# EDGAR Filing Document

**Accession Number:** 0002058366
**File Stem:** 0001104659-26-075565
**Filing Date:** 2026-6
**Character Count:** 4656352
**Document Hash:** fa6995db77fa3fd04c8750e1d7eed586
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-26-075565.hdr.sgml**: 20260618

**ACCESSION NUMBER**: 0001104659-26-075565

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

**PUBLIC DOCUMENT COUNT**: 35

**CONFORMED PERIOD OF REPORT**: 20260618

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

**FILED AS OF DATE**: 20260618

**DATE AS OF CHANGE**: 20260618

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Santander Bank, N.A.
- **CENTRAL INDEX KEY:** 0002058366
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 231237295
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07592
- **FILM NUMBER:** 261101399

**BUSINESS ADDRESS:**
- **STREET 1:** 75 STATE STREET
- **CITY:** BOSTON
- **STATE:** MA
- **ZIP:** 02109
- **BUSINESS PHONE:** 646-776-7825

**MAIL ADDRESS:**
- **STREET 1:** 75 STATE STREET
- **CITY:** BOSTON
- **STATE:** MA
- **ZIP:** 02109
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Santander Bank, N.A.
- **CENTRAL INDEX KEY:** 0002058366
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 231237295
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 75 STATE STREET
- **CITY:** BOSTON
- **STATE:** MA
- **ZIP:** 02109
- **BUSINESS PHONE:** 646-776-7825

**MAIL ADDRESS:**
- **STREET 1:** 75 STATE STREET
- **CITY:** BOSTON
- **STATE:** MA
- **ZIP:** 02109
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Santander Bank, N.A.
- **CENTRAL INDEX KEY:** 0002058366
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 231237295
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07592

**BUSINESS ADDRESS:**
- **STREET 1:** 75 STATE STREET
- **CITY:** BOSTON
- **STATE:** MA
- **ZIP:** 02109
- **BUSINESS PHONE:** 646-776-7825

**MAIL ADDRESS:**
- **STREET 1:** 75 STATE STREET
- **CITY:** BOSTON
- **STATE:** MA
- **ZIP:** 02109

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

**FORM ABS-15G**

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

**<u>Santander Bank, N.A.<sup>1</sup></u>**

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

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

Date of Report (Date of filing) ____________________

Commission File Number of securitizer: ____________________

Central Index Key Number of securitizer: ____________________

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

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

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

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

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

Central Index Key Number of securitizer: <u>0002058366</u>

<u>Santander Bank, N.A.</u> <br> (Exact name of securitizer as specified in its charter)

Commission File Number of securitizer:<u> </u>

Efe Birkan, (646) 776-7825

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

**INFORMATION TO BE INCLUDED IN THE REPORT**

<sup>1</sup> Santander Bank, N.A., as securitizer, is filing this Form ABS-15G in respect of issuances of asset-backed securities by the following issuer (under Rule 144A of the Securities Act of 1933, as amended from time to time): Santander Mortgage Asset Receivable Trust 2026-NQMS1

**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 an Exhibit to this Form ABS-15G. Please see the Exhibit Index for the related information.

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
|  | SANTANDER BANK, N.A. | SANTANDER BANK, N.A. |
| Date: June 18, 2026 |  |  |
|  | By: | /s/ Christopher Tkac |
|  |  | Name: Christopher Tkac |
|  |  | Title: Senior Vice President |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[<u>Exhibit 99.1</u> Third Party Due Diligence Report – SitusAMC Executive Summary](tm264825d35_ex99-1.htm)

Schedule 1 – Rating Agency Grades Report

Schedule 2 – Exception Grades Report

Schedule 3 – Valuation Summary Report

Schedule 4 – Supplemental Data Report

Schedule 5 – Business Purpose Report

[<u>Exhibit 99.2</u> Third Party Due Diligence Report – Selene Narrative](tm264825d35_ex99-2.htm)

Schedule 1 – Rating Agency Grades Summary Report

Schedule 2 – Standard Findings Report

Schedule 3 – Valuation Report

Schedule 4 – MLS Report

Schedule 5 – Supplemental Data Extract Report

Schedule 6 – Business Purpose Supplement Extract Report

Schedule 7 – Data Compare Report

[<u>Exhibit 99.3</u> Third Party Due Diligence Report – Consolidated Analytics Narrative](tm264825d35_ex99-3.htm)

Schedule 1 – Due Diligence Standard Report

Schedule 2 – Grade Summary Report

Schedule 3 – Supplemental Report

Schedule 4 – Valuations Summary Report

Schedule 5 – Data Compare Report

[<u>Exhibit 99.4</u> Third Party Due Diligence Report – Clarifii Narrative](tm264825d35_ex99-4.htm)

Schedule 1 – ATR-QM Report

Schedule 2 – Business Purpose Supplement Extract Report

Schedule 3 – Data Compare Report

Schedule 4 – Rating Agency Grades Detail Report

Schedule 5 – Rating Agency Grades Summary Report

Schedule 6 – Supplemental Data Extract Report

Schedule 7 – Valuation Report

[<u>Exhibit 99.5</u> Third Party Due Diligence Report – Clayton Narrative](tm264825d35_ex99-5.htm)

Schedule 1 – Conditions Summary Report

Schedule 2 – Conditions Detail Report

Schedule 3 – Loan Grades Report

Schedule 4 – Loan Level Tape Compare Report

Schedule 5 – Non ATR QM Report

Schedule 6 – Rating Agency ATR QM Report

Schedule 7 – Standard Upload Report

Schedule 8 – Valuations Summary Report

Schedule 9 – Waived Conditions Report

[<u>Exhibit 99.6</u> Third Party Due Diligence Report – CRES Executive Summary](tm264825d35_ex99-6.htm)

Schedule 1 – Business Purpose Supplement Report

Schedule 2 – Grades Report

Schedule 3 – Valuation Report

Schedule 4 – Exceptions Report

Schedule 5 – ATR QM Report

Schedule 6 – Tape Compare Report

[<u>Exhibit 99.7</u> Third Party Due Diligence Report – Evolve Narrative](tm264825d35_ex99-7.htm)

Schedule 1 – RA Grades Report

Schedule 2 – Exception Detail Report

Schedule 3 – Valuation Report

Schedule 4 – Data Compare Report

Schedule 5 – QM ATR Data Report

Schedule 6 – Business Purpose Report

Schedule 7 – Sample Grading Report

Schedule 8 – Additional Detail Summary Report

Schedule 9 – Data Integrity Summary Report

[<u>Exhibit 99.8</u> Third Party Due Diligence Report – Incenter Narrative](tm264825d35_ex99-8.htm)

Schedule 1 – Exception Report

Schedule 2 – Rating Agency Grades Report

Schedule 3 – Final Tape Compare Report

Schedule 4 – Supplemental Data Report

Schedule 5 – QM ATR Report

Schedule 6 – Valuation Summary Report

[<u>Exhibit 99.9</u> Third Party Due Diligence Report – Stonehill Narrative](tm264825d35_ex99-9.htm)

Schedule 1 – ATR OR QM Report

Schedule 2 – Business Purpose Supplement Extract Report

Schedule 3 – Data Compare Report

Schedule 4 – Rating Agency Grades Detail Report

Schedule 5 – Rating Agency Grades Summary Report

Schedule 6 – Supplemental Data Extract Report

Schedule 7 – Valuation Report

[<u>Exhibit 99.10</u> Third Party Due Diligence Report – Infinity Executive Summary](tm264825d35_ex99-10.htm)

Schedule 1 – Rating Agency Grade Report

Schedule 2 – Loan Level Exception Report

Schedule 3 – Individual Exception Report

Schedule 4 – Valuation Report

Schedule 5 – Data Compare Report

Schedule 6 – Supplemental Data Report

## Exhibit 99.1

**Exhibit 99.1**

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC" or "SitusAMC") performed the due diligence services described below (the "Review") on residential Loans originated by multiple correspondent lenders and acquired directly via reliance letter by Santander or its affiliates (the "Client"). The Review, which includes reliance letter Loans where an initial review was performed for such party, was conducted on Loans with origination dates from July 2025 through September 2025 via files imaged and provided by the Client for review. The Review included loans reviewed under the Credit and Compliance Scope (25 loans), and the Business Purpose Scope (13 loans). The loans reviewed using the Credit and Compliance Scope and Business Purpose Scope are together referred to as the mortgage loans.

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

The final population of the Review contained thirty-eight (38) Loans totaling an aggregate original principal balance of approximately $20.717 million (the "Loans").

**(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).

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

AMC compared data fields on the bid tape provided by the Client to the data found in the actual mortgage loan file as captured by AMC. This comparison, when data was available (please note that not all fields were available for all Loans during the Review) and relevant for the Scope in question, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Other Financing Junior Total Original Loan Amount |
| &nbsp;&nbsp;Blanket Mortgage? | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;PITIA Reserves Months |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Borrower EIN | &nbsp;&nbsp;Last Property Transfer Date | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Loan to Cost (LTC) | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Total Income |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Universal Loan Identifier (ULI) |
| &nbsp;&nbsp;Coborrower FTHB | &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;Zip |

---

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.

![](tm264825d35_ex99-1img002.jpg)

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

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

**<u>CREDIT AND COMPLIANCE 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.

**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.

**DU/LP Review:** When provided and appropriate, AMC verified that DU findings included an approved/ineligible decision where required by the guidelines. However, all Loans are manually underwritten with documentation requirements determined by the guidelines and not AUS findings.

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![](tm264825d35_ex99-1img002.jpg)

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

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

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

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

**Title Review:** AMC's review included a review of the chain of title and the duration of ownership by the seller or borrower (whichever is applicable) satisfied 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 adherence 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 adhere
 to credit policy requirements.

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![](tm264825d35_ex99-1img002.jpg)

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

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

▪ Reviewing
 the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity
 for presence of completed fields and verifying that the handwritten 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.

▪ Gathering
 the components of the DSCR from source documentation provided in the loan file during the
 course of the review. Where applicable, AMC 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.

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

---

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

---

**(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, (viii) 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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![](tm264825d35_ex99-1img002.jpg)

Other aspects of AMC's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to AMC. 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 4.0 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> 

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

i) failure to provide the applicable home equity initial and account opening disclosures; and <br> 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> 

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> 

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> 

i) APR threshold test; and <br> 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> 

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

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

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

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

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

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

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&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> 

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> 

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

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

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

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

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

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

i) confirm current applicable HUD form was provided;

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

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

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

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

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

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

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> 

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

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

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

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

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

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

vii) confirm the Affiliated Business Arrangement Disclosure is executed;

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

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> 

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;

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> 

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;

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> 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit
 report;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Income
 and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset
 documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales
 contract;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary
 Title;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 1003;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed
 circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Right
 of Rescission Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage
 Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible
 Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination
 Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA
 disclosures;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
 TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
 Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing
 Disclosures; and

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

**<u>(8) Other: review and methodology.</u>**

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

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**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**OVERALL REVIEW RESULTS SUMMARY**

There were thirty-eight (38) Loans reviewed by AMC. After all documents were presented, under the applicable Ftich NRSRO Fitch grading criteria 29 (76.32%) had an Overall grade of "A" and 9 (23.68%) had an Overall grade of "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Overall Loan Grades** | &nbsp;&nbsp;**Fitch Overall Loan Grades** | &nbsp;&nbsp;**Fitch Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;29 | &nbsp;&nbsp;76.32% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;23.68% |
| &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;**38** | &nbsp;&nbsp;**100.00%** |

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![](tm264825d35_ex99-1img002.jpg)

**COMPLIANCE RESULTS SUMMARY**

Thirteen (13) Loans are DSCR loans and did not have a compliance grade. After all documents were presented, under the applicable **Fi** NRSRO grading criteria, 22 (88.00%) had a Compliance grade of "A" and 3 (12.00%) had a Compliance grade of "B".

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Compliance Loan Grades** | &nbsp;&nbsp;**Fitch Compliance Loan Grades** | &nbsp;&nbsp;**Fitch Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;22 | &nbsp;&nbsp;88.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;12.00% |
| &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;**25** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

Thirty-one (31) (81.58%) mortgage loans of the total received an "A" Credit Review grade and seven (7) (18.42%) received a "B" Credit Review grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Credit Loan Grades** | &nbsp;&nbsp;**Fitch Credit Loan Grades** | &nbsp;&nbsp;**Fitch Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;31 | &nbsp;&nbsp;81.58% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;18.42% |
| &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;**38** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

All thirty-eight (38) Loans (100%) reviewed under the applicable rating agency criteria, received an "A" Property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;38 | &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;**38** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION CATEGORY SUMMARY**

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

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![](tm264825d35_ex99-1img002.jpg)

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp;**Fitch Final<br> Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***5*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**5** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***8*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**8** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**13** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

The thirty-eight (38) Loans reviewed had a total of one hundred fifty-one (151) different tape discrepancies across thirty-five (35) data fields (some Loans had more than one data delta). The largest variances were found on Contract Sales Price, PITIA Reserves Months and Product Description where the data tape information did not coincide with the documentation type found in the loan file.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**% <br> Variance** | &nbsp;&nbsp;**# Of<br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;7 | &nbsp;&nbsp;8 | &nbsp;&nbsp;87.50% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;8 | &nbsp;&nbsp;87.50% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Blanket Mortgage? | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;3 | &nbsp;&nbsp;8 | &nbsp;&nbsp;37.50% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Borrower EIN | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;38 | &nbsp;&nbsp;15.79% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;2 | &nbsp;&nbsp;6 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;38 | &nbsp;&nbsp;15.79% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;4 | &nbsp;&nbsp;5 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;4 | &nbsp;&nbsp;6 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Coborrower FTHB | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;11.11% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;10 | &nbsp;&nbsp;37 | &nbsp;&nbsp;27.03% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;38 | &nbsp;&nbsp;15.79% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;6 | &nbsp;&nbsp;8 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;38 |

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![](tm264825d35_ex99-1img002.jpg)

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;25 | &nbsp;&nbsp;4.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Last Property Transfer Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Loan to Cost (LTC) | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;30 | &nbsp;&nbsp;6.67% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;8 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;7 | &nbsp;&nbsp;8 | &nbsp;&nbsp;87.50% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;38 | &nbsp;&nbsp;15.79% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;6 | &nbsp;&nbsp;8 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;6 | &nbsp;&nbsp;8 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Other Financing Junior Total Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;8 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;8 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;38 | &nbsp;&nbsp;10.53% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;38 | &nbsp;&nbsp;5.26% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;2 | &nbsp;&nbsp;38 | &nbsp;&nbsp;5.26% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;11 | &nbsp;&nbsp;9.09% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Total Income | &nbsp;&nbsp;4 | &nbsp;&nbsp;6 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;5 | &nbsp;&nbsp;7 | &nbsp;&nbsp;71.43% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**151** | &nbsp;&nbsp;**1002** | &nbsp;&nbsp;**15.07%** | &nbsp;&nbsp;**38** |

---

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

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;38 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$20717381.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**38** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20717381.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;38 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$20717381.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**38** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20717381.00** | &nbsp;&nbsp;**100.00%** |

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![](tm264825d35_ex99-1img002.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;10 | &nbsp;&nbsp;26.32% | &nbsp;&nbsp;$3294000.00 | &nbsp;&nbsp;15.90% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;7 | &nbsp;&nbsp;18.42% | &nbsp;&nbsp;$3862390.00 | &nbsp;&nbsp;18.64% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;19 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$10675391.00 | &nbsp;&nbsp;51.53% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;2 | &nbsp;&nbsp;5.26% | &nbsp;&nbsp;$2885600.00 | &nbsp;&nbsp;13.93% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**38** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20717381.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;37 | &nbsp;&nbsp;97.37% | &nbsp;&nbsp;$20226881.00 | &nbsp;&nbsp;97.63% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.63% | &nbsp;&nbsp;$490500.00 | &nbsp;&nbsp;2.37% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**38** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20717381.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;22 | &nbsp;&nbsp;57.89% | &nbsp;&nbsp;$11518302.00 | &nbsp;&nbsp;55.60% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;2 | &nbsp;&nbsp;5.26% | &nbsp;&nbsp;$545600.00 | &nbsp;&nbsp;2.63% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;12 | &nbsp;&nbsp;31.58% | &nbsp;&nbsp;$7657479.00 | &nbsp;&nbsp;36.96% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.63% | &nbsp;&nbsp;$396000.00 | &nbsp;&nbsp;1.91% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.63% | &nbsp;&nbsp;$600000.00 | &nbsp;&nbsp;2.90% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**38** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20717381.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;18 | &nbsp;&nbsp;47.37% | &nbsp;&nbsp;$13657142.00 | &nbsp;&nbsp;65.92% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;17 | &nbsp;&nbsp;44.74% | &nbsp;&nbsp;$5521599.00 | &nbsp;&nbsp;26.65% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;7.89% | &nbsp;&nbsp;$1538640.00 | &nbsp;&nbsp;7.43% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**38** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20717381.00** | &nbsp;&nbsp;**100.00%** |

---

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![](tm264825d35_ex99-1img1.jpg)

**Rating Agency Grades**

**Run Date - 6/12/2026 11:57:41 AM**

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** |
| 225545290 | 1 | [redacted |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225545291 | 2 | [redacted |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225545292 | 3 | [redacted |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225545293 | 4 | [redacted |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225545294 | 5 | [redacted |  |  | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225545295 | 6 | [redacted |  |  | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225545296 | 7 | [redacted |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225545297 | 8 | [redacted |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
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| 225545319 | 28 | [redacted |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 225545322 | 29 | [redacted |  |  | C | A | A | C | A |  | A | A | A | A | A | A | A |  |
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![](tm264825d35_ex99-1sch2img2.jpg)

**Exception Grades**

**Run Date - 6/12/2026 11:57:41 AM**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 225545294 | 5 | [redacted |  | 36365618 |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  |  |  |  |  | Reviewer Comment (2025-09-09): Cleared. Not required.<br>Buyer Comment (2025-09-04): Spousal consent would not apply, as borrower closed as married woman as her sole and separate property as title is vested. | 09/09/2025 |  |  | 1 C A |  | NV | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 225545295 | 6 | [redacted |  | 36365621 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The homeowner's insurance declarations page in the file verified an effective date of [redacted] which is after the consummation date of[redacted]. Require a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. |  |  |  | Reviewer Comment (2025-09-13): Cleared.<br>Buyer Comment (2025-09-12): HOI denoting [redacted] effective date uploaded for review. | 09/13/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 225545299 | 10 | [redacted |  | 36365627 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception Request: Subject property is a triplex. One of the unit is [redacted] sq.ft.<br> Compensating factors. Low LTV, Cash back $[redacted]for reserves.<br> Exception Approved. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-29): Client elected to waive exceptions with compensating factors. |  |  | 09/29/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 225545303 | 14 | [redacted |  | 36365636 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request: Property Current Guideline property flip greater than [redacted]% increase since seller acq. Exception to Current Guideline. Property flip described requires approval. Compensating Factors:[redacted] on current primary Gifts Funds not applicable. \*\*\*Unable to waive. Comp factors provided are not sufficient to downgrade the exception.\*\*\* | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-19): Client elects to waive with comp factors.<br>Buyer Comment (2025-08-19): Comp Factors: FICO [redacted], [redacted] mo Reserves, DTI [redacted]%<br>Reviewer Comment (2025-08-19): Please provide sufficient lender comp factors to support due diligence downgrade/waive for the exception.<br>Seller Comment (2025-08-14): This was already cleared.<br> [redacted] flip exception.pdf (Unclassified) was uploaded |  |  | 08/19/2025 | 2 C B |  | CA | Investment | Purchase | C B A | N/A | N/A | No |
| 225545304 | 15 | [redacted |  | 36365639 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. | Non Escrowed Property Costs (HOA due $[redacted]/[redacted]) over Year [redacted]of on Final Closing Disclosure was not disclosed. |  |  |  | Reviewer Comment (2025-08-20): [redacted]received corrected PCCD and LOE<br>Seller Comment (2025-08-19): PCCD<br> [redacted] PCCD with refund.pdf (Unclassified) was referenced |  | 08/20/2025 |  | 2 C B |  | NY | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 225545304 | 15 | [redacted |  | 36365641 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted]due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-08-20): [redacted] received PCCD, LOE and payment history for principal reduction of cure<br>Seller Comment (2025-08-19): PCCD<br> [redacted] PCCD with refund.pdf (Unclassified) was referenced |  | 08/20/2025 |  | 2 C B |  | NY | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| 225545304 | 15 | [redacted |  | 36365642 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception Request : Exception Approved for living rent free.<br> Compensating factors<br> Fico scores is greater than [redacted]points<br> DTI below max by [redacted]%. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-13): Client elected to waive exceptions with compensating factors. |  |  | 08/13/2025 | 2 B |  | NY | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 225545305 | 16 | [redacted |  | 36365646 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | [redacted] Higher Priced Mortgage Disclosure is missing. |  |  |  | Reviewer Comment (2025-09-17): Provided [redacted] Higher priced mortgage disclosure. Exception cleared.<br>Seller Comment (2025-09-12): I have uploaded the hpml disclosure<br> [redacted] HPML.pdf (Unclassified) was uploaded | 09/17/2025 |  |  | 1 B A |  | MD | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 225545305 | 16 | [redacted |  | 36365647 |  | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Non-Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Loan. | [redacted] Higher Priced Mortgage Disclosure is missing. |  |  |  | Reviewer Comment (2025-09-22): Client elects to waive without compensating factors.<br>Buyer Comment (2025-09-17): SGCP acknowledges and waives this non-material EV2 finding:<br>Buyer Comment (2025-09-17): hpm doc [redacted].pdf (Unclassified) was uploaded |  |  | 09/22/2025 | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 225545305 | 16 | [redacted |  | 36365648 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided Timely) | [redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for prior to closing. | [redacted] Higher priced mortgage disclosure was provided to borrower at closing. |  |  |  | Reviewer Comment (2025-09-22): Client elects to waive without compensating factors.<br>Buyer Comment (2025-09-17): [redacted] acknowledges and waives this non-material EV2 finding:<br>Buyer Comment (2025-09-17): [redacted] doc [redacted].pdf (Unclassified) was uploaded |  |  | 09/22/2025 | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 225545308 | 19 | [redacted |  | 36365654 |  | 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. | [redacted] exception due to insufficient assets to meet reserve requirement. |  |  |  | Reviewer Comment (2025-08-25): Lender exception provided for reduced reserves.<br>Reviewer Comment (2025-08-22): Verified reserves of [redacted] months is less than reserve requirement of [redacted]months PITIA.<br>Seller Comment (2025-08-19): Updated 1008<br> [redacted] 1008.pdf (Unclassified) was uploaded | 08/25/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | No |
| 225545308 | 19 | [redacted |  | 36365656 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Approved for Rent being paid in cash during the required [redacted] month period. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]%<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-22): Client elects to waive with compensating factors.<br>Seller Comment (2025-08-19): Updated 1008<br> [redacted]1008.pdf (Unclassified) was referenced |  |  | 08/22/2025 | 2 C B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225545308 | 19 | [redacted |  | 36365655 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] exception due to insufficient assets to meet reserve requirement. |  |  |  | Reviewer Comment (2025-08-25): Lender exception provided for reduced reserves.<br>Reviewer Comment (2025-08-22): Verified reserves of [redacted] months is less than reserve requirement of [redacted]months PITIA.<br>Seller Comment (2025-08-19): Updated 1008<br> [redacted]1008.pdf (Unclassified) was referenced | 08/25/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225545308 | 19 | [redacted |  | 36365653 |  | 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 ___. | Insufficient Assets to meet Reserves requirement. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]%<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-25): Client elects to waive with comp factors.<br>Reviewer Comment (2025-08-22): Verified reserves of [redacted] months is less than reserve requirement of [redacted]months PITIA.<br>Seller Comment (2025-08-19): Updated 1008<br> [redacted] 1008.pdf (Unclassified) was referenced |  |  | 08/25/2025 | 2 C B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225545309 | 20 | [redacted |  | 36365658 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2025-08-20): Property inspection received verifying disaster status, exception cleared,<br>Buyer Comment (2025-08-18): Submitted CDAIR for review. | 08/20/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | D A | Non QM | Non QM | No |
| 225545309 | 20 | [redacted |  | 36365659 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Primary appraisal not provided in file. |  |  |  | Reviewer Comment (2025-08-20): 1004 received, exception cleared.<br>Buyer Comment (2025-08-18): Submitted appraisal for review. | 08/20/2025 |  |  | 1 D A |  | TX | Second Home | Purchase | D A | Non QM | Non QM | No |
| 225545309 | 20 | [redacted |  | 36365660 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2025-08-20): 1004 received, exception cleared.<br>Buyer Comment (2025-08-18): Submitted appraisal for review. | 08/20/2025 |  |  | 1 D A |  | TX | Second Home | Purchase | D A | Non QM | Non QM | No |
| 225545309 | 20 | [redacted |  | 36365668 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-08-18): Sufficient Cure Provided At Closing |  | 08/18/2025 |  | 1 A |  | TX | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 225545313 | 23 | [redacted |  | 36365685 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Finance Charge disclosed as $[redacted] vs actual amount of $[redacted]. Variance of $[redacted]. |  |  |  | Reviewer Comment (2025-09-10): [redacted] received documentation of fee purppose.<br>Buyer Comment (2025-09-10): Submitted Final SS with solar panel related charges under MIsc<br>Reviewer Comment (2025-09-02): In most cases, a Payoff demand fee or a Payoff statement would be tested as a finance charge. Please provide purpose for the Payoff Demand fee noted in section H.<br>Buyer Comment (2025-08-28): [redacted] includes a total of $[redacted]for a Payoff Lien fee and [redacted] Payoff Demand fees from Section H of the final CD that should not be included in the APR. | 09/10/2025 |  |  | 1 C A |  | UT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | No |
| 225545313 | 23 | [redacted |  | 36365694 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-29): Sufficient Cure Provided At Closing |  | 08/29/2025 |  | 1 A |  | UT | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 225545313 | 23 | [redacted |  | 36365693 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | LTV on loan is [redacted]%, however per lender guides, [redacted]% is not available for FTHB. |  |  |  | Reviewer Comment (2025-09-03): Cleared. Mortgage reported on credit report within the last [redacted] years.<br>Buyer Comment (2025-08-28): Per section [redacted] of guidelines, FTHB is considered when not owning property within the last [redacted] years. The credit report reflects a mortgage last reporting [redacted] | 09/03/2025 |  |  | 1 C A |  | UT | Primary | Purchase | C A | Non QM | Non QM | No |
| 225545313 | 23 | [redacted |  | 36365692 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to asset documentation; incoming wire for gift funds is dated [redacted], which is after the closing date of[redacted] |  |  |  | Reviewer Comment (2025-09-15): Received Post Closed Closing Disclosure with Disbursement Date [redacted]. Exception cleared.<br>Buyer Comment (2025-09-10): Submitted PCCD docs with correct disbursement date, as well as disclosure tracking to prove delivery. | 09/15/2025 |  |  | 1 C A |  | UT | Primary | Purchase | C A | Non QM | Non QM | No |
| 225545313 | 23 | [redacted |  | 36365691 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Incoming wire for gift funds is dated [redacted], which is after the closing date of [redacted]. |  |  |  | Reviewer Comment (2025-09-15): Received Post Closed Closing Disclosure with Disbursement Date [redacted]. Exception cleared.<br>Buyer Comment (2025-09-10): Submitted PCCD docs with correct disbursement date, as well as disclosure tracking to prove delivery. | 09/15/2025 |  |  | 1 C A |  | UT | Primary | Purchase | C A | Non QM | Non QM | No |
| 225545313 | 23 | [redacted |  | 36365690 |  | 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.) | ATR failure due to asset documentation; incoming wire for gift funds is dated [redacted], which is after the closing date of [redacted] |  |  |  | Reviewer Comment (2025-09-15): Received Post Closed Closing Disclosure with Disbursement Date [redacted]. Exception cleared.<br>Buyer Comment (2025-09-10): Submitted PCCD docs with correct disbursement date, as well as disclosure tracking to prove delivery. | 09/15/2025 |  |  | 1 C A |  | UT | Primary | Purchase | C A | Non QM | Non QM | No |
| 225545313 | 23 | [redacted |  | 36365688 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Credit report fee disclosed as $[redacted]on initial CD and as $[redacted]on final CD. No valid change in circumstance or cure provided. |  |  |  | Reviewer Comment (2025-08-29): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-28): The Final CD under doc ID [redacted] reflects a cure of $[redacted]under Section J. | 08/29/2025 |  |  | 1 C A |  | UT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | No |
| 225545313 | 23 | [redacted |  | 36365684 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Amount Financed disclosed as $[redacted] vs actual amount of $[redacted]. Variance of $[redacted]. |  |  |  | Reviewer Comment (2025-09-10): [redacted] received documentation of fee purppose.<br>Buyer Comment (2025-09-10): Submitted Final SS with solar panel related charges under MIsc<br>Reviewer Comment (2025-09-02): In most cases, a Payoff demand fee or a Payoff statement would be tested as a finance charge. Please provide purpose for the Payoff Demand fee noted in section H.<br>Buyer Comment (2025-08-28): [redacted] includes a total of $[redacted]for a Payoff Lien fee and [redacted] Payoff Demand fees from Section H of the final CD that should not be included in the APR. | 09/10/2025 |  |  | 1 C A |  | UT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | No |
| 225545314 | 24 | [redacted |  | 36365696 |  | 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 ([redacted]) business days prior to consummation. | The secondary appraisal report with the report date of [redacted] was provided to borrower on [redacted] which is not [redacted] business days prior to closing. |  |  |  | Buyer Comment (2025-09-05): EV2 acknowledged. |  |  | 09/05/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 225545314 | 24 | [redacted |  | 36365699 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-03): Sufficient Cure Provided At Closing |  | 09/03/2025 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | No |
| 225545317 | 27 | [redacted |  | 36365708 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Requesting an exception for less than [redacted] year history of self employment, Borrower has been a Real Estate Agent for [redacted]months with compensating factor of the borrower prior emplyment history is the borrower was [redacted] with an Online business selling invetory through ebay, facebook etc. and Fico [redacted]year mortgage hotory pas as agreed & DTI [redacted]. | Borrower has verified disposable income of at least $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-09-11): Client elects to waive with compensating factors. |  |  | 09/11/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 225545322 | 29 | [redacted |  | 36365718 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Documentation to verify a [redacted]-month housing history is not located in the file. |  |  |  | Reviewer Comment (2025-09-24): Cleared. Received LOE.<br>Buyer Comment (2025-09-19): Submitted LOE from borrower regarding housing history. There will be nothing else to obtain. Please escalate.<br>Reviewer Comment (2025-09-19): The borrower is FTHB & has no housing expenses as she was staying with her spouse. As per guideline requires institutional VOM or bank records to satisfy primary housing history. Exception remains.<br>Buyer Comment (2025-09-18): 1008 indicates borrower has no primary housing expense as does the 1003. Borrower is a FTHB with ex-spouse owning previous residence. | 09/24/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 225545325 | 30 | [redacted |  | 36365721 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit report Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2025-09-18): Sufficient Cure Provided At Closing |  | 09/18/2025 |  | 1 A |  | AZ | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 225545331 | 32 | [redacted |  | 36365728 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on[redacted] not received by borrower at least [redacted] business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-09-22): [redacted] received e-consent for revised LE.<br>Buyer Comment (2025-09-22): Evidence of earlier receipt was provided in the loan file per disclosure tracking summary Doc ID [redacted], the revised LE was received by the borrower on [redacted], Encompass disclosure tracking will only enter the date upon the borrower(s) viewing or signing the document, in the case of this file the revised LE was received on [redacted] based on the borrower viewing (receiving) the disclosure, see tracking uploaded denoting same. | 09/22/2025 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 225545334 | 35 | [redacted |  | 36365740 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-24): Sufficient Cure Provided At Closing |  | 09/24/2025 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | No |
| 225545334 | 35 | [redacted |  | 36365741 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception Request: DTI exception for [redacted]% DTI with Asset Utilization combined with other income that has a maximum DTI of [redacted]%.<br> Borrower has a [redacted]qualifying FICO score which is well above the minimum requirement of [redacted]. Borrower has multiple mortgages reported showing [redacted] dating back to [redacted]. LTV is only at [redacted]%.<br> Exception Approved. | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Borrower has owned the subject property for at least [redacted] years. | Loan to Value: [redacted]%<br> Guideline Maximum Loan to Value: [redacted]%<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-25): Client elects to waive with compensating factors. |  |  | 09/25/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 225545336 | 37 | [redacted |  | 36365748 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-30): Sufficient Cure Provided At Closing |  | 09/30/2025 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | No |
| 225545336 | 37 | [redacted |  | 36365749 |  | 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 [redacted], prior to [redacted] business days from transaction date of[redacted] |  |  |  |  | Reviewer Comment (2025-10-02): Accurate material disclosures received on [redacted]<br>Reviewer Comment (2025-10-02): Evidence of delivery for Closing Disclosure issued on [redacted] is required. Exception remains.<br>Buyer Comment (2025-10-01): Security Instrument under doc ID [redacted]and Final CD under doc ID [redacted]reflect signature dates of [redacted]. RTC notice under doc IDs [redacted]through [redacted]reflect midnight, [redacted], which is within compliance. | 10/02/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | No |
| 225545336 | 37 | [redacted |  | 36365750 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Failure is due to the final CD is not signed/dated by the borrower. |  |  |  | Reviewer Comment (2025-10-02): Accurate material disclosures received on [redacted]<br>Reviewer Comment (2025-10-02): Evidence of delivery for Closing Disclosure issued on [redacted] is required. Exception remains.<br>Buyer Comment (2025-10-01): Security Instrument under doc ID [redacted]and Final CD under doc ID [redacted]reflect signature dates of [redacted]. RTC notice under doc IDs [redacted]through [redacted]reflect midnight, [redacted], which is within compliance. | 10/02/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | No |
| 225545337 | 38 | [redacted |  | 36365752 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than [redacted] days prior to the note date. |  | Guidelines indicate all credit documents must be no older than [redacted]days from the Note date. Credit report is dated[redacted] and the note date is [redacted]. This exceeds the [redacted]-calendar day variance. | Miscellaneous<br>Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | [redacted] Credit score [redacted]% DTI, [redacted] months Reserves. $[redacted] Residual income.<br>Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-10-09): Client elects to waive with compensating factors.<br>Buyer Comment (2025-10-07): Submitted Lender Exception for review. |  |  | 10/09/2025 | 2 C B |  | FL | Investment | Purchase | C B A | N/A | N/A | No |

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**Valuation Report**

**Run Date - 6/12/2026 11:57:41 AM** 

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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** |
| 225545290 | 1 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 225545291 | 2 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225545292 | 3 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225545293 | 4 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225545294 | 5 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225545295 | 6 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 225545296 | 7 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225545297 | 8 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 225545298 | 9 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 225545299 | 10 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225545300 | 11 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225545301 | 12 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225545302 | 13 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225545303 | 14 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.90 |
| 225545304 | 15 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.90 |
| 225545305 | 16 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 225545306 | 17 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 225545307 | 18 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| 225545308 | 19 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| 225545309 | 20 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225545311 | 21 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225545312 | 22 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225545313 | 23 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 225545314 | 24 | [redacted |  |  |  |  |  |  |  | 1.940% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225545315 | 25 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.210% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225545316 | 26 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225545317 | 27 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225545319 | 28 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| 225545322 | 29 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225545325 | 30 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225545328 | 31 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 225545331 | 32 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225545332 | 33 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 225545333 | 34 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225545334 | 35 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225545335 | 36 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225545336 | 37 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225545337 | 38 | [redacted |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |

---

**Supplemental Data**

**Run Date - 6/12/2026 11:57:41 AM**

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **Default Interest Rate** | **Default Interest Accrual Start Days** | **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** | **Amortization Term Less IO** |
| 225545290 | 1 | [redacted |  | N/A |  |  |  | No | No |  |  |  |  | $1576.63 | $1576.63 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/16/2025 | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | 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 | 131.22 |  |  | Yes | 20.000% |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 |
| 225545291 | 2 | [redacted |  | N/A |  |  |  | No | No |  |  |  |  | $2735.07 | $2735.07 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/17/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | [redacted] | [redacted] | 15.580% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.78 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| 225545292 | 3 | [redacted |  | N/A |  |  |  | No | No |  |  |  |  | $1662.03 | $1662.03 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/07/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | [redacted] | [redacted] | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 125.74 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 |
| 225545293 | 4 | [redacted |  | N/A |  |  |  | No | No |  |  |  |  | $1486.86 | $1486.86 | 8.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/26/2025 | 639 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [redacted] | [redacted] | 1.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.21 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 4 | 360 |
| 225545294 | 5 | [redacted |  | N/A |  |  |  | No | No |  |  |  |  | $1953.78 | $1953.78 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/30/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 127.7 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 |
| 225545295 | 6 | [redacted |  | N/A |  |  |  | No | No |  |  |  |  | $4571.88 | $4571.88 | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/19/2025 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.2 |  |  |  |  |  |  | 240 | [redacted] | [redacted] | 72.180% | 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 |  |  |  |  |  |  |  |  |  |  |  | 85.13 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 |
| 225545296 | 7 | [redacted |  | N/A |  |  |  | No | No |  |  |  |  | $943.94 | $943.94 | 7.500% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/31/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 29.63 |  |  | Yes | 20.000% |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | 360 |
| 225545297 | 8 | [redacted |  | N/A |  |  |  | No | No |  |  |  |  | $1776.25 | $1776.25 | 7.250% | No | No |  |  |  |  | 0 | 0 |  | US Citizen |  | US Citizen |  |  |  |  |  | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/11/2025 | 781 |  |  |  | 781 | 806 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | [redacted] | [redacted] | 35.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Business Entity | Individual | 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 |  |  |  |  |  | 19.92 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 |
| 225545298 | 9 | [redacted |  | N/A |  |  |  | No | No |  |  |  |  | $1507.19 | $1507.19 | 6.500% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/10/2025 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | Yes | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | [redacted] | [redacted] | 38.840% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 109.71 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 |
| 225545299 | 10 | [redacted |  | N/A |  |  |  | No | No |  |  |  |  | $3562.50 | $3562.50 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/02/2025 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  | 240 | [redacted] | [redacted] |  | 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 | 74.15 |  |  | Yes | 20.000% |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 |
| 225545300 | 11 | [redacted |  | N/A |  |  |  | No | No |  |  |  |  | $783.20 | $783.20 | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/29/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 89.28 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| 225545301 | 12 | [redacted |  | N/A |  |  |  | No | No |  |  |  |  | $1010.11 | $1010.11 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/06/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.77 |  |  |  |  |  |  |  | [redacted] |  |  | 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 | 94.43 |  |  | No |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| 225545302 | 13 | [redacted |  | N/A |  |  |  | No | No |  |  |  |  | $1378.07 | $1378.07 | 8.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/23/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.98 |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 9.65 |  |  | Yes | 20.000% |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| 225545303 | 14 | [redacted |  | N/A |  |  |  | No | No | $5040.00 | $9405.95 |  | 8.470% | $1871.09 | $1871.09 | 8.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [redacted] | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 45.259% | 45.259% | 45.259% | 07/15/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $5040.00 |  | 6.750% | $0.00 | 1.9 |  |  |  | No | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 111.14 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| 225545304 | 15 | [redacted |  | Non QM |  |  |  | Yes | No | $8423.00 | $3802.20 |  | 7.969% | $1914.18 | $1914.18 | 7.875% | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [redacted] | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 28.807% | 28.807% | 28.807% | 06/17/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020<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 - 1991 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $8423.00 |  | 6.750% | $0.00 | 1.9 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 38.380% | 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 |  |  |  |  |  |  |  |  |  |  |  | 24.88 |  |  | No |  |  |  | $13193.95 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225545305 | 16 | [redacted |  | Non QM |  |  |  | Yes | No | $1920.00 | $4352.51 |  | 8.567% | $1371.93 | $1371.93 | 8.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [redacted] | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 40.359% | 40.359% | 40.359% | 05/19/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $1920.00 |  | 6.750% | $0.00 | 1.2 |  |  |  | Yes | No | 8.375% | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 5.00 | No |  |  | Closed End | No |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 76.61 |  |  | No |  |  |  | $7920.14 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225545306 | 17 | [redacted |  | N/A |  |  |  | No | No | $14105.25 | $16671.68 |  | 7.176% | $3246.87 | $3246.87 | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [redacted] | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 28.792% | 28.792% | 28.792% | 05/30/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $14105.25 |  | 6.750% | $15000.00 | 1.6 |  |  |  | N/A | No | 6.875% | 2 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 25.120% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 44.31 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| 225545307 | 18 | [redacted |  | Non QM |  |  |  | Yes | No | $2542.60 | $5783.85 |  | 7.455% | $3074.89 | $3074.89 | 7.375% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [redacted] | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 44.508% | 44.508% | 44.508% | 07/03/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $2542.60 |  | 6.750% | $2000.00 | 1.6 | DU |  | ApproveEligible | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | [redacted] | [redacted] | 100.000% | 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 |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 138.15 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225545308 | 19 | [redacted |  | Non QM |  |  |  | Yes | No | $11795.00 | $15797.45 |  | 7.644% | $3626.04 | $3626.04 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [redacted] | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 32.037% | 32.037% | 32.037% | 05/09/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $11795.00 |  | 6.750% | $35000.00 | 1.7 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 19.360% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.55 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225545309 | 20 | [redacted |  | Non QM |  |  |  | Yes | No | $35771.66 | $15180.50 |  | 7.634% | $6255.45 | $6255.45 | 7.500% | No | No | Self-Employed | Self-Employed | Not Employed |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | [redacted] | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 14.970% | 14.970% | 14.970% | 07/11/2025 | 742 | 780 | 757 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | Yes | 36 | Business | 100.000% | 26.000% | 24.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 26.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 26.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 26.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 26.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2009<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 26.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 26.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 26.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 26.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2004<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 26.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2004<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 26.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 26.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 26.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 26.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2004<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 26.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2004<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2009<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2004<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2004<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2004<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2004 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $35771.66 |  | 6.750% | $15500.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 32.83 |  | No | No |  |  |  | $75311.98 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| 225545311 | 21 | [redacted |  | N/A |  |  |  | No | No | $11464.97 | $18167.22 |  | 7.290% | $2562.02 | $2562.02 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [redacted] | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 4.312% | 4.312% | 4.312% | 07/07/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $11464.97 |  | 6.670% | $14624.97 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 653.64 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225545312 | 22 | [redacted |  | Non QM |  |  |  | Yes | No | $24994.00 | $30822.21 |  | 7.730% | $5663.54 | $5663.54 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [redacted] | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 46.667% | 46.667% | 46.667% | 07/11/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 60.000% | 100.000% |  |  | [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | ClearEdge Lending | $24994.00 |  | 6.750% | $1800.00 | 1 |  |  |  | N/A | No | 7.375% | 2 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 33.360% | No | 35 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.5 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| 225545313 | 23 | [redacted |  | Non QM |  |  |  | Yes | No | $16586.63 | $18323.69 |  | 8.206% | $3364.58 | $3364.58 | 7.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [redacted] | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 20.965% | 20.965% | 20.965% | 07/08/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| 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: % \| 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: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $16586.63 |  | 6.750% | $10000.00 | 1.7 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 11.010% | 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 |  |  |  |  |  |  |  |  |  |  |  | 14.45 |  |  | No |  |  |  | $10375.37 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 480 |
| 225545314 | 24 | [redacted |  | Non QM |  |  |  | Yes | No | $37929.00 | $44431.63 |  | 7.277% | $18190.40 | $18190.40 | 7.125% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [redacted] | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 46.067% | 46.067% | 46.067% | 07/02/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $37929.00 |  | 6.750% | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 18.56 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225545315 | 25 | [redacted |  | Non QM |  |  |  | Yes | No | $9670.80 | $11721.68 |  | 8.686% | $3010.57 | $3010.57 | 8.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [redacted] | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 36.327% | 36.327% | 36.327% | 08/20/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $9670.80 |  | 6.670% | $7000.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 18.700% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.05 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225545316 | 26 | [redacted |  | Non QM |  |  |  | Yes | No | $5739.00 | $7687.00 |  | 7.926% | $1157.90 | $1157.90 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [redacted] | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 30.835% | 30.835% | 30.835% | 07/25/2025 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $5739.00 |  | 6.630% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.62 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225545317 | 27 | [redacted |  | Non QM |  |  |  | Yes | No | $1944.80 | $2444.10 |  | 7.780% | $1210.33 | $1210.33 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [redacted] | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 41.111% | 41.111% | 41.111% | 06/03/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1040 - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $1944.80 |  | 6.610% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 1 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | 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 | 64.43 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| 225545319 | 28 | [redacted |  | Non QM |  |  |  | Yes | No | $11346.68 | $18165.06 |  | 7.145% | $3862.74 | $3862.74 | 6.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [redacted] | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 19.488% | 19.488% | 19.488% | 08/08/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $11346.68 |  | 6.570% | $0.00 | 2.6 |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 24.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 26.460% | 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 |  |  |  |  |  |  |  |  |  |  |  | 12.3 |  |  | No |  |  |  | $12808.33 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225545322 | 29 | [redacted |  | Non QM |  |  |  | Yes | No | $22574.00 | $27860.22 |  | 8.020% | $6590.99 | $6590.99 | 7.750% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [redacted] | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 46.807% | 46.807% | 46.807% | 08/08/2025 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Child Support]; Account Statements - 2025<br> [Borrower - \| Primary Income - Child Support]; Other - 2025<br> [Borrower - \| Primary Income - Child Support]; Other - 2025<br> [Borrower - \| Primary Income - Child Support]; Child Support Order - 2024 |  | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $22574.00 |  | 6.570% | $15000.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 22.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.1 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225545325 | 30 | [redacted |  | Non QM |  |  |  | Yes | No | $8714.00 | $12500.56 |  | 6.790% | $2401.86 | $2401.86 | 6.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [redacted] | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 13.725% | 13.725% | 13.725% | 08/23/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 1040 - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 1040 - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $8714.00 |  | 6.570% | $7500.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 2 | 0 | 0 | 0 |  |  | 7.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 13.400% | 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 |  |  |  |  |  |  |  |  |  |  |  | 94.25 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| 225545328 | 31 | [redacted |  | Non QM |  |  |  | Yes | No | $12796.80 | $4167.05 |  | 6.800% | $3414.22 | $3414.22 | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [redacted] | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 48.684% | 48.684% | 48.684% | 08/06/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 90.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $12796.80 |  | 6.540% | $13160.00 |  |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 28.430% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.41 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225545331 | 32 | [redacted |  | Non QM |  |  |  | Yes | No | $59371.62 | $23048.67 |  | 6.976% | $11446.01 | $11446.01 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [redacted] | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 5.260% | 5.260% | 5.260% | 08/14/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 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: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $59371.62 |  | 6.570% | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.09 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| 225545332 | 33 | [redacted |  | Non QM |  |  |  | Yes | No | $25625.00 | $28554.70 |  | 7.129% | $6733.52 | $6733.52 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [redacted] | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 7.308% | 7.308% | 7.308% | 08/22/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<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 - 2018<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 - 2018<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 - 2018<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 - 2010<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 - 2010 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $25625.00 |  | 6.540% | $0.00 |  |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 21.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.55 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| 225545333 | 34 | [redacted |  | Non QM |  |  |  | Yes | No | $10562.00 | $14872.75 |  | 6.925% | $4695.85 | $4695.85 | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [redacted] | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 38.686% | 38.686% | 38.686% | 08/13/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $10562.00 |  | 6.570% | $9050.00 |  |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 29.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.36 |  | Yes | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| 225545334 | 35 | [redacted |  | Non QM |  |  |  | Yes | No | $23676.40 | $7597.69 |  | 7.306% | $6207.80 | $6207.80 | 7.250% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [redacted] | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 46.777% | 46.777% | 46.777% | 08/01/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $23676.40 |  | 6.570% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | [redacted] | [redacted] |  | 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 | 295.91 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| 225545335 | 36 | [redacted |  | Non QM |  |  |  | Yes | No | $19969.00 | $8298.40 |  | 6.952% | $5403.24 | $5403.24 | 6.875% | No | No | Non-Employment Income |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [redacted] | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 34.814% | 34.814% | 34.814% | 08/25/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $19969.00 |  | 6.570% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | [redacted] | [redacted] | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 302.15 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225545336 | 37 | [redacted |  | Non QM |  |  |  | Yes | No | $7575.00 | $9001.78 |  | 7.164% | $3359.44 | $3359.44 | 6.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [redacted] | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 13.016% | 13.016% | 13.016% | 08/13/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $7575.00 |  | 6.540% | $0.00 |  |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  | 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 | 98.63 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225545337 | 38 | [redacted |  | N/A |  |  |  | No | No | $29672.00 | $20669.22 |  | 7.676% | $3356.31 | $3356.31 | 7.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [redacted] | 1 | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | 19.710% | 19.710% | 19.710% | 05/13/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $29672.00 |  | 6.570% | $12000.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 351.76 |  | No | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |

---

**ASF Addendum - Business Purpose**

**Run Date - 6/12/2026 11:57:42 AM**

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Rental Purpose** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Calculated Monthly Debt** | **Property DTI** | **Investor DTI** | **Inverse DSCR** | **Net Operating Income** | **Total Debt Service** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Lease in Place Flag Unit 1** | **Lease Start Date Unit 1** | **Lease End Date Unit 1** | **Original Lease Term Unit 1** | **Rental Purpose Unit 1** | **Actual In Place Rent Unit 1** | **Third Party Market Rent Estimate Unit 1** | **Lease in Place Flag Unit 2** | **Lease Start Date Unit 2** | **Lease End Date Unit 2** | **Original Lease Term Unit 2** | **Rental Purpose Unit 2** | **Actual In Place Rent Unit 2** | **Third Party Market Rent Estimate Unit 2** | **Lease in Place Flag Unit 3** | **Lease Start Date Unit 3** | **Lease End Date Unit 3** | **Original Lease Term Unit 3** | **Rental Purpose Unit 3** | **Actual In Place Rent Unit 3** | **Third Party Market Rent Estimate Unit 3** | **Lease in Place Flag Unit 4** | **Lease Start Date Unit 4** | **Lease End Date Unit 4** | **Original Lease Term Unit 4** | **Rental Purpose Unit 4** | **Actual In Place Rent Unit 4** | **Third Party Market Rent Estimate Unit 4** | **Lease in Place Flag Unit 5** | **Lease Start Date Unit 5** | **Lease End Date Unit 5** | **Original Lease Term Unit 5** | **Rental Purpose Unit 5** | **Actual In Place Rent Unit 5** | **Third Party Market Rent Estimate Unit 5** | **Lease in Place Flag Unit 6** | **Lease Start Date Unit 6** | **Lease End Date Unit 6** | **Original Lease Term Unit 6** | **Rental Purpose Unit 6** | **Actual In Place Rent Unit 6** | **Third Party Market Rent Estimate Unit 6** | **Lease in Place Flag Unit 7** | **Lease Start Date Unit 7** | **Lease End Date Unit 7** | **Original Lease Term Unit 7** | **Rental Purpose Unit 7** | **Actual In Place Rent Unit 7** | **Third Party Market Rent Estimate Unit 7** | **Lease in Place Flag Unit 8** | **Lease Start Date Unit 8** | **Lease End Date Unit 8** | **Original Lease Term Unit 8** | **Rental Purpose Unit 8** | **Actual In Place Rent Unit 8** | **Third Party Market Rent Estimate Unit 8** | **Lease in Place Flag Unit 9** | **Lease Start Date Unit 9** | **Lease End Date Unit 9** | **Original Lease Term Unit 9** | **Rental Purpose Unit 9** | **Actual In Place Rent Unit 9** | **Third Party Market Rent Estimate Unit 9** | **Lease in Place Flag Unit 10** | **Lease Start Date Unit 10** | **Lease End Date Unit 10** | **Original Lease Term Unit 10** | **Rental Purpose Unit 10** | **Actual In Place Rent Unit 10** | **Third Party Market Rent Estimate Unit 10** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 Employment Status** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 Number of Mortgaged Properties** | **Borrower 1 Citizenship** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 1 Country Name** | **Borrower 1 Asset Verification Level** | **Borrower 1 Credit Order Date** | **Borrower 1 Experian FICO** | **Borrower 1 Experian FICO Model Used** | **Borrower 1 Equifax FICO** | **Borrower 1 Equifax FICO Model Used** | **Borrower 1 TransUnion FICO** | **Borrower 1 TransUnion FICO Model Used** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 Employment Status** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Number of Mortgaged Properties** | **Borrower 2 Citizenship** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 2 Country Name** | **Borrower 2 Asset Verification Level** | **Borrower 2 Credit Order Date** | **Borrower 2 Experian FICO** | **Borrower 2 Experian FICO Model Used** | **Borrower 2 Equifax FICO** | **Borrower 2 Equifax FICO Model Used** | **Borrower 2 TransUnion FICO** | **Borrower 2 TransUnion FICO Model Used** |
| 225545290 | 1 | [redacted |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2950.00 | Rent on Existing Lease | $2231.30 |  | 0.000000 | 0.76 |  |  | 1.32 | 1.32 | $2231.30 |  |  | Yes | 01/01/2025 | 01/01/2026 | 12 | Long Term | $2950.00 | $3100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $32800.00 |  |  | $594.09 | $60.58 | Level 4-Stated/Verified as defined | No | 1 | 7 | No | No |  | Experienced Investor | 24.61 | US Citizen |  | 817 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 07/16/2025 | 812 | Fair Isaac (VER. 2) | 817 | FICO Classic V5 Facta | 820 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 225545291 | 2 | [redacted |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $4350.00 | Third Party Rental Source | $3473.23 |  | 0.000000 | 0.8 |  |  | 1.25 | 1.25 | $3473.23 |  |  | No |  |  |  | Long Term |  | $2175.00 | No |  |  |  | Long Term |  | $2175.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $44630.00 |  |  | $391.08 | $347.08 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 773 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 07/17/2025 | 773 | Fair Isaac (VER. 2) | 763 | Beacon 5 | 774 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 225545292 | 3 | [redacted |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2900.00 | Third Party Rental Source | $2282.92 |  | 0.000000 | 0.79 |  |  | 1.27 | 1.27 | $2282.92 |  |  | No |  |  |  | Long Term |  | $2900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $46200.00 |  |  | $459.97 | $160.92 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 768 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 07/07/2025 | 754 | Fair Isaac (VER. 2) | 768 | FICO Classic V5 Facta | 770 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 225545293 | 4 | [redacted |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1950.00 | Third Party Rental Source | $1874.92 |  | 0.000000 | 0.96 |  |  | 1.04 | 1.04 | $1874.92 |  |  | No |  |  |  | Long Term |  | $1950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $15000.00 |  |  | $202.73 | $185.33 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor |  | US Citizen |  | 639 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/26/2025 | 653 | Fair Isaac (VER. 2) | 639 | FICO Classic V5 Facta | 609 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 225545294 | 5 | [redacted |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2350.00 | Third Party Rental Source | $2223.01 |  | 0.000000 | 0.95 |  |  | 1.06 | 1.06 | $2223.01 |  |  | Yes | 07/01/2025 | 06/30/2026 | 12 | Long Term | $2385.00 | $2350.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $33024.00 |  |  | $188.15 | $81.08 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No |  | Experienced Investor |  | US Citizen |  | 758 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 06/30/2025 | 758 | Fair Isaac (VER. 2) | 775 | Beacon 5 | 678 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 225545295 | 6 | [redacted |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $4850.00 | Third Party Rental Source | $5831.88 |  | 0.000000 | 1.2 |  |  | 0.83 | 0.83 | $5831.88 |  |  | No |  |  |  | Long Term |  | $4850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $99500.00 |  |  | $825.92 | $249.08 | Level 1-Not Stated/Not Verified | No | 1 | 3 | No |  | No | Experienced Investor |  |  | US Citizen | 812 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | 08/19/2025 | 827 | Fair Isaac (VER. 2) | 801 | FICO Classic V5 Facta | 812 | FICO Risk Score Classic 04 |
| 225545296 | 7 | [redacted |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1350.00 | Rent on Existing Lease | $1219.25 |  | 0.000000 | 0.9 |  |  | 1.11 | 1.11 | $1219.25 |  |  | Yes | 08/21/2024 | 08/20/2025 | 12 | Long Term | $1350.00 | $1350.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $32180.00 |  |  | $91.77 | $183.54 | Level 4-Stated/Verified as defined | No | 2 | 2 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 702 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 07/31/2025 | 737 | Fair Isaac (VER. 2) | 659 | FICO Classic V5 Facta | 702 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 07/31/2025 | 642 | Fair Isaac (VER. 2) | 739 | FICO Classic V5 Facta | 605 | FICO Risk Score Classic 04 |
| 225545297 | 8 | [redacted |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2425.00 | Third Party Rental Source | $2391.20 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $2391.20 |  |  | No |  |  |  | Long Term |  | $2425.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $31850.00 |  |  | $390.17 | $224.78 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  | No | Experienced Investor |  |  | US Citizen | 781 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified | 08/11/2025 | 762 | Fair Isaac (VER. 2) | 796 | FICO Classic V5 Facta | 768 | FICO Risk Score Classic 04 |
| 225545298 | 9 | [redacted |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2000.00 | Third Party Rental Source | $1993.23 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $1993.23 |  |  | No |  |  |  | Long Term |  | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $46600.00 |  |  | $369.71 | $116.33 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | Permanent Resident Alien |  | 711 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 07/10/2025 | 758 | Fair Isaac (VER. 2) | 711 | FICO Classic V5 Facta | 691 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 225545299 | 10 | [redacted |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $5100.00 | Third Party Rental Source | $4481.73 |  | 0.000000 | 0.88 |  |  | 1.14 | 1.14 | $4481.73 |  |  | Yes | 09/01/2025 | 09/30/2025 | 1 | Long Term | $1400.00 | $1300.00 | Yes | 09/01/2025 | 09/30/2025 | 1 | Long Term | $2000.00 | $1600.00 | Yes | 09/01/2025 | 09/30/2025 | 1 | Long Term | $2200.00 | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $90000.00 |  |  | $581.99 | $337.24 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 1.09 | US Citizen |  | 664 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 09/02/2025 | 687 | Fair Isaac (VER. 2) | 664 | FICO Classic V5 Facta | 647 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 225545300 | 11 | [redacted |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1425.00 | Rent on Existing Lease | $1152.36 |  | 0.000000 | 0.81 |  |  | 1.24 | 1.24 | $1152.36 |  |  | Yes | 08/11/2025 | 09/30/2026 | 13 | Long Term | $1425.00 | $1425.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $20840.00 |  |  | $282.54 | $86.62 | Level 4-Stated/Verified as defined | No | 1 | 5 | No |  | No | Experienced Investor | 0.47 |  | US Citizen | 768 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | 07/29/2025 | 768 | Fair Isaac (VER. 2) | 781 | Beacon 5 | 735 | FICO Risk Score Classic 04 |
| 225545301 | 12 | [redacted |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1750.00 | Rent on Existing Lease | $1362.77 |  | 0.000000 | 0.77 |  |  | 1.28 | 1.28 | $1362.77 |  |  | Yes | 07/07/2025 | 06/30/2026 | 11 | Long Term | $1750.00 | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $25600.00 |  |  | $137.49 | $215.17 | Level 4-Stated/Verified as defined | No | 1 | 13 | No |  |  | Experienced Investor | 0.79 |  |  | 762 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 225545302 | 13 | [redacted |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1600.00 | Third Party Rental Source | $1575.32 |  | 0.000000 | 0.98 |  |  | 1.01 | 1.01 | $1575.32 |  |  | Yes | 06/01/2025 | 06/30/2026 | 13 | Long Term | $1850.00 | $1600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $25510.00 |  |  | $59.75 | $137.50 | Level 3-Stated/Partially Verified | No | 1 | 1 | No |  |  | Experienced Investor | 1.33 |  |  | 700 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 225545303 | 14 | [redacted |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2364.80 |  | 0.452586 |  |  |  |  |  | $2364.80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $328.13 | $115.58 | Level 4-Stated/Verified as defined |  |  |  | No | No |  | Experienced Investor |  | US Citizen |  | 725 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 07/15/2025 | 764 | Fair Isaac (VER. 2) | 725 | FICO Classic V5 Facta | 714 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 225545306 | 17 | [redacted |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $4603.10 |  | 0.287922 |  |  |  |  |  | $4603.10 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $959.96 | $321.27 | Level 3-Stated/Partially Verified |  |  |  | No | No |  | Experienced Investor |  | US Citizen |  | 774 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/30/2025 |  |  | 774 | FICO Classic V5 Facta | 782 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 225545311 | 21 | [redacted |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3112.39 |  | 0.043122 |  |  |  |  |  | $3112.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $337.54 | $42.83 | Level 4-Stated/Verified as defined |  |  |  | No | No |  | Experienced Investor |  | US Citizen |  | 769 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 07/07/2025 | 769 | Fair Isaac (VER. 2) | 806 | FICO Classic V5 Facta | 768 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 225545337 | 38 | [redacted |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $5215.98 |  | 0.197100 |  |  |  |  |  | $5215.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1193.42 | $666.25 | Level 4-Stated/Verified as defined |  |  |  | No | No |  | Experienced Investor |  | US Citizen |  | 806 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/13/2025 | 806 | Fair Isaac (VER. 2) | 808 | FICO Classic V5 Facta | 783 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **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** |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | 2 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  |  | 50.605% |  |  | 50.605% |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  |  | 70.000% |  |  | 70.000% |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  |  | 70.000% |  |  | 70.000% |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Business Entity |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | Individual |  |  | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified | 08/11/2025 | 806 | Fair Isaac (VER. 2) | 781 | FICO Classic V5 Facta | 744 | FICO Risk Score Classic 04 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | 3 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  |  | 187.500% | [redacted] |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 4 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Fair Isaac (VER. 2) | 06/06/2025 | 744 | Fair Isaac (VER. 2) | 763 | FICO Classic V5 Facta | 762 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  |  | 117.000% | [redacted] |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Fair Isaac (VER. 2) | 06/23/2025 | 700 | Fair Isaac (VER. 2) | 680 | FICO Classic V5 Facta | 701 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] |  |  | 102.598% | [redacted] |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | 1 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  |  | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  |  | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.2

**Exhibit 99.2**

![](tm264825d35_ex99-2img01.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;&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 Santander Bank N.A. (the "Client"). The review was conducted between August 12 2022 and September 12 2025 via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;&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 15 Non-QM loans and 8 ATR-QM exempt loans for a total of 23 loans the "Final Securitization Population".

*<u>Credit Reviews (23):</u>*

During the Review, Selene performed a credit review on 23 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (23)</u>*

During the Review, Selene performed a compliance review when applicable on 23 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (23):</u>*

During the Review, Selene performed a property valuation review on 23 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (23):</u>*

During the Review, Selene performed a Data Integrity Review on 23 mortgage loans in the Final Securitization Population.

*SAN 2026-NQMS1 Executive Summary – Selene Diligence LLC*

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 23 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;23 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;23 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;23 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;23 | &nbsp;&nbsp;100% |

---

&nbsp;&nbsp;&nbsp;&nbsp;&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, Fitch Ratings, Inc. (Fitch) (the "NRSRO(s)").

&nbsp;&nbsp;&nbsp;&nbsp;&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;&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 Advantage Guidelines, Kind Lending Non-Agency Program Guidelines (collectively 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.

---

| | |
|:---|:---|
| *SAN 2026-NQMS1 Executive Summary – Selene Diligence LLC* | Page **2** of **16** |

---

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A, B, and C, attached hereto).

**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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;· Re-calculated LTV, CLTV, income, liabilities and compared these
against the Guidelines;

&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;· Confirmed that credit scores (FICO) and credit histories were
within the Guidelines.

**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;· **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.

---

| | |
|:---|:---|
| *SAN 2026-NQMS1 Executive Summary – Selene Diligence LLC* | Page **3** of **16** |

---

&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.

**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;· Tape data received from lender/client is stored in a secured
FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Tape data is uploaded into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Reviewer collects validated loan data;

&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;· 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 23 mortgage loans, (ii) a Compliance Review on 23 mortgage loans (iii) a Valuation Review on 23 mortgage loans, and (iv) a Data Integrity Review on 23 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 23 mortgage loans; 16 mortgage loans had a rating grade of A, 7 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

***Grades per loan (23 overall loans):***

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;8.70% | &nbsp;&nbsp;A | &nbsp;&nbsp;16 | &nbsp;&nbsp;69.57% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.35% | &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;30.43% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;13 | &nbsp;&nbsp;56.52% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;7 | &nbsp;&nbsp;30.43% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | |
|:---|:---|
| *SAN 2026-NQMS1 Executive Summary – Selene Diligence LLC* | Page **4** of **16** |

---

***Final Grades per loan broken out by compliance, credit and property:***

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;16 | &nbsp;&nbsp;69.57% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;30.43% |
| &nbsp;&nbsp;C | &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;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |
| &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;23 | &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% |  |  |  |

---

**<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.

---

| | |
|:---|:---|
| *SAN 2026-NQMS1 Executive Summary – Selene Diligence LLC* | Page **5** of **16** |

---

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 limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Due Diligence Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

---

| | |
|:---|:---|
| *SAN 2026-NQMS1 Executive Summary – Selene Diligence LLC* | Page **6** of **16** |

---

**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

---

| | |
|:---|:---|
| *SAN 2026-NQMS1 Executive Summary – Selene Diligence LLC* | Page **7** of **16** |

---

**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.

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On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed for any name variations for the borrowers and confirm that the variations have been addressed
in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed for any social security number variations for the borrowers and confirm that the variations have
been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed for any potential occupancy issues based on the borrowers' address history and confirm
that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed for any employment issues and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed for any additional consumers associated with the borrowers' profiles and confirm the materiality
and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate, and
consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the guidelines and information in the loan file;
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm that applicable documents have been recorded
or have been sent for recording.

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**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

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

&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;

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ii) review relevant document to determine if there was dual compensation; and <br> 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;g) <u>Homeownership counseling (§1026.36):</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) <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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) <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;j) review for presence of mortgage loan originator organization and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract, security instrument, Loan Estimate and Closing Disclosure; and (ii) verify the data against the NMLSR database, as available.

**2.** **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> 

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 completed and that information was reflected in the appropriate locations, which was based solely on the information disclosed on the LE;

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

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

vii) 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> 

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; and

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vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 3.0, as may be updated from time to time.

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

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

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

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

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

Selene 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.

Selene 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"). Selene does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

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**SCHEDULE I**

**<u>Selene</u>**  **<u>tests perform compliance checks by state license types for interest rate, late fees, grace periods, high cost, higher priced, anti-predatory lending and prepayment term requirements. Restrictive Fees test assess qualifiable mortgage loan fee restrictions under state/municipalities laws and regulations.</u>**

**(Below are state regulations which test specifically for high cost, higher priced, and anti-predatory lending.)**

&nbsp;&nbsp;&nbsp;&nbsp;1. AL Consumer Credit License- Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;2. AK Small Loan Act-Mortgage Broker/Lender License-Mortgage Lending Regulation License Registered Depository Institution
 Registration

&nbsp;&nbsp;&nbsp;&nbsp;3. AR Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;4. AZ Mortgage Banker & Broker License-Consumer Lender License

&nbsp;&nbsp;&nbsp;&nbsp;5. CA AB 489/344 (Division 1.6 of the Financial Code)

&nbsp;&nbsp;&nbsp;&nbsp;6. CO Consumer Equity Protection Article

&nbsp;&nbsp;&nbsp;&nbsp;7. CO Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;8. DE Licensed Lender License Broker License Lender License

&nbsp;&nbsp;&nbsp;&nbsp;9. Washington, DC Home Loan Protection Act of 2002

&nbsp;&nbsp;&nbsp;&nbsp;10. Washington, DC Mortgage Disclosure Act of 2007

&nbsp;&nbsp;&nbsp;&nbsp;11. FL Fair Lending Act

&nbsp;&nbsp;&nbsp;&nbsp;12. GA Fair Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;13. HW Financial Services Loan Company License -Mortgage Broker and Solicitor License- Foreign Lender License - Mortgage Loan Originator
Company License

&nbsp;&nbsp;&nbsp;&nbsp;14. ID Residential Mortgage Practices Act - (Home Loan Practices article)

&nbsp;&nbsp;&nbsp;&nbsp;15. IN Home Loan Practices Article

&nbsp;&nbsp;&nbsp;&nbsp;16. IA Mortgage Banker License Regulated Loan License - Industrial Loan License - Mortgage Banker Registrant- Mortgage Broker License-
Master Loan Company Registration Nonprofit Mortgage Banker Registrant

&nbsp;&nbsp;&nbsp;&nbsp;17. KS Consumer Credit Code - Kansas Supervised Lenders License- - Consumer credit code 16-207

&nbsp;&nbsp;&nbsp;&nbsp;18. LA Residential Mortgage Lending License - Consumer Loan License- Licensed Lender License

&nbsp;&nbsp;&nbsp;&nbsp;19. MA Mortgage Lender and Broker Regulations

&nbsp;&nbsp;&nbsp;&nbsp;20. MD Commercial Law amended by Maryland Senate Bill 270

&nbsp;&nbsp;&nbsp;&nbsp;21. Maryland Regulations under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR

&nbsp;&nbsp;&nbsp;&nbsp;22. MI Consumer Mortgage Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;23. MN Mortgage Originator and Servicer Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;24. MS Residential Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen

&nbsp;&nbsp;&nbsp;&nbsp;25. MO Mortgage Company License

&nbsp;&nbsp;&nbsp;&nbsp;26. MT - Consumer Loan License - Residential Mortgage Lender License-Mortgage Broker License Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;27. NC Rate Spread Home Loan Provisions (original 2008 provisions and 2009, 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;28. ND Money Broker License

&nbsp;&nbsp;&nbsp;&nbsp;29. NE Mortgage Bankers Registration and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;30. NH First Mortgage Banker License – Second Mortgage Home Loan – Mortgage Banker License – Mortgage Broker License

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&nbsp;&nbsp;&nbsp;&nbsp;31. NJ Home Ownership Security Act 2002 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;32. NM Home Loan Protection Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;33. OH Consumer Sales Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;34. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;35. Summit County, OH Consumer Affairs Board Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;36. Summit County, OH Consumer Protection Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;37. OK Home Ownership and Equity Protection Act (original provisions & 2009 higher-priced amendments)

&nbsp;&nbsp;&nbsp;&nbsp;38. OR Consumer Finance License – Consumer Finance Registration – Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;39. PA Consumer Equity Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;40. RI Home Loan Protection Act and Regulation 3

&nbsp;&nbsp;&nbsp;&nbsp;41. SD Mortgage Lender License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;42. TN Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;43. UT Residential Mortgage Practices and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;44. VA Mortgage Lender and Broker Act

&nbsp;&nbsp;&nbsp;&nbsp;45. WA House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008 – Consumer Loan Company License – Mortgage
Broker License

&nbsp;&nbsp;&nbsp;&nbsp;46. WV Residential Mortgage Lender, Broker and Servicer Act

&nbsp;&nbsp;&nbsp;&nbsp;47. WY Consumer Credit Code – Registered Consumer Loan Lender – Mortgage Lender Broker License

<u>The following state **specific** regulations which address high cost, higher priced and anti-predatory lending.</u>

&nbsp;&nbsp;&nbsp;&nbsp;48. CA AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions - Anti-Predatory Lending Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;49. CT Abusive Home Lending Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;50. CT Nonprime Home Loans Statute

&nbsp;&nbsp;&nbsp;&nbsp;51. IL Office of Banks and Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;52. IL High Risk Home Loan ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;53. Chicago, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;54. Cook County, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;55. KY Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;56. ME Title 9-A Residential Mortgage Loan, High-Rate, High-Fee Provisions, High Cost, Subprime, Rate Spread Home Loan, and Higher-Priced
Mortgage Loan Provisions (original 2003 provisions and 2008, 2009, 2011 & 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;57. MA High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices Act - MA 209 CMR 32.35 Higher-Priced
Mortgage Loan Provisions - MA "Borrower's Interest" Standard

&nbsp;&nbsp;&nbsp;&nbsp;58. Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law

&nbsp;&nbsp;&nbsp;&nbsp;59. NC Restrictions and Limitations of Home Loans and High-Cost Home Loans

&nbsp;&nbsp;&nbsp;&nbsp;60. NV Unfair Lending Practices Act – Anti Predatory Lending Law

&nbsp;&nbsp;&nbsp;&nbsp;61. NY GRBB Part 41 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;62. NY Banking Law 6-L

&nbsp;&nbsp;&nbsp;&nbsp;63. NY Banking Law 6-M

&nbsp;&nbsp;&nbsp;&nbsp;64. OH Anti - Predatory Lending Act (pre- and post-amendments)

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&nbsp;&nbsp;&nbsp;&nbsp;65. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;66. RI Providence Ordinance Regarding Predatory Lending (post-amendment)

&nbsp;&nbsp;&nbsp;&nbsp;67. SC High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;68. TX Home Loan and High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;69. UT High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;70. VT High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;71. VI VA SB 797 Hight Risk Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;72. WI Responsible High Cost Mortgage Lending Act

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**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

&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;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;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;· 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;· Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

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| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| xxxxxxx0003 |  |  | XXXX A C |
| xxxxxxx0116 |  |  | XXXX D A B |
| xxxxxxx0168 |  |  | XXXX C A |
| xxxxxxx0213 |  |  | XXXX A C |
| xxxxxxx0011 |  |  | XXXX A C |
| xxxxxxx0145 |  |  | XXXX D A B |
| xxxxxxx0088 |  |  | XXXX C D A |
| xxxxxxx0248 |  |  | XXXX A |
| xxxxxxx0142 |  |  | XXXX A C |
| xxxxxxx0132 |  |  | XXXX B C A |
| xxxxxxx0130 |  |  | XXXX A C |
| xxxxxxx0243 |  |  | XXXX A |
| xxxxxxx0184 |  |  | XXXX C A |
| xxxxxxx0165 |  |  | XXXX C A |
| xxxxxxx0106 |  |  | XXXX D A B |
| xxxxxxx0265 |  |  | XXXX D C A B |
| xxxxxxx0011 |  |  | XXXX A C |
| xxxxxxx0094 |  |  | XXXX C A |
| xxxxxxx0245 |  |  | XXXX C A B |
| xxxxxxx1118 |  |  | XXXX D C A |
| xxxxxxx0246 |  |  | XXXX B A |
| xxxxxxx0073 |  |  | XXXX B C A |
| xxxxxx5956 |  |  | XXXX D A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | xxxxxxx0003 |  |  | Closed | 2022-08-15 14:06 | 2022-08-22 05:41 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-08/22/2022 <br>Ready for Review-Document Uploaded. - Buyer-08/19/2022 <br>Open-Lo signature is missing Please provide Updated 1003 - Due Diligence Vendor-08/15/2022 |  | Resolved-The Final 1003 is Executed - Due Diligence Vendor-08/22/2022<br>| XXXX |  |  | MS | Investment | Purchase | NA | 603600 | N/A | N/A |
| XXXX | xxxxxxx0116 |  |  | Closed | 2022-08-31 14:37 | 2022-09-09 06:48 | Resolved | 1 - Information B A | Credit | Doc Issue | Transmittal (1008) is Missing | Resolved- - Due Diligence Vendor-09/09/2022 <br>Ready for Review-Document Uploaded. - Seller-09/08/2022 <br>Ready for Review-The loan is a refinance. Oaktree allowed the borrower to use the appraisal they received when they purchased the home. - Seller-09/08/2022 <br>Open-Appraisal shows purchase but 1008 & Loan approval shows refinance please provide Clarification on Loan Purpose - Due Diligence Vendor-08/31/2022 | Ready for Review-Document Uploaded. - Seller-09/08/2022 <br>Ready for Review-The loan is a refinance. Oaktree allowed the borrower to use the appraisal they received when they purchased the home. - Seller-09/08/2022<br>|  | XXXX |  |  | AZ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 630450 | N/A | N/A |
| XXXX | xxxxxxx0116 |  |  | Closed | 2022-08-30 08:55 | 2022-09-08 07:58 | Resolved | 1 - Information D A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-09/08/2022 <br>Ready for Review-Document Uploaded. - Seller-09/07/2022 <br>Open-Missing HO-6 Master Insurance Policy HO6 Master Insurance Policy is Missing please provide - Due Diligence Vendor-08/30/2022 | Ready for Review-Document Uploaded. - Seller-09/07/2022<br>| Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-09/08/2022<br>| XXXX |  |  | AZ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 627377 | N/A | N/A |
| XXXX | xxxxxxx0116 |  |  | Closed | 2022-08-30 08:55 | 2022-09-08 07:58 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on HO6 Master Policy does not match HOA Name | Resolved-Named Insured on HO-6 Master Insurance Policy matches HOA Name or Property is Not a Condominium - Due Diligence Vendor-09/08/2022 <br>Ready for Review-Document Uploaded. - Seller-09/07/2022 <br>Open-Named Insured on HO-6 Master Insurance Policy does not match HOA Name HO6 Master Insurance Policy is Missing Hence not update - Due Diligence Vendor-08/30/2022 | Ready for Review-Document Uploaded. - Seller-09/07/2022<br>| Resolved-Named Insured on HO-6 Master Insurance Policy matches HOA Name or Property is Not a Condominium - Due Diligence Vendor-09/08/2022<br>| XXXX |  |  | AZ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 627378 | N/A | N/A |
| XXXX | xxxxxxx0168 |  |  | Closed | 2022-09-14 10:34 | 2022-09-20 12:08 | Resolved | 1 - Information C A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Document received. Updated - Due Diligence Vendor-09/20/2022 <br>Ready for Review-Document Uploaded. - Buyer-09/19/2022 <br>Open-Please provide clarification on rent loss, hazard insurance Reflecting rent loss as $5000 however as per guideline we need reserve 6 months of PITIA. - Due Diligence Vendor-09/14/2022 |  | Resolved-Document received. Updated - Due Diligence Vendor-09/20/2022<br>| XXXX |  |  | TX | Investment | Purchase | NA | 651328 | N/A | N/A |
| XXXX | xxxxxxx0168 |  |  | Closed | 2022-09-14 12:32 | 2022-09-16 13:21 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-09/16/2022 <br> Ready for Review-Document Uploaded. - Buyer-09/16/2022 <br> Open-Title Coverage Amount of $XXXX is Less than Total Amount of Subject Lien(s) Title Coverage Amount of $XXXX is Less than Total Amount of Subject Lien, please provide updated document. Thank you. - Due Diligence Vendor-09/14/2022 |  | Resolved-Title Coverage Amount of $582375 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-09/16/2022<br>| XXXX |  |  | TX | Investment | Purchase | NA | 651709 | N/A | N/A |
| XXXX | xxxxxxx0213 |  |  | Closed | 2022-10-20 16:03 | 2022-10-21 10:41 | Resolved | 1 - Information A | Credit | Doc Issue | Transmittal (1008) is Missing | Resolved-Received updated 1008 showing the correct property taxes, finding resolved<br> - Due Diligence Vendor-10/21/2022 <br>Ready for Review-Document Uploaded. Taxes 662.21/ 7934 yr - Buyer-10/20/2022 <br>Open-Please provide updated 1008 to reflect amount listed on title and tax certificate. Thank you. - Due Diligence Vendor-10/20/2022 |  | Resolved-Received updated 1008 showing the correct property taxes, finding resolved<br> - Due Diligence Vendor-10/21/2022<br>| PRELIM _ TITLE COMMITMENT.pdf<br>LOPrint (1).pdf |  |  | GA | Primary Residence | Purchase | NA | 701742 | N/A | N/A |
| XXXX | xxxxxxx0213 |  |  | Closed | 2022-10-14 00:03 | 2022-10-18 08:20 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-10/18/2022 <br>Resolved-Document received, data updated. - Due Diligence Vendor-10/18/2022 <br>Ready for Review-Document Uploaded. - Buyer-10/17/2022 <br>Open-The Final 1003 is Not Executed Laon Originator Signature is missing In Final 1003 document. - Due Diligence Vendor-10/14/2022 |  | Resolved-The Final 1003 is Executed - Due Diligence Vendor-10/18/2022 <br>Resolved-Document received, data updated. - Due Diligence Vendor-10/18/2022<br>| Final 1003 XXXX.pdf |  |  | GA | Primary Residence | Purchase | NA | 692742 | N/A | N/A |
| XXXX | xxxxxxx0011 |  |  | Closed | 2022-10-14 00:30 | 2022-10-18 08:01 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-10/18/2022 <br>Resolved-Document received, data updated - Due Diligence Vendor-10/18/2022 <br>Ready for Review-Document Uploaded. - Buyer-10/17/2022 <br>Open-The Final 1003 is Not Executed Missing Loan Originator Signature. - Due Diligence Vendor-10/14/2022 |  | Resolved-The Final 1003 is Executed - Due Diligence Vendor-10/18/2022 <br>Resolved-Document received, data updated - Due Diligence Vendor-10/18/2022<br>| Final XXXX.pdf |  |  | FL | Primary Residence | Purchase | NA | 692756 | N/A | N/A |
| XXXX | xxxxxxx0145 |  |  | Closed | 2022-10-12 06:43 | 2022-12-08 08:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan Amount does not meet eligibility requirement(s) | Waived-Loan amount < $XXXX - Due Diligence Vendor-12/08/2022 <br> Ready for Review-Document Uploaded. - Seller-12/08/2022 <br> Open- Please provide an updated exception form, current copy in the file only has the exception but no comp factors listed - Due Diligence Vendor-11/22/2022 <br> Open-Please provide an updated exception form, current copy in the file only has the exception but no comp factors listed - Due Diligence Vendor-10/20/2022 <br> Rescinded-Loan Exception Doc provided in Page #4 - Credit Pkg mentioning that Borrower qualified with Loan amount of $XXXX whereas the Minimum Loan amount is XXXX. But as per updated Matrix, Minimum Loan amount to qualify the Borrower is $XXXX Hence Loan amount meets Guideline requirements in this case. Finding can be Rescinded - Due Diligence Vendor-10/12/2022 | Ready for Review-Document Uploaded. - Seller-12/08/2022<br>| Waived-Loan amount < $250,000 - Due Diligence Vendor-12/08/2022 <br> Rescinded-Loan Exception Doc provided in Page #4 - Credit Pkg mentioning that Borrower qualified with Loan amount of $XXXX whereas the Minimum Loan amount is $250,000. But as per updated Matrix, Minimum Loan amount to qualify the Borrower is $1,50,000. Hence Loan amount meets Guideline requirements in this case. Finding can be Rescinded - Due Diligence Vendor-10/12/2022 | Exception XXXX.pdf |  | - Residual Income > $3500 actual $14,847.28<br> - DTI < 5% or more below max actual 12.08/21.38<br> - Credit score > 20 pts + above minimum actaul 794 | CA | Primary Residence | Purchase | NA | 689393 | Originator Post-Close | Yes |
| XXXX | xxxxxxx0145 |  |  | Closed | 2022-10-13 11:58 | 2022-10-20 13:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-10/17/2022 <br>Ready for Review-Document Uploaded. - Buyer-10/13/2022 <br>Open-Please advise on section 5A, states borrower has owned another property in the past 3 years, credit report and 1003 does not shows borrower previously owned property - Due Diligence Vendor-10/13/2022 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-10/17/2022<br>| Final 1003 XXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 692151 | N/A | N/A |
| XXXX | xxxxxxx0145 |  |  | Closed | 2022-10-13 11:59 | 2022-10-17 09:13 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Data confirmed. - Due Diligence Vendor-10/17/2022 <br> Ready for Review-Document Uploaded. Oaktree has the XXXX again. - see attached Matrix - Buyer-10/13/2022 <br> Open-Please advise, loan approval and 1008 state loan is under the XXXX, per the matrix there is no titanium advantage - Due Diligence Vendor-10/13/2022 |  | Resolved-Data confirmed. - Due Diligence Vendor-10/17/2022<br>| XXXX XXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 692154 | N/A | N/A |
| XXXX | xxxxxxx0145 |  |  | Closed | 2022-10-12 01:30 | 2022-10-17 09:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-10/17/2022 <br>Ready for Review-Document Uploaded. - Seller-10/14/2022 <br>Open-Missing Flood Insurance Policy Please provide Flood Insurance in File as the Property is in Flood Zone area. Other Supporting Docs is in Page #181 & 200 - Credit Pkg - Due Diligence Vendor-10/12/2022 | Ready for Review-Document Uploaded. - Seller-10/14/2022<br>| Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-10/17/2022<br>| email on flood ins.pdf<br> XXXX.pdf<br> flood XXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 689181 | N/A | N/A |
| XXXX | xxxxxxx0088 |  |  | Closed | 2022-10-18 11:46 | 2022-10-28 10:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-10/28/2022 <br>Resolved-Received updated final 1003, finding resolved - Due Diligence Vendor-10/21/2022 <br>Ready for Review-Document Uploaded. - Buyer-10/20/2022 <br>Counter-Please advise, 2nd borrower current address is showing as the previous home address - Due Diligence Vendor-10/20/2022 <br>Ready for Review-Document Uploaded. - Buyer-10/19/2022 <br>Open-1. Please provide final 1003 signed by the LO<br> 2. Please provide final 1003 with updated address for 2nd borrower<br> - Due Diligence Vendor-10/18/2022 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-10/28/2022 <br>Resolved-Received updated final 1003, finding resolved - Due Diligence Vendor-10/21/2022<br>| Final 1003 XXXX.1.pdf<br> Final 1003 XXXX.pdf |  |  | FL | Primary Residence | Purchase | NA | 697839 | N/A | N/A |
| XXXX | xxxxxxx0088 |  |  | Closed | 2022-10-18 11:55 | 2022-10-20 08:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Received lock confirmation, finding resolved - Due Diligence Vendor-10/20/2022 <br>Ready for Review-Document Uploaded. - Seller-10/19/2022 <br>Open-Missing rate lock confirmation - Due Diligence Vendor-10/18/2022 | Ready for Review-Document Uploaded. - Seller-10/19/2022<br>| Resolved-Received lock confirmation, finding resolved - Due Diligence Vendor-10/20/2022<br>| LOCK CONFIRMATION_(10).pdf |  |  | FL | Primary Residence | Purchase | NA | 697869 | N/A | N/A |
| XXXX | xxxxxxx0088 |  |  | Closed | 2022-10-18 11:59 | 2022-10-20 08:14 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved- - Due Diligence Vendor-10/20/2022 <br>Ready for Review-Document Uploaded. - Buyer-10/19/2022 <br>Open-1. Please advise on the Tier used to qualify.<br> 2. Approval and data tape showing the qualifying FICO score of 660 using lower mid score, per the guidelines, full doc loans utilize primary wage earner, which would be 667 FICO score - Due Diligence Vendor-10/18/2022 |  |  | AUDIT CONDITIONS(56).pdf<br>APPROVAL CERTIFICATE_(9).pdf |  |  | FL | Primary Residence | Purchase | NA | 697877 | N/A | N/A |
| XXXX | xxxxxxx0248 |  |  | Closed | 2022-10-17 23:42 | 2022-10-20 10:37 | Resolved | 1 - Information A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-10/20/2022 <br>Rescinded-Document Uploaded. No employment - SSI income only - document in the file. - Due Diligence Vendor-10/18/2022 <br>Ready for Review-Document Uploaded. No employment - SSI income only - see attached. - Buyer-10/18/2022 <br>Open-Borrower 1 IRS Transcripts Missing Missing IRS Transcripts for Borrower 1 - Due Diligence Vendor-10/18/2022 |  | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-10/20/2022 <br>Rescinded-Document Uploaded. No employment - SSI income only - document in the file. - Due Diligence Vendor-10/18/2022<br>| TAX_W-2 TRANSCRIPTS(1).pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 696943 | N/A | N/A |
| XXXX | xxxxxxx0142 |  |  | Closed | 2022-10-18 04:54 | 2022-10-19 10:16 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-Received final 1003, signed by the LO, finding resolved - Due Diligence Vendor-10/19/2022 <br>Ready for Review-Document Uploaded. - Buyer-10/18/2022 <br>Open-The Final 1003 is Not Executed LO signature missing in Final 1003 - Due Diligence Vendor-10/18/2022 |  | Resolved-Received final 1003, signed by the LO, finding resolved - Due Diligence Vendor-10/19/2022<br>| final 1003 XXXX.1.pdf |  |  | ID | Primary Residence | Refinance | Cash Out - Other | 697121 | N/A | N/A |
| XXXX | xxxxxxx0132 |  |  | Closed | 2022-10-21 13:37 | 2022-10-25 08:31 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-10/25/2022 <br>Resolved-Document received, data updated. - Due Diligence Vendor-10/25/2022 <br>Ready for Review-Document Uploaded. - Buyer-10/24/2022 <br>Open-LO's signature is missing. Please provide updated Final 1003. - Due Diligence Vendor-10/21/2022 |  | Resolved-The Final 1003 is Executed - Due Diligence Vendor-10/25/2022 <br>Resolved-Document received, data updated. - Due Diligence Vendor-10/25/2022<br>| final 1003 XXXX.pdf |  |  | WA | Primary Residence | Purchase | NA | 703541 | N/A | N/A |
| XXXX | xxxxxxx0130 |  |  | Closed | 2022-10-19 23:05 | 2022-10-26 06:15 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-Final 1003 received. Finding resolved - Due Diligence Vendor-10/26/2022 <br>Ready for Review-Document Uploaded. - Buyer-10/25/2022 <br>Open-The Final 1003 is Not Executed Laon Originator Signature is missing In Final 1003 document. - Due Diligence Vendor-10/20/2022 |  | Resolved-Final 1003 received. Finding resolved - Due Diligence Vendor-10/26/2022<br>| Final 1003 XXXX.pdf |  |  | FL | Investment | Refinance | Cash Out - Other | 699851 | N/A | N/A |
| XXXX | xxxxxxx0184 |  |  | Closed | 2022-10-19 00:39 | 2022-10-27 09:35 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-10/27/2022 <br> Ready for Review-Document Uploaded. Updated Title Policy showing correct amount. - Buyer-10/26/2022 <br> Open-Title Coverage Amount of $XXXX is Less than Total Amount of Subject Lien(s) Provide Correct title report or supplementary report, loan amount less than title report page no-218 closing pkg - Due Diligence Vendor-10/19/2022 |  | Resolved-Title Coverage Amount of $448000 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-10/27/2022<br>| lenders policy with cover sheet.pdf |  |  | OR | Investment | Purchase | NA | 698551 | N/A | N/A |
| XXXX | xxxxxxx0165 |  |  | Closed | 2022-10-18 23:37 | 2022-10-26 06:31 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-10/26/2022 <br>Resolved-Fully executed Final 1003 received. Finding Resolved - Due Diligence Vendor-10/26/2022 <br>Ready for Review-Document Uploaded. - Buyer-10/25/2022 <br>Open-The Final 1003 is Not Executed LO Signature is missing in Final 1003 need new 1003 final with LO Signatures. - Due Diligence Vendor-10/19/2022 |  | Resolved-The Final 1003 is Executed - Due Diligence Vendor-10/26/2022 <br>Resolved-Fully executed Final 1003 received. Finding Resolved - Due Diligence Vendor-10/26/2022<br>| Final 1003 XXXX.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 698521 | N/A | N/A |
| XXXX | xxxxxxx0106 |  |  | Closed | 2022-10-20 04:02 | 2023-01-04 10:08 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Waived- - Due Diligence Vendor-01/04/2023 <br> Resolved-Exception provided for Self- Employment < 2 years, Fico score above minimum by 20 pts or higher and Excess Reserves 3 + Months. - Due Diligence Vendor-10/31/2022 <br> Ready for Review-Document Uploaded. My apologies XXXX-one of those days. - Seller-10/27/2022 <br> Counter-Thank you XXXX. The borrower has enough reserves to cover 6 months. But the borrower does not have enough residual income as it is $3128. The original exception is for self employment less than 2 years. I appreciate your help. - Due Diligence Vendor-10/27/2022 <br> Ready for Review-Document Uploaded. - Seller-10/27/2022 <br> Open-One of 2 comp factors (residual income) not met for exception (page 5). <br> 1. 3 months reserves above and beyond standard requirement, FTHB 6 months reserves exceeded. 2. Residual Income does not exceed $3500. Thank you. - Due Diligence Vendor-10/20/2022 | Ready for Review-Document Uploaded. My apologies XXXX-one of those days. - Seller-10/27/2022 <br> Ready for Review-Document Uploaded. - Seller-10/27/2022 | Resolved-Exception provided for Self- Employment < 2 years, Fico score above minimum by 20 pts or higher and Excess Reserves 3 + Months. - Due Diligence Vendor-10/31/2022<br>| Exception XXXX.pdf<br> Exception XXXX.pdf |  | 1. 3 months reserves above and beyond standard requirement. (actual 782)<br> 2. Residual Income exceeds $3500 (actual 49.95) | PA | Primary Residence | Purchase | NA | 699996 | Originator Post-Close | Yes |
| XXXX | xxxxxxx0106 |  |  | Closed | 2022-10-20 04:04 | 2022-11-03 05:17 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved-Exception provided for loan amount < $250,000.<br> - Due Diligence Vendor-10/31/2022 <br> Ready for Review-Document Uploaded. - Seller-10/27/2022 <br> Open-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX - Due Diligence Vendor-10/20/2022 | Ready for Review-Document Uploaded. - Seller-10/27/2022<br>| Resolved-Exception provided for loan amount < $250,000.<br> - Due Diligence Vendor-10/31/2022<br>| Exception XXXX ln amt.pdf |  |  | PA | Primary Residence | Purchase | NA | 700000 | N/A | N/A |
| XXXX | xxxxxxx0106 |  |  | Closed | 2022-10-20 04:08 | 2022-11-02 07:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Tax Cert | Resolved-Tax Cert received. Finding Resolved - Due Diligence Vendor-11/02/2022 <br>Ready for Review-Document Uploaded. 1008 should reflect the $209.79 + $14.35 = total $224.14 the $35.71 is on a sep line. see attached. = Unable to put the $14.35 with taxes due to system. - Buyer-11/01/2022 <br>Counter-Per prior response, if the system added the $209.79 and $35.71 and put under Other- Total $224.14, then the $14.35 (Township Taxes) is still missing on the 1008 per the tax breakdown that was provided. Please provide an updated 1008 with $14.35 in Township Taxes captured under Taxes. - Due Diligence Vendor-11/01/2022 <br>Ready for Review-Document Uploaded. Our system added the 209.79 and 35.71 and put under Other- Total $224.14 - Buyer-10/31/2022 <br>Counter-Please provide an updated 1008 showing the amount of $50.06 (35.71 + 14.35) from section G of the Final CD pg. 2) - Due Diligence Vendor-10/31/2022 <br>Ready for Review-Document Uploaded. - Seller-10/27/2022 <br>Ready for Review-Document Uploaded. - Seller-10/27/2022 <br>Open-Tax Cert is missing in file - Due Diligence Vendor-10/20/2022 | Ready for Review-Document Uploaded. - Seller-10/27/2022 <br>Ready for Review-Document Uploaded. - Seller-10/27/2022<br>| Resolved-Tax Cert received. Finding Resolved - Due Diligence Vendor-11/02/2022<br>| TAX INFORMATION SHEET - PROPERTY TAX(3).pdf<br> TAX INFORMATION SHEET - PROPERTY TAX(4).pdf<br> tax breakdown.pdf<br> LOPrint(28).pdf<br> AUDIT CONDITIONS(63).pdf<br> LOPrint(30).pdf |  |  | PA | Primary Residence | Purchase | NA | 700002 | N/A | N/A |
| XXXX | xxxxxxx0106 |  |  | Closed | 2022-10-26 13:58 | 2022-10-28 12:47 | Resolved | 1 - Information B A | Credit | Doc Issue | 4506-T is Missing | Resolved-Clarification received, data updated. Thank you. - Due Diligence Vendor-10/28/2022 <br>Ready for Review-the bank stmt in file were only used for asset verification - Buyer-10/27/2022 <br>Ready for Review-Document Uploaded. UW advised loan started out as 12 mo bank stmt but since the borrower turned out to be 1099 employee they proceeded using the 1099 and VOE for income docs. UW advised program code correct - they use other bank stmt for 1099 income - Buyer-10/27/2022 <br>Counter-The file contains 3 months of personal bank statements. Please provide further statements if necessary. A bank statement income calculation document is also needed. Thank you for your time. - Due Diligence Vendor-10/27/2022 <br>Ready for Review-No 4506T- loan was approved using 12 months bank stmt to validate 1099 income - Buyer-10/27/2022 <br>Open-Approval certificate indicates the loan is "other bank statements". Income calculation and documents provided appear to support "full" please provide further documents for clarification. Thank you. - Due Diligence Vendor-10/26/2022 |  | Resolved-Clarification received, data updated. Thank you. - Due Diligence Vendor-10/28/2022<br>| INCOME WORKSHEET(15).pdf<br>AUDIT CONDITIONS(61).pdf |  |  | PA | Primary Residence | Purchase | NA | 709933 | N/A | N/A |
| XXXX | xxxxxxx0265 |  |  | Closed | 2022-10-31 13:58 | 2022-11-01 10:30 | Resolved | 1 - Information A | Credit | Assets | Asset General | Resolved-Updated 1003 with duplicate BSB acct. Finding Resolved. - Due Diligence Vendor-11/01/2022 <br> Ready for Review-Document Uploaded. See updated 1003/1008 - removed duplicate for BSB - Buyer-11/01/2022 <br> Open-It appears that there are duplicate entries for Assets- XXXX acct ending in XXXX for $31,653.17 and XXXX acct ending in XXXX for $31,653.17 on the Final 1003. Please clarify and provide updated 1003. Thank you. - Due Diligence Vendor-10/31/2022 |  | Resolved-Updated 1003 with duplicate BSB acct. Finding Resolved. - Due Diligence Vendor-11/01/2022<br>| AUDIT CONDITIONS(65).pdf |  |  | CA | Primary Residence | Purchase | NA | 716749 | N/A | N/A |
| XXXX | xxxxxxx0265 |  |  | Closed | 2022-10-24 00:32 | 2022-10-31 12:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Citizenship Documentation Not Provided | Resolved-Borrower 2 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-10/28/2022 <br>Resolved-Document received, data updated. - Due Diligence Vendor-10/28/2022 <br>Ready for Review-Document Uploaded. borr US citizen - see DL attached. - Seller-10/27/2022 <br>Open-Borrower 2 Citizenship Documentation Is Missing 2nd borrowers ID is missing, please provide - Due Diligence Vendor-10/24/2022 | Ready for Review-Document Uploaded. borr US citizen - see DL attached. - Seller-10/27/2022<br>| Resolved-Borrower 2 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-10/28/2022 <br>Resolved-Document received, data updated. - Due Diligence Vendor-10/28/2022<br>| Drivers Licence - Front (002).jpg<br>Drivers Licence - Back (002).jpg |  |  | CA | Primary Residence | Purchase | NA | 704315 | N/A | N/A |
| XXXX | xxxxxxx0265 |  |  | Closed | 2022-10-24 00:32 | 2022-10-31 12:42 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-10/31/2022 <br>Resolved-Received updated final 1003 signed by LO, finding resolved - Due Diligence Vendor-10/31/2022 <br>Open- - Due Diligence Vendor-10/28/2022 <br>Ready for Review-Document Uploaded. - Buyer-10/27/2022 <br>Open-The Final 1003 is Not Executed LO Signature is missing in Final 1003 - Due Diligence Vendor-10/24/2022 |  | Resolved-The Final 1003 is Executed - Due Diligence Vendor-10/31/2022 <br>Resolved-Received updated final 1003 signed by LO, finding resolved - Due Diligence Vendor-10/31/2022<br>| Final 1003 XXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 704316 | N/A | N/A |
| XXXX | xxxxxxx0265 |  |  | Closed | 2022-10-26 13:45 | 2022-10-31 09:23 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Received updated approval cert, finding resolved - Due Diligence Vendor-10/31/2022 <br>Ready for Review-Document Uploaded. - Buyer-10/27/2022 <br>Open-The approval cert is showing a qualifying FICO score of 765, alt doc used for primary wage earner with the FICO score of 812, please provide an updated approval cert - Due Diligence Vendor-10/26/2022 |  | Resolved-Received updated approval cert, finding resolved - Due Diligence Vendor-10/31/2022<br>| APPROVAL CERTIFICATE_(13).pdf |  |  | CA | Primary Residence | Purchase | NA | 709910 | N/A | N/A |
| XXXX | xxxxxxx0265 |  |  | Closed | 2022-10-26 14:50 | 2022-10-31 09:22 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received updated PCCD, issue resolved - Due Diligence Vendor-10/31/2022 <br>Ready for Review-Document Uploaded. - Seller-10/27/2022 <br>Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($343.00) exceed the comparable charges ($200.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Please advise, there is a Mobile Signing Fee added on section B for $200 on the PCCD with no lender credits added to cover the new increase - Due Diligence Vendor-10/26/2022 | Ready for Review-Document Uploaded. - Seller-10/27/2022<br>| Resolved-Received updated PCCD, issue resolved - Due Diligence Vendor-10/31/2022<br>| CD XXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 710103 | N/A | N/A |
| XXXX | xxxxxxx0011 |  |  | Closed | 2022-10-20 22:57 | 2023-01-06 08:32 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-Update 1003 saved in bulletin board. - Due Diligence Vendor-01/06/2023 <br>Resolved-The Final 1003 is Executed - Due Diligence Vendor-10/25/2022 <br>Ready for Review-Document Uploaded. - Seller-10/24/2022 <br>Open-The Final 1003 is Not Executed Laon Originator Signature is missing In Final 1003 document. - Due Diligence Vendor-10/21/2022 | Ready for Review-Document Uploaded. - Seller-10/24/2022<br>| Resolved-Update 1003 saved in bulletin board. - Due Diligence Vendor-01/06/2023 <br>Resolved-The Final 1003 is Executed - Due Diligence Vendor-10/25/2022<br>| final 1003 XXXX.pdf |  |  | UT | Investment | Purchase | NA | 701898 | N/A | N/A |
| XXXX | xxxxxxx0011 |  |  | Closed | 2022-11-15 16:30 | 2023-01-06 08:27 | Resolved | 1 - Information A | Credit | Doc Issue | Transmittal (1008) is Missing | Resolved-Income and DTI updated. Documents uploaded to bulletin board. - Due Diligence Vendor-01/06/2023 <br>Resolved-Clarification received. Thank you. - Due Diligence Vendor-11/16/2022 <br>Ready for Review-Document Uploaded. Corrected income 2600x75% - see attached. - Seller-11/16/2022 <br>Open-Please advise on how the back end DTI was calculated, the expected income on the property is 2600\*.75=1950-2660.91=710.91 rent loss on the subject property per the appraisal. Per the final 1003 the income is 2500\*.75=1875-2660.91=785.91. Per the gap report total liabilities add up to $6970. 6970+710.91= 7680.91 or 7755.91 + primary housing expense - Due Diligence Vendor-11/15/2022 | Ready for Review-Document Uploaded. Corrected income 2600x75% - see attached. - Seller-11/16/2022<br>| Resolved-Income and DTI updated. Documents uploaded to bulletin board. - Due Diligence Vendor-01/06/2023 <br>Resolved-Clarification received. Thank you. - Due Diligence Vendor-11/16/2022<br>| AUDIT CONDITIONS(81).pdf |  |  | UT | Investment | Purchase | NA | 737651 | N/A | N/A |
| XXXX | xxxxxxx0011 |  |  | Closed | 2022-11-16 14:26 | 2022-11-22 12:44 | Resolved | 1 - Information A | Compliance | TRID | Final CD: Estimated Taxes, Insurance, & Assessments "In escrow? is incomplete or inaccurate " | Resolved- - Due Diligence Vendor-11/22/2022 <br> Ready for Review-Document Uploaded. See attacjed. - Buyer-11/22/2022 <br> Counter-Yes docs were drawn with $345.83 per month. Please see docs that were previously provided under Transmittal (1008) is Missing. An updated 1008 and 1003 were provided on 11/16/2022 XXXX at 6:45am with the corrected income (See uploaded doc Audit Conditions 81) but it reflects Property Taxes iao $432.29. Also, under Missing subject tax certificate on 11/16/2022 by XXXX at 6:30am, an updated 1008 was provided that also reflects Property Taxes iao $432.29. Please provide update 1008 with corrected income, updated Property Taxes and correct DTI ratios - Due Diligence Vendor-11/22/2022 <br> Ready for Review-Document Uploaded. Hello. Documentation in file supports taxes 2022 $3761.77 /12 = $313.48/mo<br> UW calculated using loan amount x1.25% -$345.83/mo Can you please re-look at this file. We drew docs with $345.83/month. - Seller-11/22/2022 <br> Open-Property Taxes- UW used Sales Price $XXXX the Audit Conditions 81 on 11/16/2022 Final 1003 and 1008 to calculate the property taxes at 1.25%= $5187.50/12= $432.29 per month; however, property taxes on the Final CD were calculated using the Loan Amount of $XXXX\*1.25%= $4150/12= $345.83 which appears to be inaccurate. Estimated Escrows should be Property Taxes $432.29+ HOI $20.91= $453.20. Also, First payment appears to be inaccurate as well. Please provide updated/corrected documents. - Due Diligence Vendor-11/16/2022 | Ready for Review-Document Uploaded. Hello. Documentation in file supports taxes 2022 $3761.77 /12 = $313.48/mo<br> UW calculated using loan amount x1.25% -$345.83/mo Can you please re-look at this file. We drew docs with $345.83/month. - Seller-11/22/2022<br>|  | DATA XXXX(3).pdf<br> LOPrint(51).pdf |  |  | UT | Investment | Purchase | NA | 738836 | N/A | N/A |
| XXXX | xxxxxxx0011 |  |  | Closed | 2022-10-21 01:31 | 2022-11-16 10:28 | Resolved | 1 - Information A | Credit | Credit | Missing subject property tax certificate | Resolved-Clarification received. Thank you. - Due Diligence Vendor-11/16/2022 <br>Ready for Review-Document Uploaded. Property taxes are calculated at 1.25% of the sales price for qualification - Buyer-11/16/2022 <br>Counter-Please advise on why 1.25% of the loan amount was utilized, per the guidelines the sales price should be utilized - Due Diligence Vendor-11/15/2022 <br>Resolved-Clarification received, data updated. - Due Diligence Vendor-10/25/2022 <br>Ready for Review-Property is new construction - UW used 1.25% of loan amount to calculate tax payment. - Seller-10/24/2022 <br>Open-Property value is not matching with tax cert and title, Considered tax Information sheet. Need updated Copy of Tax certificate. - Due Diligence Vendor-10/21/2022 | Ready for Review-Property is new construction - UW used 1.25% of loan amount to calculate tax payment. - Seller-10/24/2022<br>| Resolved-Clarification received. Thank you. - Due Diligence Vendor-11/16/2022 <br>Resolved-Clarification received, data updated. - Due Diligence Vendor-10/25/2022<br>| AUDIT CONDITIONS(80).pdf |  |  | UT | Investment | Purchase | NA | 702043 | N/A | N/A |
| XXXX | xxxxxxx0094 |  |  | Closed | 2022-10-20 22:37 | 2022-10-27 08:29 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-10/27/2022 <br>Resolved-Document received, data updated - Due Diligence Vendor-10/27/2022 <br>Ready for Review-Document Uploaded. - Buyer-10/26/2022 <br>Open-The Final 1003 is Not Executed Loan Originator not signed in Final 1003 - Due Diligence Vendor-10/21/2022 |  | Resolved-The Final 1003 is Executed - Due Diligence Vendor-10/27/2022 <br>Resolved-Document received, data updated - Due Diligence Vendor-10/27/2022<br>| Final 1003 XXXX.pdf |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 701892 | N/A | N/A |
| XXXX | xxxxxxx0094 |  |  | Closed | 2022-10-26 09:47 | 2022-10-27 08:27 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Document received, data updated. - Due Diligence Vendor-10/27/2022 <br>Ready for Review-Document received data updated. - Due Diligence Vendor-10/27/2022 <br>Ready for Review-Document Uploaded. - Buyer-10/26/2022 <br>Open-Please provide updated 1008. The 1008 in file is showing 49.965 but the DTI was calculated at 45.34% due to Auto loan was paid off at closing. - Due Diligence Vendor-10/26/2022 |  | Resolved-Document received, data updated. - Due Diligence Vendor-10/27/2022<br>| AUDIT CONDITIONS(60).pdf |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 709061 | N/A | N/A |
| XXXX | xxxxxxx0245 |  |  | Closed | 2022-10-27 13:01 | 2022-11-03 08:17 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Resolved-Lender confirmed 9.12.2022 Matrix was utilized<br> - Due Diligence Vendor-11/03/2022 <br> Ready for Review-Document Uploaded. The Matrix used was 9/12/22- - loan approved prior to new guidelines 10.12.22 - Seller-11/01/2022 <br> Counter-Please advise, per 10.12 matrix the min DSCR is 1.25 for IO loans, current DSCR is 1.06 - Due Diligence Vendor-10/31/2022 <br> Ready for Review-10/12/22 - Buyer-10/28/2022 <br> Open-Please confirm date of matrix used for XXXX loan. Thank you. - Due Diligence Vendor-10/27/2022 | Ready for Review-Document Uploaded. The Matrix used was 9/12/22- - loan approved prior to new guidelines 10.12.22 - Seller-11/01/2022<br>| Resolved-Lender confirmed 9.12.2022 Matrix was utilized<br> - Due Diligence Vendor-11/03/2022<br>| XXXX.pdf |  |  | TX | Investment | Purchase | NA | 712105 | N/A | N/A |
| XXXX | xxxxxxx0245 |  |  | Closed | 2022-10-25 01:21 | 2022-10-31 09:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Loan amount < $250,000 - Due Diligence Vendor-10/31/2022 <br> Ready for Review-Document Uploaded. - Buyer-10/28/2022 <br> Open-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX - Due Diligence Vendor-10/25/2022 |  | Waived-Loan amount < $250,000 - Due Diligence Vendor-10/31/2022<br>| Exception XXXX.pdf |  | DSCR > 1 (currently at 1.06)<br> Excess Reserves 3+ months (currently at 555.52) | TX | Investment | Purchase | NA | 706223 | Originator Post-Close | Yes |
| XXXX | xxxxxxx0245 |  |  | Closed | 2022-10-28 08:48 | 2022-10-31 09:13 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received updated final 1003, finding resolved - Due Diligence Vendor-10/31/2022 <br>Ready for Review-Document Uploaded. - Seller-10/28/2022 <br>Open-Borrower 2 is a naturalized citizen however the 1003 indicates she is a non-permanent resident. Please update. Thank you. - Due Diligence Vendor-10/28/2022 | Ready for Review-Document Uploaded. - Seller-10/28/2022<br>| Resolved-Received updated final 1003, finding resolved - Due Diligence Vendor-10/31/2022<br>| final 1003 XXXX.pdf |  |  | TX | Investment | Purchase | NA | 713580 | N/A | N/A |
| XXXX | xxxxxxx0245 |  |  | Closed | 2022-10-24 23:52 | 2022-10-31 09:13 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-Received updated final 1003, finding resolved - Due Diligence Vendor-10/31/2022 <br>Ready for Review-Document Uploaded. - Buyer-10/28/2022 <br>Open-The Final 1003 is Not Executed Laon Originator Signature is missing In Final 1003 document. - Due Diligence Vendor-10/25/2022 |  | Resolved-Received updated final 1003, finding resolved - Due Diligence Vendor-10/31/2022<br>| final 1003 XXXX.pdf |  |  | TX | Investment | Purchase | NA | 706149 | N/A | N/A |
| XXXX | xxxxxxx1118 |  |  | Closed | 2022-10-26 05:56 | 2022-11-14 10:54 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Thank you, documents received, data updated. - Due Diligence Vendor-11/14/2022 <br> Ready for Review-Document Uploaded. Hi XXXX--this file has been a pain. UW advised bank stmt shows LOC $30K AND pymt due $1050 10/31 - updated liabilities and re-printed 1003 and 1008 - - Seller-11/11/2022 <br> Counter-Thank you XXXX. The credit report refers to XXXX with no payment, when calculating 5%, this increases the DTI. 5% does not match what is noted as a payment on the 1003. Is the updated 1008 being used for an exception as well? - Due Diligence Vendor-11/10/2022 <br> Ready for Review-Document Uploaded. my apologies-Oaktree has 2 sep systems and the UW failed to update the one that I print the forms from. This should be correct now. - Buyer-11/09/2022 <br> Counter-Please advise on how the Other obligations were calculated. Other properties listed as $2416, with the three rental properties rental loss adds up to $3,973.8. Liabilities add up $3,097.8 with 5% of the 30k used as the credit report shows $0 and there is no documentation showing the liability being paid off - Due Diligence Vendor-11/09/2022 <br> Ready for Review-Document Uploaded. - Seller-11/08/2022 <br> Counter-The prior request for a updated 1008 for the Income discrepancy was received; however, the updated 1008 did not capture the P&I $4503.20, property taxes iao $848.96 and HOI iao $156.00 of the subject property. Please provide updated 1008 with the income, P&I, property taxes and HOI. - Due Diligence Vendor-11/08/2022 <br> Ready for Review-Document Uploaded. - Buyer-11/07/2022 <br> Counter-The 1008 provided does not reflect the P&I, taxes and insurance. Please provide updated 1008. - Due Diligence Vendor-11/03/2022 <br> Ready for Review-Document Uploaded. - Seller-11/02/2022 <br> Open- - Due Diligence Vendor-11/01/2022 <br> Open-The 1008 document is missing from the loan file. need Updated 1008, as borrower Income Is not Matching with 1003. and Worksheet calculation is also Not matching with 1008 And also 1003, and It is a condominium property, but not stated in 1008. - Due Diligence Vendor-10/26/2022 | Ready for Review-Document Uploaded. Hi XXXX--this file has been a pain. UW advised bank stmt shows LOC $30K AND pymt due $1050 10/31 - updated liabilities and re-printed 1003 and 1008 - - Seller-11/11/2022 <br>Ready for Review-Document Uploaded. - Seller-11/08/2022 <br>Ready for Review-Document Uploaded. - Seller-11/02/2022<br>| Resolved-Thank you, documents received, data updated. - Due Diligence Vendor-11/14/2022<br>| 1008.pdf<br> INCOME CALCULATION WORKSHEET(4).pdf<br> LOPrint(39).pdf<br> UW Cert XXXX.pdf<br> Property Profile XXXX.pdf<br> LOPrint(40).pdf<br> LOPrint(47).pdf<br> XXXX credit.pdf<br> AUDIT CONDITIONS(77).pdf |  |  | CA | Second Home | Purchase | NA | 708323 | N/A | N/A |
| XXXX | xxxxxxx1118 |  |  | Closed | 2022-10-26 00:51 | 2022-11-09 11:57 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-11/02/2022 <br>Ready for Review-Document Uploaded. CDA CDA Invoice - Buyer-11/02/2022 <br>Counter-Per the guidelines, a desk review is required on all loan, please advise - Due Diligence Vendor-11/01/2022 <br>Ready for Review-CDA was not ordered for this loan as it was a retail deal - Seller-10/31/2022 <br>Open-No Secondary Value or Additional Review Products have been selected, which are required for securitization. No Secondary Value or Additional Review documents Available in file. - Due Diligence Vendor-10/26/2022 | Ready for Review-CDA was not ordered for this loan as it was a retail deal - Seller-10/31/2022<br>| Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-11/02/2022<br>| CDA INVOICE.pdf<br> XXXX_RDA.pdf |  |  | CA | Second Home | Purchase | NA | 708154 | N/A | N/A |
| XXXX | xxxxxxx1118 |  |  | Closed | 2022-10-26 00:51 | 2022-11-09 11:57 | Resolved | 1 - Information A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-11/02/2022 <br>Ready for Review-Document Uploaded. CDA and CDA Invoice attached - Buyer-11/01/2022 <br>Rescinded-Duplicate finding, finding rescinded - Due Diligence Vendor-11/01/2022 <br>Ready for Review-CDA was not ordered for this loan as it was a retail deal - Seller-10/31/2022 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 No Secondary Value or Additional Review documents Available in file. - Due Diligence Vendor-10/26/2022 | Ready for Review-CDA was not ordered for this loan as it was a retail deal - Seller-10/31/2022<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-11/02/2022 <br>Rescinded-Duplicate finding, finding rescinded - Due Diligence Vendor-11/01/2022<br>| XXXX<br> XXXX |  |  | CA | Second Home | Purchase | NA | 708155 | N/A | N/A |
| XXXX | xxxxxxx1118 |  |  | Closed | 2022-10-25 22:46 | 2022-11-04 09:07 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-Received fully executed Final 1003. Finding Resolved - Due Diligence Vendor-11/04/2022 <br>Ready for Review-Document Uploaded. - Seller-11/03/2022 <br>Open-The Final 1003 is Not Executed Laon Originator Signature is missing In Final 1003 document. - Due Diligence Vendor-10/26/2022 | Ready for Review-Document Uploaded. - Seller-11/03/2022<br>| Resolved-Received fully executed Final 1003. Finding Resolved - Due Diligence Vendor-11/04/2022<br>| Final 1003 XXXX.pdf |  |  | CA | Second Home | Purchase | NA | 708069 | N/A | N/A |
| XXXX | xxxxxxx1118 |  |  | Closed | 2022-10-26 01:17 | 2022-11-01 10:24 | Resolved | 1 - Information C A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Master Policy Expiration Date of 03-01-2023 is Equal to or After the Transaction Date of 10-18-2022 Or Master Policy Expiration Date Is Not Provided Received updated master policy, finding resolved - Due Diligence Vendor-11/01/2022 <br>Ready for Review-Document Uploaded. - Buyer-10/31/2022 <br>Open-Master Policy Expiration Date of 03-01-2022 is Prior To the Transaction Date of 10-18-2022 Need updated Master Policy, As Master policy Expiration date is Less than Transaction Date. Master policy expired. - Due Diligence Vendor-10/26/2022 |  | Resolved-Master Policy Expiration Date of 03-01-2023 is Equal to or After the Transaction Date of 10-18-2022 Or Master Policy Expiration Date Is Not Provided Received updated master policy, finding resolved - Due Diligence Vendor-11/01/2022<br>| MASTER HOI(3).pdf |  |  | CA | Second Home | Purchase | NA | 708170 | N/A | N/A |
| XXXX | xxxxxxx0246 |  |  | Closed | 2022-11-01 06:54 | 2023-01-25 12:11 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-7.6% reserves for condo budget, 8% required per guideline, exception on file. Finding has been waived. - Due Diligence Vendor-01/25/2023 <br>Ready for Review-Document Uploaded. - Buyer-11/03/2022 <br>Open-7.6% RESERVES FOR CONDO BUDGET. 8% REQUIRED FOR-NON WARRANTABLE CONDO. Which was showing in Exception doc is on page # 5 Credit Pkg - Due Diligence Vendor-11/01/2022 |  | Waived-7.6% reserves for condo budget, 8% required per guideline, exception on file. Finding has been waived. - Due Diligence Vendor-01/25/2023<br>| EXCEPTION APPROVAL(6).pdf |  | Residual Income greater than $40,000<br> Borrower's have owned all businesses greater than 5 years | FL | Investment | Refinance | Cash Out - Other | 717653 | Originator Pre-Close | Yes |
| XXXX | xxxxxxx0073 |  |  | Closed | 2022-11-07 00:24 | 2022-11-10 16:09 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC, resolved issue - Due Diligence Vendor-11/10/2022 <br>Ready for Review-Document Uploaded. - Buyer-11/09/2022 <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 ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($656.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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). Please provide the COC regarding the increase of the Lender Credits iao $656.25 for the Initial CD on pg 144 Closing Pkg and the COC regarding the decrease in Lender Credits iao $0.00 for the Revised CD pg 138 Closing Pkg - Due Diligence Vendor-11/07/2022 |  | Resolved-Received COC, resolved issue - Due Diligence Vendor-11/10/2022<br>| COC.pdf |  |  | AZ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 726236 | N/A | N/A |
| XXXX | xxxxxxx0073 |  |  | Closed | 2022-11-07 00:36 | 2022-11-10 14:03 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Received updated approval cert, finding resolved - Due Diligence Vendor-11/10/2022 <br>Ready for Review-Document Uploaded. - Buyer-11/09/2022 <br>Open-Approval Certificate pg. 1 Iin Credit Pkg states 12 months personal bank statements but 12 months business bank statements were provided, and U/W also considered the business bank statements for Income verification. Please provide updated Approval Certificate. - Due Diligence Vendor-11/07/2022 |  | Resolved-Received updated approval cert, finding resolved - Due Diligence Vendor-11/10/2022<br>| XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 726248 | N/A | N/A |
| XXXX | xxxxxx5956 |  |  | Closed | 2025-09-03 10:14 | 2025-09-10 06:38 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-Sep 24 and Dec 24 required business bank statements provided. Resolved - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. Bank Statements - Seller-09/09/2025 <br> Open-Borrower1 & Borrower 2 Business Bank Statements Less Than 12 Months Provided, Provide Borrower1 & Borrower 2 Business Bank Statements for Employer " XXXX", XXXX XXXX missing 1) XXXX & 2) XXXX Bank Statement's from the file.<br> - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. Bank Statements - Seller-09/09/2025<br>| Resolved-Sep 24 and Dec 24 required business bank statements provided. Resolved - Due Diligence Vendor-09/10/2025<br>| Bank Statement - Dec.pdf<br>Bank Statement - Sept.pdf |  |  | NV | Primary Residence | Purchase | NA | 5396053 | N/A | N/A |
| XXXX | xxxxxx5956 |  |  | Closed | 2025-09-02 13:15 | 2025-09-10 06:25 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 provided. Resolved - Due Diligence Vendor-09/10/2025 <br>Ready for Review-Document Uploaded. Updated 1008 - Seller-09/09/2025 <br>Open-The 1008 document is missing from the loan file. Provide the updated 1008 with Monthly Property Tax premium amount showing as per Final CD on page#285. Monthly Property Taxes showing as $975.39, but 1008 document on page#835 Monthly Property Taxes showing as $721.50. - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. Updated 1008 - Seller-09/09/2025<br>| Resolved-Updated 1008 provided. Resolved - Due Diligence Vendor-09/10/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 5383758 | N/A | N/A |

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| xxxxxxx0003 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxxx0116 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxxx0168 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxxx0213 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 | XXXX |
| xxxxxxx0011 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxxx0145 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxxx0088 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxxx0248 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | XXXX | -.0351 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0351 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 | XXXX |
| xxxxxxx0142 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  | XXXX |
| xxxxxxx0132 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| xxxxxxx0130 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.63 | 68.63 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxxx0243 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxxx0184 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 55.38 | 55.38 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 | XXXX |
| xxxxxxx0165 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxxx0106 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| xxxxxxx0265 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 | XXXX |
| xxxxxxx0011 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxxx0094 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.81 | 23.81 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 | XXXX |
| xxxxxxx0245 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxxx1118 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxxx0246 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 64.1 | 64.1 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxxx0073 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxx5956 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |

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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** |
|  | xxxxxxx0003 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 695 | 675 | 703 | 695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MS | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 1053 | Yes | 214.9 | 363642.26 | XXXX | XXXX | 75.0 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | ARM | 7/6 SOFR ARM INVESTOR ADVANTAGE - 5 YR PPP | 8.25 | 8.25 | 1394.54 | 1394.54 | 298.08 | 1692.12 | XXXX | ARM | 360 | 360 | XXXX | 3.75 | Nearest | 0.125 | 45 Days | SOFR 30 Day Average | 1.6824 | 5 | 1 | 3.75 | 3.75 | 13.25 | 13.25 | 09-01-2029 | 10-01-2029 | 6 | 6 | No | 0 | 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 | 6960.94 | 3 |  | 81 |  |  | 6 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxxx0116 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 640 | 640 | 655 | 632 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  |  | 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 | Refinance | Rate and Term | 19.72 | 49.7 | 8900.00 | .00 | .00 | .00 | 8900.00 | Employed |  |  |  | 12.91 |  |  |  | NA | 4476.72 | 4423.28 | Yes | 13.58 | 23824.99 | XXXX | XXXX | 75.0 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | 30 YR FIXED NON-AGENCY ADVANTAGE | 8.5 | 8.5 | 1412.88 | 1412.88 | 104.91 | 1754.79 | XXXX | Fixed | 360 | 360 | XXXX | 0.0 |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  | No | 0 | 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 | 1 | 0.0 | 6586.88 | 2 | 24991 | 269 | 14 | 0.20411764705882354 | 0.08 | No | XXXX | Manual Underwriting | 6586.88 | 8.934 | Yes | No | XXXX | XXXX |  |
|  | xxxxxxx0168 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 800 | 792 | 801 | 800 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  |  | 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 |  |  |  |  |  |  |  |  | NA |  | 3276 | Yes | 24.13 | 187747.7 | XXXX | XXXX | 75.0 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | 30 YR FIXED INVESTOR ADVANTAGE -- 5 YR PPP | 7.5 | 7.5 | 4072.05 | 4072.05 | 68.26 | 4589.31 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 18766.25 | 2 |  | 219 |  |  | 17.33 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxxx0213 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 708 | 690 | 764 | 708 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 26.93 | 47.47 | 32971.14 | .00 | .00 | .00 | 32971.14 | Employed |  |  |  | 12.08 |  |  |  | NA | 16523.21 | 15650.18 | Yes | 20.8 | 364425.57 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | Non-Agency Advantage Tier 1 - 08/21/2022 | 8.5 | 8.5 | 7842.92 | 7842.92 | 1035.22 | 8878.14 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 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 | 0.0 | 16595.00 | 1 | 375310 | 217 | 7 | 0.04009240246406571 | 3.41 | No | XXXX | Manual Underwriting | 16595 | 8.504 | No | No | XXXX | XXXX |  |
|  | xxxxxxx0011 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 704 | 704 | 692 | 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 | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 5.85 | 6.37 | 101258.08 | .00 | .00 | .00 | 101258.08 | Employed |  |  |  | 7.25 |  |  |  | NA | 94809.47 | 6448.61 | Yes | 19.57 | 115817.31 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | Non-Agency Advantage Tier 1 - 08/21/2022 | 7.5 | 7.5 | 4135.85 | 4135.85 | 896.76 | 5918.61 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 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 | 1 | 0.0 | 7949.38 | 1 | 18100 | 211 | 5 | 0.5698490566037736 | 37 | No | XXXX | Manual Underwriting | 7949.38 | 7.549 | Yes | No | XXXX | XXXX |  |
|  | xxxxxxx0145 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 780 | 803 | 780 | 771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 794 | 794 | 788 | 797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 12.08 | 21.38 | .00 | 18885.41 | .00 | .00 | 18885.41 | Not Employed | Employed |  |  |  | 3.17 |  |  | NA | 14847.28 | 4038.13 | Yes | 40.72 | 92932.79 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | 30 YR FIXED TITANIUM ADVANTAGE | 7.0 | 7.0 | 1623.34 | 1623.34 | 352.79 | 2282.13 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 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 | A99 | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0.0 | 6175.00 | 1 | 43795 | 136 | 9 | 0.056438439427131476 | 2.08 | No | XXXX | Manual Underwriting | 9835 | 7.259 | No | No | XXXX | XXXX |  |
|  | xxxxxxx0088 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 660 | 660 | 673 | 657 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 667 | 667 | 677 | 629 | 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 | 28.18 | 47.21 | 2901.38 | 6250.00 | .00 | .00 | 9151.38 | Not Employed | Employed |  |  |  | 0.17 |  |  | 2 YRS | 4831.09 | 4320.3 | Yes | 15.27 | 39390.3 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | 30 YR FIXED NON-AGENCY ADVANTAGE | 8.75 | 8.75 | 1927.36 | 1927.36 | 529.88 | 2579.24 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 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 | 0.0 | 1295.00 | 1 | 23955 | 190 | 4 | 0.35837180025178345 | 0.17 | No | XXXX | Manual Underwriting | 6194.86 | 8.840 | Yes | No | XXXX | XXXX |  |
|  | xxxxxxx0248 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 620 | 601 | 620 | 632 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 654 | 654 | 652 | 670 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 32.03 | 44.03 | 3060.86 | 1594.38 | .00 | .00 | 4655.24 | Not Employed | Not Employed |  |  |  |  |  |  | 2 YRS | 2605.49 | 2049.75 | Yes | 46.91 | 69947.03 | XXXX | XXXX | 60 | 60 | 60 | XXXX | XXXX | XXXX | Conventional | Fixed | Non-Agency Advantage Tier 2 - 08/21/2022 | 7.875 | 7.875 | 1239.87 | 1239.87 | 251.34 | 1491.2 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 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 | 103185.8 | 6852.50 | 2 | 30245 | 237 | 10 | 0.3265068898469862 | 17 | No | XXXX | Manual Underwriting | 6852.5 | 8.351 | Yes | No | XXXX | XXXX |  |
|  | xxxxxxx0142 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 733 | 730 | 733 | 747 | XXXX | XXXX | 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 | 22.13 | 40.98 | 24930.78 | .00 | .00 | .00 | 24930.78 | Employed |  |  |  | 4.92 |  |  |  | NA | 14707.89 | 10216.89 | Yes | 17.67 | 87414.13 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | Titanium Advantage - 08/21/2022 | 7.375 | 7.375 | 4609.38 | 5180.06 | 337.6 | 4946.98 | XXXX | Fixed | 360 | 480 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 87414.13 | 16295.00 | 2 | 39669 | 276 | 15 | 0.32984607984607983 | 0.83 | No | XXXX | Manual Underwriting | 16295 | 7.571 | No | No | XXXX | XXXX |  |
|  | xxxxxxx0132 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 718 | 665 | 718 | 722 | XXXX | XXXX | 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 | Purchase | NA | 15.19 | 15.59 | 40512.76 | .00 | .00 | .00 | 40512.76 | Employed |  |  |  | 2.66 |  |  |  | NA | 34198.46 | 6314.31 | Yes | 32.85 | 202233.59 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Titanium Advantage - 08/21/2022 | 7.375 | 7.375 | 5111 | 5111.0 | 1044.61 | 6155.61 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 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 | 0.0 | 14245.00 | 1 | 6000 | 58 | 2 | 0.686739430435328 | 2 | No | XXXX | Manual Underwriting | 14245 | 7.596 | Yes | No | XXXX | XXXX |  |
|  | xxxxxxx0130 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 742 | 761 | 742 | 722 | XXXX | XXXX | 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 |  |  |  |  |  |  |  |  | NA |  | 2240 | Yes | 48.38 | 132529.95 | XXXX | XXXX | 68.63 | 68.63 | 68.63 | XXXX | XXXX | XXXX | DSCR | Fixed | Investor Advantage | 7.75 | 7.75 | 2034.38 | 2034.38 | 704.81 | 2739.19 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | 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 | 1 | 132529.95 | 11540.00 | 2 |  | 147 |  |  | 3 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxxx0243 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 750 | 736 | 750 | 761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 749 | 794 | 749 | 740 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NV | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 5.64 | 14.54 | 69297.06 | .00 | .00 | .00 | 69297.06 | Employed | Not Employed |  |  | 14.75 |  |  |  | NA | 59209.15 | 10074.91 | Yes | 23.31 | 91054.94 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Non-Agency Advantage Tier 1 - 08/21/2022 | 6.75 | 6.75 | 3502.43 | 3502.43 | 379.48 | 3906.91 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 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 | 0.0 | 15995.00 | 1 | 47868 | 135 | 5 | 0.16866629464285715 | 2 | No | XXXX | Manual Underwriting | 15995 | 7.046 | No | No | XXXX | XXXX |  |
|  | xxxxxxx0184 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 799 | 781 | 821 | 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 | OR | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 2192.03 | Yes | 68.66 | 239909.1 | XXXX | XXXX | 55.38 | 55.38 | 55.38 | XXXX | XXXX | XXXX | DSCR | Fixed | Titanium Advantage - 08/21/2022 | 7.375 | 7.375 | 2753.33 | 2753.33 | 719.8 | 3494.13 | XXXX | Fixed | 360 | 480 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No |  | Y | 12 | 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 | 0.0 | 6895.00 | 2 |  | 373 |  |  | 41 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxxx0165 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 808 | 809 | 800 | 808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 808 | 808 | 797 | 808 | 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 | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 0 | No | 31.91 | 58368.13 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | Titanium Advantage - 08/21/2022 | 7.125 | 7.125 | 1692.19 | 1692.19 | 0 | 1828.88 | XXXX | Fixed | 360 | 480 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | 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 | 2 | 58368.13 | 8063.75 | 5 | 0 | 241 | 0 |  | 4.58 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxxx0106 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 782 | 784 | 756 | 782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 31.95 | 39.68 | 5187.00 | .00 | .00 | .00 | 5187.00 | Employed |  |  |  | 1.91 |  |  |  | NA | 3128.57 | 2058.44 | Yes | 49.95 | 82789.01 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | Titanium Advantage - 08/21/2022 | 7.75 | 7.75 | 1333.61 | 1333.6 | 323.84 | 1657.45 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 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 | 0.0 | 8275.62 | 1 | 17532 | 88 | 3 | 0.19139705882352942 | 3.08 | No | XXXX | Manual Underwriting | 8275.62 | 8.231 | Yes | No | XXXX | XXXX |  |
|  | xxxxxxx0265 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 765 | 739 | 792 | 765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 812 | 812 | 822 | 807 | 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 | 32.12 | 47.07 | 3658.37 | 6778.34 | .00 | .00 | 10436.71 | Employed | Retired |  |  | 2.42 |  |  |  | NA | 5523.74 | 4912.97 | Yes | 72.88 | 244313.88 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | Titanium Advantage - 08/21/2022 | 7.125 | 7.125 | 2358.01 | 2358.01 | 579.17 | 3352.18 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 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 | 0.0 | 6545.00 | 3 | 1000 | 443 | 1 | 0.087455919395466 | 1.75 | No | XXXX | Manual Underwriting | 6545 | 7.350 | No | No | XXXX | XXXX |  |
|  | xxxxxxx0011 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 745 | 745 | 727 | 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 | UT | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 14.19 | 46.7 | 23626.12 | .00 | .00 | .00 | 23626.12 | Employed |  |  |  | 8.25 |  |  |  | NA | 36706.54 | 11033.91 | Yes | 65.64 | 174658.32 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Titanium Advantage - 08/21/2022 | 7.75 | 7.75 | 2144.17 | 2144.17 | 366.74 | 2660.91 | XXXX | Fixed | 360 | 480 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | 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 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 6690.00 | 5 | 83536 | 198 | 6 | 0.1199047902409997 | 3.0 | No | XXXX | Manual Underwriting | 0 | 0.000 | N/A | No | XXXX | XXXX | No |
|  | xxxxxxx0094 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 741 | 739 | 741 | 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 | WA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 44.84 | 45.34 | 8260.00 | .00 | .00 | .00 | 8260.00 | Employed |  |  |  | 12.25 |  |  |  | NA | 4555.86 | 3745.14 | Yes | 136 | 503772.4 | XXXX | XXXX | 23.81 | 23.81 | 23.81 | XXXX | XXXX | XXXX | Conventional | Fixed | Non-Agency Advantage Tier 1 - 08/21/2022 | 7.25 | 7.25 | 2558.16 | 2558.16 | 1045.98 | 3704.14 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 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 | 359394.04 | 3170.00 | 1 | 100000 | 462 | 5 | 0.028087320978090302 | 0.08 | No | XXXX | Manual Underwriting | 3170 | 7.353 | No | No | XXXX | XXXX |  |
|  | xxxxxxx0245 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 737 | 737 | 773 | 706 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 713 | 713 | 734 | 700 | 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 |  |  |  |  |  |  |  |  | NA |  | 12212 | Yes | 555.52 | 1259006.64 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | Titanium Advantage - 08/21/2022 | 7.5 | 7.5 | 1465.63 | 1465.63 | 763.23 | 2266.36 | XXXX | Fixed | 360 | 480 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | 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 | 2 | 0.0 | 6278.13 | 4 |  | 216 |  |  | 2.41 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxxx1118 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 737 | 737 | 785 | 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 | CA | XXXX | XXXX | Full Doc | Second Home | Purchase | NA | 1.98 | 37.24 | 36315.34 | .00 | .00 | .00 | 36315.34 | Employed |  |  |  | 20 |  |  |  | 2 YRS | 18467.75 | 13523.14 | Yes | 74.71 | 439742.85 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Non-Agency Advantage Tier 1 - 08/21/2022 | 7.375 | 7.375 | 4503.2 | 4503.2 | 1004.96 | 6183.16 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  |  | 0 | No Prepayment Penalty | Retail | 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 | 1 | 0.0 | 4750.00 | 4 | 55890 | 317 | 11 | 0.2669009300255347 | 14.16 | No | XXXX | Manual Underwriting | 4750 | 7.454 | N/A |  | XXXX | XXXX |  |
|  | xxxxxxx0246 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 732 | 732 | 745 | 712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 697 | 686 | 746 | 697 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Full Doc | Investment | Refinance | Cash Out - Other | 15.6 | 20.26 | 25807.06 | 26189.11 | .00 | .00 | 51996.17 | Employed | Employed |  |  | 7.91 | 7.91 |  |  | 2 YRS | 41461.28 | 10534.89 | Yes | 55.55 | 180323.93 | XXXX | XXXX | 64.1 | 64.1 | 64.1 | XXXX | XXXX | XXXX | Conventional | Fixed | Titanium Advantage - 08/21/2022 | 7.75 | 7.75 | 2328.34 | 2328.34 | 450.86 | 3246.2 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No |  | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | VE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 180323.93 | 7795.00 | 2 | 128492 | 189 | 10 | 0.4422529069767442 | 3.16 | No | XXXX | Manual Underwriting | 0 | 0.000 | N/A |  | XXXX | XXXX | No |
|  | xxxxxxx0073 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 651 | 621 | 677 | 651 | XXXX | XXXX | 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 | Refinance | Cash Out - Home Improvement/Reno | 9.84 | 31.46 | 23578.15 | .00 | .00 | .00 | 23578.15 | Employed |  |  |  | 5.75 |  |  |  | NA | 16161.34 | 7416.81 | Yes | 12.3 | 28548.45 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | Non-Agency Advantage Tier 1 - 08/21/2022 | 9.375 | 9.375 | 2183.34 | 2183.34 | 136.91 | 2320.25 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 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 | 28548.45 | 7529.00 | 1 | 57746 | 189 | 28 | 0.9710237426601991 | 0.75 | No | XXXX | Manual Underwriting | 7529 | 9.734 | Yes | No | XXXX | XXXX |  |
|  | xxxxxx5956 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 786 | 766 | 822 | 786 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 801 | 801 | 801 | 812 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NV | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 34.95 | 44.2 | 12771.20 | 12771.20 | .00 | .00 | 25542.40 | Employed | Employed |  |  | 2.88 | 2.88 |  |  | NA | 14252.59 | 11289.81 | Taxes and Insurance | 6.52 | 58177.3 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | Super Kind - Non-QM | 6.625 | 6.625 | 7780.8 | 7780.8 | 1034.9 | 8926.69 | 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 | 0.0 | 35006.36 | 1 | 31121 | 349 | 9 | 0.025915194346289753 | 15.92 | No | XXXX | Manual Underwriting | 0 | 6.947 | No | No | XXXX | XXXX | No |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loan ID | Seller Loan ID | Investor Loan ID | Seller Name | Loan Program | Documentation Type | Executed NOO Docs in File | Lease In Place Flag | Actual In Place Rent | Third Party Market Rent Estimate | Third Party Rent Source | Actual Short Term Rent Amount | Actual Short Term Rent Source | Short Term Rent Number of Months | Short Term Rental Occupancy Factor | Rental Income Used for Property DSCR Calculation | Rental Source for Property DSCR Calculation | DSCR Calculation Based On Short Rental Income Flag | Property DTI | Originator DSCR | TPR DSCR | PITIA | Gross Rental Income Unit 1 | Lease End Date Unit 1 | Lease Term Unit 1 | Gross Rental Income Unit 2 | Lease End Date Unit 2 | Lease Term Unit 2 | Gross Rental Income Unit 3 | Lease End Date Unit 3 | Lease Term Unit 3 | Gross Rental Income Unit 4 | Lease End Date Unit 4 | Lease Term Unit 4 | Gross Rental Income Unit 5 | Lease End Date Unit 5 | Lease Term Unit 5 | Gross Rental Income Unit 6 | Lease End Date Unit 6 | Lease Term Unit 6 | Gross Rental Income Unit 7 | Lease End Date Unit 7 | Lease Term Unit 7 | Gross Rental Income Unit 8+ | Rent Loss Insurance | Rent Loss Insurance Amount | Fee Amount | Acquisition Cost | Renovation Cost | Effective Gross Income | Turnover Costs | Repairs and Maintenance | Marketing and Leasing Costs | Utilities | Other Costs | Cap Ex Reserve | Section 8 | Blanket Mortgage/Cross Collateral Flag | Number of Years Property Owned | Number of Mortgaged Properties With Lender | Number of Properties Securing Loan | Foreign National Alternative Credit Documentation | Months Reserves | Loan Closed in the name of Business Entity | Vested Business Entity Name | Vested Business Entity Type | Qualifying Primary Borrower Type | Qualifying Primary Borrower First Name | Qualifying Primary Borrower Last Name | Qualifying CoBorrower Type | Qualifying CoBorrower First Name | Qualifying CoBorrower Last Name | Qualifying CoBorrower 2 Type | Qualifying CoBorrower 2 First Name | Qualifying CoBorrower 2 Last Name | Qualifying CoBorrower 3 Type | Qualifying CoBorrower 3 First Name | Qualifying CoBorrower 3 Last Name | Non-Qualifying Guarantor 1 First Name | Non-Qualifying Guarantor 1 Last Name | Non-Qualifying Guarantor 1 Citizenship | Non-Qualifying Guarantor 1 Country Name | Non-Qualifying Guarantor 2 First Name | Non-Qualifying Guarantor 2 Last Name | Non-Qualifying Guarantor 2 Citizenship | Non-Qualifying Guarantor 2 Country Name | Personal Guaranty | Total Number of Guarantors | Personal Guaranty Recourse Level | Business Entity EIN | Primary Appraisal Occupancy |
| xxxxxxx0003 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1800 | Appraisal - 1007 |  |  |  |  | 1800 | Appraisal - 1007 | No | 94.01 | 1.06 | 1.06 | 1692.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15000 |  |  |  |  |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 214.9 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Vacant |
| xxxxxxx0168 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3900 | Appraisal - 1007 |  |  |  |  | 3900 | Appraisal - 1007 | No | 117.67 | 0.85 | 0.85 | 4589.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  |  |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 24.13 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Vacant |
| xxxxxxx0130 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2800 | Appraisal - 1007 |  |  |  |  | 2800 | Appraisal - 1007 | No | 97.83 | 1.02 | 1.02 | 2739.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26000 |  |  |  |  |  |  |  |  |  |  | No | No | 12.4 | 1 | 1 | N/A | 48.38 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Tenant |
| xxxxxxx0184 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3900 | Appraisal - 1007 |  |  |  |  | 3900 | Appraisal - 1007 | No | 89.59 | 1.12 | 1.12 | 3494.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 85600 |  |  |  |  |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 68.66 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Owner |
| xxxxxxx0165 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2200 | Appraisal - 1007 |  |  |  |  | 2200 | Appraisal - 1007 | No | 83.13 | 1.2 | 1.2 | 1828.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26400 |  | 210500 |  |  |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 31.91 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 2 |  | XXXX | Vacant |
| xxxxxxx0011 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 2600 | Appraisal - 1007 |  |  |  |  | 2600 | Appraisal - 1007 | No | 102.34 |  | 0 | 2660.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20000 |  |  |  |  |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 65.64 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Vacant |
| xxxxxxx0245 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2400 | Appraisal - 1007 |  |  |  |  | 2400 | Appraisal - 1007 | No | 94.43 | 1.06 | 1.06 | 2266.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 31900 |  |  |  |  |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 555.52 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 2 |  | XXXX | Owner |
| xxxxxxx0246 | XXXX | XXXX | XXXX | XXXX | Full Doc | Present | No | 0 | 3848 | Appraisal - 1007 |  |  |  |  | 3848 | Appraisal - 1007 | No | 84.36 |  | 0 | 3246.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21600 |  |  |  |  |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 55.55 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 2 |  | XXXX | Owner |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| xxxxxxx0003 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxxx0003 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxxx0003 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxxx0003 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxxx0116 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxxx0116 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxxx0168 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| xxxxxxx0168 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxxx0168 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxxx0168 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxxx0213 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxxx0145 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxxx0088 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| xxxxxxx0088 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxxx0248 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxxx0142 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxxx0142 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxxx0132 |  |  | XXXX | XXXX | bridgeApplicationPage | XXXX | XXXX | XXXX |
| xxxxxxx0130 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxxx0130 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxxx0243 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxxx0184 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxxx0184 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxxx0165 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxxx0165 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxxx0106 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxxx0106 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxxx0265 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| xxxxxxx0265 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxxx0011 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxxx0011 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxxx0245 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxxx0245 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxxx0245 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxxx1118 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxxx1118 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxxx1118 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxxx0246 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxxx0246 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxxx0073 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx5956 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx5956 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx5956 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx5956 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |

---

## Exhibit 99.3

**Exhibit 99.3**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on residential mortgage loans acquired by Santander Bank, N.A. through a bulk purchase. The review included a total of 291 newly originated residential mortgage loans acquired through a bulk purchase in connection with the securitization identified as SAN 2026-NQMS1 (the "Securitization"). The Review was conducted from June 2022 through May 2025 on mortgage loans originated between June 2022 and April 2025.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. QM or ATR Validation / Review of 8 Key Underwriting Factors

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

&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

&nbsp;&nbsp;&nbsp;&nbsp;b. Validate loan-to-value (LTV) and combined loan-to-value

&nbsp;&nbsp;&nbsp;&nbsp;c. Review borrower's occupancy

&nbsp;&nbsp;&nbsp;&nbsp;d. Validation through third party resource of the subject properties most recent twelve (12) month sales
history

&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm sufficient evidence in loan file, by reviewing the underwriter's decision to approve the
loan based upon the borrows income, debt, and credit history, to support borrower's willingness and ability to repay the debt

&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm that Final 1003 is sufficiently completed

&nbsp;&nbsp;&nbsp;&nbsp;g. Provide Audit 1008 with accurate data based on file documentation

&nbsp;&nbsp;&nbsp;&nbsp;h. Confirm Loan Approval conditions were met

&nbsp;&nbsp;&nbsp;&nbsp;i. Review condominium questionnaire to verify all information is complete, prepared by an authorized representative,
and address any red flags that may deem condominium project ineligible

&nbsp;&nbsp;&nbsp;&nbsp;j. General QM for any loans originated under the GQM Rule

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing for First Lien Loans:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing for Subordinate Lien Loans:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing for Manufactured Homes:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;i. Notice of Right to Cancel (Rescission) Review

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (291 loans in total):

One hundred ninety-four (194) loans had CU scores of 2.5 or less or were eligible for Collateral Rep and Warranty relief.

Thirteen (13) loans had a Secondary Appraisal, eighteen (18) loans had an AVM, and ninety-two (92) loans had Desktop Reviews. 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 was completed. There were six (6) occurrences of this.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the two hundred ninety-one (291) mortgage loans reviewed, ten (10) unique mortgage loans (3.44% by loan count) had a total of ten (10) discrepancies across three (3) 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;Original_Collateral_Value | &nbsp;&nbsp;7 | &nbsp;&nbsp;70.00% |
| &nbsp;&nbsp;Sales_Price | &nbsp;&nbsp;2 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

**Overall Loan Results:**

---

| | | | |
|:---|:---|:---|:---|
| Event Grade | Loan Count | Original Principal Balance | Percent of <br> Sample |
| Event Grade A | 168 | $79663363.00 | 57.73% |
| Event Grade B | 123 | $63391637.00 | 42.27% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 291 | $143055000.00 | 100.00% |

---

**Credit Results:**

---

| | | |
|:---|:---|:---|
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 227 | 78.01% |
| Event Grade B | 64 | 21.99% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 291 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 217 | 74.57% |
| Event Grade B | 74 | 25.43% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 291 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 283 | 97.25% |
| Event Grade B | 8 | 2.41% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 291 | 100.00% |

---

**Exception Category Summary**

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

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception<br> Type | &nbsp;&nbsp;Exception <br> Level <br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;134 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;All Interested Parties Not Checked with Exclusionary Lists | &nbsp;&nbsp;25 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Coverage is Not Sufficient. | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Income Verification does not match Approval | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Final Loan Application is Partial | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing history does not meet guidelines | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Documents are Incomplete | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Employment Verification does not meet guidelines | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Income Verification is less than 12 months | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;All Interested Parties Not Checked against Exclusionary Lists | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Transmittal Summary is Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Liabilities Verification Indicator is Partial | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Note Date | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Policy is Partial | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Underwriting LTV exceeds Guideline Maximum Allowable | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Underwriting CLTV exceeds Guideline Maximum Allowable | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualifying DTI exceeds Guideline Maximum Allowable | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower residency documentation not provided or issue with documentation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Non-US Citizen Identification Document Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fully Executed Purchase Contract is Partial | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 Income Verification is less than 12 months | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report is Only Partially Available | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Liquid Reserves are less than Guidelines Required | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard insurance dwelling coverage is not sufficient | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Approval/Underwriting Summary Partially Provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Underwriting FICO does not meet Guideline Minimum Required | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Payment shock exceeds lender guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Citizenship Documentation not provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 2 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Indicator is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Note is not executed by all borrowers | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Credit Report is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Property is located in a FEMA disaster area | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Initial 1003 is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;DSCR is less than guideline minimum | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Transmittal Summary is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Insufficient cash to close. | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Note Document Indicator is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Final Loan Application is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Partial Bankruptcy documentation provided. | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Final Loan Application is Not Executed | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Prepayment Penalty Indicator is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Income - Bank Statements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Lease Agreement | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Rent Loss Insurance Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Letter of Explanation (Income) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal date is greater than 120 days from Origination date. | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Business Purpose Affidavit/Disclosure Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Note Document Indicator is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Minimum Trade Line Requirement Not Met | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**304** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Underwriting LTV exceeds Guideline Maximum Allowable | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Housing history does not meet guidelines | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Underwriting CLTV exceeds Guideline Maximum Allowable | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Minimum Trade Line Requirement Not Met | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;DSCR is less than guideline minimum | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Transmittal Summary is Partial | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Payment shock exceeds lender guidelines | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower Liabilities Verification Indicator is Partial | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Underwriting FICO does not meet Guideline Minimum Required | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Qualifying DTI exceeds Guideline Maximum Allowable | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower Income Verification does not match Approval | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Cash to Borrower Exceeds Maximum Allowable | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan amount is less than the minimum required loan amount | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Overdraft/NSF Count Exceeds Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Loan Amount is less than Guideline Minimum Loan Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower 1 Credit Report is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Liquid Reserves are less than Guidelines Required | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Condominium Project is Non-Warrantable | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan amount is greater than the maximum loan amount allowed per guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Final Loan Application is Not Executed | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;CoBorrower Liabilities Verified Indicator is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Loan Amount is greater than Guideline Maximum Loan Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Taxpayer First Act Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;**94** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;193 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Reimbursement Amount Test | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID Monitor Timing of Disclosures Finding | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Consummation or Reimbursement Date Validation Test | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TX Constitution A6 Required Fees Test | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID Total of Payments Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Affiliated Business Disclosure is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;The file does not contain any copies of the Closing Disclosure(s). Unable to test for TRID tolerance. | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Security Instrument Indicator is Partial | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Intent to Proceed is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Mortgage not recorded | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Tex. Const. art. XVI § 50(f)(2) - Texas F2 Notice for Non Home Equity was not provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID Post-Consummation Reason for Redisclosure Validation Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Appraiser License Status Alert (12 CFR 1026.35(c)(1)) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Security Instrument Indicator is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CT NPHLA Average Prime Offer Rate APR Threshold | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA APR Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;DTI Provided Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID "Section A. Origination Charges" Validation Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Nonprime Home Loan (Oct. 1 2009 and after) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;MD Credit Regulations Mortgage Loan DTI Provided Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Loan Estimate Delivery Date Test (from application) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Originator NMLS is Not Active | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualified Mortgage Balloon Payment Loan | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Late Fees Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualified Mortgage Safe Harbor Threshold | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Right of Rescission Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Homeownership Counseling Disclosure is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;High-Cost Mortgage Date the Rate Was Set Validation Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CT Average Prime Offer Rate APR Threshold | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender NMLS Status is Not Active | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Revised Closing Disclosure Waiting Period Required Finding | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Revised Loan Estimate Delivery Date Test (prior to consummation) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;NC RSHL Average Prime Offer Rate APR Threshold Exceeded | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**316** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Higher-Priced Mortgage Loan | &nbsp;&nbsp;70 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Late Fees Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;NC Rate Spread Home Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Brokerage/Finder Fee Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Affiliated Business Disclosure is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;**79** |

---

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product not Provided | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product not Provided. | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Is Completion Certificate in file is No | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal guideline violation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Desk Review variance to appraised value exceeds 10% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;UCDP Summary Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraiser's License was Inactive at time of origination | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Was lowest appraised value used to qualify is No | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Origination Appraisal is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal is Expired | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**124** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal guideline violation | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Third Party Desk Review variance to appraised value exceeds 10% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Title Issues Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;HOA Does Not Meet Guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;**8** |

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**Event Grade Definitions**

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

---

---

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

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| 9006528 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | 2543 | Credit | Appraisal date is greater than 120 days from Origination date. | Appraisal dated XX/XX/XXXX is greater than XXX days from Note date of XX/XX/XXXX. | Change status of 'Appraisal date is greater than XXX days from Origination date.' from Active to Open Rebuttal.; Updating date with Appraisal Completion date. The report shows no changes - exception cleared. | 09/07/2022 | Appraisal date is within XXX days of Note date. | 09/07/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006528 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML loan with established escrow and appraisal received |  |  | HPML Compliant | 08/31/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006528 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX% |  |  | Third Party Valuation Product Provided | 09/09/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006528 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 09/09/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML Loan with established escrows and appraisal requirements have been met. |  |  | HPML Compliant | 08/27/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years |
| 9006548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Acknowledged | 2578 | Credit | Housing history does not meet guidelines | Housing history does not meet guideline. Investor guidelines require the most recent XXX months housing history to be verified. The file is missing housing history. ; Missing VOR or XXX months history canceled rent checks. | Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.; Received CRSE : Exception Type:Credit-Payment History (Housing). Guidelines - 12m housing history required. Actual - XXX months history verified. Rational - Borrower has solid history of mainting and manageing multiple REO's. Reserves validated with XXX months. Compensating Factors : XXX% (housing) // XXX% (Total); Reserves of XXX; Qualifying LVT is XXX. Acknowledged by client. | 09/15/2022 |  | 09/15/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years |
| 9006548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Acknowledged | 2460 | Property | Third Party Desk Review variance to appraised value exceeds 10% | Third party Desk Review variance of XXX exceeds XXX% maximum allowed. | Change status of 'Third Party Desk Review variance to appraised value exceeds XXX%' from Active to Acknowledged by Client.; Received CRSE - Property-Appraisal Review. Guideline - CDA requirement ok at XXX% under value. Actual - CDA XXX short of min XXX% requirement. Rationale - Prop appraised for XXX CDA in at XXX + XXX% is XXX less XXX LtV is still less than XXX% with XXX CDA value. Compensating Factors : XXX% (housing) // XXX% (Total); Reserves of XXX; Qualifying LVT is XXX. Acknowledged by client. | 09/15/2022 |  | 09/15/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years |
| 9006688 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML with established escrows and appraisal requirements met.; non material, escrows and evidence of receipt of appraisal in file. P XXX and final CD. |  |  | HPML Compliant | 09/08/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006688 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/31/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006688 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | -99290 | Compliance | TX Constitution A6 Required Fees Test | This loan failed the required fees test. (XXX Constitution, Article 16, Section 50 (a)(6)(E) & (t)(4), as amended Jan. 2018)The loan requires the borrower(s) to pay, in addition to interest, fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that exceed 2% of the original principal amount, excluding fees for:An appraisal performed by a third party appraiser;A property survey performed by a state registered or licensed surveyor;A state base premium for a mortgagee policy of title insurance with endorsements established in accordance with state law, or a title examination report if its cost is less than the state base premium for a mortgagee policy of title insurance without endorsements established in accordance with state law. |  |  | This loan passed the required fees test. (XXX Constitution, Article XXX Section XXX (a)(XXX)(E) & (t)(XXX), as amended Jan. XXX he loan requires the borrower(s) to pay, in addition to interest or any bona fide discount points used to buy down the interest rate, any fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that do not exceed XXX% of the original XXX amount, excluding fees for:An appraisal performed by a third party appraiser;A property survey performed by a State registered or licensed surveyor;A State base premium for a mortgagee policy of title insurance with endorsements established in accordance with State law, or a title examination report if its cost is less than the State base premium for a mortgagee policy of title insurance without endorsements established in accordance with State law. | 09/08/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006690 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/29/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006690 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/29/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006849 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/26/2022 | Acknowledged | 897 | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX. | Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.; Per CRSE - Exception Type:LTV. Guidelines - Loan Purpose: Cash Out, Maximum LTV; XXX% Minimum Credit Score: XXX; Actual - XXX. Rationale - delayed financing - max LTV 80%. Compensating Factors : Verified Reserves are XXX; 0x30-last XXX months. Acknowledged by client. | 08/29/2022 |  | 08/29/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. C B A |
| 9006849 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/26/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/26/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. C B A |
| 9006849 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/26/2022 | Acknowledged | 896 | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXX and value used for LTV of XXX.; Guidelines State that cash out for DSCR loan must have a LTV at XXX% or under. CRS on page XXX Cites this exception and approval | Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.; Per CRSE - Exception Type:LTV. Guidelines - Loan Purpose: Cash Out, Maximum LTV; XXX% Minimum Credit Score: XXX; Actual - XXX. Rationale - delayed financing - max LTV 80%. Compensating Factors : Verified Reserves are XXX; 0x30-last XXX months. Acknowledged by client. | 08/29/2022 |  | 08/29/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. C B A |
| 9006773 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/27/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/27/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. D B A |
| 9006773 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Acknowledged | 1246 | Credit | Transmittal Summary is Partial | Client entered an exception for receiving more than XXX cash back. based on max of XXX in XXX. Lender exception was granted on XX/XX/XXXX BY XXX XXX XXX | Change status of 'Transmittal Summary is Partial' from Active to Acknowledged by Client.; Client entered an exception for receiving more than XXX cash back. based on max of XXX in DG. Lender exception was granted on XX/XX/XXXX BY XXX XXXXX P XXX | 08/30/2022 |  | 08/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. D B A |
| 9006773 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/26/2022 | Acknowledged | 2578 | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. | ; Housing history does not meet guidelines. Excecption given for primary residence owned free and clear based on Verified reserves of XXX | 08/30/2022 |  | 08/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. D B A |
| 9006773 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/27/2022 | Cleared | 2427 | Credit | Fraud Report Shows Uncleared Alerts | Fraud report shows the following alerts that have not been cleared: Need proof XXX loan number XXX has been cancelled. | Change status of 'Fraud Report Shows Uncleared Alerts' from Active to Open Rebuttal.; Received Statement of Credit Denial, Termination, or Change form showing previous application was cancelled. Exception cleared. | 09/06/2022 | Alerts from Fraud Report have been cleared. | 09/06/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. D B A |
| 9006774 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/27/2022 | Cleared | 1276 | Property | Is Completion Certificate in file is No | The appraisal was completed "Subject To" however, the file is missing the Completion Certificate. | Change status of 'Is Completion Certificate in file is No' from Active to Open Rebuttal.; Received copy of Appraisal Update and/or Completion Report dated XX/XX/XXXX. Updating loan accordingly. | 09/09/2022 | The Completion Certificate is Yes | 09/09/2022 | C A |
| 9006774 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/27/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/27/2022 | C A |
| 9006515 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX; Requiring secondary valuation | Change status of 'Third Party Valuation Product Not Provided and CU Score is Greater Than XXX' from Active to Revoked.; Per Lender Guidelines, XXX loan amount is less than $XXX. Exception Cleared. | 09/07/2022 | Third Party Valuation Product Provided. | 09/09/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX B A |
| 9006515 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML exception downgraded to B. Borrower was provided copy of Appraisal, received Right to Appraisal doc and IEAD set up; HPML loan with established escrow and appraisal received |  |  | HPML Compliant | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX B A |
| 9006515 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Cleared | 3437 | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible.; Requiring secondary valuation | Change status of 'Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable.' from Active to Revoked.; Per Lender Guidelines, XXX loan amount is less than $XXX. Exception Cleared. | 09/07/2022 | Third Party Valuation Product Provided. | 09/09/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX B A |
| 9006515 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Acknowledged | 2578 | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines.; Five month mortgage history for current loan on subj prop not in loan file. Single billing Statement found in file. | Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.; Received CRSE - Credit:Housing history requirement not met. Actual - XXX months. Comments - Bwr has been residing at resident XXX months. Mtg History doesn't meet guidelines. Compensating Factors : DTI - XXX% (Housing Ratio) or XXX% (Total); Residual Income of $XXX; Borrower with same Employer/Business for XXX years. Acknowledged by client | 09/07/2022 |  | 09/07/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX B A |
| 9007188 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9007188 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006669 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/31/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006669 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/31/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006725 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/26/2022 | Acknowledged | 3416 | Credit | Loan amount is greater than the maximum loan amount allowed per guidelines | Loan amount of XXX is greater than the maximum loan amount allowed per guidelines of XXX. | Change status of 'Loan amount is greater than the maximum loan amount allowed per guidelines' from Active to Acknowledged by Client.; Received CRSE - Exception Type:Loan Amount. Guideline - Loan Amount: $75k-$XXX million - HALO; Actual - Loan Amount: XXX Rationale - N/A Exception for loan amount to 2M due to compensating factors. Compensating Factors : Verified reseves are XXX; Qualifying LTV is XXX. Acknowledged by client. | 09/07/2022 |  | 09/07/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006725 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/01/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006725 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX.; R&W Eligible; No Secondary Valuation required |  |  | Third Party Valuation Product Provided. | 09/02/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006640 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XXX is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | Change status of 'Reimbursement Amount Test' from Cleared to Revoked.; cleared | 08/30/2022 | This loan passed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XXX is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | 09/23/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006640 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | -96348 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Change status of 'Lender Credits That Cannot Decrease Test' from Cleared to Revoked.; cleared | 08/30/2022 | This loan passed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains lender credits that do not exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX exceeds or equals 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 n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | 09/23/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006640 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | -96346 | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding his loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report hile creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | Change status of 'TRID Monitor Timing of Disclosures Finding' from Active to Revoked.; duplicate finding. | 08/30/2022 | TRID Monitor Timing of Disclosures Finding his loan contains disclosures that do not fail one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report hile creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | 09/23/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006640 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Acknowledged | 897 | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX. | Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.; Client provided a guideline exception allowing for cash out over $XXX with 70% LTV. Max LTV is 60%. Exception based on max strong credit, low DTI. FICO XXX residual income XXX DTI XXX%. | 08/29/2022 |  | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006640 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML with established escrows and appraisal requirements met |  |  | HPML Compliant | 09/23/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006640 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Acknowledged | 896 | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXX and value used for LTV of XXX | Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.; Client provided a guideline exception allowing for cash out over $500k with 70% LTV. Max LTV is 60%. Exception based on max strong credit, low DTI. FICO XXX residual income XXX DTI XXX%. | 08/29/2022 |  | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006640 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | -96458 | Compliance | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §XXX(f)(XXX)(ii) he revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction hanges before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §XXX(o)(XXX) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §XXX(a)(XXX)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the Statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate he creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. |  |  | This loan passed the revised closing disclosure delivery date test (waiting period required).(12 CFR §XXX(f)(XXX)(ii) he revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is not less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction hanges before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §XXX(o)(XXX) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §XXX(a)(XXX)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the Statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate he creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. | 09/23/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006517 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Acknowledged | -97142 | Compliance | CT NPHLA Average Prime Offer Rate APR Threshold | This loan exceeded the average prime offer rate APR threshold. (CT SB XXX §XXX(a)(XXX)(F)(ii) he loan is a first lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; The loan is a first lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more |  |  | HPML Compliant | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006517 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Acknowledged | -97141 | Compliance | Nonprime Home Loan (Oct. 1 2009 and after) | Nonprime Home Loan (CT ST §36a-XXX(a)(XXX) he loan is a nonprime home loan, as defined in the legislation, due to all of the following findings:The loan meets or exceeds the average prime offer rate APR threshold;The proceeds of the loan are to be used primarily for personal family or household purposes;The loan is secured by a mortgage upon an interest in one-to-four family residential property;The property is intended to be used or occupied by the borrower as a XXX residence; andThe loan amount is less than or equal to XXX |  |  | Non-material | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006517 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML Loan with established escrow and appraisal received |  |  | HPML Compliant | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006517 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Acknowledged | -96416 | Compliance | CT Average Prime Offer Rate APR Threshold | This loan exceeded the average prime offer rate APR threshold. (CT SB XXX §XXX(a)(XXX)(F)(ii) he loan is a first lien and the greater of the disclosed APR and the calculated APR, exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the greater of the disclosed APR and the calculated APR, exceeds the Average Prime Offer Rate XXX% by XXX% or more.; The loan is a first lien and the greater of the disclosed APR and the calculated APR, exceeds the Average Prime Offer Rate XXX% by XXX% or more. |  |  | HPML Compliant | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006517 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/31/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006508 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML loan with established esccrow and appraisal received |  |  | HPML Compliant | 09/08/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006508 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 2571 | Credit | Final Loan Application is Partial | Final Loan Application is Partial; Final 1003 States Borrower is a XXX, however Permanent Resident card provided (expires XXX) and Social security card States valid for work only. |  |  | Final Loan Application is XXX | 09/09/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006508 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 3424 | Credit | Partial Bankruptcy documentation provided. |  |  |  | Complete Bankruptcy documentation provided. | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006508 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX., Secondary valuation needed | Change status of 'Third Party Valuation Product Not Provided and CU Score is Greater Than XXX' from Active to Open Rebuttal.; Received CDA - updating loan accordingly. | 09/09/2022 | Third Party Valuation Product Provided. | 09/09/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006508 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 3437 | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. Secondary valuation needed | Change status of 'Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable.' from Active to Open Rebuttal.; Received CDA - updating loan accordingly. | 09/09/2022 | Third Party Valuation Product Provided. | 09/09/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006508 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | -97373 | Compliance | DTI Provided Test | This loan failed the DTI provided test. (XXX Pa. Code §XXX(XXX)(g)) This loan did not provide the debt-to-income ratio. In performing an analysis to determine whether an applicant will have the ability to repay an offered loan, a licensee must consider, verify and document the fixed expenses of the applicant. |  |  | This loan passed the DTI provided test. (XXX Pa. Code §XXX(XXX)(g)) This loan provided the debt-to-income ratio. In performing an analysis to determine whether an applicant will have the ability to repay an offered loan, a licensee must consider, verify and document the fixed expenses of the applicant. | 09/08/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006621 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML Loan with established escrow and appraisal received |  |  | HPML Compliant | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006621 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006768 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/31/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006768 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/31/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006616 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006616 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006750 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML loan with established escrow and appraisal received |  |  | HPML Compliant | 08/26/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006750 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/30/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006601 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/29/2022 | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. Loan approved as a XXX month Personal Bank Statement Program with B! as the Primary Wage Earner. No evidence in file that B1 is on the Business Bank Statements from B2 Business. ; Loan approved as XXX month Personal Bank Statements. No documentation in file to support approval. !XXX months Business Bank Statements for B2 in file only. | Change status of 'Borrower Income Verification does not match Approval' from Active to Open Rebuttal.; Received LOX - CoBorrower's Income (Bank Statements) used for income calculation. Exception cleared. ; Loan approved as XXX month Personal Bank Statements. No documentation in file to support approval. !XXX months Business Bank Statements for B2 in file only. | 09/14/2022 | The borrower income verification does match approval; The borrower income verification does match approval | 09/14/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006601 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/27/2022 | Cleared | 2587 | Credit | Borrower Income Verification is less than 12 months | Borrower Income Verification of XX/XX/XXXX is less than XXX months.; No income Verification in file | Change status of 'Borrower Income Verification is less than XXX months' from Active to Open Rebuttal.; Borrower's Income is not being used for loan. Removing XXX to clear exception. | 09/14/2022 |  | 09/14/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006601 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/26/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML loan with established escrow and appraisal received |  |  | HPML Compliant | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006848 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/29/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. A |
| 9006848 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/29/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. A |
| 9006645 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 2213 | Property | Third Party Valuation Product not Provided. | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX% |  |  | Third Party Valuation Product Provided | 09/09/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006645 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006645 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/27/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006807 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/29/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006807 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Acknowledged | 2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. | Change status of 'DSCR is less than guideline minimum' from Active to Acknowledged by Client.; Client provided a guideline exception allowing for loan amount less than $100k actual loan XXX at 75% LTV. Comp factors: Verified reserves are XXX XXX last XXX months, Fico XXX | 08/29/2022 |  | 08/29/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006703 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | -96346 | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding his loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report hile creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. |  |  | TRID Monitor Timing of Disclosures Finding his loan contains disclosures that do not fail one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report hile creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | 09/01/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 9006703 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | -96474 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. |  |  | This loan passed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is not less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is not less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is not less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. | 09/01/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 9006703 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). |  |  | This loan passed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i) lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §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). | 09/01/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 9006703 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Acknowledged | 897 | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX.; Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX for a Cash Out Refinance with a XXX FICO. | Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.; Received CRSE - Exception Type:Program-Ltv. Guideline - XXX%; Actual XXX% Rationale - ok with LTV and credit score since borrower loan amount is XXX and cash out is under $300k max for score. Compensating Factors : Borr with employer for XXX years; Reserves of XXX Months. Acknowledged by client. | 09/07/2022 |  | 09/07/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 9006703 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | -96468 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. |  |  | This loan passed the initial closing disclosure delivery date test.(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is not less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction he creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | 09/01/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 9006703 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Acknowledged | 896 | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXX and value used for LTV of XXX.; Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX for a Cash Out Refinance with a XXX FICO. | Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.; Received CRSE - Exception Type:Program-Ltv. Guideline - XXX%; Actual XXX% Rationale - ok with LTV and credit score since borrower loan amount is XXX and cash out is under $300k max for score. Compensating Factors : Borr with employer for XXX years; Reserves of XXX Months. Acknowledged by client. | 09/07/2022 |  | 09/07/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 9006703 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML with established escrows and appraisal requirements met. |  |  | HPML Compliant | 08/26/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 9006781 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 2588 | Credit | Borrower 2 Income Verification is less than 12 months |  |  |  | Borrower 2 Income Verification of ___ is greater than XXX months. | 09/02/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006781 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006781 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 1311 | Compliance | The file does not contain any copies of the Closing Disclosure(s). Unable to test for TRID tolerance. | The file does not contain any copies of the Closing Disclosure(s). Unable to test for TRID tolerance.; TRID not being tested but need at least one copy of the Closing Disclosure. | Change status of 'The file does not contain any copies of the Closing Disclosure(s). Unable to test for TRID tolerance.' from Active to Open Rebuttal.; Received copy of CD dated XX/XX/XXXX. Exception cleared. ; TRID not being tested but need at least one copy of the Closing Disclosure. | 09/08/2022 | The file contains at least one copy of a Closing Disclosure. | 09/08/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006781 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006706 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/31/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006706 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/26/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006732 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 09/09/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006732 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML Loan with established escrows and appraisal received, downgraded to a B. |  |  | HPML Compliant | 08/26/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006732 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/28/2022 | Cleared | 3437 | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  |  | Third Party Valuation Product Provided. | 09/09/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML Loan with established escrows and appraisal received, downgraded to a B. |  |  | HPML Compliant | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/27/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006826 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/29/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006826 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/29/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9007189 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/29/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years C A |
| 9007189 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/26/2022 | Cleared | 1276 | Property | Is Completion Certificate in file is No | The appraisal was completed "Subject To" however, the file is missing the Completion Certificate. | Change status of 'Is Completion Certificate in file is No' from Active to Open Rebuttal.; Received Appraisal Update/Completion dated XX/XX/XXXX. Exception cleared. | 09/22/2022 | The Completion Certificate is Yes | 09/22/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years C A |
| 9007143 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/31/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9007143 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 2110 | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XXX exceeds guideline maximum of XXX.; Qualifying DTI of XXX exceeds guideline maximum of XXX.; Coborrower calculated income is lower than what the lender used, causing the DTI to be higher than the max allowed. |  |  | Documentation provided to support Qualifying DTI below XXX.; Documentation provided to support Qualifying DTI below XXX. | 09/08/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9007143 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | -99290 | Compliance | TX Constitution A6 Required Fees Test | This loan failed the required fees test. (XXX Constitution, Article XXX Section XXX (a)(XXX)(E) & (t)(XXX), as amended Jan. XXX he loan requires the borrower(s) to pay, in addition to interest, fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that exceed XXX% of the original XXX amount, excluding fees for:An appraisal performed by a third party appraiser;A property survey performed by a State registered or licensed surveyor;A State base premium for a mortgagee policy of title insurance with endorsements established in accordance with State law, or a title examination report if its cost is less than the State base premium for a mortgagee policy of title insurance without endorsements established in accordance with State law. |  |  | This loan passed the required fees test. (XXX Constitution, Article XXX Section XXX (a)(XXX)(E) & (t)(XXX), as amended Jan. XXX he loan requires the borrower(s) to pay, in addition to interest or any bona fide discount points used to buy down the interest rate, any fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that do not exceed XXX% of the original XXX amount, excluding fees for:An appraisal performed by a third party appraiser;A property survey performed by a State registered or licensed surveyor;A State base premium for a mortgagee policy of title insurance with endorsements established in accordance with State law, or a title examination report if its cost is less than the State base premium for a mortgagee policy of title insurance without endorsements established in accordance with State law. | 10/12/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006648 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; Escrow account established and appraisal receipt acknowledged within XXX days.; HPML Loan with established escrows and appraisal received, downgraded to a B. |  |  | HPML Compliant | 09/02/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006648 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006562 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 397 | Credit | Note Document Indicator is Partial | Note document indicator is Partial; Subject loan does not meet Seasoning requirements. Subject Property purchased XXX XXX | Change status of 'Note Document Indicator is Partial' from Active to Open Rebuttal.; Received LOX with corresponding documents. "This is delayed financing so it does meet our program criteria. (Delayed financing CD XX/XX/XXXX SP XXX EMD XXX due from buyer XXX No Mtg all cash at original purchase). Reviewing documentation - confirmed. Exception cleared. ; Subject loan does not meet Seasoning requirements. Subject Property purchased XXX XXX | 09/07/2022 | Note document indicator is XXX | 09/07/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006562 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Acknowledged | -96648 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.; HPML with established escrows and appraisal requirements met. |  |  | HPML Compliant | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9007510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/27/2022 | Cleared | 3557 | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided.; Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided.; Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. | Change status of 'Hazard Insurance Coverage is Not Sufficient.' from Active to Open Rebuttal.; The State of Florida enacted a statue effective XX/XX/XXXX that does not allow the insurance company to disclose guranteed replacement coverage or the replacement cost estimator. Exception cleared. ; Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. | 09/13/2022 | Hazard insurance coverage is sufficient. | 09/13/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9007510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/26/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML loan with established escrows and appraisal received.. Downgraded to a B. |  |  | HPML Compliant | 08/26/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9007510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 09/02/2022 | Acknowledged | 2110 | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XXX exceeds guideline maximum of XXX.; Final DTI is XXX% due to lender using XXX vs XXX for student loan payment. Audit also used credit comparison page XXX | Change status of 'Qualifying DTI exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.; Updated CRSE received - DTI>maximum allowed. Exception - Qualifying DTI of XXX exceeds guideline maximim of XXX. Compensating Factors : Qualifying Credit Score is XXX; Additional income not used. Acknowledged by client. | 09/06/2022 |  | 09/06/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9007510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/27/2022 | Cleared | 1257 | Credit | Borrower Employment Verification does not meet guidelines | File is missing VVOE for Borrower's wage income from employer - XXX. | Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Open Rebuttal.; Received copy of VOE dated XX/XX/XXXX confirming borrower was XXX at the time of application/closing and remains XXX. Exception cleared. | 09/06/2022 | Received copy of VOE dated XX/XX/XXXX confirming borrower was XXX at the time of application/closing and remains XXX. Exception cleared. | 09/06/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. The bank Statement questionnaire was not signed. | Change status of 'Borrower Income Verification does not match Approval' from Active to Open Rebuttal.; Received copy of signed Business Questionnaire dated XX/XX/XXXX. Exception cleared. | 09/07/2022 | The borrower income verification does match approval | 09/07/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9007095 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | 1462 | Credit | Liquid Reserves are less than Guidelines Required | The liquid reserves of XXX months or XXX are less than the Guidelines minimum required of XX/XX/XXXX or $XXX. | Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Open Rebuttal.; Copy of bank Statement dated XX/XX/XXXX located showing Acct. XXX with a balance of XXX (matching the 1003). Updating loan accordingly. | 09/22/2022 | The liquid reserves of XXX months or XXX is greater than or equal to the Guidelines minimum required of XX/XX/XXXX or $XXX. | 09/22/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9007095 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Cleared | -96368 | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test he loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. | Change status of 'Consummation or Reimbursement Date Validation Test' from Active to Open Rebuttal.; Received PCCD documents with copy of refund check in the amount of $XXX. Updating loan accordingly. | 09/26/2022 | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 09/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9007095 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Cleared | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; The zero tolerance violation in the amount of XXX is due to an increase in Discount Points and XXX Residential Mortgage Fee on the Final CD; Need evidence of COC, PCCD or refund check to borrower in the amount of $XXX. | Change status of 'Charges That Cannot Increase Test' from Active to Open Rebuttal.; Received PCCD documents with copy of refund check in the amount of $XXX. Updating loan accordingly. ; The zero tolerance violation in the amount of XXX is due to an increase in Discount Points and XXX Residential Mortgage Fee on the Final CD; Need evidence of COC, PCCD or refund check to borrower in the amount of $XXX. | 09/26/2022 | This loan passed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i) lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §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). | 09/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9007095 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Cleared | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XXX is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | Change status of 'Reimbursement Amount Test' from Active to Open Rebuttal.; Received PCCD documents with copy of refund check in the amount of $XXX. Updating loan accordingly. | 09/26/2022 | This loan passed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XXX is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | 09/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9007095 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | 2095 | Credit | Insufficient cash to close. | Cash to close in the amount of XXX is greater than the available asset amount of XXX. | Change status of 'Insufficient cash to close.' from Active to Open Rebuttal.; Copy of bank Statement dated XX/XX/XXXX located showing Acct. XXX with a balance of XXX (matching the 1003). Updating loan accordingly. | 09/22/2022 | Sufficient cash to close is documented. | 09/22/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9007095 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | 1434 | Credit | Hazard Insurance Effective Date is after the Note Date | The hazard insurance effective date of XX/XX/XXXX is after the note date of XX/XX/XXXX | Change status of 'Hazard Insurance Effective Date is after the Note Date' from Active to Open Rebuttal.; Confirmed the policy was paid at closing. Updating effective date to day of consummation. | 09/22/2022 | Confirmed the policy was paid at closing. Updating effective date to day of consummation. | 09/22/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9007095 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 3605 | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: Assets showing short to close due to transaction= residential lease with right to purchase; no breakdown as to how much has been paid to the landlord/ seller for down payment. Lease provides rents; however, need specific rent and amount going toward down payment. Lender to provide a complete breakdown to review for shortage in assets to close. | Change status of 'Asset Documents are Incomplete' from Active to Open Rebuttal.; Copy of bank Statement dated XX/XX/XXXX located showing Acct. XXX with a balance of XXX (matching the 1003). Updating loan accordingly. | 09/22/2022 | Copy of bank Statement dated XX/XX/XXXX located showing Acct. XXX with a balance of XXX (matching the 1003). Updating loan accordingly. Exception cleared. | 09/22/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006573 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. Need VOM for property at XXX XXX. | Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Open Rebuttal.; Received Refinance CD dated XX/XX/XXXX for Edgar property. Reviewed and can confirm Refi payoff and confirmation of at least XXX years of payments. Exception cleared. | 09/22/2022 | Borrower liabilities verified indicator is XXX | 09/22/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006573 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/31/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006851 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/27/2022 | Cleared | 2587 | Credit | Borrower Income Verification is less than 12 months |  |  |  | Income Verification of ___ is greater than XXX months.; Income Verification of ___ is greater than XXX months. | 08/31/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006851 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 896 | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXX and value used for LTV of XXX. |  |  | Original LTV of XXX adheres to the guideline maximum LTV of XXX. | 08/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006851 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/27/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/27/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006851 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 897 | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX. |  |  | Original CLTV of XXX adheres to the guideline maximum CLTV of XXX. | 08/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006851 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/27/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/27/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006540 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006540 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | 1681 | Compliance | Tex. Const. art. XVI § 50(f)(2) - XXX F2 Notice for Non Home Equity was not provided | Tex. Const. art. XVI, § XXX(f)(XXX) - XXX F2 Notice for Non Home Equity was not provided | Change status of 'Tex. Const. art. XVI, § XXX(f)(XXX) - XXX F2 Notice for Non Home Equity was not provided' from Active to Open Rebuttal.; Received LOX - This loan is a purchase transaction and not a rate term refinance - this form is XXX. "Section XXX(f)(XXX)(B)(ii) permits the lender to finance "actual costs and reseves required by the lender..." If the XXX(f)(XXX) rate/term refinance is being underwritten to secondary market requirements, FNMA allows the Limited Cash-Out and Cash-Out Refinance options to include the financing of closing closts, points, and...." | 09/06/2022 | XXX F2 Notice for Non Home Equity was provided | 09/06/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006758 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/29/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006758 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/29/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006697 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/28/2022 | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval; Missing XXX XXX bank Statement. Used income from BXXX Statement income cal to match XXX.; Received copy of XXX XXX bank Statement with updated Quick Calc Income Calculation. The information input on the original Quick Calc on XXX XXX matches the Deposit income from XXX XXX bank Statement. Exception cleared. |  |  | The borrower income verification does match approval | 09/23/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9006697 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/31/2022 | Cleared | 2571 | Credit | Final Loan Application is Partial | Final Loan Application is Partial; Final 1003 shows years in subject property as zero. Fraud report reflects sale date of XX/XX/XXXX. Need updated 1003 to show correct number of years that Borrower has lived in the subject property. | Change status of 'Final Loan Application is Partial' from Active to Open Rebuttal.; Received updated Final 1003 showing borrower has lived in current residency for a total of XXX years; XXX months. Exception cleared. ; Final 1003 shows years in subject property as zero. Fraud report reflects sale date of XX/XX/XXXX. Need updated 1003 to show correct number of years that Borrower has lived in the subject property. | 09/14/2022 | Final Loan Application is XXX | 09/14/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9006697 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/26/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Secondary Valuation required |  |  | Third Party Valuation Product Provided | 09/14/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9006697 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/27/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/27/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9006697 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/26/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX.; Secondary Valuation required |  |  | Third Party Valuation Product Provided. | 09/14/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9006571 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 2571 | Credit | Final Loan Application is Partial | Final Loan Application is Partial; Loan Originator did not sign/date the Final 1003 (pg XXX). | Change status of 'Final Loan Application is Partial' from Active to Open Rebuttal.; Loan Originator signed the initial 1003. Not required on final. Exception cleared. ; Loan Originator did not sign/date the Final 1003 (pg XXX). | 09/07/2022 | Final Loan Application is XXX | 09/07/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006571 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML Loan with established escrows and appraisal received, downgraded to a B. |  |  | HPML Compliant | 08/27/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006670 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/27/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006670 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/28/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/28/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9007128 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/28/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML Loan with established escrows and appraisal received, downgraded to a B. |  |  | HPML Compliant | 08/28/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D C A |
| 9007128 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 929 | Compliance | Security Instrument Indicator is Partial | The security instrument indicator is Partial - The loan Closed on XXX/XXX, however the Notary date is XXX/XXX.; Notarization will have to be corrected, and the mortgage has to be re-recorded. Please provide a letter of intent to Re-Record on Company Letterhead referencing the mistake that was made. ; The closing (consummation) date is XX/XX/XXXX. The notary date on the mortgage XXXNNOT be before this date. The mortgage shows the notary signed on XX/XX/XXXX. Notarization will have to be corrected, and the mortgage re-recorded. | Change status of 'Security Instrument Indicator is Partial' from Active to Open Rebuttal.; Received copy of re-recorded mortgage correcting the notary date to XX/XX/XXXX. Exception cleared. ; Notarization will have to be corrected, and the mortgage has to be re-recorded. Please provide a letter of intent to Re-Record on Company Letterhead referencing the mistake that was made. ; The closing (consummation) date is XX/XX/XXXX. The notary date on the mortgage XXXNNOT be before this date. The mortgage shows the notary signed on XX/XX/XXXX. Notarization will have to be corrected, and the mortgage re-recorded. | 10/05/2022 | The security instrument indicator is XXX | 10/05/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| 9006591 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML Loan with established escrows and appraisal requirements have been met. |  |  | HPML Compliant | 08/27/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006591 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006496 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 09/09/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006496 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | 3437 | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  |  | Third Party Valuation Product Provided. | 09/09/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006557 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML Loan with established escrows and appraisal requirements have been met. |  |  | HPML Compliant | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006557 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Acknowledged | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. The borrower has XXX tradeline reporting for XXX months with activity in the last XXX months(Mortgage); and one open tradeline reporting XXX months. Per the guidelines XXX trades lines reporting for XXX months with activity in last XXX | Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Acknowledged by Client.; Received CRSE - Exception Type : Credit-Minimum Trade Lines. Guideline: XXX trade lines reporting for XXX months. Actual XXX recent accounts within the last XXX years but not reporting XXX months. Rationale - comp factors support exception. Compensating Factors : Qualifying Credit Scores is XXX; XXX% (Housing) // XXX% (Total); Borr with employer for XXX years; Reserves of XXX Months; Residual Income of $XXX; Qualifying LTV is XXX Acknowledged by client. | 09/07/2022 |  | 09/07/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006557 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Cleared | 1315 | Credit | Fully Executed Purchase Contract is Partial | Missing addendum to the purchase contract, purchase price per contract shows XXX Per the final CD the purchase price was reduced to $XXX. | Change status of 'Fully Executed Purchase Contract is Partial' from Active to Open Rebuttal.; Received Addendum to Purchase agreement showing the updated sales price. Exception cleared. | 09/07/2022 | The fully executed purchase contract is XXX | 09/07/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006557 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Acknowledged | 3436 | Credit | Payment shock exceeds lender guidelines | Payment shock of XXX exceeds the lender guidelines tolerance for payment shock of XXX% | Change status of 'Payment shock exceeds lender guidelines' from Active to Acknowledged by Client.; Client provided a guideline exception allowing for Payment shock exceeding guidelines of XXX% actual XXX. Qualfying credit score XXX; DTI XXX% (Housing Ratio) or XXX% (Total); Borrower with same Employer/Business for XXX years; Verified reserves are XXX months; Residual income of $XXX; Qualifying LTV is 80%. | 08/27/2022 |  | 08/27/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006727 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/28/2022 | Cleared | 3437 | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible.; Requiring secondary valuation |  |  | Third Party Valuation Product Provided. | 09/09/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006727 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/28/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/28/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006592 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/27/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006592 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006593 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/28/2022 | Cleared | -99986 | Compliance | TILA APR Test | This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (XXX), transferred from 12 CFR §226.22(a)(2), (XXX)) The annual percentage rate (APR) is XXX%. The disclosed APR of XXX% is not considered accurate because it is more than XX/XX/XXXX of XXX percentage point above or below the APR as determined in accordance with the actuarial method. |  |  | This loan passed the TILA APR test due to one or more of the following findings: (12 CFR §1026.22(a)(2), (XXX), transferred from 12 CFR §226.22(a)(2), (XXX)) The disclosed annual percentage rate (APR) of XXX% is considered accurate because it is not more than XX/XX/XXXX of XXX percentage point above or below the APR of XXX% as determined in accordance with the actuarial method; orThe disclosed APR results from the disclosed finance charge, and the disclosed finance charge is considered accurate under §1026.18(d)(1) (the finance charge test), or for purposes of rescission the disclosed finance charge is considered accurate under §1026.23(g) or (h) (the rescission finance charge test or the foreclosure rescission finance charge test), whichever applies. | 09/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006593 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/28/2022 | Cleared | -96458 | Compliance | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §XXX(f)(XXX)(ii) he revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction hanges before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §XXX(o)(XXX) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §XXX(a)(XXX)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the Statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate he creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. |  |  | This compliance test 'Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test' is no longer tested | 09/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006593 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | 2578 | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines.; The borrower's application indicates the borrower has been renting his current residence for the last XXX months and owned his previous residence. The file contains a credit report that shows the borrower's housing history until XX/XX/XXXX from the mortgage on his residence that was sold, however no documentation was in file to confirm the rental history met the guidelines. | Change status of 'Housing history does not meet guidelines' from Active to Open Rebuttal.; Copy of VOR for previous rental property received showing a year of housing history. Exception cleared. ; The borrower's application indicates the borrower has been renting his current residence for the last XXX months and owned his previous residence. The file contains a credit report that shows the borrower's housing history until XX/XX/XXXX from the mortgage on his residence that was sold, however no documentation was in file to confirm the rental history met the guidelines. | 09/07/2022 | Housing delinquency meets guidelines. | 09/07/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006593 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/28/2022 | Cleared | -96346 | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding his loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report hile creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. |  |  | TRID Monitor Timing of Disclosures Finding his loan contains disclosures that do not fail one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report hile creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | 09/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006593 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/02/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006593 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 1257 | Credit | Borrower Employment Verification does not meet guidelines | The borrower's employment was not appropriately verified. The file does not contain any documentation to confirm the percentage of ownership in the borrower's business. | Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Open Rebuttal.; Received copy of Articles of Incorporation showing borrower is single member LLC. Exception cleared. | 09/07/2022 | The exception 'Borrower Employment Verification does not meet guidelines' is cleared. | 09/07/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006593 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/28/2022 | Cleared | -99349 | Compliance | TILA Finance Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX |  |  | This loan passed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is considered accurate because:It is underStated by no more than $XXX; orIt is greater than the amount required to be disclosed. | 09/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006593 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/28/2022 | Cleared | -96461 | Compliance | Revised Closing Disclosure Waiting Period Required Finding | Revised Closing Disclosure Waiting Period Required Finding (12 CFR §XXX(f)(XXX)(ii) he loan requires a new waiting period due to one of the following findings:The loan's APR has become inaccurate; orThe loan product, indicated in ComplianceAnalyzer by the Program Type drop down, has changed or the features (negative amortization, interest only, or a balloon payment) on the loan have changed; orA prepayment penalty was added hanges before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §XXX(o)(XXX) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §XXX(a)(XXX)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the Statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate. |  |  | Revised Closing Disclosure Waiting Period Required Finding (12 CFR §XXX(f)(XXX)(ii) he loan does not require a new waiting period due to all of the following findings:The loan's APR has not become inaccurate, andThe loan product, indicated in ComplianceAnalyzer by the Program Type drop down, has not changed and the features (negative amortization, interest only, or a balloon payment) have not changed; andA prepayment penalty was not added hanges before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §XXX(o)(XXX) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §XXX(a)(XXX)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the Statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate. | 09/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006737 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/28/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/28/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006737 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/30/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006736 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/26/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Missing CDA as required per XXX guidelines for cash out refinances of properties owned Third Party Valuation Product Provided 09/02/2022 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A D A A A D A A A D A D A D A D A D A D A D A D A D A D A A A A A A A A A A A A A A A A A A A A A |  |  |  |  |  |
| 9006736 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/30/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006544 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006544 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006748 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | The exception 'No Compliance Findings' is cleared. | 08/30/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006748 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/29/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006595 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/28/2022 | Cleared | -96570 | Compliance | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. |  |  | Loan is not subject to QM | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006595 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 09/09/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006595 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/28/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML Loan with established escrows and appraisal received, downgraded to a B. |  |  | HPML Compliant | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006595 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX% |  |  | Third Party Valuation Product Provided | 09/09/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006595 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | 3437 | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  |  | Third Party Valuation Product Provided. | 09/09/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006644 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/30/2022 | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | Per Lender GLs XX/XX/XXXX Business's Operating without a Business Bank Account : Business Questionnaire is required. | Change status of 'Borrower Income Verification does not match Approval' from Active to Open Rebuttal.; Per guidelines, Borrower operating a business out of a personal bank account, or when two months business bank Statements are not furnished, the qualifying income may be deteremind by using a personal bank account with an applied business expense ratio. XXX% expense ratio calculated - exception cleared. | 09/06/2022 | The borrower income verification does match approval | 09/06/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX B A |
| 9006644 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/30/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Lender GLs XX/XX/XXXX - A written explanation is required for all inquiries within XXX-days of the date of the credit report. Borrower to provide a letter of explanation regarding the following credit inquiries: XX/XX/XXXX XXX IN; XX/XX/XXXX PRIMARY RESIDENTIAL | Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Open Rebuttal.; Received LOX - The XXX inquiries listed below are the Broker (XX/XX/XXXX Primary Residential) and their credit agency (XX/XX/XXXX XXX). Exception cleared. | 09/06/2022 | Borrower liabilities verified indicator is XXX | 09/06/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX B A |
| 9006644 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/29/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML Loan with established escrows and appraisal received, downgraded to a B. |  |  | HPML Compliant | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX B A |
| 9006536 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/30/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006536 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/29/2022 | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval: The Investment Property at XXX XXX, has a HELOC associated with the property. The HELOC is listed on the 1003 and the Credit report. Please provide the associated Statement for this HELOC. | Change status of 'Borrower Income Verification does not match Approval' from Active to Open Rebuttal.; Received LOC with copy of Credit Report and SiteX report on property XXX XXX. Exception cleared. | 09/06/2022 | The borrower income verification does match approval | 09/06/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006536 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/26/2022 | Cleared | -99290 | Compliance | TX Constitution A6 Required Fees Test | This loan failed the required fees test. (XXX Constitution, Article XXX Section XXX (a)(XXX)(E) & (t)(XXX), as amended Jan. XXX he loan requires the borrower(s) to pay, in addition to interest, fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that exceed XXX% of the original XXX amount, excluding fees for:An appraisal performed by a third party appraiser;A property survey performed by a State registered or licensed surveyor;A State base premium for a mortgagee policy of title insurance with endorsements established in accordance with State law, or a title examination report if its cost is less than the State base premium for a mortgagee policy of title insurance without endorsements established in accordance with State law. |  |  | This loan passed the required fees test. (XXX Constitution, Article XXX Section XXX (a)(XXX)(E) & (t)(XXX), as amended Jan. XXX he loan requires the borrower(s) to pay, in addition to interest or any bona fide discount points used to buy down the interest rate, any fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that do not exceed XXX% of the original XXX amount, excluding fees for:An appraisal performed by a third party appraiser;A property survey performed by a State registered or licensed surveyor;A State base premium for a mortgagee policy of title insurance with endorsements established in accordance with State law, or a title examination report if its cost is less than the State base premium for a mortgagee policy of title insurance without endorsements established in accordance with State law. | 09/06/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006680 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/28/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/28/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006680 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/28/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/28/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006829 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/27/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/27/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006829 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/27/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/27/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006609 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML Loan with established escrows and appraisal requirements have been met. |  |  | HPML Compliant | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006609 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Acknowledged | 3466 | Property | Appraisal guideline violation | Appraisal guideline violation: | Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client.; Exception in file Max LTV of 80% and actual LTV is 90%. LTV approved on prev matrix, honoring pricing. Comp factors: Qualifying credit score is XXX Housing ratio XXX% or Total DTI XXX% Brw with same employer/business for XXX years, verified reserves are XXX Residual income of $XXX. | 08/27/2022 |  | 08/27/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006609 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XXX is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. |  |  | This loan passed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XXX is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006609 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; The file is missing the COC for the appraisal fee increase of XXX dated XXX. Also missing the COC for the Final appraisal inspection fee for XXX dated XXX |  |  | This loan passed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i) lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §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). | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006491 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/28/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/28/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006491 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006499 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/27/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 09/09/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006499 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/27/2022 | Acknowledged | 3467 | Credit | Minimum Trade Line Requirement Not Met | Borrower(s) have not met the minimum tradeline requirement per lender guidelines. | Change status of 'Minimum Trade Line Requirement Not Met' from Active to Acknowledged by Client.; Received CRSE - Credit:Tradeline requirements not met. Actual - XXX Tradelines reporting for XXX months. Comments - Borrower has not met the minimum tradeline requirement per lender guidelines. Compensating Factors : Qualifying Credit Score is XXX; XXX% (Housing Ratio) or XXX% (Total); Verified Reserves are XXX; Residual Income of $XXX; Borrower with same Employer/Business for XXX years. Acknowledged by client. | 09/08/2022 |  | 09/08/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006499 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006499 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/27/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX% |  |  | Third Party Valuation Product Provided; Third Party Valuation Product Provided | 09/09/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006569 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/02/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006569 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. ; The loan is in compliance with all applicable laws and regulations. |  |  | The exception 'No Compliance Findings' is cleared. | 08/31/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006672 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML loan with established escrows and met appraisal requirements. |  |  | HPML Compliant | 09/01/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006672 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/02/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/02/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006776 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006776 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/31/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006738 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/30/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX A |
| 9006738 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines.; The loan meets all applicable credit guidelines. |  |  | The exception 'No Credit Findings' is cleared. | 08/30/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX A |
| 9006724 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3437 | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  |  | Third Party Valuation Product Provided. | 09/09/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006724 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/30/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006626 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006626 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. The lender did not provide proof of the ages for the XXX dependents under her care for the State of XXX (GL XX/XX/XXXX - pg XXX). Additionally, the Lender used YTD average of OT vs a XXX year average (GL XXX pg XXX). | Change status of 'Borrower Income Verification does not match Approval' from Active to Open Rebuttal.; Received LOX with supporting documentation. The income being received is in two parts. The XXXXX children income and her caregive income. The latter is part of her wages and not dependent on the ages of her patients. The XXXXX children income lasts until XXX and documentation follows. Reviewed supporting documentation - exception cleared. | 09/16/2022 | The borrower income verification does match approval | 09/16/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006852 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006852 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Acknowledged | 897 | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX.; CRSE cites an exception: Max LTV of 75% on newer guidelines. States loan was approved using XXX guidelines. | Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Open Rebuttal to Acknowledged by Client.; Per CRSE - Exception Type - LTV. Guideline - Max LTV of 75%; Actual - LTV - XXX; Rationale - Loan was approved and locked back in XXX using prior matrix which allows up to 80% LTV. Compensating Factors : Verified Reserves are XXX; 0x30 - last XXX months. Acknowledged by client. | 08/30/2022 |  | 08/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006852 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 3437 | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible (per report dated XX/XX/XXXX). |  |  | Third Party Valuation Product Provided. | 09/09/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006852 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Acknowledged | 896 | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXX and value used for LTV of XXX.; CRSE cites an exception: Max LTV of 75% on newer guidelines. States loan was approved using XXX guidelines. | Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.; Per CRSE - Exception Type - LTV. Guideline - Max LTV of 75%; Actual - LTV - XXX; Rationale - Loan was approved and locked back in XXX using prior matrix which allows up to 80% LTV. Compensating Factors : Verified Reserves are XXX; 0x30 - last XXX months. Acknowledged by client. | 08/30/2022 |  | 08/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006852 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX (Per report dated XX/XX/XXXX). |  |  | Third Party Valuation Product Provided. | 09/09/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006852 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; CU Score is XXX; R&W Relief is Not Eligible. Loan amount is greater than $XXX. TPV is required. |  |  | Third Party Valuation Product Provided | 09/09/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006704 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/30/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006704 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/30/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006685 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 1246 | Credit | Transmittal Summary is Partial | The transmittal summary is Partial. CRSE DTI reflects XXX% vs actual of XXX%. Lender did not include the borrower's XXX account in DTI. | Change status of 'Transmittal Summary is Partial' from Active to Open Rebuttal.; Received LOX - XXX is an authorized user account, so this is not included in the DTI. Removed from calculatuion. DTI is within guidelines. Exception cleared. | 09/07/2022 | The transmittal summary is XXX | 09/07/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| 9006685 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/29/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| 9006545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Cleared | -96368 | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test he loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. | Change status of 'Consummation or Reimbursement Date Validation Test' from Active to Open Rebuttal.; Received LOX, COC and CD dated XX/XX/XXXX. Updating loan accordingly. | 09/07/2022 | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 09/07/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Cleared | -97600 | Compliance | MD Credit Regulations Mortgage Loan DTI Provided Test | This loan failed the DTI provided test. (XXX SB270/HB363, Md. Code Ann., Com. Law II §12-127, XXX-XXX, XXX-XXX, XXX-XXX) The loan is a mortgage loan or secondary mortgage loan and the debt-to-income (DTI) ratio of the borrower was not provided. The DTI ratio is one of several factors that should be considered when determining the borrower's repayment ability. PLEASE NOTE: This result is not a determination that the lender or credit grantor analyzed the borrower's ability to repay a mortgage loan based on Chapter XXX (SB XXX) or Chapter XXX (HB363). See MD Credit Regulations Repayment Ability Alert (below) for full repayment ability requirements. |  |  | This loan passed the DTI provided test. (XXX SB270/HB363, Md. Code Ann., Com. Law II §12-127, XXX-XXX, XXX-XXX, XXX-XXX) The loan is a mortgage loan or secondary mortgage loan and the debt-to-income (DTI) ratio of the borrower was provided. The DTI ratio is one of several factors that should be considered when determining the borrower's repayment ability. PLEASE NOTE: This result is not a determination that the lender or credit grantor analyzed the borrower's ability to repay a mortgage loan based on Chapter XXX (SB XXX) or Chapter XXX (HB363). See XXX Credit Regulations Repayment Ability Alert (below) for full repayment ability requirements. | 09/07/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Cleared | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XXX is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | Change status of 'Reimbursement Amount Test' from Active to Open Rebuttal.; Received LOX, COC and CD dated XX/XX/XXXX. Updating loan accordingly. | 09/07/2022 | This loan passed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XXX is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | 09/07/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Cleared | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Final CD XX/XX/XXXX increases discount points by XXX without valid COC. COC indicates change in discount points; however, cause of change not XXX. Cure includes PCCD, letter of explanation, copy of refund check, and proof of mailing. | Change status of 'Charges That Cannot Increase Test' from Active to Open Rebuttal.; Received LOX, COC and CD dated XX/XX/XXXX. Updating loan accordingly. ; Final CD XX/XX/XXXX increases discount points by XXX without valid COC. COC indicates change in discount points; however, cause of change not XXX. Cure includes PCCD, letter of explanation, copy of refund check, and proof of mailing. | 09/07/2022 | This loan passed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i) lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §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). | 09/07/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006782 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/30/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006782 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/30/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006582 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Acknowledged | 1261 | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval | Change status of 'Borrower Income Verification does not match Approval' from Active to Acknowledged by Client.; Client provided a guideline exception allowing for max XXX NSF/OD's in XXX months, one of the borrower business accts has XXX NSF/OD's in XXX months. Qualifying credit score XXX; DTI XXX% (Housing Ratio) or XXX% (Total); Borrower with same Employer/Business for XXX years; Verified Reserves are XXX; Residual Income of XXX | 09/01/2022 |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006582 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9007116 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Acknowledged | 896 | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXX and value used for LTV of XXX.; Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXX and value used for LTV of XXX. | Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.; Clent provided a guideline exception allowing for 90% LTV, Per Quick Cal approval letter loan approved at 90% LTV XX/XX/XXXX, prior to program guideline changes. Qualifying Credit score XXX; DTI XXX% (Housing Ratio) or XXX% (Total); Verified reserves are XXX months; Residual Income of $XXX; 0x30 last XXX months. | 08/29/2022 | . | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX B A |
| 9007116 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML Loan with established escrows and appraisal requirements have been met. |  |  | HPML Compliant | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX B A |
| 9007116 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Acknowledged | -99944 | Compliance | Late Fees Test | This loan failed the late fees test he loan has late fees that do not conform to the requirements for the lender's license type in the State where the property is located or loans with a date creditor received application before XXX XXX:When a scheduled payment in a consumer credit transaction is in default XXX days or more, the creditor may charge and collect a late charge not exceeding the greater of ten dollars XXX or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §XXX-XXX-XXX(a) or loans with a date creditor received application on or after XXX XXX:When a scheduled payment in a consumer credit transaction is in default XXX days or more, the creditor may charge and collect a late charge not exceeding the greater of eighteen dollars XXX or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §XXX-XXX-XXX(a) LEASE NOTE: Certain States impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, ComplianceAnalyzer® will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment. | Change status of 'Late Fees Test' from Active to Open Rebuttal.; XX/XX/XXXX: Reveived revised Note and Final CD with late fee showing maximum XXX Exceptin cleared. | 09/20/2022 | non-material | 09/20/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX B A |
| 9007116 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/28/2022 | Acknowledged | 2578 | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Lender approved exception for housing payment history on XX/XX/XXXX. Lender Stated "verified XXX-month current rent with a XXX-month gap. Verified XXX XXX years of rent prior to gap." File only appears to have current verified housing payments for XXX-months of XXX - XXX/XXX-XXX/XXX. Rental ledgers in file at XXX p259 (XXX/XXX-XXX/XXX) proves 0x30x14mos; The XXX rental ledger p265 (XXX/XXX-XXX/XXX) proves 0x30x3mos - this gives a total 0x30 for 17mos from XX/XX/XXXX through XX/XX/XXXX and then the borrowers went to live with B1 parents (refer to LOX p267) from XXX/XXX-XXX/XXX and lived rent-free. In XX/XX/XXXX they moved to their departing rental residence of XXX XXX where we have a VOR of 0x30x8mos (as outlined above). | Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.; Client provided a guideline exception allowing for XXX month gap in rental history. Qualifying credit score is XXX; DTI XXX (Housing Ratio) or XXX (Total); Verified reserves are XXX months; Residual income of $XXX; Credit History 0x30/XXX months. | 08/29/2022 |  | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX B A |
| 9007116 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Acknowledged | 897 | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX.; Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX. | Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.; Clent provided a guideline exception allowing for 90% CLTV, Per Quick Cal approval letter loan approved at 90% LTV XX/XX/XXXX, prior to program guideline changes. Qualifying Credit score XXX; DTI XXX% (Housing Ratio) or XXX% (Total); Verified reserves are XXX months; Residual Income of $XXX; 0x30 last XXX months. | 08/29/2022 | . | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX B A |
| 9006733 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/28/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/28/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006733 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/28/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/28/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006733 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/28/2022 | Cleared | 3437 | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. Secondary Valuation required |  |  | Third Party Valuation Product Provided. | 09/09/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9007060 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | -96628 | Compliance | Qualified Mortgage Balloon Payment Loan | Balloon Payment Loan (12 CFR §XXX(e)(XXX)(i)(C) his loan has a balloon payment qualified mortgage is a covered transaction that provides for regular periodic payments that are substantially equal, except for the effect that any interest rate change after consummation has on the payment in the case of an adjustable-rate or step-rate mortgage, that does not result in a balloon payment.; Non QM Loan |  |  | Loan is not subject to QM | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006787 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006787 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006607 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | 2578 | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Missing XXX months previous housing history. XXX months current mortgage history verified in file.. | Change status of 'Housing history does not meet guidelines' from Active to Open Rebuttal.; Received LOX - borrower purchased primary in XXX with payments beginning in January. Confirmation of XXX months were paid (or purchased). Exception cleared. | 09/13/2022 | Housing delinquency meets guidelines. | 09/13/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006607 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006607 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/28/2022 | Cleared | 2571 | Credit | Final Loan Application is Partial | Final Loan Application is Partial. The co-borrower/primary wage earner is the Loan Officer and the Broker on this loan, resulting in a Non-arms length transaction. XXX Missing previous address on the Final 1003, current address less than XXX years. | Change status of 'Final Loan Application is Partial' from Active to Open Rebuttal.; Received update on borrower's previous address. Updating - cleared. | 09/12/2022 | Final Loan Application is XXX | 09/12/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006532 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006532 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006741 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006741 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/01/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006637 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006637 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML with established escrows and appraisal requirements met. |  |  | HPML Compliant | 08/27/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9007182 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/29/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006673 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Acknowledged | 896 | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXX and value used for LTV of ___.; Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXX and value used for LTV of XXX.; Per Bank Statement guidelines dated XXX, Cash out Refinance with a min fico of XXX Max LTV is 75%. Credit Risk Summary States LTV as XXX% No lender exception in file. | Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.; Received CRSE - Acknowledging exception; ; Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.; Received CRSE - Exception Type: Program-LTV. Guidelines XXX; Actual - XXX Rationale - comp factor support exception. Compensating Factors : XXX% (Housing); Reserves of XXX months; Residual Income of $XXX; 0x30-last XXX months. Acknowledged by client. | 09/12/2022 | Original LTV of XXX adheres to the guideline maximum LTV of ___. | 09/12/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of ___ or $___. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years C A |
| 9006673 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML with established escrows and appraisal requirements met. |  |  | HPML Compliant | 08/27/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of ___ or $___. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years C A |
| 9006673 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Acknowledged | 897 | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX.; Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX. | Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.; Received CRSE - Exception Type: Program-LTV. Guidelines XXX; Actual - XXX Rationale - comp factor support exception. Compensating Factors : XXX% (Housing); Reserves of XXX months; Residual Income of $XXX; 0x30-last XXX months. Acknowledged by client. | 09/12/2022 | Original CLTV of XXX adheres to the guideline maximum CLTV of XXX. | 08/30/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of ___ or $___. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years C A |
| 9006673 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | 3557 | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided.; HOI Policy in file States dwelling as $XXX, Policy does not reflect any Guranteed/Replacement costs on the policy in file. | Change status of 'Hazard Insurance Coverage is Not Sufficient.' from Active to Open Rebuttal.; Received LOX with copy of Appraisal - Per Appraisal, cost to cover dwelling is estimated at XXX removing site value demonstrates that dwelling coverage of XXX is sufficient. Exception cleared. ; HOI Policy in file States dwelling as $XXX, Policy does not reflect any Guranteed/Replacement costs on the policy in file. | 09/12/2022 | Hazard insurance coverage is sufficient. | 09/12/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of ___ or $___. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years C A |
| 9006673 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/26/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of ___ or $___. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years C A |
| 9006509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006831 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/31/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006831 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/31/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006618 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006618 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006682 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Cleared | -99349 | Compliance | TILA Finance Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX |  |  | This loan passed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is considered accurate because:It is underStated by no more than $XXX; orIt is greater than the amount required to be disclosed. | 09/06/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006682 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/02/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/02/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006619 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. ; The loan is in compliance with all applicable laws and regulations. |  |  | The exception 'No Compliance Findings' is cleared. | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006619 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | FEMA declared XXX in a disaster area (Severe Winter Storms) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. | Change status of 'Property is located in a FEMA disaster area' from Active to Open Rebuttal.; The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception cleared | 09/06/2022 | Post disaster inspection confirms no property damage | 09/06/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006613 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 09/01/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006613 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/27/2022 | Cleared | 2578 | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Per Lender GLs XX/XX/XXXX Rent-free is not allowed on the Bank Statement Program. Lender did not verifi borrower's rental payment of XXX per initial and final URLA. There is a XXX month history printout page XXX-XXX, however the monthly figures vary and audit is unable to determine if it is the BRs rent payment history. No LOE, lease or exception found in file. | Change status of 'Housing history does not meet guidelines' from Active to Open Rebuttal.; Received bank Statements and copy of payment history to Pinnacle from XX/XX/XXXX through XXX/XXX. Exception cleared. | 09/08/2022 | Housing delinquency meets guidelines. | 09/08/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006812 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/26/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX% | Change status of 'Third Party Valuation Product not Provided' from Active to Open Rebuttal.; ; Received CDA XX/XX/XXXX with value of XXX | 09/12/2022 | Third Party Valuation Product Provided | 09/12/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. D A |
| 9006812 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/26/2022 | Cleared | 3557 | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. | Change status of 'Hazard Insurance Coverage is Not Sufficient.' from Active to Open Rebuttal.; Received LOX - Per the appraisal - Estimated Cost New is XXX Updating loan accordingly. | 09/08/2022 | Hazard insurance coverage is sufficient. | 09/08/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. D A |
| 9006627 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Acknowledged | -96648 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.; HPML with established escrows and appraisal requirements met. |  |  | HPML Compliant | 08/27/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006627 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/31/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006627 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Acknowledged | -97038 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))<br> Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.<br> While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.; HPML with established escrows and appraisal requirements met. |  |  | HPML Compliant | 08/27/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006589 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. ; The loan is in compliance with all applicable laws and regulations. |  |  | The exception 'No Compliance Findings' is cleared. | 08/31/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006589 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/02/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006567 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006567 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006567 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/02/2022 | Cleared | 3437 | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  |  | Third Party Valuation Product Provided. | 09/06/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006567 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/02/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX% |  |  | Third Party Valuation Product Provided | 09/06/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006567 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/02/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 09/06/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006754 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Acknowledged | 654 | Credit | CoBorrower Liabilities Verified Indicator is Partial | CoBorrower liabilities verified indicator is Partial- lender approved exception page XXX for late XX/XX/XXXX XXX auto. | Change status of 'CoBorrower Liabilities Verified Indicator is Partial' from Active to Acknowledged by Client.; Received CRSE - Exception Type: Credit-Payment History (Consumer Debt). Guideline - XXX; Actual 1x30 for XXX Lease. Compensating Factors : XXX% (Housing) // XXX% (Total); Payment decreasing by XXX; Reserves of XXX Months; Residual Income of XXX Acknowledged by client. | 09/08/2022 |  | 09/08/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006754 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 2213 | Property | Third Party Valuation Product not Provided. | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX% |  |  | Third Party Valuation Product Provided | 09/14/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006754 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/27/2022 | Cleared | 936 | Property | UCDP Summary Report is Missing | The SSR indicator is Missing |  |  | The SSR indicator is XXX | 09/14/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006754 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/30/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006752 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/29/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006752 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/30/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006763 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/30/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006763 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 1257 | Credit | Borrower Employment Verification does not meet guidelines | Missing LLC documents: articles of organization (filed copy), copy of operating agreement per section XX/XX/XXXX | Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Open Rebuttal.; Received Articles of Organization and copy of Business Search for LLC. Confirmed valid - exception cleared. | 09/08/2022 | Received Articles of Organization and copy of Business Search for LLC. Confirmed valid - exception cleared | 09/08/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006753 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 871 | Credit | Hazard Insurance Indicator is Partial | Hazard insurance indicator is Partial- Master HOI page XXX: breakdown does not show building coverage and other HOI in file from XXX dwelling insufficient coverage; lender to provide an updated master HOI to show building coverage. Master shows general liability, D&O and fidelity and other buildings, ie office, pools etc. | Change status of 'Hazard Insurance Indicator is Partial' from Active to Open Rebuttal.; Received LOX stating the Policy is XXX% replacement cost coverage. Reviewed copy of HOI policy and it States - Dwell Repl Cost - Similar Construction PLUS Increase Dwlg up to XXX Coverage is sufficient. | 09/07/2022 | Hazard insurance indicator is XXX | 09/07/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006753 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/30/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006753 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/27/2022 | Cleared | 3557 | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. | Change status of 'Hazard Insurance Coverage is Not Sufficient.' from Active to Open Rebuttal.; Received LOX stating the Policy is XXX% replacement cost coverage. Reviewed copy of HOI policy and it States - Dwell Repl Cost - Similar Construction PLUS Increase Dwlg up to XXX Coverage is sufficient. | 09/07/2022 | Hazard insurance coverage is sufficient. | 09/07/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006753 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Acknowledged | 3497 | Credit | Cash to Borrower Exceeds Maximum Allowable | Cash to borrower exceeds maximum allowable. Guideline maximum amount to borrower is: lender comments and approved exception for max loan amount $XXX and max LTV 60%; cash out approved over $XXX; does not align with the GL and XX/XX/XXXX matrix. per LOE subject property paid off in XXX XXX and mtg released XXX; | Change status of 'Cash to Borrower Exceeds Maximum Allowable' from Active to Acknowledged by Client.; Received CRSE - Exception Type: Program-Cash-Out Amount. Guideline - Max XXX Actual - Cash in Hand $XXX + P/O private Note & Debt. Compensating Factors : Qualifying Credit Score is XXX; XXX% (Housing) // XXX% (Total); Payment decreasing by XXX; Reserves of XXX Months; Residual Income of $XXX; XXX-last XXX months; Qualifying LTV is XXX. Acknowledged by client. | 09/08/2022 |  | 09/08/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006777 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006777 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/29/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006665 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 3605 | Credit | Asset Documents are Incomplete | Missing source of the following large deposits that reXXX more than XXX% of the Borrower's qualifying income into XXX Fargo account #XXX: XXX on XX/XX/XXXX and XXX on XX/XX/XXXX. | Change status of 'Asset Documents are Incomplete' from Active to Open Rebuttal.; Received LOX - Only XXX short of XXX% of income for both but the deposit on XX/XX/XXXX was greater than XXX day seasoning requirement. Reviewed - exception cleared. | 09/07/2022 | The exception 'Asset Documents are Incomplete' is cleared. | 09/07/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9006665 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML loan with established escrow and appriasal received |  |  | HPML Compliant | 08/29/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9006665 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 1315 | Credit | Fully Executed Purchase Contract is Partial | Missing addendum to sales contract reducing purchase price from XXX to XXX | Change status of 'Fully Executed Purchase Contract is Partial' from Active to Open Rebuttal.; Received LOX - Noting in the purchase agreement States that the borrower would have to pay the different resulting from a low appraisal so the purchase price defaults to the lowest of the XXX values. Exception cleared. | 09/07/2022 | The fully executed purchase contract is XXX | 09/07/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9006665 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 1236 | Compliance | Affiliated Business Disclosure is Missing | The affiliate business disclosure is Missing | Change status of 'Affiliated Business Disclosure is Missing' from Active to Open Rebuttal.; XX/XX/XXXX: Received loe regarding SSP list. Not a required disclosure when there is no affilaition. Exception cleared. | 09/20/2022 | The affiliate business disclosure is XXX | 09/20/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9006665 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 1691 | Compliance | Originator NMLS is Not Active | Per the Consumer Access online website, the NMLS for XXX in the State of XXX was only renewed through XXX yet the subject loan was originated and closed in XXX Please provide documentation confirming the XXX, XXX, had an active NMLS at time of origination. |  |  | The Originator NMLS status is Active | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9006665 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 2571 | Credit | Final Loan Application is Partial | Section XXX Declarations on the Final 1003 reflects that the Borrower did not have any ownership interest in another property within the last XXX years, however, the Borrower owned their current residence and converted it to a rental property at time of origination. | Change status of 'Final Loan Application is Partial' from Active to Open Rebuttal.; Received updated Final 1003 with Section XXX being completed. Exception cleared. | 09/23/2022 | Final Loan Application is XXX | 09/23/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9006658 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML loan with established escrow & appraisal received. Downgrade to B |  |  | HPML Compliant | 08/29/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006658 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006512 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | -96376 | Compliance | TRID "Section A. Origination Charges" Validation Test | This loan failed the TRID "Section A. Origination Charges" validation test his loan contains a fee or fees where "compensation to" is set to a party other than lender or broker, but this fee or fees should not be retained by any party other than the lender or broker."Section A. Origination Charges" should contain an itemization of each amount, and a subtotal of all such amounts, that the consumer will pay to each creditor and loan Originator for originating and extending the credit. |  |  | This compliance test 'TRID "Section A. Origination Charges" Validation Test' is no longer tested | 09/22/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006512 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/22/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/22/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006512 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006833 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006833 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/26/2022 | Cleared | 1245 | Credit | Transmittal Summary is Missing | The transmittal summary is Missing | Change status of 'Transmittal Summary is Missing' from Active to Open Rebuttal.; Received XXX Reviewing information - exception cleared. | 09/16/2022 | The transmittal summary is XXX | 09/16/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006833 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 2587 | Credit | Borrower Income Verification is less than 12 months | Borrower Income Verification of XX/XX/XXXX is less than XXX months. | Change status of 'Borrower Income Verification is less than XXX months' from Active to Open Rebuttal.; DSCR loan - Income is not calculated. Updating Length of Income to blank. Exception cleared. | 09/07/2022 | DSCR loan - Income is not calculated. | 09/07/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006642 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Acknowledged | 1246 | Credit | Transmittal Summary is Partial | The borrower did not meet the required minimum XXX% contribution from personal funds as required per guidelines. (pg XXX). | Change status of 'Transmittal Summary is Partial' from Active to Acknowledged by Client.; Received CRSE - Exception Type : Borrower-Non-Arm's Length Transaction. Guideline - Non Arm's Length Transaction not allowed. Actual - Borrower and seller related. Rationale - Allowing non arm's length, purchase of Primary. Seller giving Gift of Equity XXX% Have verified borrower has XXX% plus reserves of own funds. Compensating Factors : Qualifying Credit Score is XXX; XXX% (Housing); Reserves of XXX Months; Residual Income of $XXX. Acknowledged by client. | 09/14/2022 |  | 09/14/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower has stable job time - Borrower has XXX years at job. |
| 9006642 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML loan with established escrow and appraisal received |  |  | HPML Compliant | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower has stable job time - Borrower has XXX years at job. |
| 9006642 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Acknowledged | 2075 | Property | Title Issues Present | The subject loan is a non-arms length transaction, borrower and seller are related through marriage, seller is the borrowers (XXX). Per the XXX Statement guides dated XX/XX/XXXX; XX/XX/XXXX States, Non-Arms length transactions are not allowed.; The subject loan is a non-arms length transaction, borrower and seller are related through marriage, seller is the borrowers (XXX). Per the XXX Statement guides dated XX/XX/XXXX; XX/XX/XXXX States, Non-Arms length transactions are not allowed. | Change status of 'Title Issues XXX' from Active to Acknowledged by Client.; Received CRSE - Exception Type:Borrower-Non-Arm's Length Transaction. Guideline - Non Arm's Length Transaction Not allowed. Actual - Borrower and seller related. Rationale - Allowing non arm's lenght, purchase of Primary. Seller giving Gift of Equity XXX% Have verified borrower has XXX% plus reserves of own funds. Compensating Factors : Qualifying Credit Score is XXX; XXX% (Housing); Reserves of XXX Months; Residual Income of $XXX. Acknowledged by client. | 09/07/2022 |  | 09/07/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower has stable job time - Borrower has XXX years at job. |
| 9006642 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Acknowledged | 3497 | Credit | Cash to Borrower Exceeds Maximum Allowable | .; Missing gift letter for gift of equity of $XXX. Per the XXX management approved but no signed exception approval in file. | Change status of 'Cash to Borrower Exceeds Maximum Allowable' from Active to Acknowledged by Client.; Received CRSE - Exception Type : Borrower-Non-Arm's Length Transaction. Guideline - Non Arm's Length Transaction not allowed. Actual - Borrower and seller related. Rationale - Allowing non arm's length, purchase of Primary. Seller giving Gift of Equity XXX% Have verified borrower has XXX% plus reserves of own funds. Compensating Factors : Qualifying Credit Score is XXX; XXX% (Housing); Reserves of XXX Months; Residual Income of $XXX. Acknowledged by client. | 09/14/2022 | Cash to borrower does not exceed maximum allowable. | 08/31/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower has stable job time - Borrower has XXX years at job. |
| 9006642 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | 3466 | Property | Appraisal guideline violation | Missing fully executed exception for the following: Non-arm's length transaction (XXX). Buyer has not met minimum XXX% cash to transaction; Gift of Equity of $XXX not addressesd in guideline, borrower received XXX cash back @ close. The XXX States manangment approved and no signed exception approval provided. |  |  | . | 08/31/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006605 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Cleared | 3557 | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided.; Please provide verification that there is replacement cost coverage or replacement cost estimator. Per the appraisal, the replacement costs of XXX exceed the haz insurance coverage of XXX | Change status of 'Hazard Insurance Coverage is Not Sufficient.' from Active to Open Rebuttal.; Received email from Policy Company with copy of Checklist of Coverage. Letter States "The dwelling is covered for replacement cost up to the policy limits.". Updating loan accordingly. ; Please provide verification that there is replacement cost coverage or replacement cost estimator. Per the appraisal, the replacement costs of XXX exceed the haz insurance coverage of XXX | 09/09/2022 | Hazard insurance coverage is sufficient. | 09/09/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006721 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/28/2022 | Acknowledged | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial - comparison credit update shows a new XXX installment account #XXX with monthly pmt $XXX; comparison report does not show paid off installments for two Tropical accounts. | Change status of 'Borrower Liabilities Verification Indicator is Partial' from Open Rebuttal to Acknowledged by Client.; Received CRSE - DTI:XXX Comments - Borrower secured auto financing with XXX putting DTI at XXX. Compensating Factors : Qualifying Credit Score is XXX; XXX% (Housing); Qualifying LTV is XXX; Reserves of XXX Months; Borr weith employer for XXX years. Acknowledged by client. | 09/14/2022 |  | 09/14/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9006721 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/26/2022 | Cleared | 3557 | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided.; Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. | Change status of 'Hazard Insurance Coverage is Not Sufficient.' from Active to Open Rebuttal.; Reviewed insurance policy - it shows Dwelling Replacement Cost - Yes. Exception cleared. | 09/12/2022 | Hazard insurance coverage is sufficient. | 09/12/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9006721 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/28/2022 | Cleared | 2460 | Property | Third Party Desk Review variance to appraised value exceeds 10% | Third party Desk Review variance of XXX exceeds XXX% maximum allowed. | Change status of 'Third Party Desk Review variance to appraised value exceeds XXX%' from Active to Open Rebuttal.; Received updated Desk Review dated XX/XX/XXXX. Updating loan accordingly. | 09/22/2022 | Additional third party valuation requested to support value. | 09/22/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9006721 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/28/2022 | Acknowledged | 2110 | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XXX exceeds guideline maximum of XXX.; new liability for XXX with monthly pmt IXXX XXX creates excessive DTI > XXX% audit DTI XXX/ XXX%. | Change status of 'Qualifying DTI exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.; Received updated CRSE - Actual XXX. Comments - Borrower secured auto financing with XXX putting DTI at XXX. Compensating Factors : Qualifying Credit Score is XXX; XXX% (Housing); Qualifying LTV is XXX; Reserves of XXX months; Borr with employer for XXX years. Acknowledged by client. | 09/06/2022 |  | 09/06/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9006721 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/26/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/26/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9006854 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006854 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006814 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/27/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX% |  |  | Third Party Valuation Product Provided | 09/09/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006814 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/27/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 09/09/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006814 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/02/2022 | Cleared | 3437 | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  |  | Third Party Valuation Product Provided. | 09/09/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006814 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/29/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006711 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML loan with established escrow and appraisal received. Downgraded to a B. |  |  | HPML Compliant | 08/29/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006711 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006778 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006778 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/01/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006504 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML loan with established escrow and appraisal received. Downgraded to a B. |  |  | HPML Compliant | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original CLTV is Below the Guideline Maximum - The compensating factor 'Original CLTV is Below the Guideline Maximum' is removed. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006504 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original CLTV is Below the Guideline Maximum - The compensating factor 'Original CLTV is Below the Guideline Maximum' is removed. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006834 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/02/2022 | Cleared | 3557 | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. | Change status of 'Hazard Insurance Coverage is Not Sufficient.' from Active to Open Rebuttal.; The State of Florida enacted a statue effective XX/XX/XXXX that does not allow the insurance company to disclose guranteed replacement coverage or the replacement cost estimator. Exception cleared. | 09/13/2022 | Hazard insurance coverage is sufficient. | 09/13/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years C A |
| 9006834 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/26/2022 | Cleared | 1434 | Credit | Hazard Insurance Effective Date is after the Note Date | The hazard insurance effective date of XX/XX/XXXX is after the note date of XX/XX/XXXX | Change status of 'Hazard Insurance Effective Date is after the Note Date' from Active to Open Rebuttal.; Per final CD, Hazard Insurance payment paid in full at closing dated XX/XX/XXXX. Updating loan accordingly. | 09/06/2022 | Per final CD, Hazard Insurance payment paid in full at closing dated XX/XX/XXXX. Updating loan accordingly. | 09/06/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years C A |
| 9006834 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 2352 | Compliance | Mortgage not recorded |  |  |  | Mortgage is recorded | 09/02/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years C A |
| 9006855 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Acknowledged | 2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. Guidelines State that an LTV of 75% is required to have a DSCR of XXX or less. Loan locked using previous guidelines. CRSE on page XXX has an exception cited and approved. | Change status of 'DSCR is less than guideline minimum' from Active to Acknowledged by Client.; CRSE shows - Exception Type: DSCR. Guideline - DSCR: <.XXX Maximum LTV: XXX% Minimum Credit Score: XXX Actual - LTV:XXX. Rationale - Loan locked XX/XX/XXXX under previous guidelines allowing DSCR XXX at 80% LTV and XXX FICO. Exception made to allow XXX DSCR. Compensating Factors : Verified Reserves are XXX; 0x30-last XXX months. Acknowledged by client. | 08/30/2022 |  | 08/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006855 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006855 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/27/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX.; Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided.; Third Party Valuation Product Provided. | 09/09/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006611 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML loan with established escrow and appraisal received. Downgraded to a B. |  |  | HPML Compliant | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006611 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/31/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006611 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Acknowledged | 894 | Credit | Underwriting FICO does not meet Guideline Minimum Required | Underwriting FICO of XXX is less than the minimum required guideline FICO of XXX.; Lender guidelines from page XXX States FICO must be XXX CRSE on page XXX cites the exception and approval | Change status of 'Underwriting FICO does not meet Guideline Minimum Required' from Active to Acknowledged by Client.; CRSE - Guideline: Requeted FICO is below the minimum of XXX for the Bank Statement Program. Actual - Credit Score: XXX Rationale - Credit score required XXX - Exception for Tom H to XXX Compensating Factors : XXX% (Housing) // XXX% (Total); Borr with employer for XXX years; Reserves of XXX Months; Residual Income of $XXX; XXX-last XXX months. Acknowledged by client. | 08/31/2022 |  | 08/31/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006859 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/01/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years C A |
| 9006859 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Cleared | 3605 | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: Large deposit of XXX on XX/XX/XXXX into XXX account XXX is not explained in the loan file. Guide requires explanation for all unusual large deposits. | Change status of 'Asset Documents are Incomplete' from Active to Open Rebuttal.; Received LOX - Per the Final 1003, it States those were not included in assets. Reviewed 1003 and confirmed. There is an entry showing Unsourced large deposit and deduct $50K from the calculation. Exception cleared. | 09/23/2022 | Received LOX - Per the Final 1003, it States those were not included in assets. Reviewed 1003 and confirmed. There is an entry showing Unsourced large deposit and deduct $50k from the calculation. Exception cleared. | 09/23/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years C A |
| 9007131 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 932 | Property | Origination Appraisal is Partial | Missing Appraisal Transfer Letter transXXXXXg ownership off appraisal to XXX, that they certified they have complied with Federal, State, and FNMA Appraisal Independence requirements, and proof prior Lender provided the appraisal to the Borrower within XXX days of the report's completion. | Change status of 'Origination Appraisal is Partial' from Active to Open Rebuttal.; Received copy of Transfer of Appraisal. Exception cleared. | 10/05/2022 | Origination appraisal is XXX. | 10/05/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9007131 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 3605 | Credit | Asset Documents are Incomplete | Missing source of the following large deposits and/or transfers into XXX #XXX: XXX on XX/XX/XXXX, XXX on XX/XX/XXXX, and XXX on XX/XX/XXXX. Also, missing XXX% access letter from XXX XXX XXXXX (or evidence XXX is the Borrower's spouse as required per XX/XX/XXXX of guidelines for joint accounts). | Change status of 'Asset Documents are Incomplete' from Active to Open Rebuttal.; Received Access Letter from XXX showing borrower has XXX % access to their joint account - XXX #XXX. Exception cleared. | 10/05/2022 | Received Access Letter from XXX showing borrower has XXX % access to their joint account - XXX #XXX. Exception cleared. | 10/05/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006860 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/02/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/02/2022 | A |
| 9006860 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/02/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/02/2022 | A |
| 9006663 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Cleared | 1245 | Credit | Transmittal Summary is Missing | The transmittal summary is Missing | Change status of 'Transmittal Summary is Missing' from Active to Open Rebuttal.; Received copy of XXX Amounts are slightly off - but DTI is within guidelines. Exception cleared. | 09/07/2022 | The transmittal summary is XXX | 09/07/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| 9006663 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/01/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| 9007191 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/29/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9007191 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/26/2022 | Cleared | 1434 | Credit | Hazard Insurance Effective Date is after the Note Date | The hazard insurance effective date of XX/XX/XXXX is after the note date of XX/XX/XXXX | Change status of 'Hazard Insurance Effective Date is after the Note Date' from Active to Open Rebuttal.; XX/XX/XXXX: Received email from insurance company stating that the policy had already been in effect with a normal renewal. Exception cleared. | 09/21/2022 | XX/XX/XXXX: Received email from insurance company stating that the policy had already been in effect with a normal renewal. Exception cleared. | 09/21/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | 3557 | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided.; Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. | Change status of 'Hazard Insurance Coverage is Not Sufficient.' from Active to Open Rebuttal.; The State of Florida enacted a statue effective XX/XX/XXXX that does not allow the insurance company to disclose guranteed replacement coverage or the replacement cost estimator. Exception cleared. | 09/13/2022 | Hazard insurance coverage is sufficient.; Hazard insurance coverage is sufficient. | 09/13/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/27/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9007183 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 2078 | Credit | Fraud Report is Only Partially Available | Partial fraud report provided. The Third Party Fraud Report provided omits the Appriaser, which is required to validate property information per Chapter XX/XX/XXXX (Fraud) of the XXX dated XXX XXX | Change status of 'Fraud Report is Only Partially Available' from Active to Open Rebuttal.; Received copy of LDP/GSA documentation | 10/12/2022 | Complete fraud report provided. | 10/12/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9007183 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 926 | Credit | Title Policy is Partial | Title policy is Partial. The title policy provided reflects coverage of XXX which is less than the loan amount of $XXX. | Change status of 'Title Policy is Partial' from Active to Open Rebuttal.; Received updated addendum confirming policy for $XXX. Exception cleared. | 09/06/2022 | Title policy is XXX | 09/06/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A C |
| 9006719 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | 896 | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXX and value used for LTV of XXX.; Per Lender Matrix XX/XX/XXXX, FICO XXX Max LTV is 75% for cash out refinance. Per lender approval page XXX min FICO XXX with max 75% LTV (see page XXX). Borrower's Qualifying FICO is XXX | Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Open Rebuttal.; Received LOX with copy of BS Guidelines dated XX/XX/XXXX. The loan was initially locked XX/XX/XXXX prior to change. We honored the max LTV 80%. Exception cleared. ; Per Lender Matrix XX/XX/XXXX, FICO XXX Max LTV is 75% for cash out refinance. Per lender approval page XXX min FICO XXX with max 75% LTV (see page XXX). Borrower's Qualifying FICO is XXX | 09/07/2022 | Original LTV of XXX adheres to the guideline maximum LTV of XXX. | 09/07/2022 | Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years C A |
| 9006719 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/28/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML Loan with established escrow and appraisal receive. Downgraded to a B. |  |  | HPML Compliant | 08/28/2022 | Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years C A |
| 9006719 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | 897 | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX.; Per Lender Matrix XX/XX/XXXX, FICO XXX Max LTV is 75% for cash out refinance. Per lender approval page XXX min FICO XXX with max 75% LTV (see page XXX). Borrower's Qualifying FICO is XXX | Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Open Rebuttal.; Received LOX with copy of BS Guidelines dated XX/XX/XXXX. The loan was initially locked XX/XX/XXXX prior to change. We honored the max LTV 80%. Exception cleared. ; Per Lender Matrix XX/XX/XXXX, FICO XXX Max LTV is 75% for cash out refinance. Per lender approval page XXX min FICO XXX with max 75% LTV (see page XXX). Borrower's Qualifying FICO is XXX | 09/07/2022 | Original CLTV of XXX adheres to the guideline maximum CLTV of XXX. | 09/07/2022 | Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years C A |
| 9007192 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Acknowledged | 3467 | Credit | Minimum Trade Line Requirement Not Met | Borrower(s) have not met the minimum tradeline requirement per lender guidelines. Per Chaper XX/XX/XXXX (Trade Lines) of the XXX dated XXX XXX "The Borrower(s) must have a minimum of three XXX trade lines that have been open for at least twelve XXX months." XXX of the Borrower's XXX trade lines have been open for XXX and XXX months, which does not meet the XXX month requirement. | Change status of 'Minimum Trade Line Requirement Not Met' from Active to Acknowledged by Client.; Received CRSE - Exception Type:Credit-Minimum Trade Lines. Guidelines - XXX Trade Lines open for XXX months. Actual - Only XXX open trade line open for XXX months. Rationale - Borrower has XXX other tradelines open for XXX months, and XXX others (now closed) that were open for XXX years each. Compensating Factors : Qualifying Credit Score is XXX; XXX% (Housing)//XXX% (Total); Payment decreasing by XXX; Reserves of XXX Months; Residual Income of $XXX; 0x30-last XXX months. Acknowledged by client. | 09/07/2022 |  | 09/07/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. D B A |
| 9007192 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 2078 | Credit | Fraud Report is Only Partially Available | Partial fraud report provided. The Third Party Fraud Report provided omits the Appraiser as required per Chapter XX/XX/XXXX (Fraud) of the XXX dated XXX XXX ("The report must cover standard areas of quality control including.. roperty information". | Change status of 'Fraud Report is Only Partially Available' from Active to Open Rebuttal.; Recieved LDP docs of Appraisal | 10/12/2022 | Complete fraud report provided. | 10/12/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. D B A |
| 9006836 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/31/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX A |
| 9006836 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. ; The loan is in compliance with all applicable laws and regulations. |  |  | The exception 'No Compliance Findings' is cleared. | 08/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX A |
| 9006836 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 2588 | Credit | Borrower 2 Income Verification is less than 12 months |  |  |  | Borrower 2 Income Verification of ___ is greater than XXX months. | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX A |
| 9006837 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/30/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 9006837 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Acknowledged | 3467 | Credit | Minimum Trade Line Requirement Not Met | Borrower(s) have not met the minimum tradeline requirement per lender guidelines. CRSE on page XXX cites an exception and approval for consumer debt not paid in full as of XXX XXX Credit report shows past due balance on page XXX | Change status of 'Minimum Trade Line Requirement Not Met' from Active to Acknowledged by Client.; CRSE - Exception Type: Credit-Payment History (Consumer Debt). Guidelines - Consumer Debt XXX mo; Actual - Debt. Rationale - Borrower paid Debt in full, and does not appear to be reporting post XX/XX/XXXX isolated incident. Compensating Factors : XXX% (Housing)//XXX% (Total); Payment decreasing by XXX; Reserves of XXX Months; Residual Income of $XXX; Isolated, and Paid for. Acknowledged by client. | 08/30/2022 |  | 08/30/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 9006838 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/31/2022 | A |
| 9006838 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/31/2022 | A |
| 9007138 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/30/2022 | Acknowledged | 1261 | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. The lender calculated XXX months business bank Statements using a tax preparer letter and XXX% expense ratio. Guidelines allow a minimum XXX% expense ratio using this method. Additionally, the business questionnaire is not signed or dated. | Change status of 'Borrower Income Verification does not match Approval' from Active to Acknowledged by Client.; Received CRSE - Exception Type:Income-Business Expense Ratio. Guideline - XXX% minimum expense factor; Actual XXX% expense factor used. Rationale - Exception granted to allow XXX% expense ratio. Please note, our guidelines allow XXX% minimum, but investor guidelines reflect minimum of XXX% allowed. so exception granted to meet investor requirements. Compensating Factors : Qualifying Credit Score is XXX; Reserves of XXX Months; Residual Income of $XXX. Acknowledged by client. | 09/27/2022 |  | 09/27/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9007138 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/30/2022 | Cleared | 1257 | Credit | Borrower Employment Verification does not meet guidelines | Unable to locate a VVOE for the borrowers' wage earner employment with XXX days prior to closing or at any point after closing. | Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Open Rebuttal.; Received copy of VOE dated XX/XX/XXXX showing borrower had been XXX since XX/XX/XXXX. Exception cleared. | 09/27/2022 | Received copy of VOE dated XX/XX/XXXX showing borrower had been XXX since XX/XX/XXXX. Exception cleared. | 09/27/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006675 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Cleared | 1245 | Credit | Transmittal Summary is Missing | The transmittal summary is Missing | Change status of 'Transmittal Summary is Missing' from Active to Open Rebuttal.; Received copy of final XXX Exception cleared. | 09/08/2022 | The transmittal summary is XXX | 09/08/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9006675 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML loan with established escrow and appraisal received. Downgraded to a B. |  |  | HPML Compliant | 08/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9006539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML loan with established escrow and appraisal received. Downgraded to a B. |  |  | HPML Compliant | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006790 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/31/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006790 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/02/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/02/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006856 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/31/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. A |
| 9006856 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/31/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. A |
| 9006552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/31/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XXX is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | Change status of 'Reimbursement Amount Test' from Active to Open Rebuttal.; Received copy of CD w/ corresponding COC dated XX/XX/XXXX. Updating loan accordingly. | 09/08/2022 | This loan passed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XXX is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | 09/08/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Total tolerance $ XXX due to Discount Points increase. Please provide COC, post CD or evidence of refund to borrower. | Change status of 'Charges That Cannot Increase Test' from Active to Open Rebuttal.; Received copy of CD w/ corresponding COC dated XX/XX/XXXX. Updating loan accordingly. ; Total tolerance $ XXX due to Discount Points increase. Please provide COC, post CD or evidence of refund to borrower. | 09/08/2022 | This loan passed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i) lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §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). | 09/08/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | -96368 | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test he loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. | Change status of 'Consummation or Reimbursement Date Validation Test' from Active to Open Rebuttal.; Received copy of CD w/ corresponding COC dated XX/XX/XXXX. Updating loan accordingly. | 09/08/2022 | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 09/08/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | -96346 | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding his loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report hile creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | Change status of 'TRID Monitor Timing of Disclosures Finding' from Active to Open Rebuttal.; Received copy of CD w/ corresponding COC dated XX/XX/XXXX. Updating loan accordingly. | 09/08/2022 | TRID Monitor Timing of Disclosures Finding his loan contains disclosures that do not fail one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report hile creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | 09/08/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | -96468 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation.; Per Disclosure Tracking Summary; missing Initial CD dated XX/XX/XXXX | Change status of 'Initial Closing Disclosure Delivery Date Test' from Active to Open Rebuttal.; Received copy of CD w/ corresponding COC dated XX/XX/XXXX. Updating loan accordingly. ; Per Disclosure Tracking Summary; missing Initial CD dated XX/XX/XXXX | 09/08/2022 | This loan passed the initial closing disclosure delivery date test.(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is not less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction he creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | 09/08/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006558 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/31/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006558 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | -96346 | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding his loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report hile creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | Change status of 'TRID Monitor Timing of Disclosures Finding' from Active to Revoked.; Duplicate finding. | 09/01/2022 | TRID Monitor Timing of Disclosures Finding his loan contains disclosures that do not fail one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report hile creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | 09/08/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006558 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | -96468 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation.; Per Disclosure Tracking Summary missing initial CD XX/XX/XXXX. | Change status of 'Initial Closing Disclosure Delivery Date Test' from Active to Open Rebuttal.; Received copy of CD w/ corresponding COC dated XX/XX/XXXX. Updating loan accordingly. ; Per Disclosure Tracking Summary missing initial CD XX/XX/XXXX. | 09/08/2022 | This loan passed the initial closing disclosure delivery date test.(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is not less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction he creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | 09/08/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006729 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/01/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006729 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006730 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006730 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/30/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006723 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/30/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006723 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/31/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006857 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/29/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. A |
| 9006857 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/29/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. A |
| 9006816 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX A |
| 9006816 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX A |
| 9006760 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 2335 | Credit | DSCR is less than guideline minimum |  |  |  | Qualifying DSCR of XXX meets guideline requirement. | 11/03/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006760 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/31/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006760 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/31/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006687 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML loan with established escrow and appraisal received. Downgaded to a B. |  |  | HPML Compliant | 08/30/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 9006687 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/02/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/02/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 9006749 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 2402 | Credit | All Interested Parties Not Checked against Exclusionary Lists | All Interested Parties Not Checked against Exclusionary Lists Missing appraiser and title company on Exclusionary List. | Change status of 'All Interested Parties Not Checked against Exclusionary Lists' from Active to Open Rebuttal.; Client conducts additional searches for all parties involved in a loan. Exception cleared. | 09/09/2022 | All Interested parties were checked and cleared with Exclusionary Lists | 09/09/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | -96348 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). |  |  | This loan passed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains lender credits that do not exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX exceeds or equals 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 n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | 09/06/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XXX is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. |  |  | This loan passed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XXX is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | 09/06/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/06/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/06/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006634 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 2110 | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | The lender did not calculate the co-borrower's income correctly. According the bank Statement calculation worksheet, a XXX% expense factor and XXX% ownership factor were applied. Per the CPA letter and bank Statement questionnaire provided, the ownership percentage is XXX% Audit applied this percentage which resulted in a qualifying monthly income of $XXX. In addition, audit included the taxes and insurance of the retained primary residence of $XXX. These changes resulted in a DTI of XXX% which exceeds the maximum of XXX% per lender guidelines. ; Received updated Income Calc Worksheet showing XXX% Ownership and XXX% Expense factor. DTI exception cleared. |  |  | Documentation provided to support Qualifying DTI below XXX. | 09/12/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006634 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/29/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006634 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 2402 | Credit | All Interested Parties Not Checked against Exclusionary Lists | All Interested Parties Not Checked against Exclusionary Lists. Fraud report is missing the search for the Appraiser XXX. | Change status of 'All Interested Parties Not Checked against Exclusionary Lists' from Active to Open Rebuttal.; Client conducts additional searches for all parties involved in a loan. Exception cleared. | 09/09/2022 | All Interested parties were checked and cleared with Exclusionary Lists | 09/09/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006634 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 1236 | Compliance | Affiliated Business Disclosure is Missing | The affiliate business disclosure is Missing | Change status of 'Affiliated Business Disclosure is Missing' from Active to Acknowledged by Client.; ; Non-material ; | 08/30/2022 | The affiliate business disclosure is XXX | 09/01/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006785 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. The lenders calculated the DSCR as1600/XXX=XXX using market rents from form 1007. The lender did not include both city and county taxes on the Lender Loan information addendum to the 1003. Audit finds the DSCR calculation to be $XXX/$XXX=XXX using market Rents from form 1007. | Change status of 'Borrower Income Verification does not match Approval' from Active to Open Rebuttal.; Received updated HOI Policy with final CD (signed by borrower XX/XX/XXXX) showing Insurance monthly payment of $XXX. Updating calculations. | 09/23/2022 | The borrower income verification does match approval | 09/23/2022 | Qualifying FICO is Greater than the Guideline Minimum - The compensating factor 'Qualifying FICO is Greater than the Guideline Minimum' is removed. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006785 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/29/2022 | Qualifying FICO is Greater than the Guideline Minimum - The compensating factor 'Qualifying FICO is Greater than the Guideline Minimum' is removed. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006785 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 894 | Credit | Underwriting FICO does not meet Guideline Minimum Required | Underwriting FICO of XXX is less than the minimum required guideline FICO of XXX DSCR of less than XX/XX/XXXX to XXX minimum requires a minmum fico of XXX.; Underwriting FICO of XXX is less than the minimum required guideline FICO of XXX | Change status of 'Underwriting FICO does not meet Guideline Minimum Required' from Active to Open Rebuttal.; Received updated HOI Policy with final CD (signed by borrower XX/XX/XXXX) showing Insurance monthly payment of $XXX. Updating calculations. | 09/23/2022 | Underwriting FICO of XXX is greater than or equql to the minimum required guideline FICO of XXX | 09/23/2022 | Qualifying FICO is Greater than the Guideline Minimum - The compensating factor 'Qualifying FICO is Greater than the Guideline Minimum' is removed. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006679 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006679 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/29/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006677 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML exception downgraded to B. Borrower was provided copy of Appraisal, received Right to Appraisal doc and IEAD set up. |  |  | HPML Compliant | 08/29/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006677 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006702 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; Escrow account established and appraisal receipt acknowledged within XXX days.; HPML exception downgraded to B. Borrower was provided copy of Appraisal, received Right to Appraisal doc and IEAD set up. |  |  | HPML Compliant | 09/13/2022 | Borrower has stable job time - Borrower has XXX years at job. C A |
| 9006702 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 3522 | Property | Appraiser's License was Inactive at time of origination | Appraiser's License was Inactive at time of origination. Per ASC ov Appraiser XXX XXXXX's effective date of license is XX/XX/XXXX. Appraisal effective date is XX/XX/XXXX. ASC website or XXX State licensing website does not provide prior renewal dates. A history of continuing education courses is available on the sate website, but unable to locate concrete evidence that the license was valid at the time of the appraisal. | Change status of 'Appraiser's License was Inactive at time of origination' from Active to Open Rebuttal.; Received copy of Certificate of License History for Appraiser. Shows License Status is active with expiration date of XX/XX/XXXX. Exception cleared. | 09/09/2022 | The exception 'Appraiser's License was Inactive at time of origination' is cleared. | 09/09/2022 | Borrower has stable job time - Borrower has XXX years at job. C A |
| 9006702 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 3524 | Compliance | Higher-Priced Mortgage Loan Appraiser License Status Alert (12 CFR 1026.35(c)(1)) | Loan is a Higher-Priced Mortgage Loan and Appraiser's license status was Inactive at time of origination. | Change status of 'Higher-Priced Mortgage Loan Appraiser License Status Alert (12 CFR 1026.35(c)(1))' from Active to Open Rebuttal.; Received copy of Certificate of License History for Appraiser. Shows License Status is active with expiration date of XX/XX/XXXX. Exception cleared. | 09/09/2022 | The exception 'Higher-Priced Mortgage Loan Appraiser License Status Alert (12 CFR 1026.35(c)(1))' is cleared. | 09/09/2022 | Borrower has stable job time - Borrower has XXX years at job. C A |
| 9006490 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006490 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006490 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 2587 | Credit | Borrower Income Verification is less than 12 months |  |  |  | Income Verification of ___ is greater than XXX months. | 11/03/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006739 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 926 | Credit | Title Policy is Partial | Title policy is Partial. Please provide Final Title Policy with Item #XXX "XXX" removed from title. | Change status of 'Title Policy is Partial' from Active to Open Rebuttal.; Received written up copy of the commitment omitting Item #XXX on final policy. Exception cleared. | 09/14/2022 | Title policy is XXX | 09/14/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006739 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/27/2022 | Cleared | 1245 | Credit | Transmittal Summary is Missing | The transmittal summary is Missing | Change status of 'Transmittal Summary is Missing' from Active to Open Rebuttal.; Received copy of Final XXX Reviewed calculations - similar but not complete match. DSCR loan - DTI not required. | 09/08/2022 | The transmittal summary is XXX | 09/08/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006739 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/01/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006489 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | -96468 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Change status of 'Initial Closing Disclosure Delivery Date Test' from Active to Open Rebuttal.; Received copy of Closing Disclosure dated XX/XX/XXXX. Updating loan accordingly. | 09/06/2022 | This loan passed the initial closing disclosure delivery date test.(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is not less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction he creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | 09/06/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006489 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | -96346 | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding his loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report hile creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation.; The initial CD dated XX/XX/XXXX is missing from the loan file. | Change status of 'TRID Monitor Timing of Disclosures Finding' from Active to Open Rebuttal.; Received copy of Closing Disclosure dated XX/XX/XXXX. Updating loan accordingly. ; The initial CD dated XX/XX/XXXX is missing from the loan file. | 09/06/2022 | TRID Monitor Timing of Disclosures Finding his loan contains disclosures that do not fail one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report hile creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | 09/06/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006489 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Acknowledged | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial: Exception to guidelines: No collections in the last XXX mos. Borrower has a collection from XXX in the amount of XXX dated XX/XX/XXXX that is not showing as paid either. | Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Acknowledged by Client.; Received updated CRSE - Exception Type:Credit-Judgements/Collections/Tax Liens. Guideline - None allowed in past two years. Actual - recent collection XXX/XXX. Rationale - Borrower has sufficent funds to pay off XXX utility collection. Compensating Factors : XXX% (Housing(// XXX% (Total); Borr with employer for XXX years; Payment decreasing by XXX; Reserves of XXX Months; Residual Income of $XXX; 0x30 - last XXX months. Acknowledged by client. | 09/07/2022 |  | 09/07/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006769 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 3437 | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. Per Lender Guidelines N/A loan amount is less than $XXX. |  |  | Third Party Valuation Product Provided; CU Score XXX No Secondary Valuation required | 09/02/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more. |  |  | HPML Compliant | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006493 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Acknowledged | 2572 | Credit | Final Loan Application is Not Executed | Final Loan Application is Not Executed; Final 1003 with Loan Officer signature was not located in loan file. |  |  | Non-material | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006689 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Acknowledged | 1236 | Compliance | Affiliated Business Disclosure is Missing | The affiliate business disclosure is Missing |  |  |  | 08/31/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006689 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/02/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/02/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006638 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/02/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006638 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/02/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006610 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006610 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Acknowledged | 1462 | Credit | Liquid Reserves are less than Guidelines Required | The liquid reserves of XX/XX/XXXX months or XXX are less than the Guidelines minimum required of XX/XX/XXXX or $XXX.; Client proivded a guidelines exception allowing for XX/XX/XXXX months reserves based on XXX FICO, XXX% Housing Ratio of XXX% Total and Residual income of XXX | Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client.; Per CRSE - Exception Type:Reserves. Guideline - Minimum Reserves: XXX months - HALO; Actual - Reserves:XXX. Rationale - XXX mth short reserves. Compensating Factors : Qualifying Credit Score is XXX; XXX% (Housing Ratio) or XXX% (Total); Residual Income of $XXX; Manager Approved <XXX mth short reserves. Acknowledged by client. | 09/12/2022 |  | 09/13/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML Loan with established escrows and appraisal requirements have been met. |  |  | HPML Compliant | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Cleared | 3557 | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided.; Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. | Change status of 'Hazard Insurance Coverage is Not Sufficient.' from Active to Open Rebuttal.; Received copy of RCE dated XX/XX/XXXX. Updating loan accordingly. | 09/13/2022 | Hazard insurance coverage is sufficient.; Hazard insurance coverage is sufficient. | 09/13/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006606 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006606 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006606 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Acknowledged | 3467 | Credit | Minimum Trade Line Requirement Not Met | Borrower(s) have not met the minimum tradeline requirement per lender guidelines. There is an approved exception for a XXX consumer debt (XXX). | Change status of 'Minimum Trade Line Requirement Not Met' from Active to Acknowledged by Client.; Client provided a guideline exception allowing for XXX based on a letter in file stating South State was never late and is an error on the credit report, DTI of XXX% FICO of XXX reserves of XXX months, borrower with same employer/business for XXX years. | 09/01/2022 |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9007184 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Acknowledged | 3467 | Credit | Minimum Trade Line Requirement Not Met | Borrower(s) have not met the minimum tradeline requirement per lender guidelines. Per the XXX dated XXX XXX XX/XX/XXXX (Trade LInes), at least one XXX trade line must be a primary residential mortgage reporting for a minium of twelve XXX months. The borrowers credit report does not reflect a primary residential mortgage reporting for a minium of twelve XXX months | Change status of 'Minimum Trade Line Requirement Not Met' from Active to Acknowledged by Client.; Received CRSE - Exception Type:Other-Program. Guideline - primary mortgage history. Actual - none-no mortgage. Rationale - exception for no primary mortgage pay history. Sean approved this file with no primary mortgage at initial underwrite. See email in the emails & misc notes folder. Compensating Factors : Qualifying Credit Score is XXX; XXX% (Housing) // XXX% (Total); Payment decreasing by XXX; Reserves of XXX Months; Residual Income of XXX Acknowledged by client. | 09/09/2022 |  | 09/09/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9007184 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/31/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006623 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/28/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/28/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006623 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/28/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML with established escrow and met appraisal requuirements owngraded to a B. |  |  | HPML Compliant | 08/28/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006598 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006598 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/28/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML with established escrows and met appraisal requirements. |  |  | HPML Compliant | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006598 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006840 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/28/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/28/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years C A |
| 9006840 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/28/2022 | Cleared | 3466 | Property | Appraisal guideline violation | Appraisal guideline violation: Appraisal transfer letter is missing. The appraisal is dated XX/XX/XXXX and the Initial application date is XXX/XXX. | Change status of 'Appraisal guideline violation' from Active to Open Rebuttal.; Received LOX with screenshots of client's system. The Appraisal is not transferred as it is in XXX's name. The Bwr had a loan with us previously and the loan was withdrawn, (different loan # XXX) but for the same address. Reviewed the screenshot - exception cleared. | 09/12/2022 | Appraisal guideline violation is now acceptable. | 09/12/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years C A |
| 9006590 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Cleared | 3467 | Credit | Minimum Trade Line Requirement Not Met | Borrower(s) have not met the minimum tradeline requirement per lender guidelines. XXX trde lines reporting for XXX months: or XXX tradelines reporting for XXX months with activity in the past XXX months. | Change status of 'Minimum Trade Line Requirement Not Met' from Active to Acknowledged by Client.; Client provided a guideline exception allowing for XXX month history and XXX month history open tradelines based on Borrower has excellent credit history. | 09/01/2022 | Borrower(s) have met the minimum tradeline requirement per lender guidelines. | 09/12/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006590 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006590 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/28/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; Non material. |  |  | HPML Compliant | 08/28/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006590 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Cleared | 2578 | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines.; Lender did not verify Borrower XXX rent payment. Frost account #XXX on page XXX is an online printout with no Borrower name. This account is not listed on the final URLA. | Change status of 'Housing history does not meet guidelines' from Active to Open Rebuttal.; Received LOX - "If you review the Transfers on Bwrs Frost acct #XXX you will find that the Bwr is making internet transfers to Frost acct #XXX and confirm the deposits match the info on the Frost acct #XXX." Reviewed Direct Deposit for rent payments screen showing XXX full months of payments. Spot checked the amounts with bank Statements - confirm. Exception cleared. ; Lender did not verify Borrower XXX rent payment. Frost account #XXX on page XXX is an online printout with no Borrower name. This account is not listed on the final URLA. | 09/12/2022 | Housing delinquency meets guidelines. | 09/15/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006744 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/28/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/28/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006744 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 2571 | Credit | Final Loan Application is Partial | Final Loan Application is Partial; Ethnicity for B2 left blank on Final 1003. | Change status of 'Final Loan Application is Partial' from Active to Open Rebuttal.; Received updated 1003 - verified input by reviewing the initial 1003. Exception cleared. ; Ethnicity for B2 left blank on Final 1003. | 09/08/2022 | Final Loan Application is XXX | 09/08/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006744 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 926 | Credit | Title Policy is Partial |  | Change status of 'Title Policy is Partial' from Active to Open Rebuttal.; Received updated Supplemental Report showing XXX. Exception cleared. ; Supplemental prelim report, page XXX has incorrect authorized signer as Jum Chiu; should be XXX; lender to provide corrected update. | 09/08/2022 | Title policy is XXX | 09/08/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006656 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 09/01/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. The borrower owns XXX properties free and clear per LOX in file. However, no evidence was provided to confirm these properties are not encumbered. | Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Open Rebuttal.; Received copies of SiteX reviews for the XXX free and clear properties (including primary residence). Exception cleared. | 09/13/2022 | Borrower liabilities verified indicator is XXX | 09/13/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9006656 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/27/2022 | Cleared | 2578 | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Borrower owns XXX properties free and clear and just financed XXX new purchased investment properties shortly before the subject. "Rent Free" is not permitted. Borrower has no previous mortgage payment history documented in the file. | Change status of 'Housing history does not meet guidelines' from Active to Open Rebuttal.; Received copies of SiteX reviews for the XXX free and clear properties (including primary residence). Guidelines confirm - F&C primary is allowed. Exception cleared. | 09/13/2022 | Housing delinquency meets guidelines. | 09/13/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9006527 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006527 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006538 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/28/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML with established escrows and met appraisal requirements. |  |  | HPML Compliant | 09/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006635 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006841 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006841 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/28/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/28/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006726 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/29/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006671 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | 2352 | Compliance | Mortgage not recorded |  |  |  | Mortgage is recorded | 09/01/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006671 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006671 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/01/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006817 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006817 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/28/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX.; Third Party Valuation Product Not Provided and CU Score is XXX.; Per Lender Guidelines, XXX loan amount is less than XXX and FHLMC Rep & Warrant is Eligible. Exception cleared. |  |  | Third Party Valuation Product Provided; R& W eligible, No Secondary Valuation required; | 09/02/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006817 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/28/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/28/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/02/2022 | Cleared | 1228 | Compliance | eSigned Documents Consent is Missing | The eSigned documents consent is Missing. | Change status of 'eSigned Documents Consent is Missing' from Active to Open Rebuttal.; Received eSigned documentation signed by borrower on XX/XX/XXXX. Exception cleared. | 09/12/2022 | The eSigned documents consent is XXX. | 09/12/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. ; The loan is in compliance with all applicable laws and regulations. |  |  | The exception 'No Compliance Findings' is cleared. | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/02/2022 | Cleared | 1226 | Compliance | Intent to Proceed is Missing | The intent to proceed is Missing; Listed on Disclosure Summary (pg XXX) but executed document not in flle. | Change status of 'Intent to Proceed is Missing' from Active to Open Rebuttal.; Received copy of Intent to Proceed dated XX/XX/XXXX. Exception cleared. ; Listed on Disclosure Summary (pg XXX) but executed document not in flle. | 09/12/2022 | The intent to proceed is received. | 09/12/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006844 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/27/2022 | Cleared | 3557 | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. | Change status of 'Hazard Insurance Coverage is Not Sufficient.' from Active to Open Rebuttal.; Received copy of HOI Policy confirming basic information. Per appraisal, cost to rebuild is estimated at XXX Coverage is sufficient. | 09/12/2022 | Hazard insurance coverage is sufficient. | 09/12/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006844 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 2213 | Property | Third Party Valuation Product not Provided. | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX% |  |  | Third Party Valuation Product Provided | 09/09/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006844 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/29/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006646 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML loan with established escrow & appraisal received. Downgrade to B |  |  | HPML Compliant | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006556 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML loan with established escrow & appraisal received. Downgrade to B |  |  | HPML Compliant | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006556 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006559 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 |  | Change status of 'Third Party Valuation Product Not Provided and CU Score is Greater Than XXX' from Acknowledged by Client to Active.; R&W Eligible, no Secondary product required; Change status of 'Third Party Valuation Product Not Provided and CU Score is Greater Than XXX' from Active to Acknowledged by Client.; Per Lender Guidelines, XXX. FHLMC Rep & Warrant is Eligible. Exception cleared. | 09/02/2022 | Third Party Valuation Product Provided. | 09/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006559 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; Borrower received Right to Appraisal XX/XX/XXXX and copy of Appraisal was delivered to the borrower on XX/XX/XXXX. IEAD set up. |  |  | HPML Compliant | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006559 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 2572 | Credit | Final Loan Application is Not Executed | Final Loan Application is Not Executed; Final 1003 with Loan Officer signature was not located in loan file. | Change status of 'Final Loan Application is Not Executed' from Active to Open Rebuttal.; Received LOX - The loan officer does not sign the Final 1003 - the loan officer signes the initial application. Reveiwed initial application - Officer signed. Exception cleared. ; Final 1003 with Loan Officer signature was not located in loan file. | 09/08/2022 | Final Loan Application is XXX | 09/08/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006566 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. A |
| 9006566 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. A |
| 9006700 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 9006700 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML loan with established escrow and appraisal received |  |  | HPML Compliant | 08/29/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 9006579 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/02/2022 | Acknowledged | 2578 | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines xception approval in file for VOM- which is not allowed for credit scores under XXX and XXX months pay history | Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.; CRSE shows - Exception Type:Credit-Payment History (Housing). Guideline - VOM not allowed on credit under XXX Actual - VOM and 10m payment history provided. Rationale - XXX months history shown on bank Statement owner verified all payments made and proper notification given. Abundance of assets provided in file, DTI well below max and residual income is plentiful. Compensatinf Actors : XXX% (Housing) // XXX% (Total); Reserves of XXX months; Residual Income of $XXX; 0x30-last XXX months. Acknowledged by client. | 09/12/2022 |  | 09/12/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006579 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/02/2022 | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. Missing CPA letter confirming ownership percentage | Change status of 'Borrower Income Verification does not match Approval' from Active to Open Rebuttal.; Received LOX - Guidelines State Existence of Business can be verified in various ways. CPA is not required if additional search documents are reviewed/provided. Confirmed - exception cleared. | 09/14/2022 | The borrower income verification does match approval | 09/14/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006555 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 1257 | Credit | Borrower Employment Verification does not meet guidelines | CPA letter onpage XXX is outdated, XX/XX/XXXX; lender to provide an updated CPA letter. | Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Open Rebuttal.; Received LOX - CPA letter is not required if additional business documentation is provided during the review process. Confirmed - additional documentation provided. Exception cleared. | 09/12/2022 | The exception 'Borrower Employment Verification does not meet guidelines' is cleared. | 09/12/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006555 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML with established escrows and met appraisal requirements. |  |  | HPML Compliant | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006555 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006691 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/31/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. A |
| 9006691 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/31/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. A |
| 9006845 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 2402 | Credit | All Interested Parties Not Checked against Exclusionary Lists | All Interested Parties Not Checked against Exclusionary Lists Missing title company and appraiser on Exclusionary List. ; Received guidance. Title company/closing agent not material to transaction. No search required. |  |  | All Interested parties were checked and cleared with Exclusionary Lists | 09/02/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006845 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/31/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006845 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/31/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006846 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/02/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/02/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006846 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/02/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/02/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | -96468 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation.; File missing Initial CD XX/XX/XXXX missing | Change status of 'Initial Closing Disclosure Delivery Date Test' from Active to Open Rebuttal.; Received initial Closing Disclosure dated XX/XX/XXXX. Updating loan accordingly. ; File missing Initial CD XX/XX/XXXX missing | 09/12/2022 | This loan passed the initial closing disclosure delivery date test.(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is not less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction he creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | 09/12/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML loan with established escrow and appraisal received |  |  | HPML Compliant | 09/12/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | -96346 | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding his loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report hile creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation.; File missing Initial CD XX/XX/XXXX missing | Change status of 'TRID Monitor Timing of Disclosures Finding' from Active to Open Rebuttal.; Received initial Closing Disclosure dated XX/XX/XXXX. Updating loan accordingly. ; File missing Initial CD XX/XX/XXXX missing | 09/12/2022 | TRID Monitor Timing of Disclosures Finding his loan contains disclosures that do not fail one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report hile creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | 09/12/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/28/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/28/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/02/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. | Change status of 'Third Party Valuation Product Not Provided and CU Score is Greater Than XXX' from Active to Revoked.; NA - XXX appraisals in file | 11/02/2022 | Third Party Valuation Product Provided. | 11/03/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006597 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/31/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006597 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/31/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006564 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/28/2022 | Acknowledged | -97038 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))<br> Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.<br> While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML Compliant | 09/12/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006564 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006564 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/28/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; Escrow account established and appraisal receipt acknowledged within XXX days. |  |  | HPML Compliant | 09/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006564 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Acknowledged | 3436 | Credit | Payment shock exceeds lender guidelines | Payment shock of XXX% exceed the maximum allowable of XXX% Lender approved exception on page XXX | Change status of 'Payment shock exceeds lender guidelines' from Active to Acknowledged by Client.; | 09/01/2022 |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006847 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006847 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006818 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 2515 | Credit | Note is not executed by all borrowers | Note is not executed by all borrowers. Final NOTE Missing for XXX XXXXX | Change status of 'Note is not executed by all borrowers' from Active to Open Rebuttal.; Copy of Note dated XX/XX/XXXX received. | 09/07/2022 | Note is executed by all borrowers | 09/07/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years D C A |
| 9006818 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/02/2022 | Acknowledged | 2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. | Change status of 'DSCR is less than guideline minimum' from Active to Acknowledged by Client.; CRSE - Exception Type:DSCR. Guideline - DSCR=Gross Rent / PITI; Actual - Gross Rent: XXX Initial Max Total Payment: XXX Debt Service Ratio: XXX. Compensating Factors : 0x30-last XXX months; XXX FICO. Acknowledged by client. | 09/02/2022 |  | 09/02/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years D C A |
| 9006818 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/27/2022 | Cleared | 2570 | Credit | Final Loan Application is Missing | Final loan application is Missing; Final loan application is Missing | Change status of 'Final Loan Application is Missing' from Active to Open Rebuttal.; Copy of Final 1003 signed XX/XX/XXXX received. | 09/07/2022 | Final loan application is XXX; Final loan application is XXX | 09/07/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A C |
| 9006818 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 1341 | Credit | Prepayment Penalty Indicator is Missing | Prepayment Penalty Indicator is Missing | Change status of 'Prepayment Penalty Indicator is Missing' from Active to Open Rebuttal.; Copy of Note dated XX/XX/XXXX received. | 09/07/2022 | Prepayment Penalty Indicator is received. | 09/07/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A C |
| 9006818 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 1462 | Credit | Liquid Reserves are less than Guidelines Required | The liquid reserves of XX/XX/XXXX months or XXX are less than the Guidelines minimum required of XX/XX/XXXX or $XXX. Lender exception granted for minimum reservesof XXX; Per CRSE, Reserves of XXX Months is Acknowledged. Unable to determine final cash to close - missing final CD. Will update once documenation is provided. |  |  | The liquid reserves of XX/XX/XXXX months or XXX is greater than or equal to the Guidelines minimum required of XX/XX/XXXX or $XXX. | 09/07/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years D C A |
| 9006818 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/27/2022 | Cleared | 927 | Compliance | Security Instrument Indicator is Missing | The security instrument indicator is Missing; The security instrument indicator is Missing | Change status of 'Security Instrument Indicator is Missing' from Active to Open Rebuttal.; Copy of Mortgage dated XX/XX/XXXX received. | 09/07/2022 | The security instrument indicator is XXX; The security instrument indicator is XXX | 09/07/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A C |
| 9006818 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/27/2022 | Cleared | 1311 | Compliance | The file does not contain any copies of the Closing Disclosure(s). Unable to test for TRID tolerance. | The file does not contain any copies of the Closing Disclosure(s). Unable to test for TRID tolerance.; The file does not contain any copies of the Closing Disclosure(s). Unable to test for TRID tolerance. | Change status of 'The file does not contain any copies of the Closing Disclosure(s). Unable to test for TRID tolerance.' from Active to Open Rebuttal.; Final CD dated XX/XX/XXXX received. | 09/07/2022 | The file contains at least one copy of a Closing Disclosure. ; The file contains at least one copy of a Closing Disclosure. | 09/07/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years D C A |
| 9006818 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/27/2022 | Cleared | 395 | Credit | Note Document Indicator is Missing | Note document indicator is Missing; Note document indicator is Missing | Change status of 'Note Document Indicator is Missing' from Active to Open Rebuttal.; Copy of Note dated XX/XX/XXXX received. | 09/07/2022 | Note document indicator is ___ in trailing docs page XXX; Note document indicator is XXX | 09/07/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A C |
| 9006818 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/02/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/02/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A C |
| 9006525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/02/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006603 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Acknowledged | 3466 | Property | Appraisal guideline violation | Appraisal guideline violation: Appraisal made to XXX - pre-dates application. Appraisal transfer provided. Exception approval and acknowledged by client based on credit score XXX; stable employment history and credit history. | Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client.; Appraisal guideline violation: Appraisal made to XXX - pre-dates application. Appraisal transfer provided. Exception approval and acknowledged by client based on credit score XXX; stable employment history and credit history. | 08/30/2022 |  | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006603 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/26/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006641 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; Escrow account established and appraisal receipt acknowledged within XXX days |  |  | HPML Compliant | 09/12/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006641 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Acknowledged | 2578 | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Borrower has been 1X30 on primary home XX/XX/XXXX and then again on another home that was sold in Janualry XXX with rolling XXX x XXX late paayments from XX/XX/XXXX - XXX/XXX. Max number per guidelines is XXX x XXX over last XXX months. | Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.; Received CRSE : Other:Credit. Housing 4x30<XXX mos. Borr is selling home and significantly downsizing. Compensating Factors : decreasing approx XXX per month; 50% LTV; XXX mos PITIA reserves; XXX yer s/e business. Acknowledged by client. | 09/12/2022 |  | 09/12/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006641 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | -96365 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).; COC located for Settlement Fee (pg XXX). |  |  | This loan passed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX do not exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | 09/12/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006641 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XXX is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; COC located for Settlement Fee (pg XXX). |  |  | This loan passed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XXX is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | 09/12/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006600 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/02/2022 | Cleared | 3437 | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible.; Per Lender Guidelines, XXX. CU score is XXX. Exception cleared. | Change status of 'Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable.' from Active to Revoked.; Per Lender Guidelines, XXX. CU score is XXX.; Per Lender Guidelines, XXX. CU score is XXX. Exception cleared. | 09/02/2022 | Third Party Valuation Product Provided. | 11/03/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006600 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/02/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006600 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/02/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006770 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/28/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/28/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006770 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/28/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/28/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006793 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/28/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/28/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006793 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/28/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/28/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006794 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/02/2022 | Cleared | 3437 | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | Change status of 'Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable.' from Active to Revoked.; Per Lender Guidelines, XXX loan amount is less than $XXX. | 09/02/2022 | Third Party Valuation Product Provided. | 09/09/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. D A |
| 9006794 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/02/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/02/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. D A |
| 9006794 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/02/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | The exception 'No Credit Findings' is cleared. | 09/02/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. D A |
| 9006794 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; R&W reflects not Eligible; Third Party Valuation Product Provided to Support Origination Appraised Value within XXX% |  |  | Third Party Valuation Product Provided | 09/09/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. D A |
| 9006795 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/31/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006795 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/31/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006602 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Acknowledged | 894 | Credit | Underwriting FICO does not meet Guideline Minimum Required | Underwriting FICO of XXX is less than the minimum required guideline FICO of XXX | Change status of 'Underwriting FICO does not meet Guideline Minimum Required' from Active to Acknowledged by Client.; Fico of XXX does not meet guidelines min of XXX for Cash out over 300k. Client exception approval based on no derog credit since inception; residual income of 40k is greater than program min XXX; XXX years employment at current job | 08/30/2022 |  | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006602 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Acknowledged | 896 | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXX and value used for LTV of XXX. | Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.; LTV exceeds max allowed by programs. Client exception approval based on no derog credit since inception; residual income of 40k is greater than program min XXX; XXX years employment at current job | 08/30/2022 |  | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006602 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Acknowledged | 897 | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX. | Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.; CLTV exceeds max allowed by programs. Client exception approval based on no derog credit since inception; residual income of 40k is greater than program min XXX; XXX years employment at current job | 08/30/2022 |  | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006501 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/31/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006501 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Appraisal increase for XX/XX/XXXX LE provided COC with invalid cause for increase. Appraiser was aware of property status based on COC provided XX/XX/XXXX. Addition of recertifications to CD dated XX/XX/XXXX invalid as notice was provided during XX/XX/XXXX appraisal that recertification required. Cure outstanding. Cure requirements include PCCD, letter of explanation, copy of refund check, and proof of mailing. |  |  | This loan passed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i) lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §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). | 08/31/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006501 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XXX is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. |  |  | This loan passed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XXX is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | 08/31/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006501 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | -96368 | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test he loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. |  |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 08/31/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006501 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006632 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/26/2022 | Cleared | 3557 | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. | Change status of 'Hazard Insurance Coverage is Not Sufficient.' from Active to Open Rebuttal.; Received LOX with copy of Appraisal - The appraisal estimates replacement cost - new as XXX which is less than the dwelling coverage of XXX Therefore, dwelling coverage is allowable. Updating loan accordingly. | 09/06/2022 | Hazard insurance coverage is sufficient. | 09/06/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006632 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/28/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML loan with established escrow and appraisal recieved |  |  | HPML Compliant | 08/28/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006796 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/31/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. A |
| 9006796 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/31/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. A |
| 9006713 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/28/2022 | Cleared | -96346 | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding his loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report hile creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. |  |  | Finding n/a | 08/28/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006713 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/31/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006797 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/27/2022 | Cleared | 3437 | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | Change status of 'Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable.' from Active to Revoked.; Per Lender Guidelines, XXX loan amount is less than $XXX. | 08/27/2022 | Third Party Valuation Product Provided. | 09/09/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006797 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/27/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/27/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006797 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/26/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XX/XX/XXXX Secondary valuation required | Change status of 'Third Party Valuation Product Not Provided and CU Score is Greater Than XXX' from Revoked to Active.; Secondary valuation required | 09/02/2022 | Third Party Valuation Product Provided. | 09/09/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006797 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/27/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/27/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006797 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/26/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Secondary valuation required | Change status of 'Third Party Valuation Product not Provided' from Revoked to Active.; Secondary valuation required | 09/02/2022 | Third Party Valuation Product Provided | 09/09/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006698 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006698 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Acknowledged | 3415 | Credit | Loan amount is less than the minimum required loan amount | Loan amount of XXX is less than the minimum required loan amount of XXX. ; Guidelines require a minimum loan amount of XXX fo this program. CRSE cites the exception and approval. | Change status of 'Loan amount is less than the minimum required loan amount' from Active to Acknowledged by Client.; Per CRSE - Loan Amount: Less than minimum allowed by program. Actual - XXX Compensating Factors - XXX (prog min XXX); Non since inception (XXX); $10k (Prog min $XXX). Acknowledged by client. | 08/30/2022 |  | 08/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006755 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 3437 | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  |  | Third Party Valuation Product Provided. | 09/09/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006755 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/27/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 09/09/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006755 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/27/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; CU Score is XXX; R&W Relief is Not Eligible. Per guidelines, TPV required on all Investment - Cash-Out loans. |  |  | Third Party Valuation Product Provided | 09/09/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006755 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/27/2022 | Acknowledged | 3415 | Credit | Loan amount is less than the minimum required loan amount | Loan amount of XXX is less than the minimum required loan amount of XXX. ; CRSE on page XXX cites the exception. Guidelines State the loan amount minimum for a DSCR loan is XXX CRSE has the exception approval. | Change status of 'Loan amount is less than the minimum required loan amount' from Active to Acknowledged by Client.; CRSE - Loan Amount: less than minimum allowed by program. Actual verified - XXX Compensating Factors : Reserves - XXX months. Acknowledged by client. | 08/30/2022 |  | 08/30/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006755 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Acknowledged | 894 | Credit | Underwriting FICO does not meet Guideline Minimum Required | Underwriting FICO of XXX is less than the minimum required guideline FICO.; CRSE on page XXX cites an exception and approval for a FICO deficiency. XXX XXX guidelines have a Minimum FICO score that would qualify. | Change status of 'Underwriting FICO does not meet Guideline Minimum Required' from Active to Acknowledged by Client.; CRSE - Credit Score does not meet program requirments. Actual Verified - XXX Compensating Factors : Reserves XXX months. Acknowledged by client. | 08/30/2022 |  | 08/30/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006755 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/29/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| 9006565 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006565 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006756 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/28/2022 | Acknowledged | 2578 | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Per Lender GLs - Mortgage pay history XXX x XXX x XXX with no mortgage lates in months XXX-XXX. • FTHB not allowed – borrower must own a primary residence. Borrower has no mtgs reporting on credit report. Borrower's primary residence at XXX XXX XXX XXX is owned by Borrower's XXX, who is not on this loan. Note page XXX property report page XXX do not list Borrower as owner of primary residence. Lender received XXX months proof of mtg payments using XXX's Bank Statements and online printout. See page XXX-XXX. Borrower is not listed on the Bank Statements. There is no exception in file to waive Borrower's mortgage history requirement per lender GLs. | Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.; Received CRSE : Credit:Housing History (mortgage/rent) requirements not met. Actual - Mtg is in Bwrs Spouse's name. Comments - At least XXX trade line must be a primary residential mortgage reporting for a minimum of XXX months. Coimpensating Factors : No lates with consumer credit; Low LTV; Exceeds Min Required. Acknowledged by client. | 09/12/2022 |  | 09/12/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006756 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/28/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/28/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006756 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/28/2022 | Acknowledged | 3467 | Credit | Minimum Trade Line Requirement Not Met | Borrower(s) have not met the minimum tradeline requirement per lender guidelines. Lender GLs XX/XX/XXXX Trade Lines - At least one XXX trade line must be a primary residential mortgage reporting for a minimum of twelve (XXX onths. Borrower has no mtgs reporting on credit report. Borrower's primary residence at XXX XXX XXX XXX is owned by Borrower's XXX, who is not on this loan. Note page XXX property report page XXX do not list Borrower as owner of primary residence. Lender received XXX months proof of mtg payments using XXX's Bank Statements and online printout. See page XXX-XXX. Borrower is not listed on the Bank Statements. There is no exception in file to waive Borrower's tradeline requirement per lender GLs. | Change status of 'Minimum Trade Line Requirement Not Met' from Active to Acknowledged by Client.; Received CRSE : Credit:Housing History (mortgage/rent) requirements not met. Actual - Mtg is in Bwrs Spouse's name. Comments - At least XXX trade line must be a primary residential mortgage reporting for a minimum of XXX months. Coimpensating Factors : No lates with consumer credit; Low LTV; Exceeds Min Required. Acknowledged by client. | 09/12/2022 |  | 09/12/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/28/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/28/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/31/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9007137 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | -99944 | Compliance | Late Fees Test | This loan failed the late fees test he loan has late fees that do not conform to the requirements for the lender's license type in the State where the property is located or loans with a date creditor received application before XXX XXX:When a scheduled payment in a consumer credit transaction is in default XXX days or more, the creditor may charge and collect a late charge not exceeding the greater of ten dollars XXX or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §XXX-XXX-XXX(a) or loans with a date creditor received application on or after XXX XXX:When a scheduled payment in a consumer credit transaction is in default XXX days or more, the creditor may charge and collect a late charge not exceeding the greater of eighteen dollars XXX or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §XXX-XXX-XXX(a) LEASE NOTE: Certain States impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, ComplianceAnalyzer® will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment. | Change status of 'Late Fees Test' from Active to Open Rebuttal.; Received updated CD showing Late Fee cannot exceed XXX Updating loan accordingly. | 10/12/2022 | This loan passed the late fees test he loan has late fees that conform to the requirements for the lender's license type in the State where the property is located or loans with a date creditor received application before XXX XXX:When a scheduled payment in a consumer credit transaction is in default XXX days or more, the creditor may charge and collect a late charge not exceeding the greater of ten dollars XXX or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §XXX-XXX-XXX(a) or loans with a date creditor received application on or after XXX XXX:When a scheduled payment in a consumer credit transaction is in default XXX days or more, the creditor may charge and collect a late charge not exceeding the greater of eighteen dollars XXX or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §XXX-XXX-XXX(a) LEASE NOTE: Certain States impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, ComplianceAnalyzer® will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment. | 10/12/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years C A |
| 9007137 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML loan with established escrows and met appraisal requirements. |  |  | HPML Compliant | 10/12/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years C A |
| 9007137 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 3531 | Compliance | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | Evidence of Appraisal Delivery to the Borrower Not Provided.; Missing receipt of appraisal disclosure. |  |  | Evidence of Appraisal Delivery to the Borrower Provided. | 08/30/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years C A |
| 9007137 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/30/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years C A |
| 9007137 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | The exception 'No Compliance Findings' is cleared. | 08/30/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years C A |
| 9006492 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; Escrow account established and appraisal receipt acknowledged within XXX days |  |  | HPML Compliant | 09/14/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006492 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Cleared | 1246 | Credit | Transmittal Summary is Partial | The transmittal summary is Partial. The XXX and CRSE both reflect a DTI of XXX%.. The Final 1003 reflects the Lender used the original credit report dated XX/XX/XXXX vs the update dated XX/XX/XXXX and rounded up all student loans. DTI should be XXX%. | Change status of 'Transmittal Summary is Partial' from Active to Open Rebuttal.; XX/XX/XXXX: Received loe stating that the client does not update liablilites with the XXXP report if the payments went down. Exception cleared. | 09/16/2022 | non-material | 09/16/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006492 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | -96368 | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test he loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.; Discount points increased from XXX to XXX on final CD no COC in file or proof a refund was issued |  |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 09/14/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006492 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XXX is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; Discount points increased from XXX to XXX on final CD no COC in file or proof a refund was issued |  |  | This loan passed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XXX is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | 09/14/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006492 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Discount points increased from XXX to XXX on final CD no COC in file or proof a refund was issued |  |  | This loan passed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i) lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §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). | 09/14/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/02/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Acknowledged | 3472 | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. ; OD/NSF exceeds program maximum allowed. Exception approved by lender pg XXX | Change status of 'Overdraft/NSF Count Exceeds Tolerance' from Active to Acknowledged by Client.; Client provided guideline exception for XXX NSK's < XXX months based on no derogatory account last XXX years and Bus. open for XXX years. Approval p XXX by XXX XXXXX XX/XX/XXXX | 09/02/2022 |  | 09/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML with established escrows and appraisal requirements met. |  |  | HPML Compliant | 09/06/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Cleared | -99290 | Compliance | TX Constitution A6 Required Fees Test | This loan failed the required fees test. (XXX Constitution, Article XXX Section XXX (a)(XXX)(E) & (t)(XXX), as amended Jan. XXX he loan requires the borrower(s) to pay, in addition to interest, fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that exceed XXX% of the original XXX amount, excluding fees for:An appraisal performed by a third party appraiser;A property survey performed by a State registered or licensed surveyor;A State base premium for a mortgagee policy of title insurance with endorsements established in accordance with State law, or a title examination report if its cost is less than the State base premium for a mortgagee policy of title insurance without endorsements established in accordance with State law. |  |  | This loan passed the required fees test. (XXX Constitution, Article XXX Section XXX (a)(XXX)(E) & (t)(XXX), as amended Jan. XXX he loan requires the borrower(s) to pay, in addition to interest or any bona fide discount points used to buy down the interest rate, any fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that do not exceed XXX% of the original XXX amount, excluding fees for:An appraisal performed by a third party appraiser;A property survey performed by a State registered or licensed surveyor;A State base premium for a mortgagee policy of title insurance with endorsements established in accordance with State law, or a title examination report if its cost is less than the State base premium for a mortgagee policy of title insurance without endorsements established in accordance with State law. | 09/06/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006747 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/31/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006747 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/31/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006820 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX% No CU Score or R&W available. Secondary valuation required. |  |  | Third Party Valuation Product Provided; Third Party Valuation Product Provided | 09/09/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX D A |
| 9006820 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 2427 | Credit | Fraud Report Shows Uncleared Alerts | Fraud report shows the following alerts that have not been cleared: Provide supporting documentation to reflect borrrower sold the property identified as undisclosed located at XXX (pg XXX). Addtional conditions may apply. | Change status of 'Fraud Report Shows Uncleared Alerts' from Active to Open Rebuttal.; Received updated 1003 showing Lorne Greene property as being retained - but not calculated. Exception cleared. | 09/12/2022 | Alerts from Fraud Report have been cleared. | 09/12/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX D A |
| 9006820 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 2402 | Credit | All Interested Parties Not Checked against Exclusionary Lists | All Interested Parties Not Checked against Exclusionary Lists. Provide supporting documenation clearing the seller AKA XXX, both the listing and selling real eState brokerage and agents. ; received interested party guidance, XXX, listing and selling real eState brokerage and agents, not considered material. Searches not required |  |  | All Interested parties were checked and cleared with Exclusionary Lists | 09/02/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX D A |
| 9006798 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006798 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/26/2022 | Cleared | -96346 | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding his loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report hile creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. |  |  | Finding n/a | 08/26/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006666 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX% CDA in file is not for the subject property. | Change status of 'Third Party Valuation Product not Provided' from Active to Open Rebuttal.; Received CDA dated XX/XX/XXXX. Updating loan accordingly. | 09/07/2022 | Third Party Valuation Product Provided | 09/07/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9007168 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/04/2022 | Cleared | 896 | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXX and value used for LTV of ___. |  |  | Original LTV of XX/XX/XXXX adheres to the guideline maximum LTV of XXX. | 10/04/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9007168 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 1568 | Compliance | Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure | The XXX and interest payment on the Final Closing Disclosure does not match the original XXX and interest payment payment XXX on the Note.; Acknowledged. | Change status of 'Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure' from Active to Open Rebuttal.; Final CD and Note match. Initial CD did not originally match the PITI payment on the note. Updated to resolve exception. ; Acknowledged. | 09/13/2022 | Original PI Payment on Note matches Final CD | 09/13/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9007168 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9007168 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/04/2022 | Cleared | 897 | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX. |  |  | Original CLTV of XX/XX/XXXX adheres to the guideline maximum CLTV of XXX. | 10/04/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9007168 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/12/2022 | Cleared | 2460 | Property | Third Party Desk Review variance to appraised value exceeds 10% | Third party Desk Review variance of XXX exceeds XXX% maximum allowed. Require additional valuation supporting origination. |  |  | Additional third party valuation requested to support value. | 10/04/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9007168 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Missing Third Party Valuation at time of review. ; Received CDA XX/XX/XXXX with value of XXX and a XXX% variance from origination value. |  |  | Third Party Valuation Product Provided | 09/12/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9007168 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX.; Missing Third Party Valuation at time of review. ; Received CDA XX/XX/XXXX with value of XXX and a XXX% variance from origination value. |  |  | Third Party Valuation Product Provided. | 09/12/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9007168 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 1296 | Property | Was lowest appraised value used to qualify is No |  |  |  | Was lowest appraised values used to qualify is ___ | 11/02/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9007168 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/29/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 9006821 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. B A |
| 9006821 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Acknowledged | -96648 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.; Escrow account established and appraisal receipt acknowledged within XXX days |  |  | HPML Compliant | 09/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. B A |
| 9006612 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006612 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006800 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/02/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/02/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006800 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/02/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/02/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006624 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | -96368 | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test he loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. |  |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 09/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006624 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Initial CD dated XX/XX/XXXX include additional charges not disclosed on Initial LE. Valid COC or cure not provided. Cure requirements include PCCD, letter of explanation, copy of refund check, and proof of mailing. |  |  | This loan passed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i) lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §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). | 09/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006624 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Cleared | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XXX is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. |  |  | This loan passed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XXX is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | 09/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006624 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML with established escrows and appraisal requirements met. |  |  | HPML Compliant | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006624 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006596 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML with established escrows and appraisal requirements. met. |  |  | HPML Compliant | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006596 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Acknowledged | 3466 | Property | Appraisal guideline violation | Appraisal guideline violation: Per the lender guidelines, the maximum acreage on a rural property is XXX acres. Appraisal reflects acreage as XXX acres. No exception found in file. | Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client.; Received CRSE - Property:Acreage exceeds maximum allowed by product. Actual - XXX. per the lender guidelines, the maximum acreage on a rural property is XXX acres. Compensating Factors : XXX months (prog min XXX mos.); $6k+ (prog min $XXX). Acknowledged by client. | 09/13/2022 |  | 09/13/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006801 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. A |
| 9006801 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. A |
| 9006802 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. B A |
| 9006802 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Acknowledged | 3467 | Credit | Minimum Trade Line Requirement Not Met | Borrower(s) have not met the minimum tradeline requirement per lender guidelines. Guideline exception was granted. | Change status of 'Minimum Trade Line Requirement Not Met' from Active to Acknowledged by Client.; Client provided a guideline exception allowing for tradeline requirements not met basen on a XXX fico score, no derogatory credit, and over XXX mo. PITI post closing. | 09/01/2022 |  | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. B A |
| 9006534 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006534 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/31/2022 | Acknowledged | 2578 | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. XXX lates for rent. XXX rent was paid in XXX (pg XXX) and XXX rent was paid in XXX (pg XXX) | Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.; Client provided a guideline exception allowing for housing history of XXX based on XXX months reserves and stable employment history of XXX years. | 09/01/2022 |  | 09/02/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006534 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/27/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; Escrow account established and appraisal receipt acknowledged within XXX days |  |  | HPML Compliant | 08/27/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/26/2022 | Cleared | 3557 | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided.; Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. | Change status of 'Hazard Insurance Coverage is Not Sufficient.' from Active to Open Rebuttal.; The State of Florida enacted a statue effective XX/XX/XXXX that does not allow the insurance company to disclose guranteed replacement coverage or the replacement cost estimator. Exception cleared. | 09/12/2022 | Hazard insurance coverage is sufficient.; Hazard insurance coverage is sufficient. | 09/12/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. Missing Business (XXX) Statement dated XXX/XXX. | Change status of 'Borrower Income Verification does not match Approval' from Active to Open Rebuttal.; Received copy of May XXX bank Statement. Confirmed amounts - exception cleared. | 09/12/2022 | The borrower income verification does match approval | 09/12/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 2578 | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Missing VOM and/or final CD/Settlement Statements for newly purchased properties (XXX XXX, XXX XXX XXX, and XXX XXX XXX) | Change status of 'Housing history does not meet guidelines' from Active to Open Rebuttal.; Received CDs on all properties outlined. Reviewed - confirmed. Exception cleared. | 09/12/2022 | Housing delinquency meets guidelines. | 09/12/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/26/2022 | Cleared | 1434 | Credit | Hazard Insurance Effective Date is after the Note Date | The hazard insurance effective date of XX/XX/XXXX is after the note date of XX/XX/XXXX | Change status of 'Hazard Insurance Effective Date is after the Note Date' from Active to Open Rebuttal.; Disbursement Date entered incorrectly. Should be XX/XX/XXXX. Exception cleared. | 09/12/2022 | The exception 'Hazard Insurance Effective Date is after the Note Date' is cleared. | 09/12/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/28/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/28/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/28/2022 | Acknowledged | 1246 | Credit | Transmittal Summary is Partial | The transmittal summary is Partial. | Change status of 'Transmittal Summary is Partial' from Active to Acknowledged by Client.; Client provided a guideline exception allowing for XXX Year IO on Investment property based on FICO XXX clean mtg history since XXX seasoned landlord. | 08/28/2022 |  | 08/28/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 08/28/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. The following XXX properties were refinanced simultaneously thru XXX with subject property. File is missing final CDs confirming PITIA payments and HOA certs: XXX Loan #XXX - XXX XXX XXX XXX XXX XXX Loan #XXX - XXX XXX XXX XXX XXX XXX Loan #XXX - XXX XXX XXX XXX XXX | Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Open Rebuttal.; Received copies of final CDs and confirmation of no HOA for the XXX REO properties. Updating amounts - exception cleared. | 09/07/2022 | Borrower liabilities verified indicator is XXX | 09/07/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/29/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML with established escrow and appraisal requirements met. |  |  | HPML Compliant | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006823 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/29/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006823 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 2427 | Credit | Fraud Report Shows Uncleared Alerts | Fraud report shows the following alerts that have not been cleared:; Fraud report shows the following alerts that have not been cleared: Credit report shows a Consumer Fraud Alert and cannot locate documentation that the lender cleared. | Change status of 'Fraud Report Shows Uncleared Alerts' from Active to Open Rebuttal.; Received LOX - Processor reached out to borrower and confirmed the refinance of XXX properties (outlined on the Fraud Report). Exception cleared. | 09/13/2022 | Alerts from Fraud Report have been cleared. | 09/13/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006757 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/30/2022 | Cleared | 2587 | Credit | Borrower Income Verification is less than 12 months |  |  |  | Income Verification of ___ is greater than XXX months.; Income Verification of ___ is greater than XXX months. | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. A |
| 9006757 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. ; The loan is in compliance with all applicable laws and regulations. |  |  | The exception 'No Compliance Findings' is cleared. | 08/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. A |
| 9006757 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/31/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. A |
| 9006824 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3437 | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  |  | Third Party Valuation Product Provided. | 09/09/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. D A |
| 9006824 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/29/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/29/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. D A |
| 9006824 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/27/2022 | Cleared | 3500 | Credit | Borrower residency documentation not provided or issue with documentation | Borrower residency documentation not provided or issue with documentation. ; Borrower may have selected "XXX" in error. Please correct the 1003 or send documentation for XXX status. | Change status of 'Borrower residency documentation not provided or issue with documentation' from Active to Open Rebuttal.; Received copy of Borrower's Permanent Resident card. Exception cleared. ; Borrower may have selected "XXX" in error. Please correct the 1003 or send documentation for XXX status. | 09/13/2022 | Borrower residency documentation has been provided and there are no issues with documentation. | 09/13/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. D A |
| 9006824 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/27/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Third party product (CDA) ordered but not included in the file page XXX |  |  | Third Party Valuation Product Provided | 09/09/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. D A |
| 9006803 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/28/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/28/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006803 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/28/2022 | Acknowledged | 2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. Per guidelines, No DSCR requires XXX FICO. CRSE shows exception for XXX FICO - please confirm this exception is for the DSCR Score. | Change status of 'DSCR is less than guideline minimum' from Active to Acknowledged by Client.; Received CRSE - Other:Credit. Actual - XXX FICO. Comments - XXX FICO no DSCR. Compensating Factors : XXX months reserves, pgrm min is XXX months; limited rev credit user, <XXX% total utilization. Acknowledged by client. | 09/09/2022 |  | 09/09/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 9006630 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/30/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML with established escrows and appraisal requirements met. |  |  | HPML Compliant | 08/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006630 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 09/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006825 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/01/2022 | Acknowledged | 3466 | Property | Appraisal guideline violation | Appraisal guideline violation: | Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client.; Approved Exception for Square footage does not meet guideline requirent of XXX sq ft. Compensating factors: Credit History-no lates on credit ever - back to XXX at inception, XXX months reserves and Desk review to support value + XX/XX/XXXX CU score. | 09/01/2022 |  | 09/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX B A |
| 9006825 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/31/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 08/31/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX B A |
| 9006709 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/02/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML Loan with established escrow and appraisal received. Downgraded to a B |  |  | HPML Compliant | 08/02/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. D C A |
| 9006709 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/02/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/02/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| 9006709 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/02/2022 | Cleared | 3782 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | The exception 'No Property Findings' is cleared. | 09/01/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| 9006709 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/02/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX.; Per Lender Guidelines, XXX loan amount is less than $XXX. Exception cleared. | Change status of 'Third Party Valuation Product Not Provided and CU Score is Greater Than XXX' from Active to Revoked.; Per Lender Guidelines, XXX loan amount is less than $XXX.; Per Lender Guidelines, XXX loan amount is less than $XXX. Exception cleared. | 08/02/2022 | Third Party Valuation Product Provided. | 09/09/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| 9006709 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/02/2022 | Cleared | 3437 | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible.; CU Score XXX; requiring secondary valuation | Change status of 'Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable.' from Active to Revoked.; Per Lender Guidelines, XXX loan amount is less than $XXX.; CU Score XXX; requiring secondary valuation | 08/02/2022 | Third Party Valuation Product Provided. | 09/09/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| 9006709 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/02/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX% |  |  | Third Party Valuation Product Provided; Third Party Valuation Product Provided | 09/09/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| 9006554 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/04/2022 | Cleared | 3436 | Credit | Payment shock exceeds lender guidelines | Payment shock of XXX exceeds the lender guidelines tolerance for payment shock. Borrower has no mortgage on current primary residence.; Departure residence is owned free and clear. Monthly payment is taxes and insurance only. Lender should have acknowledged and approved an exception for the payment shock | Change status of 'Payment shock exceeds lender guidelines' from Active to Open Rebuttal.; Primary Residence is owned free and clear. Payment Shock is not calculated under these circumstances. Exception cleared. ; Departure residence is owned free and clear. Monthly payment is taxes and insurance only. Lender should have acknowledged and approved an exception for the payment shock | 08/09/2022 | Payment shock of XXX does not exceed the lender guidelines tolerance for payment shock. | 08/09/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006554 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/04/2022 | Cleared | 3782 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 08/04/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006554 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/03/2022 | Cleared | -96468 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation.; Missing Initial CD from the file | Change status of 'Initial Closing Disclosure Delivery Date Test' from Active to Open Rebuttal.; Received CD dated XX/XX/XXXX. Updating loan accordingly. ; Missing Initial CD from the file | 08/10/2022 | This loan passed the initial closing disclosure delivery date test.(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is not less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction he creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | 08/10/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006554 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/03/2022 | Cleared | -96346 | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding his loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report hile creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | Change status of 'TRID Monitor Timing of Disclosures Finding' from Active to Open Rebuttal.; Received CD dated XX/XX/XXXX. Updating loan accordingly. | 08/10/2022 | TRID Monitor Timing of Disclosures Finding his loan contains disclosures that do not fail one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report hile creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | 08/10/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006513 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/07/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; Escrow account established, and appraisal receipt acknowledged within XXX days. |  |  | HPML Compliant | 07/08/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX B A |
| 9006513 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/07/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 07/07/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX B A |
| 9006513 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/07/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 07/07/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX B A |
| 9006513 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/07/2022 | Cleared | 3782 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 07/07/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX B A |
| 9006495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/15/2022 | Cleared | 2571 | Credit | Final Loan Application is Partial | Final Loan Application is Partial; Property located at XXX XXX. XXX, XXX XXX appears on the Final 1003. There is a Note, Security Instrument and final CD in the file for said property none of which are executed by XXX XXX XXXXX. Please provide updated 1003 for XXX XXX. XXXXX if he is no longer liable. Otherwise, we need property tax, HOI and HOA (if applicable) Statements. | Change status of 'Final Loan Application is Partial' from Active to Open Rebuttal.; Received copy Final Loan Application removing Salisbury property. Exception cleared. ; Property located at XXX XXX. XXX, TX XXX appears on the Final 1003. There is a Note, Security Instrument and final CD in the file for said property none of which are executed by XXX XXX XXXXX. Please provide updated 1003 for XXX R. XXXXX if he is no longer liable. Otherwise, we need property tax, HOI and HOA (if applicable) Statements. | 07/20/2022 | Final Loan Application is XXX | 07/20/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/14/2022 | Cleared | 3782 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | The exception 'No Property Findings' is cleared. | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/20/2022 | Cleared | -96585 | Compliance | High-Cost Mortgage Date the Rate Was Set Validation Test | This loan failed the date the rate was set validation test. (12 CFR §1026.32(XXX)(i)(A), (C) his loan did not provide the date the rate was set, which is required for the High-Cost Mortgage Finding. |  |  | This compliance test 'High-Cost Mortgage Date the Rate Was Set Validation Test' is no longer tested | 07/20/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/12/2022 | Cleared | -96368 | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test he loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. | Change status of 'Consummation or Reimbursement Date Validation Test' from Active to Open Rebuttal.; Initial LE (incorrect address) provided. Per client, the wrong address was added in error. Per Loan ID - documents are for subject property. Proceeding as is - updating loan accordingly. | 07/20/2022 | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 07/20/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/12/2022 | Cleared | -99953 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-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) he 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. |  |  | This loan passed the TILA right of rescission test losed-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) he funding date is not 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. | 07/20/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/12/2022 | Cleared | -99349 | Compliance | TILA Finance Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX |  |  | This loan passed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is considered accurate because:It is underStated by no more than $XXX; orIt is greater than the amount required to be disclosed. | 07/20/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/12/2022 | Cleared | -99290 | Compliance | TX Constitution A6 Required Fees Test | This loan failed the required fees test. (XXX Constitution, Article XXX Section XXX (a)(XXX)(E) & (t)(XXX), as amended Jan. XXX he loan requires the borrower(s) to pay, in addition to interest, fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that exceed XXX% of the original XXX amount, excluding fees for:An appraisal performed by a third party appraiser;A property survey performed by a State registered or licensed surveyor;A State base premium for a mortgagee policy of title insurance with endorsements established in accordance with State law, or a title examination report if its cost is less than the State base premium for a mortgagee policy of title insurance without endorsements established in accordance with State law. |  |  | This loan passed the required fees test. (XXX Constitution, Article XXX Section XXX (a)(XXX)(E) & (t)(XXX), as amended Jan. XXX he loan requires the borrower(s) to pay, in addition to interest or any bona fide discount points used to buy down the interest rate, any fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that do not exceed XXX% of the original XXX amount, excluding fees for:An appraisal performed by a third party appraiser;A property survey performed by a State registered or licensed surveyor;A State base premium for a mortgagee policy of title insurance with endorsements established in accordance with State law, or a title examination report if its cost is less than the State base premium for a mortgagee policy of title insurance without endorsements established in accordance with State law. | 07/20/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/12/2022 | Cleared | -96485 | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | Change status of 'Initial Loan Estimate Delivery Date Test (from application)' from Active to Open Rebuttal.; Initial LE (incorrect address) provided. Per client, the wrong address was added in error. Per Loan ID - documents are for subject property. Proceeding as is - updating loan accordingly. | 07/20/2022 | This loan passed the initial loan estimate delivery date test (from application).(12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | 07/20/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/12/2022 | Cleared | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Change status of 'Charges That Cannot Increase Test' from Active to Open Rebuttal.; Initial LE (incorrect address) provided. Per client, the wrong address was added in error. Per Loan ID - documents are for subject property. Proceeding as is - updating loan accordingly. | 07/20/2022 | This loan passed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i) lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §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). | 07/20/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/12/2022 | Cleared | -96365 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | Change status of 'Charges That In Total Cannot Increase More Than XXX% Test' from Active to Open Rebuttal.; Initial LE (incorrect address) provided. Per client, the wrong address was added in error. Per Loan ID - documents are for subject property. Proceeding as is - updating loan accordingly. | 07/20/2022 | This loan passed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX do not exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | 07/20/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/12/2022 | Cleared | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XXX is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | Change status of 'Reimbursement Amount Test' from Active to Open Rebuttal.; Initial LE (incorrect address) provided. Per client, the wrong address was added in error. Per Loan ID - documents are for subject property. Proceeding as is - updating loan accordingly. | 07/20/2022 | This loan passed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XXX is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | 07/20/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/12/2022 | Cleared | -96268 | Compliance | TRID Total of Payments Test | This loan failed the TRID total of payments test. (12 CFR §XXX(o)(XXX) he total of payments is $XXX. The disclosed total of payments of XXX is not considered accurate because it is underStated by more than XXX | Change status of 'TRID Total of Payments Test' from Active to Open Rebuttal.; Initial LE (incorrect address) provided. Per client, the wrong address was added in error. Per Loan ID - documents are for subject property. Proceeding as is - updating loan accordingly. | 07/20/2022 | This loan passed the TRID total of payments test. (12 CFR §XXX(o)(XXX) he total of payments is $XXX. The disclosed total of payments of XXX is considered accurate because:It is underStated by no more than $XXX; orIt is greater than the amount required to be disclosed. | 07/20/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/12/2022 | Cleared | 1224 | Compliance | Homeownership Counseling Disclosure is Missing | The homeownership disclosure is Missing; The homeownership disclosure is Missing; The homeownership disclosure on file is not for subject property. It's for XXX XXX XXX XXX XXX | Change status of 'Homeownership Counseling Disclosure is Missing' from Active to Open Rebuttal.; Received copy of Homeownership Counseling/Intent to Proceed (showing XXX property) and Final Loan Application showing subject property - but matches loan ID on all additional documents. Per client, the address issue was an error but relate to subject property. Exception cleared. ; The homeownership disclosure on file is not for subject property. It's for XXX XXX XXX XXX XXX | 07/20/2022 | The homeownership disclosure is recieved. | 07/20/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/12/2022 | Cleared | 1226 | Compliance | Intent to Proceed is Missing | The intent to proceed is Missing | Change status of 'Intent to Proceed is Missing' from Active to Open Rebuttal.; Received copy of Homeownership Counseling/Intent to Proceed (showing XXX property) and Final Loan Application showing subject property - but matches loan ID on all additional documents. Per client, the address issue was an error but relate to subject property. Exception cleared. | 07/20/2022 | The intent to proceed is received. | 07/20/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/12/2022 | Cleared | -96346 | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding his loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report hile creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | Change status of 'TRID Monitor Timing of Disclosures Finding' from Active to Open Rebuttal.; Initial LE (incorrect address) provided. Per client, the wrong address was added in error. Per Loan ID - documents are for subject property. Proceeding as is - updating loan accordingly. | 07/20/2022 | TRID Monitor Timing of Disclosures Finding his loan contains disclosures that do not fail one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report hile creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | 07/20/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/12/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within XXX days. |  |  | HPML Compliant | 07/20/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006577 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/13/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within XXX days. |  |  | HPML Compliant | 07/14/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006577 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/14/2022 | Acknowledged | 896 | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXX and value used for LTV of XXX. | Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.; Per CRSE - Exception Type - LTV; Guideline - Max LTV of 80% - HALO; Actual - LTV: XXX% Rationale - approved on guidelines prior to XXX. Compensating Factors : Qualifying Credit Score is XXX; XXX% (Housing Ratio) or XXX% (Total); Verified Reserves are XXX; Residual Income of XXX Acknowledged by client. | 07/14/2022 |  | 07/14/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006577 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/14/2022 | Acknowledged | 897 | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX. | Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.; Per CRSE - Exception Type - LTV; Guideline - Max LTV of 80% - HALO; Actual - LTV: XXX% Rationale - approved on guidelines prior to XXX. Compensating Factors : Qualifying Credit Score is XXX; XXX% (Housing Ratio) or XXX% (Total); Verified Reserves are XXX; Residual Income of XXX Acknowledged by client. | 07/14/2022 |  | 07/14/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006577 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/14/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 07/14/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006577 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/14/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 07/14/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006577 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/14/2022 | Cleared | 3782 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | The exception 'No Property Findings' is cleared. | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006712 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/14/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 07/14/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006712 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/14/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 07/14/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006712 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/14/2022 | Cleared | 3782 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | The exception 'No Property Findings' is cleared. | 08/29/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006631 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/20/2022 | Cleared | 1690 | Compliance | Lender NMLS Status is Not Active | The lender NMLS status is Not Active Shows renewed through XXX on NMLS | Change status of 'Lender NMLS Status is Not Active' from Active to Open Rebuttal.; Received LOX with copy of NMLS Review on The Mortgage Firm (XXX). Shows renewed through XXX Exception cleared. | 08/18/2022 | The lender NMLS status is Active | 08/18/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006631 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/19/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; Escrow account established, and appraisal receipt acknowledged within XXX days. |  |  | HPML Compliant | 07/20/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006631 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/19/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 07/19/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006631 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/20/2022 | Cleared | 3782 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 07/20/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006654 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/20/2022 | Acknowledged | 3436 | Credit | Payment shock exceeds lender guidelines | Payment shock of XXX exceeds the lender guidelines tolerance for payment shock. Exception made on payment shock and noted on CRS page XXX.; Owner occupied g/l parameters applied to NOO property The lender approved the use of the owner-occupied guidelines, citing verified reserves of XXX months, XXX FICO and a decrease in the housing payment of XXX (this is inaccurate, as the housing payment is actually going to increase by XXX with the new loan); Owner occupied g/l parameters applied to NOO property The lender approved the use of the owner-occupied guidelines, citing verified reserves of XXX months, XXX FICO and a decrease in the housing payment of XXX (this is inaccurate, as the housing payment is actually going to increase by XXX with the new loan) | Change status of 'Payment shock exceeds lender guidelines' from Acknowledged by Client to Open Rebuttal.; Owner occupied g/l parameters applied to NOO property; The lender approved the use of the owner-occupied guidelines, citing verified reserves of XXX months, XXX FICO and a decrease in the housing payment of XXX (this is inaccurate, as the housing payment is actually going to increase by XXX with the new loan); Change status of 'Payment shock exceeds lender guidelines' from Active to Acknowledged by Client.; Lender approved the payment shock citing XXX FICO, residual income of XXX per month and XXX% DTI as compensating factors.; Change status of 'Payment shock exceeds lender guidelines' from Open Rebuttal to Acknowledged by Client.; Owner occupied g/l parameters applied to NOO property; The lender approved the use of the owner-occupied guidelines, citing verified reserves of XXX months, XXX FICO and a decrease in the housing payment of XXX (this is inaccurate, as the housing payment is actually going to increase by XXX with the new loan) | 02/08/2023 |  | 02/08/2023 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006654 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/21/2022 | Acknowledged | 3466 | Property | Appraisal guideline violation | Appraisal guideline violation: Property has XXX Acres. Guidelines State, "A maximum of ten XXX acres is allowed, however parcels not exceeding twenty XXX acres may be considered if it is typical for the area and value/marketability is supported with appraisal comparables of similar acreage." This is cited on the CRS page XXX; Owner occupied g/l parameters applied to NOO property The lender approved the use of the owner-occupied guidelines, citing verified reserves of XXX months, XXX FICO and a decrease in the housing payment of XXX (this is inaccurate, as the housing payment is actually going to increase by 10k with the new loan); Owner occupied g/l parameters applied to NOO property The lender approved the use of the owner-occupied guidelines, citing verified reserves of XXX months, XXX FICO and a decrease in the housing payment of XXX (this is inaccurate, as the housing payment is actually going to increase by 10k with the new loan) | Change status of 'Appraisal guideline violation' from Acknowledged by Client to Open Rebuttal.; Owner occupied g/l parameters applied to NOO property; The lender approved the use of the owner-occupied guidelines, citing verified reserves of XXX months, XXX FICO and a decrease in the housing payment of XXX (this is inaccurate, as the housing payment is actually going to increase by 10k with the new loan); Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client.; Lender approved the acreage citing similar comps and value supported by CDA; Change status of 'Appraisal guideline violation' from Open Rebuttal to Acknowledged by Client.; Owner occupied g/l parameters applied to NOO property; The lender approved the use of the owner-occupied guidelines, citing verified reserves of XXX months, XXX FICO and a decrease in the housing payment of XXX (this is inaccurate, as the housing payment is actually going to increase by 10k with the new loan) | 02/08/2023 |  | 02/08/2023 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006654 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/21/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 07/21/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006654 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/21/2022 | Cleared | 3782 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | The exception 'No Property Findings' is cleared. | 02/08/2023 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 9006699 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/28/2022 | Cleared | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; No change of circumstances were found on the file. Zero tolerance fee of XXX is due to: Appraisal Fee in Section A of XXX Origination Fee increasing by XXX Add Rate Lock Extenstion fee of XXX Increase in Appraisal fee in section B of XXX Transfer Taxes increase of XXX Also missing COC for decrease in lender credits of XXX from Final LE to Initial CD | Change status of 'Charges That Cannot Increase Test' from Active to Open Rebuttal.; Received COCs dated XX/XX/XXXX and XX/XX/XXXX. Updating loan accordingly. ; No change of circumstances were found on the file.; ; Zero tolerance fee of XXX is due to:; Appraisal Fee in Section A of $XXX; Origination Fee increasing by $XXX; Add Rate Lock Extenstion fee of $XXX; Increase in Appraisal fee in section B of $XXX; Transfer Taxes increase of $XXX; ; Also missing COC for decrease in lender credits of XXX from Final LE to Initial CD | 08/12/2022 | This loan passed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i) lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §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). | 08/12/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 9006699 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/28/2022 | Cleared | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XXX is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | Change status of 'Reimbursement Amount Test' from Active to Open Rebuttal.; Received COCs dated XX/XX/XXXX and XX/XX/XXXX. Updating loan accordingly. | 08/12/2022 | This loan passed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XXX is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | 08/12/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 9006699 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/28/2022 | Cleared | -99349 | Compliance | TILA Finance Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than $XXX.; The finance charge is $XXX. The disclosed finance charge on the Final CD is Stated as $XXX. Which is not considered accurate because it is underStated by $XXX. |  |  | This loan passed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is considered accurate because:It is underStated by no more than $XXX; orIt is greater than the amount required to be disclosed. | 08/12/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 9006699 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/28/2022 | Cleared | -96348 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Missing change of circumstance from the file for reasons as to why Lender Credits decreased for XXX from Final LE to Initial CD. |  |  | This loan passed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains lender credits that do not exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX exceeds or equals 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 n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | 08/12/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 9006699 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/28/2022 | Cleared | -96268 | Compliance | TRID Total of Payments Test | This loan failed the TRID total of payments test. (12 CFR §XXX(o)(XXX) he total of payments is $XXX. The disclosed total of payments of XXX is not considered accurate because it is underStated by more than $XXX.; The total of payments is $XXX. The disclosed total of payments on the Final CD was Stated as $XXX. Which is not considered accurate because it is underStated by XXX |  |  | This loan passed the TRID total of payments test. (12 CFR §XXX(o)(XXX) he total of payments is $XXX. The disclosed total of payments of XXX is considered accurate because:It is underStated by no more than $XXX; orIt is greater than the amount required to be disclosed. | 08/12/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 9006699 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/28/2022 | Cleared | -96368 | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test he loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. | Change status of 'Consummation or Reimbursement Date Validation Test' from Active to Open Rebuttal.; Received COCs dated XX/XX/XXXX and XX/XX/XXXX. Updating loan accordingly. | 08/12/2022 | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 08/12/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 9006699 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/28/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML Loan with established escrows and appraisal received. Downgraded to a B |  |  | HPML Compliant | 08/12/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 9006699 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/29/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 07/29/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 9006699 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/29/2022 | Cleared | 3782 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 07/29/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. C A |
| 9007102 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/01/2022 | Cleared | -96368 | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test he loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. | Change status of 'Consummation or Reimbursement Date Validation Test' from Active to Open Rebuttal.; Received LE dated XX/XX/XXXX. Corresponding COC located in file. Updating loan accordingly. | 08/10/2022 | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 08/10/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9007102 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/01/2022 | Cleared | 3782 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | The exception 'No Property Findings' is cleared. | 08/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9007102 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/01/2022 | Cleared | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Zero tolerance fee of XXX due to the following fees increasing within a valid change of circumstance in the file: Discount Points increase XXX Commitment Fee increase XXX Origination Fee increase $XXX. COC in the file is dated XX/XX/XXXX, however did not find a redisclosure in the file that was provided within XXX days of XX/XX/XXXX. | Change status of 'Charges That Cannot Increase Test' from Active to Open Rebuttal.; Received LE dated XX/XX/XXXX. Corresponding COC located in file. Updating loan accordingly. ; Zero tolerance fee of XXX due to the following fees increasing within a valid change of circumstance in the file:; Discount Points increase $XXX; Commitment Fee increase $XXX; Origination Fee increase $XXX.; COC in the file is dated XX/XX/XXXX, however did not find a redisclosure in the file that was provided within XXX days of XX/XX/XXXX. | 08/10/2022 | This loan passed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i) lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §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). | 08/10/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9007102 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/01/2022 | Cleared | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XXX is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | Change status of 'Reimbursement Amount Test' from Active to Open Rebuttal.; Received LE dated XX/XX/XXXX. Corresponding COC located in file. Updating loan accordingly. | 08/10/2022 | This loan passed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XXX is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | 08/10/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9007102 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/01/2022 | Acknowledged | -97739 | Compliance | NC Rate Spread Home Loan Test | This loan failed the XXX rate spread home loan test.<br> (NC GS §24-1.1F(a)(7))<br> The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report.<br>While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met.; Loan is Compliant rate spread. |  |  | Non-material | 09/06/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9007102 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/01/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; Downgraded to B. Borrower was provided copy of Appraisal and Escrows set up.; HPML Loan with established escrows and appraisal received. Downgraded to a B |  |  | HPML Compliant | 08/10/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9007102 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/01/2022 | Cured Post Close | -96413 | Compliance | NC RSHL Average Prime Offer Rate APR Threshold Exceeded | This loan exceeded the average prime offer rate APR threshold he difference between the greater of the disclosed APR and the calculated APR, and the average prime offer rate is greater than or equal to one of the following:The loan is a first lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more ll thresholds (Modified HMDA APR Threshold, Conventional Mortgage Rate APR Threshold, and Average Prime Offer Rate APR Threshold) must be met or exceeded in order for the loan to be a "rate spread home loan," subjecting the loan to rate spread home loan limitations. | Change status of 'NC RSHL Average Prime Offer Rate APR Threshold Exceeded' from Active to Cured Post Close.; loan exempt based loan amount ; | 10/12/2022 |  | 10/12/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9007102 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/01/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 08/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 03/15/2023 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; Escrow account established, and appraisal receipt acknowledged within XXX days.; HPML with established escrows and appraisal requirements met. |  |  | HPML Compliant | 03/15/2023 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 06/27/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 06/27/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 06/27/2022 | Cleared | 3782 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 06/27/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 06/30/2022 | Cleared | -96378 | Compliance | TRID Post-Consummation Reason for Redisclosure Validation Test | This loan failed the TRID post-consummation reason for redisclosure validation test his loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests. |  |  | This compliance test 'TRID Post-Consummation Reason for Redisclosure Validation Test' is no longer tested | 06/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 06/24/2022 | Cleared | -96368 | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test he loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. | Change status of 'Consummation or Reimbursement Date Validation Test' from Active to Open Rebuttal.; Received copy of LE/COC/CD chain. COC dated XX/XX/XXXX showing increase in Loan Original Fee received. In addition, a PCCD letter/Refund Check/ with PCCD received. Updating loan accordingly. | 06/30/2022 | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 06/30/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 06/24/2022 | Cleared | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Tolerance in the amount of XXX for increase in Appraisal and Loan Origination fees on LE XX/XX/XXXX. Need evidence of COC, PCCD, or copay of refund check to borrower in the amount of $XXX. | Change status of 'Charges That Cannot Increase Test' from Active to Open Rebuttal.; Received copy of LE/COC/CD chain. COC dated XX/XX/XXXX showing increase in Loan Original Fee received. In addition, a PCCD letter/Refund Check/ with PCCD received. Updating loan accordingly. ; Tolerance in the amount of XXX for increase in Appraisal and Loan Origination fees on LE XX/XX/XXXX. Need evidence of COC, PCCD, or copay of refund check to borrower in the amount of $XXX. | 06/30/2022 | This loan passed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i) lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §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). | 03/15/2023 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 06/24/2022 | Cleared | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XXX is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | Change status of 'Reimbursement Amount Test' from Active to Open Rebuttal.; Received copy of LE/COC/CD chain. COC dated XX/XX/XXXX showing increase in Loan Original Fee received. In addition, a PCCD letter/Refund Check/ with PCCD received. Updating loan accordingly. | 06/30/2022 | This loan passed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XXX is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | 03/15/2023 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 06/30/2022 | Cleared | -96281 | Compliance | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1), transferred from 12 CFR §226.18(d)(1) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX |  |  | This loan passed the TILA finance charge test.(12 CFR §1026.18(d)(1), transferred from 12 CFR §226.18(d)(1) he finance charge is $XXX he disclosed finance charge of XXX is considered accurate because:It is underStated by no more than $XXX; orIt is greater than the amount required to be disclosed. | 03/15/2023 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 06/24/2022 | Cleared | -96268 | Compliance | TRID Total of Payments Test | This loan failed the TRID total of payments test. (12 CFR §XXX(o)(XXX) he total of payments is $XXX. The disclosed total of payments of XXX is not considered accurate because it is underStated by more than XXX and the provided reimbursement amount of XXX is not sufficient to cure the inaccuracy.; Total of Payments XXX and disclosed finance charge on final CD is $XXX. Difference of $XXX. Unable to determine source of underStatement. |  |  | This loan passed the TRID total of payments test. (12 CFR §XXX(o)(XXX) he total of payments is $XXX. The disclosed total of payments of XXX is considered accurate because:It is underStated by no more than $XXX; orIt was underStated by more than XXX but the provided reimbursement amount of XXX is sufficient to cure the inaccuracy; orIt is greater than the amount required to be disclosed. | 03/15/2023 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 06/24/2022 | Cleared | -99349 | Compliance | TILA Finance Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than $XXX.; Finance charge XXX and disclosed finance charge on final CD is $XXX. Difference of $XXX. Unable to determine source of underStatement. |  |  | This loan passed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is considered accurate because:It is underStated by no more than $XXX; orIt is greater than the amount required to be disclosed. | 03/15/2023 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006692 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 06/29/2022 | Cleared | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; The zero tolerance violation in the amount of XXX is due to increase in Loan Discount Points ($XXX), Loan Origination Fee XXX and Appraisal Fee XXX from Loan Estimate to Closing Disclosure; Need evidence of COC, PCCD or refund check to the borrower in the amount of XXX |  |  | This loan passed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i) lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §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). | 03/16/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006692 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 06/29/2022 | Cleared | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XXX is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. |  |  | This loan passed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XXX is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | 03/16/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006692 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 06/29/2022 | Cleared | -96368 | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test he loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. |  |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 07/07/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006692 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 06/29/2022 | Acknowledged | -98046 | Compliance | Brokerage/Finder Fee Test | This loan failed the brokerage/finder fee test. (Tenn. Comp. R. & Regs. XXX-XXX-XXX(XXX)) The mortgage loan charges a brokerage/finder fee that exceeds XXX% of the total loan amount. Under the Tennessee Rules and Regulations, brokerage fee is synonymous with finder fee. Any brokerage/finder fee of more than XXX% of the XXX amount of the loan will be presumed to be unfair and unreasonable and shall be grounds to revoke the license or registration of such licensee or registrant, unless such licensee or registrant can provide evidence showing that such fee constitutes fair and reasonable compensation. |  |  | Non-material | 03/16/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006692 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 03/16/2023 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(XXX) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX XXX and either:The loan is secured by a first lien with a XXX obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a XXX obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML with established escrows and appraisal requirements met.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within XXX days. |  |  | HPML Compliant | 03/16/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006692 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 06/30/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 06/30/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006692 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 06/30/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 06/30/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006692 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 06/30/2022 | Cleared | 3782 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 06/30/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006560 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/01/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 07/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006560 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/01/2022 | Cleared | 3782 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 07/01/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9006560 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 06/30/2022 | Cleared | 929 | Compliance | Security Instrument Indicator is Partial | The security instrument indicator is Partial. The Security Instrument document issued and executed by the borrower on XXX. However the Notary signed and dated the document XX/XX/XXXX (XXX months prior to the transaction). Lender to provide fully executed Security Instrument with correct notary dates. | Change status of 'Security Instrument Indicator is Partial' from Active to Open Rebuttal.; Received Corrected Mortgage with Recording Information showing proper notary date of XX/XX/XXXX. Exception cleared. | 08/11/2022 | The security instrument indicator is XXX | 08/11/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 9058251 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2025 | Resolved | FCOM1231 | Credit | The Initial 1003 is Missing | The Initial 1003 is Missing The loan file is missing the initial 1003 application. | Document Uploaded. please see initial 1003 | 02/14/2025 | The Initial 1003 is XXX | 02/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9058251 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/13/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Initial LE electronically signed XX/XX/XXXX. Please provide eConsent dated on or prior to XX/XX/XXXX. | Document Uploaded. please see attached correct econsent | 02/14/2025 | Evidence of eConsent is provided. | 02/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9058251 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9058247 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 02/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9058247 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9058247 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9058244 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Per most recent bank Statement XX/XX/XXXX available balance results in a reserve shortage of $XXX. Please provide additional assets to cover reserve shortage. | Document Uploaded. Please see FSS; Document Uploaded. Please see additional reserves | 02/24/2025 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Account numbers on Bank Statement provided have already been included in qualifying assets. Per Settlement Statement included in loan file, the Cash to close amount if $XXX. Please confirm the Final Settlement Statement was provided and Cash to close amount of XXX is correct. If so, reserve is still short $XXX. | 02/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75% D A |
| 9058244 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Please provide a minimum of six months Rent loss coverage as required per guidelines. | Document Uploaded. Please see attached full policy that indicates rent loss coverage. | 02/21/2025 | Rent Loss Coverage XXX; Missing rent loss insurance coverage | 02/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75% D A |
| 9058244 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2025 | Resolved | FCRE7009 | Credit | Hazard insurance dwelling coverage is not sufficient | Hazard Insurance coverage of XXX is less than required coverage required Program guidelines defer to FNMA requirements for coverage which should be the lesser of XXX% of the replacement cost value or the unpaid XXX balance, as long as it is not less than XXX% of the insurable value of the property. The Insurer provided a replacement cost estimator indicating replacement cost value is XXX (XXX% of RCV=$XXX). Because unpaid XXX balance is less than XXX% of the replacement cost value, must defer to XXX as required coverage amount. Dwelling coverage of XXX is currently insufficient. Please provide proof of extended replacement cost. | It was determined by my Senior UnderXXX that the RCE that was provided to Consolidated was incorrect and should not have been included. The reason is because the RCE was pulled as a Single-Family Residence when this property is a Manufactured Home. Due to this please disregard the RCE that was provided. Per their review, the appraisal report indicated that the Modified Sub-total for the Replacement Cost new is XXX and XXX% of that is XXX in which our Dwelling Coverage on our current insurance policy is XXX Based on this explanation, can you advise if this condition can be cleared?; Document Uploaded. Please see attached RCE. Please also note that this was already in file. | 02/24/2025 | Hazard Insurance coverage meets guideline requirement; Hazard Insurance coverage of XXX is less than required coverage required; Per FNMA guidelines, the required coverage amount should be at least XXX% XXX of the RCE. Please provide Dwelling coverage of at least $XXX.; Hazard Insurance coverage of XXX is less than required coverage required | 02/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75% D A |
| 9058244 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2025 | Acknowledged | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX Borrower FICO of XXX < Minimum FICO XXX for Manufactured Homes. XXX States exception approved; however no exception in loan file. Please provide. | Document Uploaded. Please see attached UW Exception | 02/18/2025 | Lender provided exception approval for: a manufactured home under the minimum allowed fico of XXX DSCR score is currently XXX. Borrower only has program minimum reserves required. FICO exception of XXX points as minimum required is XXX Compensating factor: 50% LTV, full borrower funds/no gift. | 02/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75% D A |
| 9058244 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75% D A |
| 9058244 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75% D A |
| 9058387 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraisal company, XXX, was not checked with the Exclusionary lists. | Client provided attached document in response. | 03/25/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 03/26/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 9058387 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Acknowledged | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The Alternative Documentation; XXX month bank Statement income program was used for income. The borrower has deficient tradelines which requires Full Documentation. Provide an Exception with XXX compensating factors | Client provided attached document in response. | 03/25/2025 | Lender Exception for insufficient trades on bank Statement loan program approved by CT.; Document Uploaded. | 03/26/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 9058387 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements There is an exception in the file. Compensating factor of XXX% DTI Provide XXX additional compensating factor. The credit report shows XXX trade open for XXX months. XXX #XXX Statements and cashiers checks verify XXX months of mortgage payments. A minimum credit depth of three acceptable tradelines aged individually for a XXX month minimum OR, two acceptable tradelines aged individually for a XXX month minimum is required. If minimum credit depth is not met, UnderXXX may review for compliance with the One Score / No Score / No Depth program while requiring XXX month housing history. | Client provided attached document in response. | 03/25/2025 | Lender Exception for XXX months verification vs. XXX months approved by CT.; | 03/26/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 9058387 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 70% exceeds Guideline LTV of 65% Deficient Tradelines requires a Maximum LTV of 65%. A Lender exception to allow deficient tradelines with 70% LTV is in the file. Provide XXX compensating factors. Per NON PRIME WHOLESALE - PROGRAM LTV AND LOAN AMOUNT MATRIX | Client provided attached document in response. | 03/25/2025 | Lender Exception to XXX% approved by KL.; Document Uploaded. | 03/26/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 9058387 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 70% exceeds Guideline HCLTV of 65% Deficient Tradelines requires a Maximum HLTV of 65%. A Lender exception to allow deficient tradelines with 70% HLTV is in the file. Provide XXX compensating factors. Per NON PRIME WHOLESALE - PROGRAM LTV AND LOAN AMOUNT MATRIX | Client provided attached document in response. | 03/25/2025 | Lender Exception to XXX% approved by KL.; Document Uploaded. | 03/26/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 9058387 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 70% exceeds Guideline CLTV of 65% Deficient Tradelines requires a Maximum CLTV of 65%. A Lender exception to allow deficient tradelines with 70% CLTV is in the file. Provide XXX compensating factors. Per NON PRIME WHOLESALE - PROGRAM LTV AND LOAN AMOUNT MATRIX | Client provided attached document in response. | 03/25/2025 | Lender Exception to XXX% approved by KL.; Document Uploaded. | 03/26/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 9058387 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 02/20/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 9058387 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/20/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 9058387 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Acknowledged | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially XXX. The credit report shows XXX trade open for XXX months. XXX Statements and cashiers checks verify XXX months of mortgage payments. A minimum credit depth of three acceptable tradelines aged individually for a XXX month minimum OR, two acceptable tradelines aged individually for a XXX month minimum is required. If minimum credit depth is not met, UnderXXX may review for compliance with the One Score / No Score / No Depth program while requiring XXX month housing history. There is an exception to allow XXX months mortgage history. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. C A |
| 9058248 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/19/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title coverage of XXX is less than subject lien XXX | Document Uploaded. Please see revised preliminary title report. Please refer to page XXX for proposed insured amount | 02/20/2025 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX | 02/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9058248 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9058248 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9058242 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required: Please provide evidence borrower received Appraisal within required XXX day prior to consummation | Document Uploaded. Please see attached proof of appraisal delivery. Please refer to the last page as it indicates appraisal report was delivered to borrower on XX/XX/XXXX electronically. | 02/20/2025 | Evidence of appraisal delivery provided. | 02/24/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 9058242 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/20/2025 | Resolved | FCOM3531 | Compliance | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | Evidence of Appraisal Delivery to the Borrower Not Provided. | Document Uploaded. Please see attached proof of appraisal delivery. Please refer to the last page as it indicates appraisal report was delivered to borrower on XX/XX/XXXX electronically. | 02/20/2025 | ; Evidence of Appraisal Delivery to the Borrower Provided.; Evidence of Appraisal Delivery to the Borrower Provided.; Evidence of Appraisal Delivery to the Borrower Not Provided. | 02/24/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 9058242 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/20/2025 | Acknowledged | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Missing receipt of security deposit into borrower's account or first month rent payment into borrower's account to consider departing residence rental income- per guidelines section XX/XX/XXXX Rental Income This results in a higher DTI of XXX%. | Document Uploaded. Please see attached exception regarding DTI | 02/21/2025 | Lender exception approval for: Allowing use of XXX and lease, without proof of first and last month, etc. Borrower has substantial post close discretionary income i. $7k additional per month and an additional XXX months reserves. Max LTV 90% Max DTI XXX% | 02/24/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 9058242 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | Appraisal requirements not met due to appraisal delivery receipt missing from file, Unable to downgrade HPML. This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Document Uploaded. Please see attached proof of appraisal delivery. Please refer to the last page as it indicates appraisal report was delivered to borrower on XX/XX/XXXX electronically. | 02/20/2025 | Appraisal delivery provided, HPML compliant; Exception resolved | 02/21/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 9058242 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Appraisal requirements not met due to appraisal delivery receipt missing from file, Unable to downgrade HPML. | Document Uploaded. Please see attached proof of appraisal delivery. Please refer to the last page as it indicates appraisal report was delivered to borrower on XX/XX/XXXX electronically. | 02/20/2025 | Appraisal delivery provided, HPML compliant; Exception resolved | 02/21/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 9058242 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/20/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 9058249 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 02/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.32% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 26.32% is less than Guideline CLTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9058249 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 02/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.32% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 26.32% is less than Guideline CLTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9058249 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 02/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.32% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 26.32% is less than Guideline CLTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9058249 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 26.32% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 26.32% is less than Guideline CLTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9058245 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2025 | Resolved | FCRE5791 | Credit | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | The Gap Credit Report pull date: (XXX-XXX-XXX) on the Credit Scores card, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XXX-XXX-XXX) on the Note Info card as found on the Note page. Please make appropriate corrections. Gap credit report dated XX/XX/XXXX in file is greater than XXX days of Note date of XX/XX/XXXX. Please provide Gap credit report within XXX days of XX/XX/XXXX. | Document Uploaded. Please see attached soft pull dated XX/XX/XXXX | 03/03/2025 | Borrower 2 Gap Credit Report is not expired. | 03/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9058245 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The loan file is missing a VVOE dated XXX days prior to the Note date for B1 employment at XXX. | Document Uploaded. Please see VVOE for XXX | 03/03/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 03/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9058245 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2025 | Resolved | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing The loan file contains a VVOE for Borrower 2 dated XX/XX/XXXX which is outside of the XXX day prior to Note date verification requirement. Please provide a VVOE dated XXX days prior to the Note date for B2. | Document Uploaded. Please see VVOE for XXX | 03/03/2025 | Borrower 2 3rd Party VOE Prior to Close Was Provided or XXX (Number of Borrowers equals XXX) | 03/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9058245 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/28/2025 | Resolved | FCRE7009 | Credit | Hazard insurance dwelling coverage is not sufficient | Hazard Insurance coverage of XXX is less than required coverage required Please provide hazard insurance coverage of at least the unpaid XXX loan balance of XXX or provide a Replacement Cost Estimate. | Document Uploaded. Please see attached letter from agent that confirms XXX% replacement cost coverage and an EOI checklist. | 03/03/2025 | Hazard Insurance coverage meets guideline requirement | 03/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9058245 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2025 | Resolved | FCRE5790 | Credit | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | The Gap Credit Report pull date: (XXX-XXX-XXX) on the Credit Scores card, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XXX-XXX-XXX) on the Note Info card as found on the Note page. Please make appropriate corrections. Gap credit report dated XX/XX/XXXX in file is greater than XXX days of Note date of XX/XX/XXXX. Please provide Gap credit report within XXX days of XX/XX/XXXX. | Document Uploaded. Please see attached soft pull dated XX/XX/XXXX | 03/03/2025 | Borrower 1 Gap Credit Report is not expired. | 03/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9058245 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially XXX. The Final 1003 list an installment loan from XXX with an unpaid balance of XXX and monthly payment of XXX under section 2c.. The credit report dated XX/XX/XXXX does not list this liability. A credit Statement is required showing the installment debt balance and monthly payment. | Document Uploaded. Per UW: UW Rebuttal: when reviewing the Merrill bank Statement for acct #XXX, UW noted a payment to XXX for XXX on XX/XX/XXXX and added this as a debt on the liabilities pages. Upon receipt of the inquiry letter and email from the borrower addressing the payment, UW forgot to remove the debt from the application. The XXX payment was for a deposit on a vehicle that will be out in XXX years. The soft pull credit dated XX/XX/XXXX support no new debt. | 03/03/2025 | Borrower 1 Credit Report is not partially XXX. | 03/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9058245 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2025 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The loan file is missing verification of the subject property taxes. Monthly taxes of XXX can not be verified within the documentation of the loan file. | Document Uploaded. Per UW: Property has not been reassessed. Used smart assets to determine tax estimate. Taxes estimated at XXX per monthnth. Please see revised 1003, XXX UW Approval, and supporting property tax documents. | 03/03/2025 | Estimated tax document for XXX per monthnth provided by lender. | 03/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9058245 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 02/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9058245 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 02/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9058243 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2025 | Acknowledged | FCRE0363 | Credit | Condominium Project is Non-Warrantable | The Trailblazer DSCR guidelines State single entity ownership is allowed up to XXX% of the subject. The borrower's ownership of the XXX condominium is XXX% The loan file contains an exception approval for XXX condo with single entity ownership exceeding XXX% per guidelines. Borrower owns XXX of XXX units (XXX%). We are refinancing two of the unit. |  |  |  | 03/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9058243 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9058243 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 03/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9058287 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 71.32% exceeds Guideline LTV of 65% The file contains an approved exception to allow a 75% LTV at XXX%; however, there are no compensating factors noted. XXX Rate Sheet XX/XX/XXXX reflects a max LTV CLTV of 65% for Refi with minimum DSCR of XXX. | Client provided attached documents in response. | 04/04/2025 | Lender Exception to XXX% approved by KG.; Document Uploaded. | 04/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9058287 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 71.32% exceeds Guideline HCLTV of 65% The file contains an approved exception to allow a 75% LTV at XXX%; however, there are no compensating factors noted. XXX Rate Sheet XX/XX/XXXX reflects a max LTV CLTV of 65% for Refi with minimum DSCR of XXX. | Client provided attached documents in response. | 04/04/2025 | Lender Exception to XXX% approved by KG.; Document Uploaded. | 04/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9058287 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 71.32% exceeds Guideline CLTV of 65% The file contains an approved exception to allow a 75% LTV at XXX%; however, there are no compensating factors noted. XXX Rate Sheet XX/XX/XXXX reflects a max LTV CLTV of 65% for Refi with minimum DSCR of XXX. | Client provided attached documents in response. | 04/04/2025 | Lender Exception to XXX% approved by KG.; Document Uploaded. | 04/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9058287 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | .;.; Compliant | 03/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9058287 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | .;.; Compliant | 03/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9058289 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide final fraud report with all interested parties. | Client provided attached documentation in response. | 04/07/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/09/2025 | D A C |
| 9058289 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2025 | Resolved | FCRE3605 | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: The gift letter in file reflects a gift of equity of $XXX; however, the final settlement Statement reflects XXX Guideline section XX/XX/XXXX Gift Funds States for the gift letter, it is required on all gifts and must include the dollar amount of the gift. | Client provided attached document in response. | 04/08/2025 | Gift letter provided; condition cleared.; Document Uploaded. | 04/09/2025 | D A |
| 9058289 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/07/2025 | D A |
| 9058289 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/07/2025 | D A |
| 9058250 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/10/2025 | B A |
| 9058250 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/10/2025 | B A |
| 9058250 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/07/2025 | Acknowledged | FCRE1200 | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of XXX is less than the Guideline Minimum Loan Amount of XXX Loan amount of XXX is less than the guideline minimum loan amount of XXX An exception was granted in file. |  |  |  |  | B A |
| 9058274 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, settlement agent, and underXXX were not checked with Exclusionary lists. | Client provided attached document in response. | 04/09/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9058274 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9058274 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9058318 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 03/13/2025 | A |
| 9058318 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/13/2025 | A |
| 9058318 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/13/2025 | A |
| 9058339 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, settlement agent, selling agent, listing agent, and underXXX were not checked with Exclusionary lists. | Client provided attached documentation in response. | 04/16/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9058339 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The solar panels were given value of XXX Appraisal Update/Correction Required for the following: Appraiser to comment if solar is owned or provide copy of solar lease, OR Provide evidence from seller that panels were purchased, receipt, contract etc. | Client provided attached documentation in response. | 04/16/2025 | Property/Appraisal Meets Guidelines-UCC filing provided confirms termination of financing. XXX are owned, paid in full, and value supported on appraisal and Desktop Review also supports value. Condition cleared.; Document Uploaded. | 04/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9058339 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9058413 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2025 | Resolved | FCRE2900 | Credit | Borrower Non-US Citizen Identification Document Missing | Non XXX Borrower is missing Identification Document. The loan application shows the borrower is a non-XXX. Provide a VISA or an unexpired Work Authorization (EAD) or like evidence from a governing authority reXXXing the Applicant has current legal status. The country of origin is required. Per XX/XX/XXXXhip & XX/XX/XXXX Eligible Borrowers | XXX Response: Loan closed as an ITIN since borrower did not have unexpired docs for NPRA but the 1003 is not able to show "ITIN" so the best answer is NPRA due to system limitations. | 04/16/2025 | Borrower Identification Document provided.; | 04/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.49% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 44.49% is less than Guideline LTV of 75% A |
| 9058413 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The loan application shows the borrower rents the primary residence. The rental rating for determining the mortgage pricing is determined by evaluating the ratings for properties that the borrower rents over the last twelve months. The application must show amount of rent per month. Provide one of the following: Legible copy of twelve months canceled checks (front and back) or money orders – amount of checks / money orders must be consistent and match the amount of monthly rent reflected on the 1003. Verification of Rent (VOR) or a rating from credit reporting agency if from rental agency. A VOR. Bank Statements for the last twelve months which consistently show payment made for rent amount listed on the application. Per GL's XX/XX/XXXX Determining Rental Rating & XX/XX/XXXX Verification of Rent Payments | XXX Response: Uploading updated ULAW with comp factors. | 04/16/2025 | Lender Exception to accept bank Statements showing the varied payments to the landlord approved by JJ.; Document Uploaded. | 04/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.49% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 44.49% is less than Guideline LTV of 75% A |
| 9058413 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2025 | Resolved | FCRE6737 | Credit | Missing Letter of Explanation (Income) | borrower to confirm how business is set up (inc, LLC) and what the business does. Per GL's Twelve Month Bank Statement Program | XXX Response: Uploading both S/E LOE's. | 04/17/2025 | Explanation of business and ownership provided. Condition cleared.; Document Uploaded. | 04/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.49% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 44.49% is less than Guideline LTV of 75% A |
| 9058413 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.49% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 44.49% is less than Guideline LTV of 75% A |
| 9058413 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.49% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 44.49% is less than Guideline LTV of 75% A |
| 9058410 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The seller is XXX. Provide evidence that XXX is an authorized signer. | XXX Response: This is a function of title, the executed Grant Deed in the closing package shows the signor is the Secretary. Uploading for review but we will not have internal title docs. | 04/17/2025 | Property Title Issue Resolved; Document Uploaded. | 04/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.81% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.81% is less than Guideline CLTV of 65% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9058410 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser's, appraisal companies, and underXXX were not checked with Exclusionary lists. | Client provided attached document in response. ; XXX Response: Uploading updated DataVerify report, due to appraisal company being on CSC watchlist, a 3rd party BPO has been ordered and provided to support value. | 04/28/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. ; Third Party BPO was not attached. Please provide the BPO for review. Thank you.; Document Uploaded. | 04/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.81% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.81% is less than Guideline CLTV of 65% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9058410 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2025 | Acknowledged | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The borrower is a wage earner. Provide a A verbal verification of employment ("VVOE") will be conducted by CSC within XXX hours prior to funding. | Client provided attached document in response. ; Client provided attached document in response. | 04/28/2025 | Lender Exception to allow VVOE outside days prior to funding approved by JJ.; Document Uploaded. ; Per Section I (page XXX) of Lender Guides, Verbal Verification of Employment by CSC will be conducted within XXX hours prior to funding. Please provide a VVOE from XXX dated within XXX days of funding date. Thank you.; Document Uploaded. | 04/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.81% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.81% is less than Guideline CLTV of 65% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9058410 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.81% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.81% is less than Guideline CLTV of 65% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9058410 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.81% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.81% is less than Guideline CLTV of 65% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9058409 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2025 | Acknowledged | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The borrower is using the No Score/ No Depth Program which requires full income documentation. A Lender exception is in the file to use XXX months bank Statements. Compensating factors include XXX month housing history. |  |  |  | 04/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.58% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.58% is less than Guideline CLTV of 65% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9058409 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The title was vested in HXXX XXX. XXXXX, XXX XXX XXX XXXXX and XXX XXXXX XXX. Provide a Quit Claim from XXX XXX XXXXX to XXX XXX XXX XXXXX and XXX XXXXX XXX. | XXX Response: Uploading executed Grant Deed. | 04/17/2025 | Property Title Issue Resolved; Document Uploaded. ; Document Uploaded. | 04/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.58% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.58% is less than Guideline CLTV of 65% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9058409 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2025 | Resolved | FCRE3500 | Credit | Borrower residency documentation not provided or issue with documentation | The ITIN letters for the borrower and co-borrower are stamped VOID. Provide current ITIN letter/cards. Provide name of originating country for the borrower and co-borrower. | XXX Response: IRS is not visible in copied forms. Check Google images for the ITIN letter and it is the same format. | 04/17/2025 | ITIN documentation provided is sufficient. Condition cleared.; | 04/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.58% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.58% is less than Guideline CLTV of 65% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9058409 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.58% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.58% is less than Guideline CLTV of 65% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9058409 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.58% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.58% is less than Guideline CLTV of 65% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9058335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report with all interested parties verified. | Client provided attached documentation in response. | 04/16/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9058335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 70% exceeds Guideline LTV of 65% An approved exception is in file to allow 70% LTV on a No Ratio and FICO of XXX with compensating factors of strong collateral and large reserves. XXX Rate Sheet XX/XX/XXXX reflects max LTV 65% for purchase with minimum FICO of XXX for No Ratio DSCR. | Client provided attached documentation in response. | 04/16/2025 | Lender Exception to XXX% on a No Ratio and XXX FICO approved by KG.; Document Uploaded. | 04/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9058335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 70% exceeds Guideline HCLTV of 65% An approved exception is in file to allow 70% LTV on a No Ratio and FICO of XXX with compensating factors of strong collateral and large reserves. XXX Rate Sheet XX/XX/XXXX reflects max LTV 65% for purchase with minimum FICO of XXX for No Ratio DSCR. | Client provided attached documentation in response. | 04/16/2025 | Lender Exception to XXX% on a No Ratio and XXX FICO approved by KG.; Document Uploaded. | 04/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9058335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 70% exceeds Guideline CLTV of 65% An approved exception is in file to allow 70% LTV on a No Ratio and FICO of XXX with compensating factors of strong collateral and large reserves. XXX Rate Sheet XX/XX/XXXX reflects max LTV 65% for purchase with minimum FICO of XXX for No Ratio DSCR. | Client provided attached documentation in response. | 04/16/2025 | Lender Exception to XXX% on a No Ratio and XXX FICO approved by KG.; Document Uploaded. | 04/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9058335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9058335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9058329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 75% exceeds Guideline LTV of 70% The file contains an approved exception to allow an LTV to XXX%; however, there are no compensating factors noted. XXX Rate Sheet XX/XX/XXXX reflects max LTV/CLTV of 70% for purchase with minimum XXX FICO for DSCR greater than or equal to XXX to less than XXX. | Client provided attached document in response. | 04/16/2025 | Lender Exception to XXX% with DSCR <.XXX approved by KG.; Document Uploaded. | 04/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9058329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 75% exceeds Guideline HCLTV of 70% The file contains an approved exception to allow an LTV to XXX%; however, there are no compensating factors noted. XXX Rate Sheet XX/XX/XXXX reflects max LTV/CLTV of 70% for purchase with minimum XXX FICO for DSCR greater than or equal to XXX to less than XXX. | Client provided attached document in response. | 04/16/2025 | Lender Exception to XXX% with DSCR <.XXX approved by KG.; Document Uploaded. | 04/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9058329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 75% exceeds Guideline CLTV of 70% The file contains an approved exception to allow an LTV to XXX%; however, there are no compensating factors noted. XXX Rate Sheet XX/XX/XXXX reflects max LTV/CLTV of 70% for purchase with minimum XXX FICO for DSCR greater than or equal to XXX to less than XXX. | Client provided attached document in response. | 04/16/2025 | Lender Exception to XXX% with DSCR <.XXX approved by KG.; Document Uploaded. | 04/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9058329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9058329 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9058304 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report with all interested parties verified. | Client provided attached documentation in response. | 04/18/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9058304 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9058304 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9058266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2025 | Acknowledged | FCOM3592 | Credit | Missing Taxpayer First Act Disclosure | Taxpayer First Act Disclosure is missing. |  |  | Non-Material finding already graded 2/B; acknowledged | 03/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.17% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.17% is less than Guideline LTV of 75% A |
| 9058266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.17% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.17% is less than Guideline LTV of 75% A |
| 9058266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.17% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.17% is less than Guideline LTV of 75% A |
| 9058268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, settlement agent, and underXXX were not checked with the Exclusionary lists. | Client provided attached document in response. ; Client provided attached document in response. | 05/13/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. ; Settlement Agent is still reflecting as XXX which is on the CSC Watch List. Please correct the Settlement Agent to XXX, XXX as listed on the final HUD1.; Document Uploaded. ; Data Verify report provided reflects Title Company/Settlement company name of XXX, Inc on the CSC Watch List. Based on the documentation in file, the Settlement Agent was XXX, XXX. Please provide an updated/corrected Data Verify report with correct Settlement Agent/Title Company for review. Thank you.; Document Uploaded. | 05/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9058268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements A VOR for the primary residence dated XX/XX/XXXX is in the file. The mortgage / rental rating for determining the mortgage pricing is determined by evaluating the ratings for properties that the borrower owns and / or rents over the last twelve months. Provide evidence the XX/XX/XXXX rent payment was made with a copy of cancelled check (front/back) or bank Statement showing the withdrawal of funds. Per GL's XX/XX/XXXX & XX/XX/XXXX | Client provided attached document in response. | 04/21/2025 | Lender Exception to waive most recent months VOR approved by JJ.; Document Uploaded. | 04/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9058268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9058268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9058270 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The credit report shows XXX #XXX pay-history through XXX/XXX. Mortgage Statements shows proof of XX/XX/XXXX and XX/XX/XXXX payments. The mortgage rating for determining the mortgage pricing is determined by evaluating the ratings for properties that the borrower owns over the last twelve months. Provide evidence the XX/XX/XXXX payment was made to XXX #XXX | Client provided attached document in response. | 04/21/2025 | Housing History Meets Guideline Requirements; Document Uploaded. | 04/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.67% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.67% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9058270 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, title company/settlement agent, and underXXX were not checked with the Exclusionary lists. | Client provided attached document in response. | 04/21/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.67% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.67% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9058270 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.67% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.67% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9058270 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 30.67% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 30.67% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9058358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraisal company and settlement agent were not checked with the Exclusionary lists. | XXX Response: Uploading updated DataVerify report. | 04/25/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9058358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2025 | Resolved | FCRE6019 | Credit | Borrower 1 Citizenship Documentation not provided | Borrower 1 XXXhip Documentation Is Missing Provide a non-expired government issued picture identification (i.: US State driver's license, US or foreign Passport, US Military ID, Permanent Resident Card). Per GL's XX/XX/XXXX | XXX Response: Uploading updated DataVerify report. | 04/25/2025 | XXXhip Documentation is provided.; Document Uploaded. ; Document Uploaded. | 04/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9058358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements XXX Loan Admin #XXX is reported on the credit report; date of last payment XXX/XXX. All mortgages which are on the borrowers credit report must be reported through the most recent month. Provide evidence Jan and Feb XXX payments have been made. In addition provide a property report for XXX XXX., XXX, XXX (shown on the loan application). Per GL's XX/XX/XXXX | XXX Response: Per Credit Memo dated XX/XX/XXXX, if no housing lates are reporting, the ratings will be good for XXX days. | 04/25/2025 | Housing History Meets Guideline Requirements; | 04/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9058358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant; Compliant | 03/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9058358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant; Compliant | 03/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9058432 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/28/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report with all interested parties verified. | Client provided attached documentation in response. | 04/23/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 20.66% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 20.66% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9058432 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 20.66% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 20.66% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9058432 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 20.66% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 20.66% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9058440 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/28/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report with all interested parties verified. | Client provided attached documentation in response. | 04/23/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9058440 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/28/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 03/31/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9058440 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/28/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | 03/31/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9058440 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/31/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9058276 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/28/2025 | Resolved | FCRE2900 | Credit | Borrower Non-US Citizen Identification Document Missing | Non XXX Borrower is missing Identification Document. The loan application shows the borrower is a XXX. However, the social security card is for work purposes only. Provide evidence such as a passport, VISA, unexpired work authorization, or ITIN documentation. Per GL's XX/XX/XXXX | XXX Response: Borrower does not have any other form of ID to validate him as an NPRA, that is why he is considered an ITIN. Please escalate to supervisor for review if necessary.; XXX Response: The 1003 was incorrect as this borrower is an ITIN, uploading corrected 1003 but will reflect as NPRA since ITIN is not an option with our software. | 05/12/2025 | Borrower qualified as ITIN. No documentation available per client. Condition cleared.; ; The Borrower provided a copy of their Social Security card reflecting valid for work only with DHS Authorization. Based on the documentation in file and Loan Approval, the Borrower was considered a Non-Perm Res Alien. Please provide a copy of an unexpired Work Authorization and VISA as required per Section XXX. Thank you.; Non XXX Borrower is missing Identification Document.; Document Uploaded. | 05/13/2025 | D B A |
| 9058276 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/28/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, settlement company and underXXX were not checked with Exclusionary Lists. | XXX Response: Uploading updated DataVerify report | 04/24/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/13/2025 | D B C A |
| 9058276 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/28/2025 | Acknowledged | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. The Lender exception for a First Time Home Buyer to use the DSCR Program requires XXX months reserves. No reserves were verified. | XXX Response: Uploading updated ULAW with comp factors. | 04/24/2025 | Lender Exception for FTHB on a NOO purchase waiving XXX months reserves approved by JJ.; Document Uploaded. | 04/25/2025 | D B C A |
| 9058276 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/31/2025 | D B A |
| 9058276 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/31/2025 | D B A |
| 9058310 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Provide evidence of XXX., signor is authorized. | XXX Response: This is a function of title, uploading Final Title Policy showing now in our borrowers' names and entity. | 04/24/2025 | Property Title Issue Resolved; Document Uploaded. | 04/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% A |
| 9058310 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FCRE1480 | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Provide XXX Exchange agreement reflecting ALL parameters. GL's XX/XX/XXXX | XXX Response: Uploading XXX Exchange Agreement and movement of funds. | 04/24/2025 | Asset Record XXX Meets G/L Requirements Or XXX; Document Uploaded. | 04/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% A |
| 9058310 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements A Letter States XXX from XXX exchange was sent to escrow deposit. The HUD shows the deposit money is XXX However, the receipt is for XXX wire sent to escrow on XX/XX/XXXX. Provide documentation to reconcile the difference of $XXX. Per GL's XXX XX/XX/XXXX | XXX Response: Uploading updated 1003 for funds to close with XXX. Per Sec XXX do not need to source funds moving from account to account and the XXX Exchange netted over $XXX. | 04/24/2025 | Asset Qualification Meets Guideline Requirements; Document Uploaded. | 04/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% A |
| 9058310 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, settlement agent, exchange company, processor and underXXX were not checked with Exclusionary lists. | XXX Response: Uploading updated DataVerify report. | 04/24/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% A |
| 9058310 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% A |
| 9058310 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% A |
| 9058349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The appraisal shows units XXX and XXX are vacant. Vacant properties are not permitted for refinances (cash out or rate term). Per GL's XX/XX/XXXX | XXX Response: XXX Lending does not consider vacant units the same as a vacant property with zero tenants. If any of the units is occupied, the subject is considered tenant occupied. | 04/25/2025 | Property/Appraisal Meets Guidelines; | 04/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.46% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 38.46% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9058349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, settlement agent, and underXXX were not checked with Exclusionary lists. | Client provided attached documentation in response. | 04/25/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 04/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.46% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 38.46% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9058349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FCRE7805 | Credit | Missing Income - Bank Statements | The Twelve Month Bank Statement Program was used. Bank Statements must be dated within XXX days from the Statement ending date as of the date of closing. Provide the XX/XX/XXXX bank Statement from XXX #XXX | XXX Response: Per credit memo dated XX/XX/XXXX, this expiration has been pushed to XXX days. | 04/25/2025 | No guideline violation per updated credit memo; condition cleared.; | 04/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.46% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 38.46% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9058349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.46% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 38.46% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9058346 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The credit report shows mortgages with WFHN #XXX & XXX reported through XXX/XXX. Provide evidence XX/XX/XXXX payments were made. Per GL's XX/XX/XXXX | XXX Response: Per Credit Memo dated XX/XX/XXXX, the rating expirations have been extended out to XXX days if no credit lates are reporting and none are. | 05/01/2025 | Housing History Meets Guideline Requirements; | 05/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 35.71% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.71% is less than Guideline CLTV of 80% A |
| 9058346 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company and underXXX were not checked with Exclusionary lists. | Exception: Uploading updated DataVerify report. | 05/01/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 35.71% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.71% is less than Guideline CLTV of 80% A |
| 9058346 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 35.71% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.71% is less than Guideline CLTV of 80% A |
| 9058346 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 35.71% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.71% is less than Guideline CLTV of 80% A |
| 9058347 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The Title is vested in XXX XXX XXXXX and XXX XXX XXXXX, XXX and XXX, as XXX in the Entirety, as to an undivided XXX% interest, and XXX, a XXX company, as to an undivided XXX% interest, as tenants in common. XXX is not listed as seller on the purchase contract. Provide evidence the sellers are the authorized signers for XXX. | Client provided attached document. | 05/09/2025 | Property Title Issue Resolved; Document Uploaded. | 05/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.62% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.62% is less than Guideline LTV of 75% A |
| 9058347 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2025 | Acknowledged | FPRO1502 | Property | HOA Does Not Meet Guidelines | HOA Does Not Meet Guidelines The subject is an investment condominium which requires XXX% of the total units to be owner occupied. The appraisal shows the primary occupancy is second home or recreational, XXX% owner occupied. There is XXX commercial unit in the project. Commercial uses is allowed on the first floor only. Per GL's XX/XX/XXXX Condominium Eligibility Requirements | Documentation provided. | 05/13/2025 | Lender Exception for Non XXX Condo/Condotel on No Ratio/DSCR approved by KG.; Document Uploaded. | 05/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.62% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.62% is less than Guideline LTV of 75% A |
| 9058347 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2025 | Acknowledged | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX The subject is a non XXX condominium which requires minimum DSCR of XXX | Client provided attached document. | 05/09/2025 | Lender Exception for DSCR as a No Ratio loan approved by KG.; Document Uploaded. | 05/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.62% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.62% is less than Guideline LTV of 75% A |
| 9058347 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.62% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.62% is less than Guideline LTV of 75% A |
| 9058437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, and underXXX were not checked with Exclusionary lists. | Client provided attached document in response. | 05/13/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.49% is less than Guideline CLTV of 65% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 40.49% is less than Guideline LTV of 65% A |
| 9058437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements When the minimum score and credit depth is not met, a XXX month housing history is required. The borrower has no credit scores and XXX closed tradeline. The borrower lives rent free so housing history is not met. | Client provided attached document in response. | 05/02/2025 | Lender Exception for XXX/No Score borrower without a housing history approved by JJ.; Document Uploaded. | 05/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.49% is less than Guideline CLTV of 65% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 40.49% is less than Guideline LTV of 65% A |
| 9058437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.49% is less than Guideline CLTV of 65% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 40.49% is less than Guideline LTV of 65% A |
| 9058437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.49% is less than Guideline CLTV of 65% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 40.49% is less than Guideline LTV of 65% A |
| 9058334 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/08/2025 | A |
| 9058334 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 04/08/2025 | A |
| 9058334 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/08/2025 | A |
| 9058354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report with all interested parties verified. | Client provided attached document in response. | 05/13/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9058354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9058354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9058360 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2025 | Resolved | FPRO1245 | Property | Appraisal is Expired | Primary Value Appraisal is Expired Missing a Re-cert of value/Appraisal update. Appraisal completed XX/XX/XXXX, loan closed XX/XX/XXXX. Per Lender GL Section XXX if XXX days exceeded, an update is required. | Client provided attached document in response. | 05/08/2025 | Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist. Re-Cert provided showing no changes to the appraisal. Updating date on appraisal to clear finding.; Document Uploaded. | 05/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9058360 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 04/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9058360 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9058350 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report with all interested parties verified. | Client provided attached document in response. | 05/13/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/14/2025 | D A C |
| 9058350 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | The borrower is a XXX; however, there is no credit reference in the file. Lender to provide an international credit report; or an original credit reference letter from an internationally known financial institution; or a bank Statement documenting a foreign banking relationship for the past XXX-days. Guideline section XX/XX/XXXXs | Client provided attached documents in response. | 05/07/2025 | BOA #XXX is an internal/globally recognized bank. XXX months bank Statements in file which meets guideline requirement, an LOE from a foreign bank not required. Condition cleared.; ; Document Uploaded. | 05/12/2025 | D A |
| 9058350 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2025 | Resolved | FCRE3605 | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: A letter of explanation in file references funds from the XXX exchange will be used for funds to close; however, the exchange agreement and verification of funds are not in the file. Lender to provide the XXX Exchange Agreement and verification of funds from the Qualified Intermediary. Guideline section XX/XX/XXXX IRS XXX Exchange | XXX Response: Uploading updated ULAW with comp factors. | 05/07/2025 | Documentation supports XXX exchange documentation for the sale of XXX XXX, XXX, XXX transferred to subject Settlement Statement. Condition cleared.; Document Uploaded. | 05/08/2025 | D A |
| 9058350 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/09/2025 | D A |
| 9058350 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/09/2025 | D A |
| 9058444 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, seller, listing agent, selling agent, settlement agent, processor and underXXX were not checked with Exclusionary lists. | Client provided attached document in response. | 05/13/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.14% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.14% is less than Guideline LTV of 75% A |
| 9058444 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.14% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.14% is less than Guideline LTV of 75% A |
| 9058444 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.14% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.14% is less than Guideline LTV of 75% A |
| 9058441 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The contract shows buyer is XXX. The borrower signed as authorized signer for XXX. The contract must show the borrower as the purchaser of the property. Borrowers/purchasers reflected as "or assignee" is not allowed. Provide the contract addendum transXXXXXg the contract to the borrower's individual name. | XXX Response: Uploading contract addendum to borrower's personal name. | 05/07/2025 | Property Title Issue Resolved; Document Uploaded. | 05/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.28% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.28% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9058441 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Business bank Statements from XX/XX/XXXX - XX/XX/XXXX for XXX #XXX and XX/XX/XXXX - XX/XX/XXXX from XXX #XXX were provided for the Twelve month bank Statement program. The bank Statement for income must be within XXX days from the Statement ending date as of the date of closing. Provide XXX XXX #XXX and XXX #XXX Statements. | XXX Response: Per credit memo dated XX/XX/XXXX, these expirations have been pushed out to XXX days. | 05/07/2025 | Income and Employment Meet Guidelines; Per Credit Memo dated XX/XX/XXXX received on XX/XX/XXXX, bank Statement income updated to XXX days from ending date increased from XXX days. Income and Employment Meet Guidelines.; | 05/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.28% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.28% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9058441 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser's, appraisal companies, Listing agent, selling agent, settlement agent, processor and underXXX were not checked with Exclusionary lists. | Client provided attached document in response. | 05/13/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.28% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.28% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9058441 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2025 | Acknowledged | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Gift letters for XXX and XXX from the borrowers sister are in the file. The wire advice shows the originating part of the funds asXXX. This does not match the donors name on the gift letter. Provide documentation to show XXX is the donor's account. Per GL's XX/XX/XXXX Gift Funds: Receipt of Gift Funds | XXX Response: The XXX account is the borrower's account and it was for the EMD that was later backed out. Uploading IN SOS filings showing she is the single member. This entity was not used for qualification so use of its funds does not require an LOE and since the LTV is below XXX% the actual Statements are not required | 05/07/2025 | Lender Exception to waive proof of gift receipt approved by JJ.; Document Uploaded. ; The gift letters in file indicate the funds were wired directly to escrow, however, the documentation provided indicates the Borrower's business, XXX, wired the funds to escrow as additional deposits vs. coming from the gift donor. Please provide an updated 1003 reflecting the XXX bank account used as the source of funds (per Section XXX) and a copy of the wire receipt/certified check from the donor's account into the borrower's XXX account confirming receipt of XXX and XXX gifts as required per Section XXX. Thank you.; Document Uploaded. ; - | 05/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.28% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.28% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9058441 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.28% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.28% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9058441 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.28% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.28% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9058364 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report with all interested parties verified. The seller was not checked with Exclusionary lists. | Client provided attached document in response. | 05/13/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.99% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.99% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9058364 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.99% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.99% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9058364 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.99% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.99% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9058375 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Borrower to provide a written explanation for the XXX late payments for XXX home improvement loan. The letter should explain why the delinquency occurred and a reasonable expectation must be established that the problem has been resolved and not likely to recur. per GL's XX/XX/XXXX | XXX Response: The XXX loan was cancelled due to fraudulent activity by that lender. Borrower loan was cancelled out after legal action. Uploading XXX letter with XXX other parties and cancellation from XXX. XXX Lending has determined the XXX day late linked with lender fraud and not an actual reflection of the borrower's creditworthiness and will be fully disregarded and the XXX LOE is acceptable on behalf of the borrower. | 05/12/2025 | Borrower's credit sufficiently documented. Condition cleared.; ; Document Uploaded. | 04/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 9058375 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, settlement agent, seller, listing agent, selling agent and underXXX were not checked with Exclusionary lists. | Client provided attached document in response. | 05/13/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 9058375 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The credit report shows a Home Improvement loan with XXX #XXX last reported XXX/XXX. Provide evidence of payments for XX/XX/XXXX - XXX/XXX. Per GL's XX/XX/XXXX | XXX Response: The XXX loan was cancelled due to fraudulent activity by that lender. Borrower loan was cancelled out after legal action. Uploading XXX letter with XXX other parties and cancellation from XXX. XXX Lending has determined the XXX day late linked with lender fraud and not an actual reflection of the borrower's creditworthiness and will be fully disregarded and the XXX LOE is acceptable on behalf of the borrower. | 05/12/2025 | Housing History Meets Guideline Requirements; Document Uploaded. | 05/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 9058375 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 80% exceeds Guideline LTV of 65% The maximum LTV for a no ratio DSCR and mortgage XXX days late in previous XXX months is XXX% | XXX Response: Uploading updated ULAW with comp factors. | 05/12/2025 | Lender Exception to XXX% approved by CT.; | 05/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 9058375 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 80% exceeds Guideline HCLTV of 65% The maximum HCLTV for a no ratio DSCR and mortgage XXX days late in previous XXX months is XXX% | XXX Response: Uploading updated ULAW with comp factors. | 05/12/2025 | Lender Exception to XXX% approved by CT.; Document Uploaded. | 05/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 9058375 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 80% exceeds Guideline CLTV of 65% The maximum CLTV for a no ratio DSCR and mortgage XXX days late in previous XXX months is XXX% | XXX Response: Uploading updated ULAW with comp factors. | 05/12/2025 | Lender Exception to XXX% approved by CT.; Document Uploaded. | 05/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 9058375 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2025 | Acknowledged | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The XXX IRA Statement shows a distribution of XXX on XX/XX/XXXX. An account history transaction for XXX shows the distribution deposited on XX/XX/XXXX. However, the transaction history does not show the account number. There is a Lender exception to accept the transaction history from XXX with the account number missing. Compensating factor is large reserves. Provide a second compensating factor. | XXX Response: Uploading updated ULAW with comp factors. | 05/12/2025 | Lender Exception to accept the updated asset Statement from XXX #XXX-XXX with an ending date of XX/XX/XXXX without an account number approved by XXX and XXX.; Document Uploaded. | 05/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 9058375 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 9058353 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Provide a signed and dated lease with a copy of 1st months rent and security deposit received. Per GL's XXX XX/XX/XXXX & XX/XX/XXXX | XXX Response: Uploading lease agreement and copies of money orders and deposits. | 05/12/2025 | Income and Employment Meet Guidelines; Document Uploaded. | 05/14/2025 | C A |
| 9058353 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Provide the Conditional Loan Approval | XXX Response: Uploading approval. | 05/12/2025 | Approval/Underwriting Summary is fully XXX; Document Uploaded. | 05/14/2025 | C A B |
| 9058353 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The co-borrower, appraiser, appraisal company, settlement agent, processor and underXXX were not checked with Exclusionary lists. | Client provided attached document in response. | 05/13/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/14/2025 | C A |
| 9058353 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The appraisal shows the subject is vacant. Vacant properties are not allowed per Per GL's XX/XX/XXXX | XXX Response: Uploading lease agreement and copies of money orders and deposits. This is enough for XXX Lending to show a new tenant is inbound with the first month's rent already paid. | 05/12/2025 | Property/Appraisal Meets Guidelines; Document Uploaded. | 05/14/2025 | C A |
| 9058353 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/14/2025 | C A |
| 9058365 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The primary residence; XXX XXX, XXX, XXX has a mortgage with XXX L XXX XXX Provide previous XXX months pay-history. Per GL's XX/XX/XXXX & XX/XX/XXXX | Client provided attached document in response. ; XXX Response: Uploading pay history from lender, expiration is XXX days when there are no lates in last XXX months reporting. | 05/14/2025 | Housing History Meets Guideline Requirements; Document Uploaded. ; Please provide XXX month payment history for XXX XXX (documentation provided was for the subject property). Thank you.; Document Uploaded. ; Document Uploaded. | 05/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.87% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.87% is less than Guideline LTV of 75% D A |
| 9058365 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Provide a copy of the signed Deed from XXX, an XXX limited liability company to XXX | XXX Response: Uploading deed. | 05/12/2025 | Property Title Issue Resolved; Document Uploaded. | 05/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.87% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.87% is less than Guideline LTV of 75% D A |
| 9058365 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Provide the Loan Approval | Client provided attached document in response. ; XXX Response: Uploading approval. | 05/14/2025 | Approval/Underwriting Summary is fully XXX; Document Uploaded. ; Approval was not provided. ; | 05/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.87% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.87% is less than Guideline LTV of 75% D A |
| 9058365 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The appraiser, appraisal company, settlement agent, and underXXX were not checked with Exclusionary lists. | Client provided attached document in response. | 05/13/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 05/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.87% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.87% is less than Guideline LTV of 75% D A |
| 9058365 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | Provide executed lease agreement for each unit. Per GL's Rental Income | XXX Response: Uploading lease agreement for entire property at XXX | 05/12/2025 | Lease(s) expired on XX/XX/XXXX, however, automatically converted to a month to month. Condition cleared.; Document Uploaded. | 05/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.87% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.87% is less than Guideline LTV of 75% D A |
| 9058365 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.87% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.87% is less than Guideline LTV of 75% D A |
| 9058365 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.87% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.87% is less than Guideline LTV of 75% D A |
| 9058368 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Missing the Business Purpose Loan Certification and Attestation. | Client provided attached document in response. | 05/08/2025 | Business Purpose Affidavit/Disclosure Provided; Document Uploaded. | 05/12/2025 | D A |
| 9058368 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing proof of February and March XXX mortgage payments for subject loan, XXX/XXX #XXX. | XXX Response: The expiration dates are now XXX days if no lates are reporting, per credit memo dated XX/XX/XXXX. | 05/09/2025 | Housing History Meets Guideline Requirements; | 05/12/2025 | D A C |
| 9058368 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/14/2025 | D A |
| 9058368 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/14/2025 | D A |
| 9058420 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/11/2025 | Acknowledged | FCRE1199 | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited Loan Amount of XXX is greater than the Guideline Maximum Loan Amount of XXX loan amount exceeds the $XXX max for Second Homes per Pricing Sheet ID: XXX $XXX can only be exceeded for Primary homes. | Client provided attached document in response. | 05/12/2025 | Lender Exception to $35M loan amount approved by KL.; Document Uploaded. | 05/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9058420 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9058420 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |

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| | | |
|:---|:---|:---|
| **Loan Number** | **ALT ID 1** | **Original Balance** |
| 9006603 | XXXXX | $XXXXXX A C B |
| 9006641 | XXXXX | $XXXXXX C A B |
| 9006600 | XXXXX | $XXXXXX A D |
| 9006770 | XXXXX | $XXXXXX A |
| 9006793 | XXXXX | $XXXXXX A |
| 9006794 | XXXXX | $XXXXXX A D |
| 9006795 | XXXXX | $XXXXXX A |
| 9006602 | XXXXX | $XXXXXX C A B |
| 9006501 | XXXXX | $XXXXXX A C |
| 9006632 | XXXXX | $XXXXXX C A B |
| 9006796 | XXXXX | $XXXXXX A |
| 9006713 | XXXXX | $XXXXXX A |
| 9006797 | XXXXX | $XXXXXX A D |
| 9006698 | XXXXX | $XXXXXX C A B |
| 9006755 | XXXXX | $XXXXXX C A D B |
| 9006565 | XXXXX | $XXXXXX A |
| 9006756 | XXXXX | $XXXXXX C A B |
| 9006561 | XXXXX | $XXXXXX A |
| 9007137 | XXXXX | $XXXXXX A C B |
| 9006492 | XXXXX | $XXXXXX D C A B |
| 9006503 | XXXXX | $XXXXXX C A B |
| 9006747 | XXXXX | $XXXXXX A |
| 9006820 | XXXXX | $XXXXXX C A D |
| 9006798 | XXXXX | $XXXXXX A |
| 9006666 | XXXXX | $XXXXXX A D |
| 9007168 | XXXXX | $XXXXXX C D A |
| 9006821 | XXXXX | $XXXXXX A C B |
| 9006612 | XXXXX | $XXXXXX A |
| 9006800 | XXXXX | $XXXXXX A |
| 9006624 | XXXXX | $XXXXXX A C B |
| 9006596 | XXXXX | $XXXXXX A C B |
| 9006801 | XXXXX | $XXXXXX A |
| 9006802 | XXXXX | $XXXXXX C A B |
| 9006534 | XXXXX | $XXXXXX C A B |
| 9006530 | XXXXX | $XXXXXX C A |
| 9006524 | XXXXX | $XXXXXX D C A B |
| 9006547 | XXXXX | $XXXXXX A C B |
| 9006823 | XXXXX | $XXXXXX C A |
| 9006757 | XXXXX | $XXXXXX C A |
| 9006824 | XXXXX | $XXXXXX C A D |
| 9006803 | XXXXX | $XXXXXX C A B |
| 9006630 | XXXXX | $XXXXXX A C B |
| 9006825 | XXXXX | $XXXXXX A C B |
| 9006528 | XXXXX | $XXXXXX C D A B |
| 9006548 | XXXXX | $XXXXXX C B |
| 9006688 | XXXXX | $XXXXXX A C B |
| 9006690 | XXXXX | $XXXXXX A |
| 9006849 | XXXXX | $XXXXXX C A B |
| 9006773 | XXXXX | $XXXXXX D C A B |
| 9006774 | XXXXX | $XXXXXX A C |
| 9006515 | XXXXX | $XXXXXX C D B A |
| 9007188 | XXXXX | $XXXXXX A |
| 9006669 | XXXXX | $XXXXXX A |
| 9006725 | XXXXX | $XXXXXX C A D B |
| 9006640 | XXXXX | $XXXXXX C A B |
| 9006517 | XXXXX | $XXXXXX A C B |
| 9006508 | XXXXX | $XXXXXX D C A B |
| 9006621 | XXXXX | $XXXXXX A C B |
| 9006768 | XXXXX | $XXXXXX A |
| 9006616 | XXXXX | $XXXXXX A |
| 9006750 | XXXXX | $XXXXXX A C B |
| 9006601 | XXXXX | $XXXXXX C A B |
| 9006848 | XXXXX | $XXXXXX A |
| 9006645 | XXXXX | $XXXXXX A C |
| 9006807 | XXXXX | $XXXXXX C A B |
| 9006703 | XXXXX | $XXXXXX C A B |
| 9006781 | XXXXX | $XXXXXX C A |
| 9006706 | XXXXX | $XXXXXX A |
| 9006732 | XXXXX | $XXXXXX A C D B |
| 9006574 | XXXXX | $XXXXXX A C B |
| 9006826 | XXXXX | $XXXXXX A |
| 9007189 | XXXXX | $XXXXXX A C |
| 9007143 | XXXXX | $XXXXXX C A |
| 9006648 | XXXXX | $XXXXXX A C B |
| 9006562 | XXXXX | $XXXXXX D C A B |
| 9007510 | XXXXX | $XXXXXX C A B |
| 9006533 | XXXXX | $XXXXXX C A |
| 9007095 | XXXXX | $XXXXXX C A |
| 9006573 | XXXXX | $XXXXXX D C A |
| 9006851 | XXXXX | $XXXXXX C A |
| 9006540 | XXXXX | $XXXXXX A C |
| 9006758 | XXXXX | $XXXXXX A |
| 9006697 | XXXXX | $XXXXXX D C A |
| 9006571 | XXXXX | $XXXXXX D C A B |
| 9006670 | XXXXX | $XXXXXX A |
| 9007128 | XXXXX | $XXXXXX A D C B |
| 9006591 | XXXXX | $XXXXXX A C B |
| 9006496 | XXXXX | $XXXXXX A D |
| 9006557 | XXXXX | $XXXXXX D C A B |
| 9006727 | XXXXX | $XXXXXX A D |
| 9006592 | XXXXX | $XXXXXX A |
| 9006593 | XXXXX | $XXXXXX C A |
| 9006737 | XXXXX | $XXXXXX A |
| 9006736 | XXXXX | $XXXXXX A D |
| 9006544 | XXXXX | $XXXXXX A |
| 9006748 | XXXXX | $XXXXXX A |
| 9006595 | XXXXX | $XXXXXX A C D B |
| 9006644 | XXXXX | $XXXXXX D C A B |
| 9006536 | XXXXX | $XXXXXX C A |
| 9006680 | XXXXX | $XXXXXX A |
| 9006829 | XXXXX | $XXXXXX A |
| 9006609 | XXXXX | $XXXXXX A C B |
| 9006491 | XXXXX | $XXXXXX A |
| 9006499 | XXXXX | $XXXXXX C A D B |
| 9006569 | XXXXX | $XXXXXX A |
| 9006672 | XXXXX | $XXXXXX A C B |
| 9006776 | XXXXX | $XXXXXX A |
| 9006738 | XXXXX | $XXXXXX A |
| 9006724 | XXXXX | $XXXXXX A D |
| 9006626 | XXXXX | $XXXXXX C A |
| 9006852 | XXXXX | $XXXXXX C A D B |
| 9006704 | XXXXX | $XXXXXX A |
| 9006685 | XXXXX | $XXXXXX D C A |
| 9006545 | XXXXX | $XXXXXX A C |
| 9006782 | XXXXX | $XXXXXX A |
| 9006582 | XXXXX | $XXXXXX C A B |
| 9007116 | XXXXX | $XXXXXX C A B |
| 9006733 | XXXXX | $XXXXXX A D |
| 9007060 | XXXXX | $XXXXXX A |
| 9006787 | XXXXX | $XXXXXX A |
| 9006607 | XXXXX | $XXXXXX D C A |
| 9006532 | XXXXX | $XXXXXX A |
| 9006741 | XXXXX | $XXXXXX A |
| 9006637 | XXXXX | $XXXXXX A C B |
| 9007182 | XXXXX | $XXXXXX A |
| 9006673 | XXXXX | $XXXXXX C A B |
| 9006509 | XXXXX | $XXXXXX A |
| 9006831 | XXXXX | $XXXXXX A |
| 9006618 | XXXXX | $XXXXXX A |
| 9006682 | XXXXX | $XXXXXX A C |
| 9006619 | XXXXX | $XXXXXX C A |
| 9006613 | XXXXX | $XXXXXX C A |
| 9006812 | XXXXX | $XXXXXX C A D |
| 9006627 | XXXXX | $XXXXXX A C B |
| 9006589 | XXXXX | $XXXXXX A |
| 9006567 | XXXXX | $XXXXXX A D |
| 9006754 | XXXXX | $XXXXXX D C A B |
| 9006752 | XXXXX | $XXXXXX A |
| 9006763 | XXXXX | $XXXXXX C A |
| 9006753 | XXXXX | $XXXXXX C A B |
| 9006777 | XXXXX | $XXXXXX A |
| 9006665 | XXXXX | $XXXXXX D C A B |
| 9006658 | XXXXX | $XXXXXX A C B |
| 9006512 | XXXXX | $XXXXXX A C |
| 9006833 | XXXXX | $XXXXXX D C A |
| 9006642 | XXXXX | $XXXXXX D C B |
| 9006605 | XXXXX | $XXXXXX C A |
| 9006721 | XXXXX | $XXXXXX D C A B |
| 9006854 | XXXXX | $XXXXXX A |
| 9006814 | XXXXX | $XXXXXX A D |
| 9006711 | XXXXX | $XXXXXX A C B |
| 9006778 | XXXXX | $XXXXXX A |
| 9006504 | XXXXX | $XXXXXX A C B |
| 9006834 | XXXXX | $XXXXXX C B A |
| 9006855 | XXXXX | $XXXXXX C A D B |
| 9006611 | XXXXX | $XXXXXX C A B |
| 9006859 | XXXXX | $XXXXXX C A |
| 9007131 | XXXXX | $XXXXXX C A D |
| 9006860 | XXXXX | $XXXXXX A |
| 9006663 | XXXXX | $XXXXXX D C A |
| 9007191 | XXXXX | $XXXXXX C A |
| 9006541 | XXXXX | $XXXXXX C A |
| 9007183 | XXXXX | $XXXXXX D A |
| 9006719 | XXXXX | $XXXXXX C A B |
| 9007192 | XXXXX | $XXXXXX D A B |
| 9006836 | XXXXX | $XXXXXX C A |
| 9006837 | XXXXX | $XXXXXX C A B |
| 9006838 | XXXXX | $XXXXXX A |
| 9007138 | XXXXX | $XXXXXX C A B |
| 9006675 | XXXXX | $XXXXXX D C A B |
| 9006539 | XXXXX | $XXXXXX A C B |
| 9006790 | XXXXX | $XXXXXX A |
| 9006856 | XXXXX | $XXXXXX A |
| 9006552 | XXXXX | $XXXXXX A C |
| 9006558 | XXXXX | $XXXXXX A C |
| 9006729 | XXXXX | $XXXXXX A |
| 9006730 | XXXXX | $XXXXXX A |
| 9006723 | XXXXX | $XXXXXX A |
| 9006857 | XXXXX | $XXXXXX A |
| 9006816 | XXXXX | $XXXXXX A |
| 9006760 | XXXXX | $XXXXXX C A |
| 9006687 | XXXXX | $XXXXXX A C B |
| 9006749 | XXXXX | $XXXXXX C A |
| 9006543 | XXXXX | $XXXXXX A C |
| 9006634 | XXXXX | $XXXXXX C B A |
| 9006785 | XXXXX | $XXXXXX C A |
| 9006679 | XXXXX | $XXXXXX A |
| 9006677 | XXXXX | $XXXXXX A C B |
| 9006702 | XXXXX | $XXXXXX A C B |
| 9006490 | XXXXX | $XXXXXX C A |
| 9006739 | XXXXX | $XXXXXX D C A |
| 9006489 | XXXXX | $XXXXXX D C A B |
| 9006769 | XXXXX | $XXXXXX A D |
| 9006511 | XXXXX | $XXXXXX A C B |
| 9006493 | XXXXX | $XXXXXX B A |
| 9006689 | XXXXX | $XXXXXX A B |
| 9006638 | XXXXX | $XXXXXX A |
| 9006610 | XXXXX | $XXXXXX A |
| 9006551 | XXXXX | $XXXXXX C A B |
| 9006606 | XXXXX | $XXXXXX C A B |
| 9007184 | XXXXX | $XXXXXX C A B |
| 9006623 | XXXXX | $XXXXXX A C B |
| 9006598 | XXXXX | $XXXXXX A C B |
| 9006840 | XXXXX | $XXXXXX A C |
| 9006590 | XXXXX | $XXXXXX C A B |
| 9006744 | XXXXX | $XXXXXX D C A |
| 9006656 | XXXXX | $XXXXXX D C A |
| 9006527 | XXXXX | $XXXXXX A |
| 9006538 | XXXXX | $XXXXXX A C B |
| 9006635 | XXXXX | $XXXXXX A |
| 9006841 | XXXXX | $XXXXXX A |
| 9006726 | XXXXX | $XXXXXX A |
| 9006671 | XXXXX | $XXXXXX A B |
| 9006817 | XXXXX | $XXXXXX A D |
| 9006521 | XXXXX | $XXXXXX A D C |
| 9006844 | XXXXX | $XXXXXX C A |
| 9006646 | XXXXX | $XXXXXX A C B |
| 9006556 | XXXXX | $XXXXXX A C B |
| 9006559 | XXXXX | $XXXXXX B C D A |
| 9006566 | XXXXX | $XXXXXX A |
| 9006700 | XXXXX | $XXXXXX A C B |
| 9006579 | XXXXX | $XXXXXX C A B |
| 9006555 | XXXXX | $XXXXXX C A B |
| 9006691 | XXXXX | $XXXXXX A |
| 9006845 | XXXXX | $XXXXXX A |
| 9006846 | XXXXX | $XXXXXX A |
| 9006563 | XXXXX | $XXXXXX A C B |
| 9006506 | XXXXX | $XXXXXX A D |
| 9006597 | XXXXX | $XXXXXX A |
| 9006564 | XXXXX | $XXXXXX C A B |
| 9006847 | XXXXX | $XXXXXX A |
| 9006818 | XXXXX | $XXXXXX D C A B |
| 9006525 | XXXXX | $XXXXXX A |
| 9006654 | XXXXX | $XXXXXX C A B |
| 9006495 | XXXXX | $XXXXXX D C A B |
| 9006546 | XXXXX | $XXXXXX A C B |
| 9006692 | XXXXX | $XXXXXX A C B |
| 9006631 | XXXXX | $XXXXXX A C B |
| 9006560 | XXXXX | $XXXXXX A D C |
| 9006513 | XXXXX | $XXXXXX A C B |
| 9006699 | XXXXX | $XXXXXX A C B |
| 9006709 | XXXXX | $XXXXXX A C D B |
| 9006712 | XXXXX | $XXXXXX A |
| 9006577 | XXXXX | $XXXXXX C A B |
| 9006554 | XXXXX | $XXXXXX C A |
| 9007102 | XXXXX | $XXXXXX A C B |
| 9058251 | XXXXX | $XXXXXX D B A |
| 9058247 | XXXXX | $XXXXXX A |
| 9058244 | XXXXX | $XXXXXX D A B |
| 9058387 | XXXXX | $XXXXXX C A B |
| 9058248 | XXXXX | $XXXXXX B A |
| 9058242 | XXXXX | $XXXXXX C A B |
| 9058249 | XXXXX | $XXXXXX A |
| 9058245 | XXXXX | $XXXXXX D A |
| 9058243 | XXXXX | $XXXXXX B A |
| 9058287 | XXXXX | $XXXXXX C A B |
| 9058289 | XXXXX | $XXXXXX D A |
| 9058250 | XXXXX | $XXXXXX B A |
| 9058274 | XXXXX | $XXXXXX C A |
| 9058318 | XXXXX | $XXXXXX A |
| 9058339 | XXXXX | $XXXXXX C A |
| 9058413 | XXXXX | $XXXXXX D A B |
| 9058410 | XXXXX | $XXXXXX D A B |
| 9058409 | XXXXX | $XXXXXX C A B |
| 9058335 | XXXXX | $XXXXXX C A B |
| 9058329 | XXXXX | $XXXXXX C A B |
| 9058304 | XXXXX | $XXXXXX C A |
| 9058266 | XXXXX | $XXXXXX B A |
| 9058268 | XXXXX | $XXXXXX C A B |
| 9058270 | XXXXX | $XXXXXX C A |
| 9058358 | XXXXX | $XXXXXX D A |
| 9058432 | XXXXX | $XXXXXX C A |
| 9058440 | XXXXX | $XXXXXX C A |
| 9058276 | XXXXX | $XXXXXX D A B |
| 9058310 | XXXXX | $XXXXXX C A |
| 9058349 | XXXXX | $XXXXXX D A C |
| 9058346 | XXXXX | $XXXXXX C A |
| 9058347 | XXXXX | $XXXXXX C A B |
| 9058437 | XXXXX | $XXXXXX C A B |
| 9058334 | XXXXX | $XXXXXX A |
| 9058354 | XXXXX | $XXXXXX C A |
| 9058360 | XXXXX | $XXXXXX A C |
| 9058350 | XXXXX | $XXXXXX D A |
| 9058444 | XXXXX | $XXXXXX C A |
| 9058441 | XXXXX | $XXXXXX C A B |
| 9058364 | XXXXX | $XXXXXX C A |
| 9058375 | XXXXX | $XXXXXX D A B |
| 9058353 | XXXXX | $XXXXXX C A |
| 9058365 | XXXXX | $XXXXXX D A |
| 9058368 | XXXXX | $XXXXXX D A |
| 9058420 | XXXXX | $XXXXXX C A B |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan Number** | **ALT ID 1** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **Agency ID** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Borrower 4 Original FICO Equifax** | **Borrower 4 Original FICO Experian** | **Borrower 4 Original FICO Transunion** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 30 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** |
| 9006603 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 24 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006641 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006600 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | FULL | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | FULL |  | No | No | 0 |  |  |  |  |  |  |  |  | 5 |  |  |  |  |  | 0 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Present | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006770 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 0.7665 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006793 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 0.6786 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006794 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 4.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 1.1121 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006795 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 0.9198 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006602 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 24 | Business | 100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Present | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006501 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 24 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006632 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | 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 |  |  | BANK STATEMENT |  | No | Yes | 24 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006796 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 0.7790 |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006713 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | FULL | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | 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 |  |  | FULL |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 1 | 0 | No | 2 | 1 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Present | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006797 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 0.8065 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006698 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 24 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006755 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 1.8546 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006565 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 24 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006756 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | 0.0000 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006561 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 24 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9007137 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 |  | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Lesser of Percentage or Dollar Amount | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006492 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006503 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 |  | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006747 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 1.8795 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006820 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 2.0794 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006798 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 1.3886 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006666 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 24 | Business | 90.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Present | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9007168 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006821 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | ASSET DEPLETION | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | ASSET DEPLETION |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  | XX/XX/XXXX | XXX | XXX |  | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006612 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | 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 |  |  | BANK STATEMENT |  | No | Yes | 24 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006800 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 0.5469 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006624 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 24 | Business | 100.00 |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 1.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006596 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 24 | Business | 82.98 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006801 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 | Business |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 0.8325 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006802 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | ASSET DEPLETION | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | ASSET DEPLETION |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006534 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 24 | Business&Personal | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 2 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 2 | 0 | 0 |  |  | XXX |
| 9006530 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | No | 0 |  | 0.00 |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006524 | XXXXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 24 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006547 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 24 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006823 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 1.1497 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006757 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 1.4732 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006824 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 0.7068 |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006803 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 0.8227 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006630 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006825 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 0.7206 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006528 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | FULL | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | FULL |  | No | No | 0 |  |  |  |  |  |  |  |  | 18 |  |  |  |  |  | 0 | 0 | No | 3 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Present | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006548 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006688 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 12 |  | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006690 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006849 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 0.9702 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006773 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 0.5593 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006774 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | 1.0035 |  | XXX |  |  |  |  | XXX |  |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006515 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9007188 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 0.8479 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006669 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 81.40 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006725 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 0.8166 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006640 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006517 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006508 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 24 | Business | 63.30 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006621 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  | XX/XX/XXXX | XXX | XXX |  | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006768 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 0.9965 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006616 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 12 | Personal | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006750 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | NIVA | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | NIVA |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006601 | XXXXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 12 | Personal | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006848 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 1.1583 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006645 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | 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 |  |  | BANK STATEMENT |  | No | Yes | 0 |  | 48.28 |  |  |  |  |  |  | 0 |  |  |  |  |  | 1 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006807 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 0.8605 |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006703 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Personal | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006781 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 0.8126 |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006706 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 24 | Personal | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006732 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | NIVA | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | NIVA |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006574 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006826 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 1.1086 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9007189 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | 1.0976 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9007143 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 12 |  | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006648 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006562 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No |  |  |  |  | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No |  | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9007510 | XXXXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 76.95 |  |  |  |  |  |  | 0 |  |  |  |  |  | 2 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006533 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 24 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9007095 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 24 |  | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006573 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 24 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006851 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 1.4804 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006540 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 21.93 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006758 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  | XXXXX | XXX | XXX |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 1.3146 |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006697 | XXXXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006571 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Personal | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 1 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 1 | 0 | 0 |  |  | XXX |
| 9006670 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9007128 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 0 |  | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006591 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006496 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006557 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 |  | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 |  | No |  | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006727 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No |  | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 1.8212 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006592 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | 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 |  |  | BANK STATEMENT |  | No | Yes | 24 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006593 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006737 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 1.2691 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006736 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 1.1020 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006544 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | 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 |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006748 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 0.6048 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006595 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006644 | XXXXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Personal | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006536 | XXXXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 24 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006680 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 24 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006829 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 0.6559 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006609 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006491 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 1 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 1 | 0 | 0 |  |  | XXX |
| 9006499 | XXXXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006569 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 24 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  | XX/XX/XXXX | XXX | XXX |  | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006672 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006776 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | 1.2121 |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006738 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 0.9505 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006724 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 2.5019 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006626 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | FULL | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | FULL |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 3 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Present | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006852 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  | XX/XX/XXXX | XXX | XXX |  | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 1.2426 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006704 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 24 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006685 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006545 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006782 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 0.9710 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006582 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9007116 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 0.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006733 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | 1.8944 |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9007060 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006787 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 1.6591 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006607 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 0 | Business | 65.09 |  |  |  |  |  |  | 0 |  |  |  |  |  | 2 | 0 | No | 0 | 1 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006532 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  | XX/XX/XXXX | XXX | XXX |  | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006741 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 1 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 1.3297 |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 |  |  | XXX |
| 9006637 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 |  |  | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9007182 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 1.0117 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006673 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 24 | Personal | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 1 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 1 | 0 | 0 |  |  | XXX |
| 9006509 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | 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 |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 50.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006831 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 0.7788 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006618 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Personal | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006682 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 99.56 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006619 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 24 |  | 84.79 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006613 | XXXXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 12 | Personal | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006812 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 0.6473 |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006627 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006589 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006567 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006754 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 1.1456 |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  |  |
| 9006752 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 1.3293 |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006763 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 0.6981 |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006753 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 1.2265 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006777 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 0.8890 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006665 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006658 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006512 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006833 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  | XX/XX/XXXX | XXX | XXX |  | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 1.3620 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006642 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006605 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006721 | XXXXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006854 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 1.1609 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006814 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 1.0903 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006711 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 |  | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006778 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 1.0434 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006504 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006834 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 1.1232 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006855 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 0.8482 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006611 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | 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 |  |  | BANK STATEMENT |  | No | Yes | 12 |  | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006859 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 0.9171 |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9007131 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006860 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 1.0469 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006663 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | 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 |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 63.95 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 2 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9007191 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 1.2921 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006541 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 24 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9007183 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 0.7800 |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006719 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9007192 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | FULL | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | FULL |  | No | No | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 1.1665 |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006836 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 1.0198 |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006837 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | 0.8705 |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006838 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 0.8771 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9007138 | XXXXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 24 | Business | 76.53 |  |  |  |  |  |  | 0 |  |  |  |  |  | 2 |  | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006675 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006539 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006790 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 0.5305 |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006856 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 1.2930 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006552 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006558 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006729 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 2.2660 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006730 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | FULL | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | FULL |  | No | No | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 1.5030 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006723 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | 1.6904 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006857 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 0.9752 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006816 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 0.8200 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006760 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 0.9879 |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006687 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006749 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 1.2793 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006543 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 1 | 1 | 4 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 1 | 1 | 4 |  |  | XXX |
| 9006634 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 0 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006785 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX |  | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  | 1.2931 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006679 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006677 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006702 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX |  | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006490 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006739 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 1.3661 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006489 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006769 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 0.8207 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006511 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No |  | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006493 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006689 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006638 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006610 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006551 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006606 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  | XX/XX/XXXX | XXX | XXX |  | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 1 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 1 | 0 | 0 |  |  | XXX |
| 9007184 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 1.0892 |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006623 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006598 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 76.47 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006840 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 1.0781 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006590 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 24 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006744 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 0.7129 |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006656 | XXXXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006527 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business&Personal | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006538 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006635 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006841 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 0.9932 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006726 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 1.4441 |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006671 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | No | 0 | Business | 0.00 |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006817 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Not Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  | 1.0054 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006521 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006844 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 0.9809 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006646 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 |  | 100.00 |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006556 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Personal | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006559 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 24 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006566 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Personal | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006700 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Personal | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006579 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006555 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006691 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 0 |  | 62.04 |  |  |  |  |  |  | 0 |  |  |  |  |  | 2 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006845 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 1.0888 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006846 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 1.0390 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006563 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006506 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 42.32 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006597 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006564 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006847 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  | 1.3818 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006818 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX |  |  | DSCR | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 40 Year Fixed IO |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR |  | No | No | 0 |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 |  | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | 0.8586 |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006525 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006709 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 12 | Personal | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006554 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 24 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006654 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | FULL | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | 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 |  |  | FULL |  | No | No | 0 |  |  |  |  |  |  |  |  | 12 |  |  |  |  |  | 1 | 1 | No | 1 | 1 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 10 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Present | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 10 | 0 | 0 |  |  | XXX |
| 9006495 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 24 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006631 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 24 | Personal | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006513 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006699 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006712 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 24 | Personal | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006577 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 12 | Personal | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 1 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 |  |  | XXX |
| 9007102 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006546 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | 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 |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006692 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 24 | Personal | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9006560 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | BANK STATEMENT |  | No | Yes | 24 | Personal | 100.00 |  |  |  |  |  |  | 0 |  |  |  |  |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058251 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  | 0 | Yes | Yes | 108 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058247 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  |  |  | XXX |  |  | 0 | Yes | Yes | 72 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058244 | XXXXX | 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 |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  |  |  |  |  |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | 2000.00 | 0.00 | 1.1300 |  | XXX |  | No | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058387 | XXXXX | 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 | Personal | 100.00 |  |  |  | XXX |  |  | 0 | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 9058248 | XXXXX | 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 |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 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 | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | 3800.00 | 0.00 | 0.9900 |  | XXX | XXX | No | XXX | XXX XXXXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX |  | XXX |
| 9058242 | XXXXX | 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 |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | Yes | 25 | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058249 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 16 | Personal | 100.00 | 16 |  |  | XXX |  |  | 0 | Yes | No | 120 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058245 | XXXXX | 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 |  |  | 12 Month Bank Statement | No | No | Yes | 13 | Personal | 100.00 | 13 |  |  |  |  |  | 0 | No | Yes | 0 | Yes | 71 | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058243 | XXXXX | 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 |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | Yes | 1900.00 | 1900.00 | 1.1000 |  | XXX | XXX | No | XXX | XXX XXXXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX |  | XXX |
| 9058287 | XXXXX | 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 |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | 6000.00 | 5600.00 | 0.8900 |  | XXX |  | No | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058289 | XXXXX | 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 |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | 5200.00 | 0.00 | 1.0200 |  | XXX |  | No | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058250 | XXXXX | 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 |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | 1200.00 | 1500.00 | 1.1800 |  | XXX | XXX | No | XXX | XXX XXXXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058274 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | 2400.00 | 2400.00 | 0.9000 |  | XXX |  | No | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058318 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | 1300.00 | 0.00 | 1.0400 |  | XXX |  | No | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058339 | XXXXX | 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 |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | 3500.00 | 0.00 | 1.0700 |  | XXX | XXX | No | XXX | XXX XXXXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058413 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX |  |  | 0 | Yes | Yes | 97 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 00 | 0 | 0 | XXX |  | XXX |
| 9058410 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058409 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  | 0 | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX |
| 9058335 | XXXXX | 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 |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | 0.00 | 0.00 | 0.0000 |  | XXX |  | No | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058329 | XXXXX | 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 |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | 5550.00 | 0.00 | 0.8500 |  | XXX | XXX | No | XXX | XXX XXXXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058304 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX |  |  | 0 | Yes | No | 132 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058266 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 40 Year Fixed IO |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 1 - Not Stated, Not Verified | XXX | 1 - Not Stated, Not Verified | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | 12340.00 | 14290.00 | 1.1300 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058268 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | 3200.00 | 1640.00 | 1.4900 |  | XXX |  | No | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058270 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | 0.00 | 0.00 | 1.2700 |  | XXX |  | Yes | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058358 | XXXXX | 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 |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | 2048.00 | 2061.00 | 1.2800 |  | XXX | XXX | No | XXX | XXX XXXXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058432 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | 14 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX |  | XXX |
| 9058440 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  | 0 | Yes | No | 240 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX |
| 9058276 | XXXXX | 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 | 5/1 or 5/6 Mos ARM |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | 1750.00 | 0.00 | 0.8300 |  | XXX |  | No | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 9058310 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | 2700.00 | 0.00 | 0.9400 |  | XXX | XXX | No | XXX | XXX XXXXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  |  |
| 9058349 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  | 0 | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058346 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | 5900.00 | 0.00 | 1.0100 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058347 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 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 | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | 4500.00 | 0.00 | 0.5400 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | XXX |  | XXX |
| 9058437 | XXXXX | 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 |  |  |  | 1YR Full Doc | No | No | Yes | 2 | Personal | 100.00 |  |  |  |  |  |  | 0 | No | No | 0 | Yes | 36 | 1 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 |  |  |  | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |
| 9058334 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | 1650.00 | 0.00 | 1.0300 |  | XXX |  | No | XXX |  | XXX | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX |
| 9058354 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | 1300.00 | 1300.00 | 1.0200 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058360 | XXXXX | 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 |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | 3100.00 | 0.00 | 1.0500 |  | XXX |  | No | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058350 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 40 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | 19823.00 | 0.00 | 1.1600 |  | XXX |  | Yes | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX |  | XXX |
| 9058444 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | 24 | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX |  | XXX |
| 9058441 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  | 0 | Yes | Yes | 180 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058364 | XXXXX | 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 |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | 2000.00 | 0.00 | 0.9700 |  | XXX |  | No | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058375 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 1 | 1 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | 2550.00 | 0.00 | 0.7900 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058353 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | Yes | 2050.00 | 2000.00 | 1.0900 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 |  |  | XXX |
| 9058365 | XXXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | 3600.00 | 3500.00 | 1.3000 |  | XXX |  | No | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058368 | XXXXX | 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 |  |  |  |  |  |  |  |  |  | 0 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 |  | No | Not Applicable | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | 5300.00 | 0.00 | 1.1000 |  | XXX |  | No | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  |  | XXX |
| 9058420 | XXXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  |  |  | XXX |  | XXX | 7 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX |  | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | . | XXX |

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|  |  |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** | **AUS Information** |
| **Loan Number** | **ALT ID 1** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV** | **Appraised Date** | **Appraised Value** | **Review Type** | **Secondary Appraised Date** | **Secondary Appraised Value** | **Secondary Review Type** | **AVM Provider** | **Report Date** | **Value** | **Variance Amount** | **Confidence Score** | **FSD Score** | **Variance %** | **Desk ReviewReport Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **CU Score** | **R&W Eligible** |
| 9006528 | XXXXX | $XXXXXX | $XXX | $XXX | 65.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |
| 9006548 | XXXXX | $XXXXXX | $XXX | $XXX | 48.18% | XX/XX/XXXX | $XXX | Desk Review | XX/XX/XXXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | Not Eligible |
| 9006688 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| 9006690 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 9006849 | XXXXX | $XXXXXX | $XXX | $XXX | 77.45% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006773 | XXXXX | $XXXXXX | $XXX | $XXX | 70.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 92 |  | 1.44% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 9006774 | XXXXX | $XXXXXX | $XXX | $XXX | 70.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 9006515 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | Not Eligible |
| 9007188 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006669 | XXXXX | $XXXXXX | $XXX | $XXX | 85.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Eligible |
| 9006725 | XXXXX | $XXXXXX | $XXX | $XXX | 29.85% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.29% |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |
| 9006640 | XXXXX | $XXXXXX | $XXX | $XXX | 70.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006517 | XXXXX | $XXXXXX | $XXX | $XXX | 90.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 9006508 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 9006621 | XXXXX | $XXXXXX | $XXX | $XXX | 85.00% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | Eligible |
| 9006768 | XXXXX | $XXXXXX | $XXX | $XXX | 67.18% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  | XX/XX/XXXX | $XXX | $XXX |  |  | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | Not Eligible |
| 9006616 | XXXXX | $XXXXXX | $XXX | $XXX | 34.14% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  | XX/XX/XXXX | $XXX | $XXX | 72 |  | -23.88% | XX/XX/XXXX | $XXX | $XXX | -4.42% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | Not Eligible |
| 9006750 | XXXXX | $XXXXXX | $XXX | $XXX | 62.50% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006601 | XXXXX | $XXXXXX | $XXX | $XXX | 47.12% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Not Eligible |
| 9006848 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  | XX/XX/XXXX | $XXX | $XXX | 91.8 |  | 8.50% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Not Eligible |
| 9006645 | XXXXX | $XXXXXX | $XXX | $XXX | 54.64% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9006807 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Eligible |
| 9006703 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 9006781 | XXXXX | $XXXXXX | $XXX | $XXX | 70.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006706 | XXXXX | $XXXXXX | $XXX | $XXX | 65.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  | XX/XX/XXXX | $XXX | $XXX | 79 |  | -17.00% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | Not Eligible |
| 9006732 | XXXXX | $XXXXXX | $XXX | $XXX | 48.28% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |
| 9006574 | XXXXX | $XXXXXX | $XXX | $XXX | 85.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006826 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9007189 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9007143 | XXXXX | $XXXXXX | $XXX | $XXX | 60.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006648 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006562 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9007510 | XXXXX | $XXXXXX | $XXX | $XXX | 90.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 9006533 | XXXXX | $XXXXXX | $XXX | $XXX | 51.14% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 9007095 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006573 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006851 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9006540 | XXXXX | $XXXXXX | $XXX | $XXX | 90.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006758 | XXXXX | $XXXXXX | $XXX | $XXX | 65.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006697 | XXXXX | $XXXXXX | $XXX | $XXX | 69.55% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |  |
| 9006571 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Eligible |
| 9006670 | XXXXX | $XXXXXX | $XXX | $XXX | 63.38% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 9007128 | XXXXX | $XXXXXX | $XXX | $XXX | 85.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9006591 | XXXXX | $XXXXXX | $XXX | $XXX | 85.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006496 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 9006557 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  | XX/XX/XXXX | $XXX | $XXX | 95 |  | 6.51% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006727 | XXXXX | $XXXXXX | $XXX | $XXX | 34.58% | XX/XX/XXXX | $XXX | Form 1025 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 9006592 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |
| 9006593 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 9006737 | XXXXX | $XXXXXX | $XXX | $XXX | 50.53% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006736 | XXXXX | $XXXXXX | $XXX | $XXX | 50.00% | XX/XX/XXXX | $XXX | Form 1025 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |
| 9006544 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | Not Eligible |
| 9006748 | XXXXX | $XXXXXX | $XXX | $XXX | 60.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Not Eligible |
| 9006595 | XXXXX | $XXXXXX | $XXX | $XXX | 85.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 9006644 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006536 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | Eligible |
| 9006680 | XXXXX | $XXXXXX | $XXX | $XXX | 57.39% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006829 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006609 | XXXXX | $XXXXXX | $XXX | $XXX | 90.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 9006491 | XXXXX | $XXXXXX | $XXX | $XXX | 70.53% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | Eligible |
| 9006499 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |  |
| 9006569 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006672 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9006776 | XXXXX | $XXXXXX | $XXX | $XXX | 70.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| 9006738 | XXXXX | $XXXXXX | $XXX | $XXX | 51.15% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 9006724 | XXXXX | $XXXXXX | $XXX | $XXX | 22.64% | XX/XX/XXXX | $XXX | Form 1025 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 9006626 | XXXXX | $XXXXXX | $XXX | $XXX | 85.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| 9006852 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 9006704 | XXXXX | $XXXXXX | $XXX | $XXX | 70.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Not Eligible |
| 9006685 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006545 | XXXXX | $XXXXXX | $XXX | $XXX | 70.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9006782 | XXXXX | $XXXXXX | $XXX | $XXX | 70.00% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9006582 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 11.81% |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9007116 | XXXXX | $XXXXXX | $XXX | $XXX | 90.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006733 | XXXXX | $XXXXXX | $XXX | $XXX | 50.00% | XX/XX/XXXX | $XXX | Form 1025 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 9007060 | XXXXX | $XXXXXX | $XXX | $XXX | 85.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |
| 9006787 | XXXXX | $XXXXXX | $XXX | $XXX | 71.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | Eligible |
| 9006607 | XXXXX | $XXXXXX | $XXX | $XXX | 52.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006532 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 9006741 | XXXXX | $XXXXXX | $XXX | $XXX | 55.98% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Not Eligible |
| 9006637 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9007182 | XXXXX | $XXXXXX | $XXX | $XXX | 70.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 9006673 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | Not Eligible |
| 9006509 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9006831 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006618 | XXXXX | $XXXXXX | $XXX | $XXX | 47.37% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Eligible |
| 9006682 | XXXXX | $XXXXXX | $XXX | $XXX | 85.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Eligible |
| 9006619 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9006613 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | Not Eligible |
| 9006812 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | Form 1025 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9006627 | XXXXX | $XXXXXX | $XXX | $XXX | 20.83% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006589 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Not Eligible |
| 9006567 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 9006754 | XXXXX | $XXXXXX | $XXX | $XXX | 64.84% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9006752 | XXXXX | $XXXXXX | $XXX | $XXX | 64.00% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006763 | XXXXX | $XXXXXX | $XXX | $XXX | 65.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | Not Eligible |
| 9006753 | XXXXX | $XXXXXX | $XXX | $XXX | 64.46% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Not Eligible |
| 9006777 | XXXXX | $XXXXXX | $XXX | $XXX | 70.00% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9006665 | XXXXX | $XXXXXX | $XXX | $XXX | 85.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9006658 | XXXXX | $XXXXXX | $XXX | $XXX | 90.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006512 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Not Eligible |
| 9006833 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006642 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006605 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 9006721 | XXXXX | $XXXXXX | $XXX | $XXX | 38.33% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | Not Eligible |
| 9006854 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006814 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | Not Eligible |
| 9006711 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006778 | XXXXX | $XXXXXX | $XXX | $XXX | 70.00% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | Eligible |
| 9006504 | XXXXX | $XXXXXX | $XXX | $XXX | 57.25% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006834 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006855 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 |  |
| 9006611 | XXXXX | $XXXXXX | $XXX | $XXX | 74.46% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006859 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 9007131 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |
| 9006860 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006663 | XXXXX | $XXXXXX | $XXX | $XXX | 69.99% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |
| 9007191 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006541 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | Form 1004C |  | XX/XX/XXXX | $XXX | $XXX | 92 |  | 3.05% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 9007183 | XXXXX | $XXXXXX | $XXX | $XXX | 70.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006719 | XXXXX | $XXXXXX | $XXX | $XXX | 79.50% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  | XX/XX/XXXX | $XXX | $XXX | 95 |  | -0.83% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Not Eligible |
| 9007192 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | Form 1025 |  | $XXX |  |  | XX/XX/XXXX | $XXX | $XXX | 86.1 |  | -24.29% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9006836 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | Form 1025 |  | $XXX |  |  | XX/XX/XXXX | $XXX | $XXX | 96 |  | -24.36% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 9006837 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |
| 9006838 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| 9007138 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 9006675 | XXXXX | $XXXXXX | $XXX | $XXX | 90.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006539 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |
| 9006790 | XXXXX | $XXXXXX | $XXX | $XXX | 74.19% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 9006856 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 9006552 | XXXXX | $XXXXXX | $XXX | $XXX | 79.99% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 9006558 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | -8.82% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 9006729 | XXXXX | $XXXXXX | $XXX | $XXX | 37.84% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006730 | XXXXX | $XXXXXX | $XXX | $XXX | 41.54% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006723 | XXXXX | $XXXXXX | $XXX | $XXX | 20.90% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006857 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Eligible |
| 9006816 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006760 | XXXXX | $XXXXXX | $XXX | $XXX | 65.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 9006687 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  | XX/XX/XXXX | $XXX | $XXX | 92 |  | 1.80% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006749 | XXXXX | $XXXXXX | $XXX | $XXX | 60.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| 9006543 | XXXXX | $XXXXXX | $XXX | $XXX | 35.57% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | -5.14% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |  |
| 9006634 | XXXXX | $XXXXXX | $XXX | $XXX | 60.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9006785 | XXXXX | $XXXXXX | $XXX | $XXX | 70.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  | XX/XX/XXXX | $XXX | $XXX | 80 |  | 1.80% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9006679 | XXXXX | $XXXXXX | $XXX | $XXX | 51.14% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | Eligible |
| 9006677 | XXXXX | $XXXXXX | $XXX | $XXX | 70.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |
| 9006702 | XXXXX | $XXXXXX | $XXX | $XXX | 85.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | XX/XX/XXXX | $XXX | $XXX | 92 |  | -2.25% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |  |
| 9006490 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Eligible |
| 9006739 | XXXXX | $XXXXXX | $XXX | $XXX | 53.74% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 9006489 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 9006769 | XXXXX | $XXXXXX | $XXX | $XXX | 68.12% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 9006511 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006493 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006689 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  | XX/XX/XXXX | $XXX | $XXX | 91.3 |  | 5.99% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | Eligible |
| 9006638 | XXXXX | $XXXXXX | $XXX | $XXX | 65.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9006610 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006551 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006606 | XXXXX | $XXXXXX | $XXX | $XXX | 77.45% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| 9007184 | XXXXX | $XXXXXX | $XXX | $XXX | 70.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006623 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006598 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 9006840 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006590 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 9006744 | XXXXX | $XXXXXX | $XXX | $XXX | 59.76% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| 9006656 | XXXXX | $XXXXXX | $XXX | $XXX | 70.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 9006527 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006538 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006635 | XXXXX | $XXXXXX | $XXX | $XXX | 80.04% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006841 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 9006726 | XXXXX | $XXXXXX | $XXX | $XXX | 33.82% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006671 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 9006817 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | Eligible |
| 9006521 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9006844 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | Form 1025 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9006646 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006556 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 9006559 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |
| 9006566 | XXXXX | $XXXXXX | $XXX | $XXX | 62.96% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |
| 9006700 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006579 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  | XX/XX/XXXX | $XXX | $XXX | 92 |  | 5.23% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | Eligible |
| 9006555 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Not Eligible |
| 9006691 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | Eligible |
| 9006845 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006846 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006563 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  | XX/XX/XXXX | $XXX | $XXX | 92 |  | -18.61% | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | Not Eligible |
| 9006506 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | Eligible |
| 9006597 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Eligible |
| 9006564 | XXXXX | $XXXXXX | $XXX | $XXX | 67.73% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006847 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |
| 9006818 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  | XX/XX/XXXX | $XXX | $XXX | 91.5 |  | -7.66% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 9006525 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Not Eligible |
| 9006603 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |
| 9006641 | XXXXX | $XXXXXX | $XXX | $XXX | 36.04% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006600 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 2.60% |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Not Eligible |
| 9006770 | XXXXX | $XXXXXX | $XXX | $XXX | 69.39% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006793 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006794 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | Form 1025 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 9006795 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | Form 1025 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9006602 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006501 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Not Eligible |
| 9006632 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006796 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006713 | XXXXX | $XXXXXX | $XXX | $XXX | 59.25% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 9006797 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | Not Eligible |
| 9006698 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006755 | XXXXX | $XXXXXX | $XXX | $XXX | 65.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 9006565 | XXXXX | $XXXXXX | $XXX | $XXX | 85.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006756 | XXXXX | $XXXXXX | $XXX | $XXX | 65.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006561 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | Eligible |
| 9007137 | XXXXX | $XXXXXX | $XXX | $XXX | 85.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 9006492 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006503 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006747 | XXXXX | $XXXXXX | $XXX | $XXX | 60.00% | XX/XX/XXXX | $XXX | Form 1025 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9006820 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | Form 1025 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |
| 9006798 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006666 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | Form 1025 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9007168 | XXXXX | $XXXXXX | $XXX | $XXX | 60.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 1.82% |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 9006821 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Not Eligible |
| 9006612 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Not Eligible |
| 9006800 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | Eligible |
| 9006624 | XXXXX | $XXXXXX | $XXX | $XXX | 46.58% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| 9006596 | XXXXX | $XXXXXX | $XXX | $XXX | 73.17% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | Eligible |
| 9006801 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9006802 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 9006534 | XXXXX | $XXXXXX | $XXX | $XXX | 85.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Eligible |
| 9006530 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 9006524 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006547 | XXXXX | $XXXXXX | $XXX | $XXX | 70.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | Not Eligible |
| 9006823 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | -5.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |
| 9006757 | XXXXX | $XXXXXX | $XXX | $XXX | 65.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | Not Eligible |
| 9006824 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | Form 1025 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 9006803 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | Form 1073 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006630 | XXXXX | $XXXXXX | $XXX | $XXX | 72.64% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |
| 9006825 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| 9006709 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | Not Eligible |
| 9006554 | XXXXX | $XXXXXX | $XXX | $XXX | 85.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  | XX/XX/XXXX | $XXX | $XXX | 91.1 |  | 3.50% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | Eligible |
| 9006513 | XXXXX | $XXXXXX | $XXX | $XXX | 79.76% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 9006495 | XXXXX | $XXXXXX | $XXX | $XXX | 65.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| 9006577 | XXXXX | $XXXXXX | $XXX | $XXX | 85.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | Eligible |
| 9006712 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | Not Eligible |
| 9006631 | XXXXX | $XXXXXX | $XXX | $XXX | 90.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006654 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |
| 9006699 | XXXXX | $XXXXXX | $XXX | $XXX | 75.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| 9007102 | XXXXX | $XXXXXX | $XXX | $XXX | 85.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006546 | XXXXX | $XXXXXX | $XXX | $XXX | 53.40% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006692 | XXXXX | $XXXXXX | $XXX | $XXX | 59.86% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 9006560 | XXXXX | $XXXXXX | $XXX | $XXX | 80.00% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| #N/A | XXXXX | $XXXXXX | $XXX | $XXX | ####### | XX/XX/XXXX | $XXX | 1004C Manufactured Home |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |
| #N/A | XXXXX | $XXXXXX | $XXX | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |
| #N/A | XXXXX | $XXXXXX | $XXX | $XXX | ####### | XX/XX/XXXX | $XXX | 1004C Manufactured Home |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |
| #N/A | XXXXX | $XXXXXX |  | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| #N/A | XXXXX | $XXXXXX | $XXX | $XXX | ####### | XX/XX/XXXX | $XXX | 1073 Individual Condo Report |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |
| #N/A | XXXXX | $XXXXXX | $XXX | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |
| #N/A | XXXXX | $XXXXXX |  | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |
| #N/A | XXXXX | $XXXXXX |  | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| #N/A | XXXXX | $XXXXXX |  | $XXX | ####### | XX/XX/XXXX | $XXX | 1073 Individual Condo Report |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |
| #N/A | XXXXX | $XXXXXX |  | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| #N/A | XXXXX | $XXXXXX | $XXX | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| #N/A | XXXXX | $XXXXXX |  | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | -.0690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |
| #N/A | XXXXX | $XXXXXX |  | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| #N/A | XXXXX | $XXXXXX | $XXX | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| #N/A | XXXXX | $XXXXXX | $XXX | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | -.0017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| #N/A | XXXXX | $XXXXXX | $XXX | $XXX | ####### | XX/XX/XXXX | $XXX | 1073 Individual Condo Report |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| #N/A | XXXXX | $XXXXXX | $XXX | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | -.009 |  |  |  |  |  |  |  |  |  |  | 2 |
| #N/A | XXXXX | $XXXXXX |  | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| #N/A | XXXXX | $XXXXXX | $XXX | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| #N/A | XXXXX | $XXXXXX | $XXX | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| #N/A | XXXXX | $XXXXXX | $XXX | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| #N/A | XXXXX | $XXXXXX |  | $XXX | ####### | XX/XX/XXXX | $XXX | 1025 Small Residential Income Report |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| #N/A | XXXXX | $XXXXXX |  | $XXX | ####### | XX/XX/XXXX | $XXX | 1025 Small Residential Income Report |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| #N/A | XXXXX | $XXXXXX |  | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| #N/A | XXXXX | $XXXXXX |  | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |
| #N/A | XXXXX | $XXXXXX | $XXX | $XXX | ####### | XX/XX/XXXX | $XXX | 1073 Individual Condo Report |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |
| #N/A | XXXXX | $XXXXXX | $XXX | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| #N/A | XXXXX | $XXXXXX | $XXX | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| #N/A | XXXXX | $XXXXXX | $XXX | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| #N/A | XXXXX | $XXXXXX | $XXX | $XXX | ####### | XX/XX/XXXX | $XXX | 1025 Small Residential Income Report |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| #N/A | XXXXX | $XXXXXX | $XXX | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| #N/A | XXXXX | $XXXXXX | $XXX | $XXX | ####### | XX/XX/XXXX | $XXX | 1073 Individual Condo Report |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| #N/A | XXXXX | $XXXXXX | $XXX | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| #N/A | XXXXX | $XXXXXX | $XXX | $XXX | ####### | XX/XX/XXXX | $XXX | 1073 Individual Condo Report |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| #N/A | XXXXX | $XXXXXX |  | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| #N/A | XXXXX | $XXXXXX |  | $XXX | ####### | XX/XX/XXXX | $XXX | 1025 Small Residential Income Report |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| #N/A | XXXXX | $XXXXXX | $XXX | $XXX | ####### | XX/XX/XXXX | $XXX | 1073 Individual Condo Report | XX/XX/XXXX | $XXX | 1073 Individual Condo Report |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | .0068 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| #N/A | XXXXX | $XXXXXX | $XXX | $XXX | ####### | XX/XX/XXXX | $XXX | 1073 Individual Condo Report |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| #N/A | XXXXX | $XXXXXX | $XXX | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR | XX/XX/XXXX | $XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | -.0002 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| #N/A | XXXXX | $XXXXXX | $XXX | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | -.0174 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |
| #N/A | XXXXX | $XXXXXX | $XXX | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| #N/A | XXXXX | $XXXXXX |  | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| #N/A | XXXXX | $XXXXXX |  | $XXX | ####### | XX/XX/XXXX | $XXX | 1025 Small Residential Income Report |  | $XXX |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| #N/A | XXXXX | $XXXXXX |  | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| #N/A | XXXXX | $XXXXXX |  | $XXX | ####### | XX/XX/XXXX | $XXX | 1004 URAR | XX/XX/XXXX | $XXX | 1004 URAR | Other |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | .0432 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **ALT ID 1** | **Field ID** | **Original Field Value** | **Audit Value** | **Match** |
| 9006725 | XXXXX | Original_Collateral_Value | XXX | XXX | FALSE |
| 9007510 | XXXXX | Sales_Price | XXX | XXX | FALSE |
| 9006680 | XXXXX | Original_Collateral_Value | XXX | XXX | FALSE |
| 9006609 | XXXXX | Original_Collateral_Value | XXX | XXX | FALSE |
| 9006834 | XXXXX | Original_Collateral_Value | XXX | XXX | FALSE |
| 9007138 | XXXXX | Sales_Price | XXX | XXX | FALSE |
| 9006558 | XXXXX | Original_Collateral_Value | XXX | XXX | FALSE |
| 9006769 | XXXXX | Original_Collateral_Value | XXX | XXX | FALSE |
| 9006598 | XXXXX | Original_Collateral_Value | XXX | XXX | FALSE |
| 9058244 | XXXXX | Qualifying FICO | XXX | XXX | Taken from credit report average score |

---

## Exhibit 99.4

**Exhibit 99.4**

![](tm264825d35_ex99-4img001.jpg)

**EXECUTIVE SUMMARY** 

**SAN 2026-NQMS1** 

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

SAN 2026-NQMS1 Due Diligence Narrative Report – PagE \| 1

![](tm264825d35_ex99-4img001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 5 Loans (the "Loans") originated by a correspondent lender and acquired by Santander Bank N.A. (SBNA) (the "Client") for the SAN 2026-NQMS1 transaction. The Loans referenced in this narrative report were reviewed between 02/2025 to 07/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;1 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;$562500.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;1 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;$900000.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;3 | &nbsp;&nbsp;60.00% | &nbsp;&nbsp;$2033500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3496000.00** |

---

The Review consisted of a population of 5 Loans, with an aggregate principal balance of $3,496,000.00.

**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.

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 |

---

SAN 2026-NQMS1 Due Diligence Narrative Report – PagE \| 2

![](tm264825d35_ex99-4img001.jpg)

**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 Discrepancy Field** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Change Frequency |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 How was title held? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |

---

SAN 2026-NQMS1 Due Diligence Narrative Report – PagE \| 3

![](tm264825d35_ex99-4img001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Business Entity EIN |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |

---

SAN 2026-NQMS1 Due Diligence Narrative Report – PagE \| 4

![](tm264825d35_ex99-4img001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Verified Doc Type |
| &nbsp;&nbsp;Vested Business Entity Name |

---

**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

&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

SAN 2026-NQMS1 Due Diligence Narrative Report – PagE \| 5

![](tm264825d35_ex99-4img001.jpg)

&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

&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

SAN 2026-NQMS1 Due Diligence Narrative Report – PagE \| 6

![](tm264825d35_ex99-4img001.jpg)

&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** 

SAN 2026-NQMS1 Due Diligence Narrative Report – PagE \| 7

![](tm264825d35_ex99-4img001.jpg)

**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.

SAN 2026-NQMS1 Due Diligence Narrative Report – PagE \| 8

![](tm264825d35_ex99-4img001.jpg)

&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.

SAN 2026-NQMS1 Due Diligence Narrative Report – PagE \| 9

![](tm264825d35_ex99-4img001.jpg)

&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).

- 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.

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- 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.

- 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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&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.

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

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

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**ABILITY TO REPAY** **(ATR)**

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

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

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

Clarifii's review was based on information contained in the Loan file at the time it was provided for review.

**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;· **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.

&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.

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

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

**VALUATION RESULTS SUMMARY**

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

---

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

---

**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.

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**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

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**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| **Overall Review Results** | **Overall Review Results** | **Overall Review Results** |
| **Overall** | **Loan Count** | **% of Pool** |
| A | 2 | 40.00% |
| B | 3 | 60.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **5** | **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**

---

| | | |
|:---|:---|:---|
| **Credit Grade Summary** | **Credit Grade Summary** | **Credit Grade Summary** |
| **Credit** | **Loan Count** | **% of Pool** |
| A | 3 | 60.00% |
| B | 2 | 40.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **5** | **100.00%** |

---

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**Final Property Valuation Grade Results**

---

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

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| **Compliance Grade Summary** | **Compliance Grade Summary** | **Compliance Grade Summary** |
| **Compliance** | **Loan Count** | **% of Pool** |
| A | 4 | 80.00% |
| B | 1 | 20.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **5** | **100.00%** |

---

**ADDITIONAL LOAN** **SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;1 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;$562500.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;4 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;$2933500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3496000.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;1 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;$1147500.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;4 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;$2348500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3496000.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;3 | &nbsp;&nbsp;60.00% | &nbsp;&nbsp;$2418800.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;2 | &nbsp;&nbsp;40.00% | &nbsp;&nbsp;$1077200.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3496000.00** |

---

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**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$3496000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3496000.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$3496000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3496000.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Discrepancy Field** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

SAN 2026-NQMS1 Due Diligence Narrative Report – PagE \| 18

![](tm264825d35_ex99-4img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Entity EIN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |

---

SAN 2026-NQMS1 Due Diligence Narrative Report – PagE \| 19

![](tm264825d35_ex99-4img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

SAN 2026-NQMS1 Due Diligence Narrative Report – PagE \| 20

![](tm264825d35_ex99-4img001.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.

SAN 2026-NQMS1 Due Diligence Narrative Report – PagE \| 21

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redaction ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM 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?** |
| 519363 | XXXX | XXXX | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) |  |  |  | No |  | Yes | No | No | No | No | No | No | No | No | 28728.13 | 8.938 | Yes | Yes | N/A |  | Yes |  | N/A | Yes |  |  |  |  | Employed |  | No |  | No |  |
| 532484 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 210436.99 | Yes | Employed |  | No |  | Yes | Present |
| 538469 | XXXX | XXXX | XXXX | 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 |
| 665861 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 700407 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redaction ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** | **Primary Appraisal Occupancy** |
| 532484 | XXXX | XXXX | XXXX | XXXX | XXXX | 1YR Business P&L | Present | No | 0 | 3500 | Appraisal - 1007 |  | N/A |  |  | 3500 | Appraisal - 1007 | No | 225.36 |  | 0 | 7887.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3500 |  |  |  |  |  |  |  | No | 0 | 4 | 1 | N/A | 245 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 538469 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 6200 | Appraisal - 1007 |  | N/A |  |  | 6200 | Appraisal - 1007 | No | 85.57 | 1.23 | 1.169 | 5305.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 6200 |  |  |  |  |  |  |  | No | 2.2 | 1 | 1 | N/A | 27.68 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 665861 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2200 | Appraisal - 1007 | 2258 | Other | 1 |  | 2258 | Other | Yes | 97.15 |  | 1.029 | 2193.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2258 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 43.65 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Owner |
| 700407 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 9600 | 9600 | Appraisal - 1025 |  | N/A |  |  | 9600 | Appraisal - 1025 | No | 77.39 |  | 1.292 | 7429.76 | 4800 | 05-31-2026 | 12 | 4800 | 05-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 9600 |  |  |  |  |  |  |  | No | 2.2 | 1 | 1 | N/A | 57.96 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redaction ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 519363 | XXXX | XXXX | XXXX | CMC0001_1st Lien Post-Close | Note Date | notePage | XXXX | XXXX | Per Executed Note |
| 519363 | XXXX | XXXX | XXXX | CMC0001_1st Lien Post-Close | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 47.10 |  |
| 532484 | XXXX | XXXX | XXXX | FMH0002_Post-Close Flow | Number of Mortgaged Properties | creditLiabilitiesPage | 10 | 1 | Per Loan Application and Credit Report |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redaction ID** | **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** |
| 519363 | XXXX | XXXX | XXXX C B A | Closed | finding-3634 | 2025-02-11 11:08 | 2025-02-24 13:55 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Received PCCD XXXX, LOE to borrower, refund check for $55.00 and proof of delivery. - Due Diligence Vendor-02/24/2025 <br> Ready for Review-Document Uploaded. - Seller-02/22/2025 <br> Counter-Received LE XXXX which is in file. The Appraisal Desk Review is not the same as a Disaster Inspection Report. A COC would be needed to add additional fees. Provide refund to borrower or principal reduction in the amount of $55, post-close CD, LOE and evidence of delivery to borrower. - Due Diligence Vendor-02/14/2025 <br> Ready for Review-Document Uploaded. We note that a cure for $55 was not required as there was an additional $130 Appraisal Desk Review Fee disclosed on the initial LE. Please note that XXXX is our Vendor for Desk Reviews and Property Inspection Report; therefore, the fee initially disclosed was just updated from Desk Review to Disaster Inspection Fee and the fee decreased from $130 to $55. A copy of the initial LE showing the $130 fee is attached for review. - Seller-02/14/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $440.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\* Zero (0%) tolerance fees increased by $440.00 (Appraisal Fee [$385], Disaster Inspection Fee [$55]) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $55, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX. [Appraisal Fee increase of $385 resolved by lender credit for increase in closing costs above legal limit.]<br> - Due Diligence Vendor-02/11/2025 | Ready for Review-Document Uploaded. - Seller-02/22/2025 <br> Ready for Review-Document Uploaded. We note that a cure for $55 was not required as there was an additional $130 Appraisal Desk Review Fee disclosed on the initial LE. Please note that XXXX is our Vendor for Desk Reviews and Property Inspection Report; therefore, the fee initially disclosed was just updated from Desk Review to Disaster Inspection Fee and the fee decreased from $130 to $55. A copy of the initial LE showing the $130 fee is attached for review. - Seller-02/14/2025 | Cured-Received PCCD XXXX, LOE to borrower, refund check for $55.00 and proof of delivery. - Due Diligence Vendor-02/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 691<br>Months Reserves exceed minimum required - Min reserve requirement is 9 months, borrower has 35.56 documented |  | XXXX | QM: Higher Priced APOR (APOR HP) |  | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3397077 |
| 519363 | XXXX | XXXX | XXXX C B A | Closed | FCRE1440 | 2025-02-13 11:11 | 2025-02-19 16:47 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received 12 month payment history. - Due Diligence Vendor-02/19/2025 <br> Ready for Review-Document Uploaded. We kindly disagree with this finding. Please note that the file contains a Transaction history and cancelled checks to support all payments on the loan from XXXX - XXXX. As for the Late charges in question, totaling $1,991.01 (3 Late Charges), we note that the Mortgage Statement, in file, shows that payments received after the 11th of the month will assess a $663.67 late charge; therefore, the late charges on the payoff are consistent and supported by the transaction history, which shows the borrower paid several months after the 11th, but prior to being 30 days late. We ask that this condition please be cleared based on the documentation provided. - Seller-02/15/2025 <br> Open-Housing History Does Not Meet Guideline Requirements VOM missing and required to validate housing lates, along with 12 monhts housing history. Payoff statement indicates numerous late fees and mortgage does not appear on credit report. - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. We kindly disagree with this finding. Please note that the file contains a Transaction history and cancelled checks to support all payments on the loan from XXXX - XXXX. As for the Late charges in question, totaling $1,991.01 (3 Late Charges), we note that the Mortgage Statement, in file, shows that payments received after the 11th of the month will assess a $663.67 late charge; therefore, the late charges on the payoff are consistent and supported by the transaction history, which shows the borrower paid several months after the 11th, but prior to being 30 days late. We ask that this condition please be cleared based on the documentation provided. - Seller-02/15/2025 | Resolved-Received 12 month payment history. - Due Diligence Vendor-02/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 691<br>Months Reserves exceed minimum required - Min reserve requirement is 9 months, borrower has 35.56 documented |  | XXXX | QM: Higher Priced APOR (APOR HP) |  | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3416442 |
| 532484 | XXXX | XXXX | XXXX C B A | Closed | FCRE3599 | 2025-02-28 13:24 | 2025-02-28 14:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors.<br> - Due Diligence Vendor-02/28/2025 <br> Open-Total lender exposure XXXX exceeds the $5M maximum. - Due Diligence Vendor-02/28/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors.<br> - Due Diligence Vendor-02/28/2025<br>| Qualifying DTI below maximum allowed - 28.13% < 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO score 766 is 20+ points above 660 minimum | - Fico 20+ points above<br> - total debt 10% or more under<br> - long term employment<br> - long term homeownership | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 3504133 |
| 538469 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 665861 | XXXX | XXXX | XXXX B A | Closed | FCRE1194 | 2025-07-07 13:14 | 2025-07-21 16:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator waiver applied to non-material finding with compensating factors - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. - Seller-07/17/2025 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 65% Audited LTV of 80% exceeds Guideline LTV of 65%; non-warrantable due to the investor concentration (122 units, 105 rented) at 86%. The investor concentration can go up to 90% with a max LTV of 65%. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025<br>| Waived-Originator waiver applied to non-material finding with compensating factors - Due Diligence Vendor-08/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 744<br>Months Reserves exceed minimum required - 43 mths reserves; 6 mths required. | Reserves required 6 months, borrower having more than 30 months<br> FICO score is 744, min score allowed is 700<br> Housing history is 0x30x46 months | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4691830 |
| 700407 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |

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| | | | | |
|:---|:---|:---|:---|:---|
| **Redaction ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 519363 | XXXX | XXXX | XXXX | XXXX C A B |
| 532484 | XXXX | XXXX | XXXX | XXXX C A B |
| 538469 | XXXX | XXXX | XXXX | XXXX A |
| 665861 | XXXX | XXXX | XXXX | XXXX B A |
| 700407 | XXXX | XXXX | XXXX | XXXX A |

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| **Redaction ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| 519363 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 06/24/2024 | 1 | XXXX |  | Yes | No | No | N/A | N/A | 28728.13 | 01/13/2025 | 6.980% | Manual Underwriting |  | No | 8.938% |  | 8.875% |  | XXXX | No | XXXX | XXXX | $1812.00 | $151.00 | $0.00 | $0.00 | $0.00 | $10356.39 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No |  |  |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 |  |  |  |  | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien |  |  |  |  |  | XXXX |  |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 35.6 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 532484 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.750% |  | XXXX | No | XXXX | XXXX | $312.96 | $26.08 | $1058.88 | $88.24 | $0.00 | $7887.59 | $210436.99 | Yes | XXXX | XX | $88.24 |  | Monthly | 0.00% | 28.13% | 28.13% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 45 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 766 |  |  |  |  |  |  |  |  | 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 | 245 | XXXX | 245 | No | 75 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 538469 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/01/2024 | FM_DSCR | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.750% |  | XXXX | No | XXXX | XXXX | $3328.68 | $277.39 | $0.00 | $0.00 | $0.00 | $5305.26 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.169 | 1.23 |  | Borrower - null 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 | XXXX | XXXX |  |  |  | 770 |  |  |  |  |  |  |  |  | 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 | Unknown | N/A | XXXX | 0 | XXXX | 27.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 665861 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/20/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 8.125% |  | XXXX | No | XXXX | XXXX | $2825.40 | $235.45 | $4800.00 | $400.00 | $0.00 | $2193.66 |  | Yes | XXXX | XX | $400.00 |  | 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 | 1.029 |  |  | Borrower - null 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 | XXXX | XXXX |  |  |  | 744 |  |  |  |  |  |  |  |  | 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 |  |  |  |  | XXXX |  |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 43.7 | XXXX | 43.7 | No | 80 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 700407 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/20/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.750% |  | XXXX | No | XXXX | XXXX | $8814.00 | $734.50 | $0.00 | $0.00 | $0.00 | $7429.76 |  | 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 | 1.292 |  |  | Borrower - null 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 | XXXX | XXXX |  |  |  | 790 |  |  |  |  |  |  |  |  | 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 | Unknown | N/A | XXXX | 57.4 | XXXX | 58 | No | 43.69 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redaction ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 519363 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR |  | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| 532484 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report |  | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| 538469 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report |  | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 665861 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report |  | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 700407 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report |  | XXXX | XXXX | XXXX | 43.69 | 43.69 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.5

**Exhibit 99.5**

![](tm264825d35_ex99-5img01.jpg)

![](tm264825d35_ex99-5img02.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Review scope | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;# of Files Reviewed | 3 |
| &nbsp;&nbsp;&nbsp;*Loan Grading* | 3 |
| &nbsp;&nbsp;&nbsp;*TPR Component Review Scope* | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;*Data Integrity* | 6 |
| &nbsp;&nbsp;&nbsp;*Data Capture* | 7 |
| **Data Compare Results** | **7** |
| **Clayton Due Diligence Results** | **8** |
| **Clayton Third Party Reports Delivered** | **9** |
| **Appendix A: Credit Review Scope** | **10** |
| **Appendix B: Origination Appraisal Assessment** | **12** |
| **Appendix C: Regulatory Compliance Review Scope** | **15** |

---

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SAN 2026-NQMS1 Due Diligence Narrative Report Page \| 1 June 11, 2026

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![](tm264825d35_ex99-5img02.jpg)

**Clayton Contact Information**

**Client Service Management:** 

---

| | | |
|:---|:---|:---|
| ![](tm264825d35_ex99-5img03.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![](tm264825d35_ex99-5img03.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

On behalf of Citadel Investment Group, Clayton conducted an independent third-party pre-securitization due diligence review of 122 residential loans.

On behalf of SG Capital Partners, Inc., Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 66 residential loans.

Santander Bank, N.A subsequently purchased these loans via reliance letter and selected these loans for the SAN 2026-NQMS1 transaction.

The loans referenced in this narrative report were reviewed on a flow loan basis from February 2025 to October 2025. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 141 | 75.00% |
| Retail | 47 | 25.00% |
| **Total** | **188** | **100.00%** |

---

SAN 2026-NQMS1 Due Diligence Narrative Report Page \| 2 June 11, 2026

 ****

![](tm264825d35_ex99-5img02.jpg)

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

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

---

| | |
|:---|:---|
| &nbsp;&nbsp; Review scope | &nbsp;&nbsp; # of Files Reviewed |
| &nbsp;&nbsp;Credit Review | &nbsp;&nbsp;188 |
| &nbsp;&nbsp;Property Valuation Review | &nbsp;&nbsp;188 |
| &nbsp;&nbsp;Regulatory Compliance Review | &nbsp;&nbsp;145 |
| &nbsp;&nbsp;Data Integrity Check | &nbsp;&nbsp;188 |

---

Loan Grading

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

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

![](tm264825d35_ex99-5img04.jpg)

SAN 2026-NQMS1 Due Diligence Narrative Report Page \| 3 June 11, 2026

 ****

 ****

TPR Component Review Scope

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

Credit Review

Clayton's Credit scope of review conducted on 188 loans on this transaction included the following elements (for more detail, please refer to <u>Appendix A</u>):

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

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

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

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

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

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

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

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

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

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original Appraisal Assessment (188 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value Supported Analysis (188 loans)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CU Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Desk Review

For further detail please refer to the SAN 2026-NQMS1 Valuations Summary Report

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Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on 145 loans on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix C</u>.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

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

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

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

- Prepayment Penalty restrictions; and

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

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

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

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

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

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

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

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

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

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

State and Federal High Cost and Higher-Priced:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Cook County High Cost Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Chicago High Cost Ordinance

Clayton currently tests the Chicago and Cook County ordinances due to vague language around loans for a business purpose not related to the property. While the state of Illinois has similar language, Clayton's audit law firm determined that only principal residences should be tested for IL high cost.

Anti-predatory lending laws

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

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

Prepayment Penalties and Late Charges in certain states

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sufficiency of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow of insurance payments

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 188 reviewed loans, by completing the following steps:

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Each discrepancy is reported in a Loan Level Tape Compare Upload.

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Data Capture

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

**data Compare Results**

Clayton provided Santander Bank, N.A, with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 188 loans reviewed.

---

| | | |
|:---|:---|:---|
| **Field Name** | **# of Loans** | **% Accuracy** |
| Appraised Value | 12 | 93.62% |
| Borrower DSCR Percent | 1 | 99.47% |
| Combined Loan to Value | 4 | 97.87% |
| DTI (Back) | 13 | 93.09% |
| Loan Purpose | 1 | 99.47% |
| Loan to Value | 2 | 98.94% |
| Months PITI Reserves | 59 | 68.62% |
| Note P&I | 1 | 99.47% |
| Original Principal Balance | 2 | 98.94% |
| Property City | 5 | 97.34% |
| Property Type | 14 | 92.55% |
| Property Zip | 2 | 98.94% |
| Representative Score | 6 | 96.81% |
| Sales Price | 2 | 98.94% |

---

SAN 2026-NQMS1 Due Diligence Narrative Report Page \| 7 June 11, 2026

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**Clayton Due Diligence Results**

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

**<u>Initial and Final Overall Loan Grade Results (Fitch)</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 99 | 4 | 15 | 21 | **139** |
| **Final** | **B** |  | 22 | 11 | 16 | **49** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **99** | **26** | **26** | **37** | **188** |

---

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

**<u>Initial and Final Credit Component Grade Results (Fitch)</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 113 | 4 | 13 | 16 | **146** |
| **Final** | **B** |  | 26 | 5 | 11 | **42** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **113** | **30** | **18** | **27** | **188** |

---

**<u>Initial and Final Property Valuation Grade Results (Fitch)</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 178 |  | 1 | 7 | **186** |
| **Final** | **B** |  | 1 |  | 1 | **2** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **178** | **1** | **1** | **8** | **188** |

---

SAN 2026-NQMS1 Due Diligence Narrative Report Page \| 8 June 11, 2026

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**<u>Initial and Final Regulatory Compliance Grade Results (Fitch)</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 121 |  | 11 | 6 | **138** |
| **Final** | **B** |  | 3 | 4 |  | **7** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **121** | **3** | **15** | **6** | **145** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (43 loans in pool)

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. ASF Upload Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Non ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Valuation Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Loan Level Tape Compare

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Waived Conditions Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. 15E Form

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**Appendix A: Credit Review Scope**

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

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

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

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

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

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

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

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

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

- Citizenship status <br> - Non- occupant co-borrower

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

---

| |
|:---|
| Maximum loan amount |
| Loan purpose |
| Occupancy |

---

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

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

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

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

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

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

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

- Income documentation

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

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

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

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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Paystubs

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

---

| |
|:---|
| Complete copy of report was in loan file |
| Report was dated within required timeframe |
| All borrowers were included in the report |
| Checked any fraud alerts against related loan file documentation |
| Verified all disclosed mortgage debt on credit report against the loan application (under the schedule of real estate owned) for accurate debt ratio calculation |
| Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation |
| Captured and utilized appropriate credit score for guideline review |

---

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

- Title interest – determined if

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

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

- Appropriate vestee(s) were listed on title policy

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

- Applicable title endorsements were present

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

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

- Captured monthly tax payments in debt ratio calculation

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

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

- Seller contributions did not exceed maximum allowed

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

- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

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

- Verified presence of required hazard insurance and flood insurance (if required) <br> - Confirmed that any required insurance was for the:

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

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

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

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

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

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

- Determined if mortgage insurance is required

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

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

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

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

- Social Security inconsistencies <br> - Borrower name variations

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

- Borrower address history <br> - Subject property ownership history

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

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

- Mortgage lender/originator <br> - Loan officer

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

**Appendix B: Origination Appraisal Assessment**

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

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

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

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

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

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

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

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

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

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

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

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

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

- All required attachments including:

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

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

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

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

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

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

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

- Appraisal date met supplied Sponsor Acquisition Criteria

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

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

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

- Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser's license included in the appraisal. <br> - Reviewed for the presence of any "red flags" related to the mortgaged property that may have posed a risk to the property or occupants

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

- Confirmed that the appraiser's certification is present and executed within the original appraisal.

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

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

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

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

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

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

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

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

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

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

- Property usage was reviewed for zoning compliance

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

- Neighborhood values were reviewed to determine if declining

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

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

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

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

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

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

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

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

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

- Locational and/or environmental concerns adequately addressed if present

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

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

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

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

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

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

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

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

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

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

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

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

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

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

F. Disclaimer

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

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

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

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

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

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**Appendix C: Regulatory Compliance Review Scope**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA Integrated Disclosures ("TRID")

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate ("LE") and Closing Disclosure
("CD")

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing Requirements:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee Tolerances:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment Schedule Accuracy:

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Accuracy of the Loan 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;· Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical 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;· Compliance with the TRID rounding rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with specified formatting 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;· Compliance with date entry requirements (such as when a field, if not applicable, must be present and left 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;· Alphabetization of 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;· Title fees preceded by "Title –."

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Once a fee is disclosed it must remain substantially the same name across 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;· Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with
a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

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

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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;· Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion of the LE and CD

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close CD'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;· Corrected CD's provided with a post-close refund.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provision and timing of Your Home Loan Toolkit (first lien, purchase-money 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;· Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

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

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

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

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

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

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

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

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

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

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

**A.** **Higher-Priced** 

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

---

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

---

**B.** **State/Local High Cost** 

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

---

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

---

**C.** **Anti-Predatory** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota (Mortgage Originator and Service Licensing Act)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Puerto Rico (Office Regulation 5722)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Texas (Texas Finance Code)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

**D.** **Borrower's Interest** 

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

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---

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

---

**E.** **Consumer Protection** 

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

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

---

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

**F.** **Texas Equity** 

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

SAN 2026-NQMS1 Due Diligence Narrative Report Page \| 19 June 11, 2026

 ****

![](tm264825d35_ex99-5img02.jpg)

**<u>GSE Testing</u>**

Clayton can review loans to determine whether they comply with Fannie Mae's and Freddie Mac's Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2026 Clayton Services LLC. All rights reserved.

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

SAN 2026-NQMS1 Due Diligence Narrative Report Page \| 20 June 11, 2026

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **SAN 2026-NQMS1** |
| **Start - End Dates:** | **7/2/2025 - 10/15/2025** |
| **Deal Loan Count:** | **188** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *188* |
| ***Loans with Conditions:*** | *91* |

---

---

| |
|:---|
| **0 - Total Active Conditions** |
| **127 - Total Satisfied Conditions** |
| 66 - Credit Review Scope |
| 2 - Category: Application |
| 2 - Category: Assets |
| 2 - Category: Credit/Mtg History |
| 3 - Category: DTI |
| 13 - Category: Income/Employment |
| 12 - Category: Insurance |
| 17 - Category: Legal Documents |
| 1 - Category: Re-Verifications |
| 14 - Category: Terms/Guidelines |
| 21 - Property Valuations Review Scope |
| 20 - Category: Appraisal |
| 1 - Category: Property |
| 40 - Compliance Review Scope |
| 2 - Category: Ability to Repay/Qualified Mortgage |
| 3 - Category: Compliance Manual |
| 3 - Category: Documentation |
| 4 - Category: Finance Charge Tolerance |
| 1 - Category: Section 32 |
| 27 - Category: TILA/RESPA Integrated Disclosure |
| **58 - Total Waived Conditions** |
| 52 - Credit Review Scope |
| 7 - Category: Assets |
| 13 - Category: Credit/Mtg History |
| 4 - Category: Income/Employment |
| 1 - Category: Insurance |
| 12 - Category: LTV/CLTV |
| 15 - Category: Terms/Guidelines |
| 2 - Property Valuations Review Scope |
| 1 - Category: Appraisal |
| 1 - Category: Property |
| 4 - Compliance Review Scope |
| 3 - Category: State Consumer Protection |
| 1 - Category: State Rate Spread |
| <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **SAN 2026-NQMS1** |
| **Start - End Dates:** | **7/2/2025 - 10/15/2025** |
| **Deal Loan Count:** | **188** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *188* |
| ***Loans with Conditions:*** | *91* |

---

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 9082715 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | The access letter to use the XXX business account #XXX (XXX, LLC) was not in the file. This account was needed for closing and reserves. The amended operating agreement dated in 2022 (original operating agreement 2021) shows borrower is only XXX% owner. The other owner is XXX. | (No Data) | LOE provided to cure. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.74% LTV is low.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has over 100 months of Reserves. |
| 9082715 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | The Certificate of Good Standing, operating agreement and tax id for XXX, LLC were not in the file as required since vested in an LLC. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.74% LTV is low.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has over 100 months of Reserves. |
| 9082715 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | An automated fraud and data tool check is missing from the loan file. | (No Data) | Fraud Document provided to cure. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.74% LTV is low.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has over 100 months of Reserves. |
| 9082715 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Waived C B | CRDTER4631 | Loan parameters do not meet guidelines | No | The prepayment addendum shows it is for 3 years with a tiered percentage of 3/2/1%; however, the Investor connect matrix indicates a 3 year PPP should be 5/4/3% tiered. | (No Data) | SG has elected to accept the PPP as is with comp factors. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.74% LTV is low.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has over 100 months of Reserves. |
| 9082696 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH122 | Foreclosure history does not meet guidelines | No | The Fraud report reflected a pre-foreclosure on the subject property on XXX. The lender required additional information that is not in the loan file. | (No Data) | LOE provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrowers Fico of 794 is 94 points greater than the minimum required Fico of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 100 months of reserves |
| 9082696 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Terms/Guidelines | Satisfied C B | CRDTER5785 | SG Capital Delivery Restrictions -1 | No | The closing disclosure shows the PPP is 1 year with a penalty as high as $XXX, which is 5% of the loan amount; however the PPP rider/addendum shows 6 months interest (audit estimated $XXX) on the amount prepaid that exceeds 20% of the original principal balance which appears would be less than the $XXX. | (No Data) | Revised PPP addendum provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrowers Fico of 794 is 94 points greater than the minimum required Fico of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 100 months of reserves |
| 9082728 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 740 score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 22.89 months reserves |
| 9075230 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing Initial CD | (No Data) | Lender provided 07/30/2025 Initial CD - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 qualifying score is 10+ points > 660 requirement.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers have low credit utilization of 6.73%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 153 months PITIA in file.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 24 years 3 months at current job. |
| 9075230 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD | (No Data) | Lender provided 07/30/2025 Initial CD - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 qualifying score is 10+ points > 660 requirement.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers have low credit utilization of 6.73%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 153 months PITIA in file.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 24 years 3 months at current job. |
| 9075230 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD | (No Data) | Lender provided 07/30/2025 Initial CD - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 qualifying score is 10+ points > 660 requirement.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers have low credit utilization of 6.73%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 153 months PITIA in file.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 24 years 3 months at current job. |
| 9075230 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | The Hazard Insurance for Investment Property XXX, or attestation that the property does not have insurance is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 qualifying score is 10+ points > 660 requirement.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers have low credit utilization of 6.73%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 153 months PITIA in file.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 24 years 3 months at current job. |
| 9075230 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | The Hazard Insurance for Investment Property XXX, or attestation that the property does not have insurance is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 qualifying score is 10+ points > 660 requirement.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers have low credit utilization of 6.73%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 153 months PITIA in file.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 24 years 3 months at current job. |
| 9075230 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | An exception approval was placed in the loan file to allow non-occupant co-borrower IRA distributions of $6,500/ month prior to COE. DTI would be 51.57%(IRA Income was not required to use, calculated DTI lower than 50%.)07/22/2025. Client Approved Exception. Copy in loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 qualifying score is 10+ points > 660 requirement.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers have low credit utilization of 6.73%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 153 months PITIA in file.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 24 years 3 months at current job. |
| 9075236 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Credit/Mtg History | Waived A B | CRDCRMH123 | No evidence of required debt payoff | No | An Exception Approval was placed in the loan file to allow delinquent taxes on co-borrower's primary residence and no housing history for borrower (living rent free with co-borrower).08/04/2025. Client Approved Exception. Copy in loan file. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 716 qualifying score is 10+ points > 700 requirement.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 7 years 7 months at current job. |
| 9075236 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2302 | Missing Required Income Documentation | No | The Income Documentation for the co-borrower is missing from the loan file, in order to calculate the DTI. | (No Data) | Received 12 months bank stmt supporting qualifying income 22736.06 | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 716 qualifying score is 10+ points > 700 requirement.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 7 years 7 months at current job. |
| 9075236 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Income/Employment | Waived A B | CRDINC150 | Income docs do not meet guidelines | No | An Exception Approval was placed in the loan file to allow the use of PTIN agent to establish existence of business and % of ownership.08/04/2025. Client Approved Exception. Copy in loan file. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 716 qualifying score is 10+ points > 700 requirement.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 7 years 7 months at current job. |
| 9075236 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | The lender bank statement income worksheet is missing from the loan file. | (No Data) | Bank statement worksheet provided to cure. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 716 qualifying score is 10+ points > 700 requirement.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 7 years 7 months at current job. |
| 9075236 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Terms/Guidelines | Waived A B | CRDTER3122 | Loan documents do not meet guideline requirements | No | An Exception Approval was placed in the loan file to allow non-arm's length transaction with gift of equity.08/04/2025. Client Approved Exception. Copy in loan file. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have good credit history.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 716 qualifying score is 10+ points > 700 requirement.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 7 years 7 months at current job. |
| 9075240 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 740 exceeds guidelines of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX exceed guideline of $10,796.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 43.54% is below guideline of 50%. |
| 9075243 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 19 months of verified reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrowers Fico of 727 is 47 points greater than the minimum required Fico of 680. |
| 9075248 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 802 FICO<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34.10%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 25.39 months of reserves |
| 9075250 | XXXXXX | WI | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | Appraisal | Satisfied A | PRVAAPPR173 | Comp Photos Unacceptable | No | Missing photo of Comp 3 at XXXI. The picture provided appears to be the same photo of the rental comp located at XXX. | (No Data) | Invalid: Fired in error. | (No Data) | (No Data) | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $XXX or 12.62 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 668 exceeds guideline of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history verifies 0x30x27 months. |
| 9075250 | XXXXXX | WI | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | Property | Waived B | PRVAPROP241 | Property Type unacceptable under guidelines | No | Property has more than one 1-4 unit dwelling (SFD and duplex) are not eligible. Exception approved by XXX at 70% LTV. | (No Data) | Waived - exception approved by XXX. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $XXX or 12.62 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 668 exceeds guideline of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history verifies 0x30x27 months. |
| 9075257 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10.7 years current job time<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 0.00% revolving credit utilization<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below max by 5%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0X30X24 housing history |
| 9075260 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER4643 | Borrower does not meet guideline requirements | No | Exception requested due to guidelines showing net assets for asset depletion to be 1.5 times loan balance or $XXX. and Borrower using asset depletion to support SSI income for qualifications and FTHB. | (No Data) | Exception for not having the minimum cash reserve requirement for Asset Depletion approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 812 credit score exceeds the minimum required per guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 83.56 verified cash reserves exceed minimum required per guidelines |
| 9075260 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Terms/Guidelines | Waived C B | CRDTER5785 | SG Capital Delivery Restrictions -1 | No | Per TLS guidelines the maximum DTI is 43% when borrowers are living rent free with no housing history. Current DTI is 46.37%. An exception for the guidelines deviation is missing from the loan file. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 812 credit score exceeds the minimum required per guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 83.56 verified cash reserves exceed minimum required per guidelines |
| 9075263 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 100.94 months in reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 717 score exceeds the minimum Fico score of 660 |
| 9075266 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Terms/Guidelines | Satisfied B A | CRDTER2850 | ARM terms do not meet guidelines | No | ARM terms do not meet guidelines | (No Data) | Fixed rate loan. Not valid. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has credit utilization of 3.53%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 817. |
| 9075267 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 8 years 11 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 785 is 125 points above the 660 FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 21.43 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 19.37% is 30.63% below the 50% allowed for the program. |
| 9075271 | XXXXXX | OH | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Waived B | CRDTER5785 | SG Capital Delivery Restrictions -1 | No | A 12 month housing history is required. Properties owned free and clear can satisfy housing history with proof property taxes are paid current; however, a $XXX tax lien is attached to borrower's primary residence. | (No Data) | Exception for tax lien on primary residence approved by XXX and in file. Tax lien was paid at close. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: No Delinquencies in Mortgage History detailed housing history e.i 0x30x24 |
| 9075273 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Satisfied B A | CRDTER2850 | ARM terms do not meet guidelines | No | ARM terms do not meet guidelines | (No Data) | Fired in error. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: No Delinquencies in Mortgage History detailed housing history e.i 0x30x24 |
| 9075276 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has low credit utilization of 0.24%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.64% LTV is low. |
| 9075282 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Section 32 | Satisfied C B | CMPS32371 | Section 32 Loan per Points and Fees Test | No | Per review, Max Allowable Charges are 5% or $15,976.88. Charges on this file are $16,294.50 or 5.099%, exceeding max by $317.62. | (No Data) | Mavent report provided which was analyzed and cleared exception. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 8.89% revolving credit utilization.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 10.26% DTI is below program max allowable of 45%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 20 years at current job. |
| 9075283 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.64% DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 7 months reserves |
| 9075285 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. | (No Data) | Initial CD provided to cure. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for the past 7 years and 11 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 708 credit score exceeds minimum required<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 26.86 in verified cash reserves exceed minimum required |
| 9075285 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | CD: Missing Initial CD | (No Data) | ICD provided to cure. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for the past 7 years and 11 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 708 credit score exceeds minimum required<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 26.86 in verified cash reserves exceed minimum required |
| 9075286 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | (No Data) | N/A. Data entry error. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrowers Fico of 747 is 47 points greater than the minimum required Fico of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.16% is 10.84% less than the maximum allowed DTI of 50%. |
| 9075286 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2906 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors | No | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors | (No Data) | N/A. Data entry error. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrowers Fico of 747 is 47 points greater than the minimum required Fico of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.16% is 10.84% less than the maximum allowed DTI of 50%. |
| 9075286 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | The loan file does not include a replacement cost worksheet for the insurance coverage. Provide evidence of sufficient coverage. | (No Data) | RCE letter provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrowers Fico of 747 is 47 points greater than the minimum required Fico of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.16% is 10.84% less than the maximum allowed DTI of 50%. |
| 9075286 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | Provide a final executed Closing Disclosure for the loan file. | (No Data) | Final CD provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrowers Fico of 747 is 47 points greater than the minimum required Fico of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.16% is 10.84% less than the maximum allowed DTI of 50%. |
| 9075286 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Credit | Terms/Guidelines | Waived A | CRDTER5785 | SG Capital Delivery Restrictions -1 | No | Borrower retaining their primary residence as an investment property with no prior investor experience requires pre-approval. | (No Data) | A pre-approval was provided by XXX. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrowers Fico of 747 is 47 points greater than the minimum required Fico of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.16% is 10.84% less than the maximum allowed DTI of 50%. |
| 9075287 | XXXXXX | NH | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 14.29% is 35.71% less than the maximum allowed DTI of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 54 months of verified reserves |
| 9075288 | XXXXXX | CA | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | An amortization schedule was not provided in the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 795 score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 19.23 months reserves |
| 9075290 | XXXXXX | NC | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | According to the guidelines for North Carolina properties, Prepayment penalty is 5% of the original principal balance. The Prepayment penalty in the loan file is 5% of the amount prepaid. | (No Data) | PPP 5% of the amount prepaid is allowed. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 40 months of verified reserves.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 33 years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 755 is 95 points above the 660 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 26.65% is 23.35% below the 50% allowed for the program. |
| 9075290 | XXXXXX | NC | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Waived C B | CRDTER4631 | Loan parameters do not meet guidelines | No | According to the guidelines, First Time Home Buyer is eligible on primary residences only. Loan file included an approved exception to allow the loan/purchase of the investment property with the FTHB. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 40 months of verified reserves.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 33 years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 755 is 95 points above the 660 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 26.65% is 23.35% below the 50% allowed for the program. |
| 9075292 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 qualifying score is 10+ points > 700 requirement.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has low credit utilization of 2.73%. |
| 9075293 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 796 score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65% LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 83.23 months reserves |
| 9075294 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | The Warranty/ Grant Deed is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 20.41% DTI<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has low credit utilization of 3.12%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV |
| 9075294 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | A Personal Guarantee signed by the borrower is missing from the loan file. | (No Data) | Guaranty provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 20.41% DTI<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has low credit utilization of 3.12%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV |
| 9075294 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Waived C B | CRDTER4643 | Borrower does not meet guideline requirements | No | According to the underwriting guidelines, First Time Homebuyers will reside in the security property as a principal residence. In this case, the borrower is a FTHB purchasing an investment property. An exception for the guideline deviation is missing from the loan file. | (No Data) | An exception was granted and approved. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 20.41% DTI<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has low credit utilization of 3.12%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV |
| 9075294 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Waived C B | CRDTER881 | Minimum square footage does not meet guidelines | No | According to the underwriting guidelines, the minimum square footage allowed for each unit it 500 square feet. In this case, Unit #1 and Unit #4 are both under 500 square feet, which does not meet the guidelines. An exception for the guideline deviation is missing from the loan file. | (No Data) | An exception was granted and approved. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 20.41% DTI<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has low credit utilization of 3.12%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV |
| 9075297 | XXXXXX | MO | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER5785 | SG Capital Delivery Restrictions -1 | No | The Occupancy Certification Disclosure is missing from the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 798.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 38.47%.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Coborrower is employed with additional income not used in qualifying. |
| 9075297 | XXXXXX | MO | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER5787 | SG Capital Delivery Restrictions -2 | No | The final Amortization Schedule is missing from the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 798.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 38.47%.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Coborrower is employed with additional income not used in qualifying. |
| 9075298 | XXXXXX | MO | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide documentation to verify the PITIA for the additional property located at XXX | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 80 months of verified reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 37.08% is 12.92% less than the maximum allowed DTI of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrowers Fico of 798 is 138 points greater than the minimum required Fico of 660. |
| 9075298 | XXXXXX | MO | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | The Warranty/ Grant Deed is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 80 months of verified reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 37.08% is 12.92% less than the maximum allowed DTI of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrowers Fico of 798 is 138 points greater than the minimum required Fico of 660. |
| 9075298 | XXXXXX | MO | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | The Final Amortization Schedule is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 80 months of verified reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 37.08% is 12.92% less than the maximum allowed DTI of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrowers Fico of 798 is 138 points greater than the minimum required Fico of 660. |
| 9075299 | XXXXXX | NC | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Provide an updated appraisal reflecting the correct lender's name. | (No Data) | Appraisal transfer provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.54% is 11.46% less than the maximum allowed DTI of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 265 months of verified reserves |
| 9075304 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Satisfied B A | CRDTER2850 | ARM terms do not meet guidelines | No | ARM terms do not meet guidelines | (No Data) | N/A. Fixed Rate note. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 19.15% DTI<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 35.42 months reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV |
| 9075305 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing Initial CD and Revised CD 08/19/2025 per the Disclosure Tracking | (No Data) | Initial CD and Revised CD provided | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 14.75 months in reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 Fico score exceeds the minimum Fico score of 740 |
| 9075305 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD and Revised CD 08/19/2025 per the Disclosure Tracking | (No Data) | Initial CD and Revised CD provided | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 14.75 months in reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 Fico score exceeds the minimum Fico score of 740 |
| 9075305 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Initial CD 08/14/2025 APR is 7.516% - Final CD dated 08/21/2025. | (No Data) | the APR is 7.508% - Variance is 0.008% in the borrower's favor - exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 14.75 months in reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 Fico score exceeds the minimum Fico score of 740 |
| 9075306 | XXXXXX | CA | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | The current lease agreements for the following properties are missing from the loan file. XXX; XXX; XXX and XXX. The file includes tax returns but the most recent are from 2023. | (No Data) | Used the Schedule E from the tax returns to determine rental income. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 24.81 months reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 score<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.93% DTI |
| 9075308 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | Credit | Legal Documents | Satisfied A | CRDLGL100 | Legal document incorrect or incomplete | No | Legal document incorrect or incomplete | (No Data) | Invalid: Fired in error. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 118 months of verified reserves<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 4.33% is 45.67% less than the maximum allowed DTI of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrowers Fico of 769 is 89 points greater than the minimum required Fico of 680. |
| 9075311 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | The final amortization schedule was not found in the file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 11.83 months of reserves. |
| 9075313 | XXXXXX | ID | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR5353 | Insurance Expiration date is prior than the transaction date | No | Insurance binder in file has an effective date of 08/20/2025 to 08/20/2025, same day. Additional, the policy did not included rent loss coverage. | (No Data) | Received updated hoi policy with rent loss coverage and updated to 8/18/2025 to 8/18/2026 | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 1293.97 months reserves<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 52.31% LTV |
| 9075317 | XXXXXX | GA | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Assets | Waived C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | According to the underwriting guidelines, a minimum 6 months reserves are required. | (No Data) | The loan was approved with 3.75 months of reserves. 1008 indicated that an exception for the reserves were granted for the loan. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 684 exceeds guidelines of 640.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has a credit line usage ratio of 24.01%. |
| 9075319 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 802 qualifying score is 10+ points > 700 requirement.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has low credit utilization of 10.80%. |
| 9075322 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 qualifying score is 10+ points > 640 requirement.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has good mortgage payment history. |
| 9075323 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Waived B | CRDTER4643 | Borrower does not meet guideline requirements | No | Borrower has 7 NSF's in the most recent 12 months which is greater than the 5 maximum NSF's allowed. | (No Data) | Client provided an approved exception to allow the loan with 7 NSF's in the most recent 12 months. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for the past 5 years and 10 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 credit score exceeds the minimum required<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 19.78 verified cash reserves exceed minimum required |
| 9075324 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The LTV of 75% is less than the Max of 85%<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30x76 - housing history |
| 9075325 | XXXXXX | CO | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 16.80 months reserves |
| 9075326 | XXXXXX | MS | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | The final HUD 1/ Settlement Statement is missing from the loan file. | (No Data) | Settlement statement provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 171.27 months in reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 Fico score exceeds the minimum Fico score of 680 |
| 9075326 | XXXXXX | MS | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Terms/Guidelines | Waived C B | CRDTER3256 | Seller contributions exceed guideline requirements | No | According to the guidelines, the maximum Interested Party Contributions is 5% of purchase price. In this case, the seller credit per the HUD-1 provided is 6% of the purchase price. | (No Data) | XXX approved the use of 6% IPC with comp factors. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 171.27 months in reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 Fico score exceeds the minimum Fico score of 680 |
| 9075330 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has low credit utilization of 0.00%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has good mortgage payment history.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 FICO<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV |
| 9075334 | XXXXXX | ID | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO score of 767 above minimum by 20 points or higher.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 101 months ITIA is 95 months greater than the 6 months required. |
| 9075337 | XXXXXX | TN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing Initial CD. | (No Data) | Lender provided 8/11/2025 CD - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 qualifying score is 10+ points > 700 requirement.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has low credit utilization of 6.23%. |
| 9075337 | XXXXXX | TN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. | (No Data) | Lender provided 8/11/2025 CD - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 qualifying score is 10+ points > 700 requirement.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has low credit utilization of 6.23%. |
| 9075337 | XXXXXX | TN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | An Internet Search for the borrower's business XXX, LLC is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 qualifying score is 10+ points > 700 requirement.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has low credit utilization of 6.23%. |
| 9075337 | XXXXXX | TN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Credit | Legal Documents | Satisfied D A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | An Internet Search for the borrower's business XXX, LLC is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 qualifying score is 10+ points > 700 requirement.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has low credit utilization of 6.23%. |
| 9075337 | XXXXXX | TN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Credit | Re-Verifications | Satisfied D A | CRDRVRFC2512 | Missing independent re-verification of employment | No | An Internet Search for the borrower's business XXX, LLC is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 qualifying score is 10+ points > 700 requirement.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has low credit utilization of 6.23%. |
| 9075338 | XXXXXX | WA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Loan documents do not meet guideline requirements | (No Data) | Exception approved for tax liens on subject property and using proceeds to payoff the liens. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 802 credit score exceeds minimum required<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at same residence for the past 11 years and 7 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 123.34 verified cash reserves exceed minimum required |
| 9075340 | XXXXXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 359.04 months of reserves<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 25.17% DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 FICO |
| 9075342 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 109 months of reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrowers Fico of 742 is 82 points greater than the minimum required Fico of 660. |
| 9075345 | XXXXXX | OR | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: fico 803<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 494.21 months |
| 9075346 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | The XXX Bank statement from May 12 2025 - June 11 2025 for account ending XXX is missing from the loan file. | Received XXX stmt 5/2025 to 6/2025. | Received XXX stmt 5/2025 to 6/2025. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 score<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.05% DTI<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 291.28 months reserves |
| 9075346 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Credit | Insurance | Satisfied D A | CRDINSR3792 | Insurance policy missing Rent Loss/Business Interruption coverage | No | According to the underwriting guidelines, a rental dwelling policy with rent loss coverage is required (6 months PITIA) unless income from the subject property is not being used to qualify. In this case, the policy indicates that rent loss is covered but the amount of coverage is missing. | (No Data) | Email from insurance agent provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 score<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.05% DTI<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 291.28 months reserves |
| 9075346 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4643 | Borrower does not meet guideline requirements | No | Provide the mortgage statement for XXX for the borrower's primary residence to verify the payment included taxes and insurance. | Received mtg stmt showing escrows for the borrowers primary residence. | Received mtg stmt showing escrows for the borrowers primary residence. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 score<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.05% DTI<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 291.28 months reserves |
| 9075346 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | The appraiser did not consider the commercial influence on the subject property (faces manufacturing warehouse) and the close proximity to freeway. No adjustments were made for those factors | (No Data) | Appraiser response provided. SG ok to clear | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 score<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.05% DTI<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 291.28 months reserves |
| 9075347 | XXXXXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | State Consumer Protection | Waived B | CMPSTCP2129 | MD Counseling Notice not in file | No | Provide missing MD Counseling Notice. | (No Data) | Based on everything I can locate in the MD State Code, the Homeownership Counseling Organization List that was issued should suffice in covering the State of MD requirements for this form as well. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 792<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 63.09%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $200,541 or 91.38 months |
| 9075349 | XXXXXX | MA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Satisfied B A | CRDTER2850 | ARM terms do not meet guidelines | No | ARM terms do not meet guidelines | (No Data) | Invalid: N/A. Fixed rate | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 16.84 months reserves |
| 9075350 | XXXXXX | AR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 3.00% revolving credit utilization<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 9 years current job time |
| 9075351 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 61.77 months reserves |
| 9075352 | XXXXXX | NH | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 16.83% revolving credit utilization.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 FICO Score > 20 points above minimum. |
| 9075353 | XXXXXX | TX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Income/Employment | Waived B | CRDINC150 | Income docs do not meet guidelines | No | DSCR calculated using market rent x 120%. Market rent is $2,400 with Lease in file at $3,000 per month commencing 8/15/2025. | (No Data) | 1008 in file indicates exception approved to allow the loan/DSCR calculation using market rent x 120%. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO score of 696 is 56 points above minimum of 640 required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0 X 30 X 57-housing history |
| 9082716 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 19.13% DTI is low.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has low credit utilization of 10.49%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 774. |
| 9082717 | XXXXXX | MA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | According to the underwriting guidelines, 2-year history of business ownership greater than 1-year but less than 2 can be considered. In this case, the borrowers have owned their business for less than 2 years but greater than 1 year. | (No Data) | XXX ok to clear, the borrower has owned the business for 18 months and previous employment history in line of work 10 years. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers have low credit utilization of 9.32%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have over 30 months of Reserves. |
| 9082717 | XXXXXX | MA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | According to the underwriting guidelines, for business bank statement verification a CPA, enrolled agent, chartered tax adviser or independent licensed accountant is allowed, however a PTIN agent is not allowed. In this case, the borrowers ownership percentage and business existence were verified by a PTIN agent. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers have low credit utilization of 9.32%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have over 30 months of Reserves. |
| 9082718 | XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 809 credit score exceeds minimum required<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for the past 21 years and 4 months |
| 9082699 | XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Credit | Legal Documents | Satisfied A | CRDLGL100 | Legal document incorrect or incomplete | No | Provide the final executed warranty deed for the loan file. | (No Data) | Fired in error. Located on page 848. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 33 months of reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrowers Fico of 756 is 56 points greater than the minimum required Fico of 700. |
| 9082700 | XXXXXX | PA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4643 | Borrower does not meet guideline requirements | No | According to the underwriting guidelines, borrowers with no investment properties retaining their departing residence as a rental require pre-approval. In this case, a pre-approval is missing from the loan file. | (No Data) | Invalid as this is not a Loan Store requirement. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 23.62% DTI is low.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers have low credit utilization of 0.40%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65% LTV |
| 9082701 | XXXXXX | OK | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 740.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is 0x30x60 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $488,534. |
| 9082702 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Provide the final amortization schedule for the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 17.15 months of verified reserves<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 2.83% is 47.17% less than the maximum allowed DTI of 50%. |
| 9082730 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 36 months of verified reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrower's credit score of 785 is 105 points greater than the requirement of 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The LTV of 59.18% is less than the maximum LTV of 85% for a second home property. |
| 9082719 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 18 months of verified reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No mortgage lates in the previous 84 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has resided in their subject property for 10 years. |
| 9058259 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60% is below max LTV of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 692 exceeds min score requirement of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x48. |
| 9058260 | XXXXXX | CA | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Insurance | Satisfied C A | CRDINSR5353 | Insurance Expiration date is prior than the transaction date | No | Master HOI expired 02/28/2025. Loan closed XXX. | 03/26/2025 lender response: Master Policy uploaded reflecting policy coverage from 2/28/2025 | 03/26/2025 exception satisfied | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 101.71 months PITIA, guidelines required 0 months PITIA. |
| 9058261 | XXXXXX | NY | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 80% exceeds max LTV of 75% for ITIN. Lender exception provided | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 775 exceeds min score requirement of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.93% is below max DTI of 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $XXX. CTC $XXX eaves reserves of $XXX or 10.76 mos. |
| 9058261 | XXXXXX | NY | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR4775 | Missing Market Rent Analysis | No | Missing 1007 Market Rent Form evidencing $5,000 mthly rent as used for qualifying. | 05/02/2025 lender provided 1007 | 05/02/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 775 exceeds min score requirement of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.93% is below max DTI of 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $XXX. CTC $XXX eaves reserves of $XXX or 10.76 mos. |
| 9058262 | XXXXXX | MI | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 657 exceeds min score requirement of 640. |
| 9058263 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 7 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60% is below max LTV of 75%. |
| 9058264 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 70% is below guideline requirements 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 712 exceeds guidelines 700. |
| 9058265 | XXXXXX | TX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Exception in file for DSCR to be considered 1 .00 changing LTV to 75% exceeds max LTV of 70% for purchase with DCSR >.80 TO <1.00 | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX. Required reserves $0. |
| 9058267 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 52.30% is below max LTV of 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 11 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 687 exceeds min score requirement of 680. |
| 9058272 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 2 years and 7 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 716 qualifying score. Min required per guidelines is 700. |
| 9058273 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%; max allowed per guidelines is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 654 qualifying score. Min required per guidelines is 650.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 18.34 months PITI, guidelines required 0 months PITI. |
| 9058275 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has owned primary residence for 8 years. |
| 9058277 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject investment property for 7 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 60% is below guideline requirements 70%. |
| 9058278 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60%; max allowed per guidelines is 65%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 91.96 months PITI, guidelines required 0 months PITI. |
| 9058279 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60%; max allowed per guidelines is 65%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 89.88 months PITI, guidelines required 0 months PITI. |
| 9058282 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 71.16% is below max LTV of 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 10 years 4 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX. Requires reserves $0.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x69.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 808 exceeds min score requirement of 750. |
| 9058283 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below max LTV of 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $XXX. CTC $XXX leaves reserves of $XXX or 2.76 mos. |
| 9058284 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing Hazard Insurance | No | Missing Hazard Insurance. | 03/18/2025 lender provided Hazard Insurance | 03/18/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 26.94 months PITI, guidelines required 0 months PITI. |
| 9058284 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing Flood Insurance. | 03/18/2025 lender provided Flood Insurance | 03/18/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 26.94 months PITI, guidelines required 0 months PITI. |
| 9058285 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has owned primary residence for 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX exceed guidelines $0.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 60% is below guideline requirements of 75%. |
| 9058286 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR1939 | Appraiser License for Incorrect State | No | Appraisal is incomplete. Missing the information of Appraiser's license. | 04/03/2025 lender provided Appraisal | 04/03/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current rented occupied residence for 9 years and 2 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 qualifying score. Min required per guidelines is 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 25.44 months PITIA, guidelines required 0 months PITIA. |
| 9058286 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR271 | Comp photos are missing | No | Appraisal is incomplete. Missing comp photos. | 04/03/2025 lender provided Appraisal | 04/03/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current rented occupied residence for 9 years and 2 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 qualifying score. Min required per guidelines is 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 25.44 months PITIA, guidelines required 0 months PITIA. |
| 9058286 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR281 | Subject Photos are missing | No | Appraisal is incomplete. Missing the subject photos. | 04/03/2025 lender provided Appraisal | 04/03/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current rented occupied residence for 9 years and 2 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 qualifying score. Min required per guidelines is 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 25.44 months PITIA, guidelines required 0 months PITIA. |
| 9058286 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR284 | Appraiser License Missing | No | Appraisal is incomplete. Missing the information of Appraiser's license. | 04/03/2025 lender provided Appraisal | 04/03/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current rented occupied residence for 9 years and 2 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 qualifying score. Min required per guidelines is 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 25.44 months PITIA, guidelines required 0 months PITIA. |
| 9058288 | XXXXXX | UT | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Assets | Waived B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Subject transaction is purchase of investment property. Per guidelines borrower must contribute the larger of 15% of purchase price ($XXX) or $XXX. All funds for the purchase came from gift funds, borrower has no own funds invested in purchase. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 10 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 46.71% is below guideline requirements of 65%. |
| 9058288 | XXXXXX | UT | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing the Comparable Rent Schedule Short Term Rents from appraisal 2/13/25 showing income of $33,000 used for DSCR calculation. | Lender provided Appraisal with rental schedule | exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 10 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 46.71% is below guideline requirements of 65%. |
| 9058288 | XXXXXX | UT | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Appraisal dated 2/13/25 for $XXX contains only pages 1-4. Missing the complete appraisal. | 04/03/2025 lender provided Appraisal | 04/03/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 10 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 46.71% is below guideline requirements of 65%. |
| 9058288 | XXXXXX | UT | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR271 | Comp photos are missing | No | Appraisal dated XXX for $XXX contains only pages 1-4. Missing the complete appraisal. | 04/03/2025 lender provided Appraisal | 04/03/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 10 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 46.71% is below guideline requirements of 65%. |
| 9058288 | XXXXXX | UT | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR281 | Subject Photos are missing | No | Appraisal dated XXX for $XXX contains only pages 1-4. Missing the complete appraisal. | 04/03/2025 lender provided Appraisal | 04/03/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 10 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 46.71% is below guideline requirements of 65%. |
| 9058290 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 30 years and 8 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 108.17 months PITI, guidelines required 0 months PITI.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 32 months when 12 months are required. |
| 9058291 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 36.91 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 59.99%; max allowed per guidelines is 65%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 4 years. |
| 9058292 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan approved at 41.79% LTV, Max is 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at primary residence for over 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 763 exceeds min score requirement of 750. |
| 9058293 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 80.03 months PITI, guidelines required 0 months PITI. |
| 9058294 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt C | C | A C | C | A | Compliance | Compliance Manual | Satisfied C A | CMPMAN2990 | 1003 - Final Application is not Accurate | No | Citizenship is marked as XXX. Documentation in file supports ITIN. | 04/30/2025 lender response: Loan closed as an ITIN since borrower did not have unexpired docs for NPRA but the 1003 is not able to show ITIN so the best answer is NPRA due to system limitations. | 04/30/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 13 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since 1/1/2000 (25 years 2 months).<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 802 exceeds min score requirement OF 750. |
| 9058295 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60% is below max LTV of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 762 exceeds min score requirement of 680.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 6 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x55. |
| 9058296 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing lease agreements for Unit 1 & 2. | 03/19/2025 lender provided Lease Agreements | 09/19/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60% is below max LTV of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x55.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 762 exceeds min score requirement of 680. |
| 9058297 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B2 has been on the same job for 5 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: B2 has lived at the current residence for 4 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $XXX, none required |
| 9058298 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 44.07% is below maximum of 70%<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x19. |
| 9058299 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years and 0 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 682 qualifying score. Min required per guidelines is 675.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 20.78% |
| 9058300 | XXXXXX | IN | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR3792 | Insurance policy missing Rent Loss/Business Interruption coverage | No | Insurance policy is missing 6 months rent loss coverage, as required. | 3/20/25-Rent Loss Coverage Clarification uploaded | Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years and 2 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%; max allowed per guidelines is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 671 qualifying score. Min required per guidelines is 650.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 70.23 months PITI, guidelines required 0 months PITI. |
| 9058301 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 58.99%; max allowed per guidelines is 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 102.13 months PITIA, guidelines required 0 months PITIA. |
| 9058302 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 103.44 months PITIA, guidelines required 0 months PITIA. |
| 9058303 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below maximum of 70% |
| 9058305 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below max LTV of 70%. |
| 9058306 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 60% is below guideline requirements of 65%. |
| 9058307 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 2 years |
| 9058308 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: B2 has mortgage payment history 0x30 since 12/2010.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX exceed guidelines $0. |
| 9058309 | XXXXXX | NV | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Fraud report missing for XXX. | 3/20/25- Fraud report uploaded for review | Exception satisfied | Not Applicable | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 774 exceeds min score requirement OF 750.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been XXX since 1/7/2011 (14 years 2 months). |
| 9058311 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 49 years 10 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 46.73% is below maximum of 75%<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x99.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 803 exceeds min score requirement OF 750. |
| 9058312 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing third party fraud report. | 04/09/2025 lender provided XXX report | 04/09/2025 exception satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 qualifying score. Min required per guidelines is 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or65.26 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 27 years. |
| 9058312 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Insurance | Waived D B | CRDINSR3792 | Insurance policy missing Rent Loss/Business Interruption coverage | No | Insurance Rent Loss of $XXX is not sufficient for 6 months at $XXX. Lender addressed rent loss was ok due to the cash out proceeds in an email, but not exception was provided | 05/02/2025 lender response: Updated ULAW with comp factors uploaded05/02/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factor for Reserves, Credit Score and time at current residence.05/05/2025 client acknowledged exception | 05/05/2025 Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 qualifying score. Min required per guidelines is 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or65.26 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 27 years. |
| 9058314 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 13 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 59.05% is below maximum of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $46,986.57. Required reserves 0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 763 exceeds min score requirement OF 750<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x63. |
| 9058315 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has 1 open/active tradeline; guidelines require minimum of 3 open/active tradelines. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 31.87 months PITIA, guidelines required 0 months PITIA. |
| 9058317 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | LTV 65% exceeds the maximum of 55% for refinance transaction on the DSCR No Ratio program. Lender approval in file. | 3/20/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 8/2020.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject investment property for 17 years. |
| 9058317 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing the lenders Underwriting Loan Approval Worksheet. | 03/24/2025 lender provided ULAW | 03/24/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 8/2020.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject investment property for 17 years. |
| 9058322 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves are $XXX or 85.57 mos. None required. |
| 9058323 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 75% exceeds max LTV of 70%. Lender exception approval provided | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $XXX. CTC $XXX leaves reserves of $XXX or 23.74 mos. |
| 9058324 | XXXXXX | SC | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR169 | Appraisal includes one or more issue(s) | No | Provide full appraisal | 04/04/2025 lender provided appraisal | 04/04/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years and 2 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 2 years and 6 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 652 qualifying score. Min required per guidelines is 640. |
| 9058324 | XXXXXX | SC | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR171 | Subject Photos Unacceptable | No | Provide full appraisal | 04/04/2025 lender provided appraisal | 04/04/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years and 2 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 2 years and 6 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 652 qualifying score. Min required per guidelines is 640. |
| 9058324 | XXXXXX | SC | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR167 | Appraisal not Signed | No | Provide full appraisal | 04/04/2025 lender provided appraisal | 04/04/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years and 2 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 2 years and 6 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 652 qualifying score. Min required per guidelines is 640. |
| 9058324 | XXXXXX | SC | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR173 | Comp Photos Unacceptable | No | Provide full appraisal | 04/04/2025 lender provided appraisal | 04/04/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years and 2 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 2 years and 6 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 652 qualifying score. Min required per guidelines is 640. |
| 9058325 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 64% is below maximum of 75%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive rental payment history 0x30x16.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 724 exceeds min score requirement OF 700 . |
| 9058327 | XXXXXX | VT | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Per guidelines, Underwriter may review for compliance with the XXX / XXX / XXX program while requiring 24 month housing history. The borrowers have no prior mortgage. Lender provided an exception for no mortgage. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 10.45 months PITI, guidelines required 0 months PITI. |
| 9058330 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years and 0 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 70% File LTV 38.96% |
| 9058331 | XXXXXX | NY | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR5353 | Insurance Expiration date is prior than the transaction date | No | Master Condo Policy with expiration date 3/22/2025 and loan date XXX | 04/18/2025 lender provided New Master Policy | 04/18/2025 exception satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 40% is below guideline requirements of 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 799 exceeds guidelines 625. |
| 9058332 | XXXXXX | GA | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Notes in file indicate 7 concurrent loans to the same borrower, Guidelines permit a maximum of 4 loans to one borrower. Exception approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B3 has lived at the current residence for 20 years<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history on credit is positive<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan approved at 70% LTV, Max 75% |
| 9058333 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Credit/Mtg History | Waived C B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Loan is 1 of 7 mtgs with borrower. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B2 has lived at the current residence for 20 years<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reporting to credit is positive<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying score of 781 is above the minimum score of 660 required for 70% LTV |
| 9058333 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | Missing payoff for subject reflecting $100K. Subject is part of a cross collateral that is being separated out. Missing evidence $100k will satisfy lien. | 05/05/2025 lender response: Uploading the FSSs from the other 3 loans that were cross collateralized and closed with XXX, all 4 add up to the demand amount. | 05/05/2025 Condition satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B2 has lived at the current residence for 20 years<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reporting to credit is positive<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying score of 781 is above the minimum score of 660 required for 70% LTV |
| 9058336 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 9 years 2 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX. Reserves required $0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 779 exceeds min score requirement OF 750. |
| 9058337 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: exceeds 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: over 12 months reserves<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: owner of the business for 19 years |
| 9058338 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x18.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 768 exceeds min score requirement of 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 58.30% is below maximum of 75%. |
| 9058340 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 26 years and 0 months at current residence. |
| 9058341 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years and 0 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 70% File LTV 64.45% |
| 9058342 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Missing Condo Master Insurance Policy with acceptable coverage. | 04/10/2025 lender provided Master Policy | 04/10/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Exceeds 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Exceeds 24 months |
| 9058343 | XXXXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 70% exceeds the maximum for purchase transaction on No Ratio program. Lender exception in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 794 exceeds guidelines 650.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX exceed guidelines $0. |
| 9058344 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing Hazard Insurance | No | Missing the Master Condo Insurance Policy. | 4/8/2024- Client uploaded master policy for review | Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned primary residence for 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 50% is below guideline requirements of 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX exceed guidelines $0. |
| 9058345 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 11 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 765 qualifying score. Min required per guidelines is 750. |
| 9058348 | XXXXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | No Ratio DCSR maximum LTV is 65% per GL. Loan LTV is 75%. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 8 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x44.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 808 exceeds min score requirement OF 750 |
| 9058351 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been on the current job since 2010<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 10 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory trades |
| 9058352 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 55.56%; max allowed per guidelines is 65.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 24 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 72.19 months PITIA, guidelines required 0 months PITIA. |
| 9058356 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 qualifying score. Min required per guidelines is 725.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 39 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 90.42 months PITIA, guidelines required 0 months PITIA. |
| 9058357 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | LTV/CLTV | Waived B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | LTV of 65% exceeds max LTV of 55% for a No ratio cash out loan. | 4/15/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x44.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 760 exceeds min score requirement of 640.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 5 years. |
| 9058357 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Appraisal is incomplete. Missing all pages and 1007. | 4/15/25- Client uploaded complete appraisal for review | Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x44.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 760 exceeds min score requirement of 640.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 5 years. |
| 9058357 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR284 | Appraiser License Missing | No | Missing all pages to appraisal. | 4/15/25- Client uploaded complete appraisal for review | Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x44.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 760 exceeds min score requirement of 640.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 5 years. |
| 9058359 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 9/2008.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 761 exceeds guidelines 600.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 48.73% is below guideline requirements of 80%. |
| 9058361 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years and 7 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 67 months when 12 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 708 qualifying score. Min required per guidelines is 700. |
| 9058362 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Assets | Waived D B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Transaction is purchase of an investment property. Per guidelines borrower is to document and source own funds investment in the larger amount of 15% of purchase price ($XXX) or $XXX. All funds for purchase of subject originated as gift funds. | 4/29/205- Client uploaded updated ULAW with exception approval for spouse to gift all closing funds and not meeting minimum contribution, comp factors, 776 FICO, subject in C2 condition for having only been built in 2022. .04/30/2025 client acknowledged exception | Final grade B04/30/2025 Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds 776 guidelines 650. |
| 9058362 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower does not meet the minimum credit requirements of 3 open tradelines greater than 24 months. | 4/29/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds 776 guidelines 650. |
| 9058362 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | LTV/CLTV | Waived B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | LTV 75% exceeds the maximum for DSCR No Ratio program of 65%. Lender approval in file. | 4/29/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds 776 guidelines 650. |
| 9058363 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $12,643.86. Required reserves $0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 799 exceeds min score requirement OF 750.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 57.97% is below maximum of 80%. |
| 9058366 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 2 years and 9 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 qualifying score. Min required per guidelines is 660 |
| 9058367 | XXXXXX | KS | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Effective date of HOI is 03/28/2025. Per note and HUD, closing date is XXX | 4/7/25- Client provided corrected HOI dated 3/25/25 effective date. | Satisfied | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 11 years 2 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 712 qualifying score. Min required per guidelines is 700.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 54 months when 12 months are required. |
| 9058367 | XXXXXX | KS | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Complete appraisal was not provided. Once provided need to recheck Rent Schedule to confirm DSCR of 1.2827, with rental amount of $2,150. | 4/7/25- Client uploaded completed appraisal and 1007 for review | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 11 years 2 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 712 qualifying score. Min required per guidelines is 700.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 54 months when 12 months are required. |
| 9058367 | XXXXXX | KS | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR271 | Comp photos are missing | No | Complete appraisal missing, including comp photos. | 4/7/25- Client uploaded completed appraisal | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 11 years 2 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 712 qualifying score. Min required per guidelines is 700.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 54 months when 12 months are required. |
| 9058367 | XXXXXX | KS | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR281 | Subject Photos are missing | No | Complete appraisal missing, including subject photos. | 4/7/25- Client uploaded completed appraisal | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 11 years 2 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 712 qualifying score. Min required per guidelines is 700.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 54 months when 12 months are required. |
| 9058369 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current occupied residence for 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 41.62 months PITIA, guidelines required 0 months PITIA. |
| 9058370 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 75%, loan approved at 38.83%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $XXX funds to close $XXX = post-closing reserves $XXX, none required. . |
| 9058371 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $XXX CTC $XXX leaves reserves of $XXX. GL required $0 reserves.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%; max allowed per guidelines is70%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 3 years 3 months. |
| 9058372 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 qualifying score. Min required per guidelines is 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current occupied residence for 5 years and 4 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 8.51 months PITI, guidelines required 0 months PITI. |
| 9058373 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 765 exceeds min score requirement of 640.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 7 years. |
| 9058374 | XXXXXX | UT | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 70% exceeds max of 65%, per guidelines. | 4/14/2025- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX exceed guidelines $0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 779 exceeds guidelines 625. |
| 9058376 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current rental occupied residence for 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 qualifying score. Min required per guidelines is 720.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 43 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 19.24 months PITI, guidelines required 0 months PITI. |
| 9058377 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Provide LE issued 1/23/25 to the borrower per XXX document. | 3.6.25-Client provided LE issued & e-signed 1/23/25. | 3.6.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 49.18% is below max LTV of 80%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0X30X34.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 23.48%, max per guidelines is 50%. |
| 9058379 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | Provide signed and notarized copy of Mortgage. | 3.24.25-Client provided signed & notarized copy of Mortgage and Rider. | 3.24.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 5 years and 0 months at current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 37.60%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 qualifying score. Min required per guidelines is 600. |
| 9058379 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC869 | Mortgage not signed | No | Provide signed and notarized copy of Mortgage and Rider. | 3.24.25-Client provided signed & notarized copy of Mortgage and Rider. | 3.24.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 5 years and 0 months at current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 37.60%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 qualifying score. Min required per guidelines is 600. |
| 9058379 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued 3/3/25 was received at least 3 business days prior to Closing. | 4.2.25-Client provided Initial CD issued 3/3/25 & signed 3/4/25. | 4.2.25-Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 5 years and 0 months at current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 37.60%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 qualifying score. Min required per guidelines is 600. |
| 9058379 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued 3/3/25 was received at least 3 business days prior to Closing. | 4.2.25-Client provided Initial CD issued 3/3/25 & signed 3/4/25. | 4.2.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 5 years and 0 months at current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 37.60%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 qualifying score. Min required per guidelines is 600. |
| 9058380 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 70% exceeds the maximum of 65% for cash out refinance with credit score 645. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 5.47% is exceeds guidelines of 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has owned the subject residence for 5 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 5 years. |
| 9058381 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof LE issued 12/24/24 was received at least 3 business days prior to Closing. | 3.24.25-Client provided Initial CD issued & e-signed 2/26/25. | 3.24.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 42.73%, max per guidelines is 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 46.53% is below guideline requirements of 65%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned subject residence for 17 years. |
| 9058381 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide Initial CD issued to borrower to include proof of receipt at least 3 business days prior to Closing. | 3.24.25-Client provided Initial CD issued & e-signed 2/26/25. | 3.24.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 42.73%, max per guidelines is 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 46.53% is below guideline requirements of 65%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned subject residence for 17 years. |
| 9058381 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Provide Initial CD issued to borrower to include proof of receipt at least 3 business days prior to Closing. | 3.24.25-Client provided Initial CD issued & e-signed 2/26/25. | 3.24.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 42.73%, max per guidelines is 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 46.53% is below guideline requirements of 65%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned subject residence for 17 years. |
| 9058381 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH121 | Bankruptcy history does not meet guidelines | No | Verify that the Chapter 13 Bankruptcy plan has been paid in full or through closing. | 04/18/2025 lender response Uploading BK documents along with Post Close CD showing the payoff. This is now a function of the attorney under the direction of the court per the recorded court order. | 04/18/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 42.73%, max per guidelines is 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 46.53% is below guideline requirements of 65%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned subject residence for 17 years. |
| 9058381 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | B1 does not meet the minimum credit requirements of 3 open tradelines greater than 24 months. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 42.73%, max per guidelines is 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 46.53% is below guideline requirements of 65%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned subject residence for 17 years. |
| 9058381 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Income/Employment | Satisfied C A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing the VVOE for B1 employment with XXX and XXX dated within 10 calendar days of Note date XXX | 03/19/2025 lender provided VVOEs | 03/19/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 42.73%, max per guidelines is 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 46.53% is below guideline requirements of 65%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned subject residence for 17 years. |
| 9058381 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing the bank statement from XXX#XXX for 9/2024 to complete income calculation for borrower 2. | 03/19/2025 lender provided Sept 2024 Bank Statement | 03/19/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 42.73%, max per guidelines is 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 46.53% is below guideline requirements of 65%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned subject residence for 17 years. |
| 9058381 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | HOI effective date 3/7/25 is greater than the loan disbursement date XXX | 03/19/2025 lender provided HOI | 03/19/2025 exception satisfied | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 42.73%, max per guidelines is 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 46.53% is below guideline requirements of 65%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned subject residence for 17 years. |
| 9058381 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Missing the complete appraisal for review. File contains pages 1-5 only. | 03/19/2025 lender provided Appraisal | 03/19/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 42.73%, max per guidelines is 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 46.53% is below guideline requirements of 65%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned subject residence for 17 years. |
| 9058381 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR284 | Appraiser License Missing | No | Missing the complete appraisal for review. File contains pages 1-5 only. | 03/19/2025 lender provided Appraisal | 03/19/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 42.73%, max per guidelines is 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 46.53% is below guideline requirements of 65%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned subject residence for 17 years. |
| 9058384 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 8 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been on the same job for 21 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan approved at 52.88% LTV. Max 70% |
| 9058385 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 723 exceeds guidelines 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 10.32% is below guideline requirement of 50%. |
| 9058386 | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | State Rate Spread | Waived B | CMPSRS1206 | CT Non-Prime, First Mortgage Disclosure Missing | No | Provide CT First Mortgage Disclosure. | 4.3.25-Client acknowledged CT First Mortgage Disclosure is missing. And requested status be changed from Open/Active to Waive/Closed. | 4.3.25-Final Grade B. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 5/2018.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has owned subject residence for 7 years. |
| 9058386 | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued 3/11/25 was received at least 3 business days prior to Closing. | 4.2.25-Client provided Initial CD issued & signed 3/11/25. | 4.2.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 5/2018.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has owned subject residence for 7 years. |
| 9058386 | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued 3/11/25 was received at least 3 business days prior to Closing. | 4.2.25-Client provided Initial CD issued & signed 3/11/25. | 4.2.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 5/2018.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has owned subject residence for 7 years. |
| 9058386 | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 70% exceeds the maximum of 65% for cash out transaction with score 645. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 5/2018.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has owned subject residence for 7 years. |
| 9058389 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 12 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x47.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 697 exceeds min score requirement of 675.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since 8/2/2018 (6 years 6 months). |
| 9058390 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH104 | Credit score below guidelines | No | Credit Score of 678 is below minimum of 680 for Rural property. Lender exception in file. | 3/17/24- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 18.71% is below max DTI of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 50% is below max LTV of 60%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 8 years. |
| 9058391 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrowers do not meet the minimum credit requirements of 3 open tradelines greater than 24 months. Lender approval in file under the 1 Score/No Score program using 24 months housing history and 24 months bank statements. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 19 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have rented departure residence for 5 years. |
| 9058391 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER4631 | Loan parameters do not meet guidelines | No | ITIN Borrower with one credit score must qualify with Full Documentation. Lender exception in file to qualify with Bank Statement Doc Type. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 19 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have rented departure residence for 5 years. |
| 9058393 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years and 0 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 690 qualifying score. Min required per guidelines is 675.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years and 0 months at current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 27.71% |
| 9058394 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years and 5 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 3 years and 5 months at current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50% File 25.74% |
| 9058396 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $493,632 exceed guidelines $95,379.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 11/2016.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been at current job for 12 years. |
| 9058398 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Assets | Waived B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Total assets verified $XXX. CTC $XXX leaves reserves of $XXX or 3.47 mos. GL requires 6 mos. Lender exception provided. | 3/20/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 758 exceeds min score requirement of 680.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for over 6 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 37.50% is below max DTI of 50%. |
| 9058398 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has no open tradelines | 3/20/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 758 exceeds min score requirement of 680.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for over 6 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 37.50% is below max DTI of 50%. |
| 9058398 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | LTV of 80% exceeds max LTV of 70% for Rural property. lender exception provided. | 3/20/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 758 exceeds min score requirement of 680.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for over 6 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 37.50% is below max DTI of 50%. |
| 9058399 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Compliance | Compliance Manual | Satisfied C A | CMPMAN2990 | 1003 - Final Application is not Accurate | No | Citizenship is marked as XXX which requires unexpired Visa & EAD, documentation in file supports ITIN. | 4/15/25- Loan closed as an ITIN since borrower did not have unexpired docs for NPRA but the 1003 is not able to show ITIN so the best answer is NPRA due to system limitations. | Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since 10/11/2019 (5 years 4 months).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below max LTV of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 699 exceeds min score requirement of 675.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX. Required reserves 0. |
| 9058399 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing income documentation supporting 2 year XXX | 4/15/25- Client provided CPA letter & verification that supports 5 years XXX. | Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since 10/11/2019 (5 years 4 months).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below max LTV of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 699 exceeds min score requirement of 675.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX. Required reserves 0. |
| 9058401 | XXXXXX | ID | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 27.45% is below guideline requirements of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 709 exceeds guidelines 600.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.61% is below guideline requirement of 50%. |
| 9058404 | XXXXXX | MN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing verification of Tax Preparer. License not provided. | 03/27/2025 lender provided CPA Verification | 03/27/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current rental occupied residence for 7 years and 2 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%; max allowed per guidelines is 80%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Rental payment history is for 132 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 6.10 months PITI, guidelines required 0 months PITI.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 20%, max per guidelines is 50%. |
| 9058405 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Finance Charge Tolerance | Satisfied C B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Discrepancy is $295 HOA Questionnaire, Provide PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery. | 4.2.25-Client states "Condo Questionnaire fee is a bona fide 3rd party document used to determine liabilities on the subject property. Like the Appraisal fee, it should not be included in the Finance Charge". Our outside counsel is firm that it is a finance charge if it is required by the lender or investor.4.10.25-Client provided PCCD issued 4/9/25, copy of refund check and tracking information. | 4.2.25-Exception Remains.4.10.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below maximum of 90%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX. Required reserves $0.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive rental payment history 0x30x99. |
| 9058405 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Finance Charge Tolerance | Satisfied C B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed | No | Discrepancy is $295 HOA Questionnaire, Provide PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery. | 4.2.25-Client states "Condo Questionnaire fee is a bona fide 3rd party document used to determine liabilities on the subject property. Like the Appraisal fee, it should not be included in the Finance Charge". Our outside counsel is firm that it is a finance charge if it is required by the lender or investor.4.10.25-Client provided PCCD issued 4/9/25, copy of refund check and tracking information. | 4.2.25-Exception Remains.4.10.25-Exception Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below maximum of 90%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX. Required reserves $0.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive rental payment history 0x30x99. |
| 9058406 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide Initial CD issued 2/25/25 was received at least 3 business days prior to Closing. | 3.24.25-Client provided Initial CD issued & e-signed 2/25/25. | 3.24.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 761 exceeds guidelines 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 69.39% is below guideline requirements of 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX exceed guidelines $0. |
| 9058406 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide Initial CD issued 2/25/25 was received at least 3 business days prior to Closing. | 3.24.25-Client provided Initial CD issued & e-signed 2/25/25. | 3.24.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 761 exceeds guidelines 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 69.39% is below guideline requirements of 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX exceed guidelines $0. |
| 9058406 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing rental history from prior residence from 2/24-7/24 to complete full 12 month housing history. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 761 exceeds guidelines 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 69.39% is below guideline requirements of 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX exceed guidelines $0. |
| 9058408 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX exceed guidelines $0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 722 exceeds guidelines 700. |
| 9058411 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | C | A D B C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued 3/19/25 was received at least 3 business days prior to Closing. | 4.14.25-Client stated "No CD was issued on 3/19/25. Proof of all documents sent to the borrower uploaded."Provide XXX esign log showing CD issued 3/19/25 was not sent to borrower.4.18.25-Per secondary opinion, statement is acceptable. | 4.14.25-Exception Remains.4.18.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since 5/1/2011 (13 years).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 78.72% is below maximum of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 768 exceeds min score requirement OF 750<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX. Required reserves $67,308.60. |
| 9058411 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | C | A D B C | C | A | Credit | Terms/Guidelines | Waived C B | CRDTER4631 | Loan parameters do not meet guidelines | No | Escrow account has been waived and is required by guidelines for subject loan amount. | 04/30/2025 lender response: Escrow Account Exception uploaded reflecting escrow waived approved per Mgmt.04/30/2025 Clayton response: Nothing has been received. Please upload again. Exception remains.05/01/2025 lender response: Escrow Account Exception re-uploaded | Upon further review by Senior underwriter, exception for escrow account deemed non-material. Loan amount is over by only $XXX and the borrower have additional $XXX in reserves. Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since 5/1/2011 (13 years).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 78.72% is below maximum of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 768 exceeds min score requirement OF 750<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX. Required reserves $67,308.60. |
| 9058411 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | C | A D B C | C | A | Property Valuations | Appraisal | Waived D B | PRVAAPPR175 | Missing Review Appraisal required per guidelines | No | 2nd Full Appraisal has been waived and is required by guidelines for subject loan amount. | 04/30/2025 lender response: 2nd Appraisal Exception uploaded reflecting 2nd appraisal waived & approved per Mgmt.04/30/2025 Clayton response: Nothing has been received. Please upload again. Exception remains.05/01/2025 lender response: 2nd Appraisal Exception re-uploaded | Upon further review by Senior Underwriter, missing 2nd appraisal deemed non-material. File contained CU score of 1.9 supporting OA. Loan amount exceeds by $XXX the requirement for only 1 appraisal. Borrower has additional $XXX in reserves. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since 5/1/2011 (13 years).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 78.72% is below maximum of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 768 exceeds min score requirement OF 750<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX. Required reserves $67,308.60. |
| 9058412 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 42.21% is below maximum of 75%<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x21.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 10.81%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 qualifying score. Min required per guidelines is 725. |
| 9058414 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject residence for 25 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 54.01% is below guideline requirements of 80%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 1/2023. |
| 9058415 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Assets | Waived C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified assets $XXX. Cash to close $XXX with reserves $XXX or 9.18 mos. Required reserves $XXX x 12 = $XXX ; short reserves $XXX. | 05/01/2025 lender response: Updated ULAW with comp factor uploaded05/30/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factor for DTI and time on job.05/05/2025 client acknowledged exception | 05/05/2025 Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 11 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.26% is below guideline requirement of 50%. |
| 9058416 | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | State Consumer Protection | Waived B | CMPSTCP1151 | SC Home Loans - Broker 'Amounts Earned' Disclosure not in file | No | Provide SC Home Loans - Broker 'Amounts Earned' Disclosure. | 3.20.25-Client acknowledged tradeline exception. | 3.20.25-Final Grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 6 years 3 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 71.81% is below maximum of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 774 exceeds min score requirement OF 750. |
| 9058417 | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | State Consumer Protection | Waived B | CMPSTCP1151 | SC Home Loans - Broker 'Amounts Earned' Disclosure not in file | No | Provide SC Broker amounts earned disclosure. | 3.28.25-Client Acknowledged Tradeline Exception. | 3.28.25-Final Grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 5 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 10 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below maximum of 80%<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive rental payment history 0x30x36.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $34,336.95. Required reserves $0. |
| 9058418 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 7 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.13% is below max DTI of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $XXX Funds to close $XXX = post-closing reserves $XXX or 22.92 mos. 6 mos required |
| 9058419 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Income/Employment | Waived B | CRDINC889 | Income is Not Reasonable | No | Bonus income is calculated based on the projected possible bonus earnings at a new job. Guidelines require that bonus income be calculated based only on bonus actually received. - Exception approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Credit report shows positive credit history<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 10 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same line of work for 25 years |
| 9058422 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued 3/3/25 was received at least 3 business days prior to Closing. | 4.3.25-Client provided Initial CD issued 3/3/25 & signed 3/4/25. | 4.3.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 10 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 13 years and 7 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been XXX with XXX for 13 years and 7 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 61.54%; max allowed per guidelines is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 674 qualifying score. Min required per guidelines is 650.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 27.21%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 58.50 months PITIA, guidelines required 0 months PITIA. |
| 9058422 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued 3/3/25 was received at least 3 business days prior to Closing. | 4.3.25-Client provided Initial CD issued 3/3/25 & signed 3/4/25. | 4.3.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 10 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 13 years and 7 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been XXX with XXX for 13 years and 7 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 61.54%; max allowed per guidelines is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 674 qualifying score. Min required per guidelines is 650.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 27.21%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 58.50 months PITIA, guidelines required 0 months PITIA. |
| 9058422 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Income/Employment | Waived B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing verification of CPA and no business license was provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 10 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 13 years and 7 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been XXX with XXX for 13 years and 7 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 61.54%; max allowed per guidelines is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 674 qualifying score. Min required per guidelines is 650.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 27.21%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 58.50 months PITIA, guidelines required 0 months PITIA. |
| 9058424 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | Documentation | Satisfied D A | CMPDOC3280 | One or more Applications in file are incomplete | No | Missing updated final 1003 with correct current address.1003 n file reflects borrower lives at subject property for 3 years. | 05/13/2025 lender provided Corrected 1003 | 05/13/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX since 2012<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $XXX Funds to close $XXX = post-closing reserves $XXX, none required.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive. |
| 9058424 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | Terms/Guidelines | Waived B | CRDTER110 | Loan amount exceeds guideline maximum | No | Loan amount of $XXX exceeds max allowable. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX since 2012<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $XXX Funds to close $XXX = post-closing reserves $XXX, none required.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive. |
| 9058426 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Compliance | Finance Charge Tolerance | Satisfied C B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Discrepancy of $150 HOA Questionnaire Fee. Provide PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery. | 4.24.25-Client provided PCCD issued 4/23/25, copy of refund check & tracking information. | 4.24.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 qualifying score. Min required per guidelines is 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Assets verified at $XXX less cash from borrower $XXX equals $XXX or 11.01 months PITIA. |
| 9058426 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Compliance | Finance Charge Tolerance | Satisfied C B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed | No | Discrepancy of $150 HOA Questionnaire Fee. Provide PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery. | 4.24.25-Client provided PCCD issued 4/23/25, copy of refund check & tracking information. | 4.24.25-Exception Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 qualifying score. Min required per guidelines is 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Assets verified at $XXX less cash from borrower $XXX equals $XXX or 11.01 months PITIA. |
| 9058426 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | provide CPA verification | 04/24/2025 lender provided CPA Verification | 04/24/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 qualifying score. Min required per guidelines is 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Assets verified at $XXX less cash from borrower $XXX equals $XXX or 11.01 months PITIA. |
| 9058428 | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued 3/4/25 was received at least 3 business days prior to Closing. | 4.3.25-Client provided Initial CD issued & signed 3/4/25. | 4.3.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current rental occupied residence for 11 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been employed with XXX., XXX for 7 years and 10 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 16.49 months PITI, guidelines required 0 months PITI. |
| 9058428 | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued 3/4/25 was received at least 3 business days prior to Closing. | 4.3.25-Client provided Initial CD issued & signed 3/4/25. | 4.3.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current rental occupied residence for 11 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been employed with XXX., XXX for 7 years and 10 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 qualifying score. Min required per guidelines is 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 16.49 months PITI, guidelines required 0 months PITI. |
| 9058429 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 19.24% is below guideline requirement of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX exceed guidelines $0.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 60% is below guideline requirements of 70%. |
| 9058431 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has owned subject residence for 27 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 27.50% is below guideline requirements of 80%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 1/2007. |
| 9058434 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | Missing Jan & Feb 2025 bank stmts for income calc. Only 2024 provided. Note date XXX. Most recent stmt available 12/31/24. Per guidelines bank stmts must be within 45 days from the statement ending date as of the date of closing. | 04/30/2025 lender response: Per Credit Memo dated 2/19/25, asset expiration has been pushed out to 90 days. | 04/30/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65.79% is below max LTV of 75%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been a XXX for over 7 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.75% is below max DTI of 50%. |
| 9058436 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued 3/24/25 was received at least 3 business days prior to Closing. | 4.18.25-Client provided Initial CD issued & signed 3/24/25. | 4.18.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 729 exceeds guidelines 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX exceed guidelines $85,802.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers rented prior residence for 4 years. |
| 9058436 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued 3/24/25 was received at least 3 business days prior to Closing. | 4.18.25-Client provided Initial CD issued & signed 3/24/25. | 4.18.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 729 exceeds guidelines 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX exceed guidelines $85,802.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers rented prior residence for 4 years. |
| 9058436 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | B1 does not meet the minimum credit requirements of 3 open tradelines greater than 24 months. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 729 exceeds guidelines 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX exceed guidelines $85,802.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers rented prior residence for 4 years. |
| 9058438 | XXXXXX | MT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | Missing Jan & Feb 2025 bank stmts for income calc. Only 2024 provided. Note date XXX. Most recent stmt available 12/31/24. Per guidelines bank stmts must be within 45 days from the statement ending date as of the date of closing. | 04/30/2025 lender response: Per Credit Memo dated 2/19/25, asset expiration has been pushed out to 90 days. | 04/30/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at subject property for over 26 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 49.75% is below max LTV of 60%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x66.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 28.89% is below max DTI of 50%. |
| 9058439 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing verification of gift funds in the amount of $XXX used for funds to close. | 05/08/2025 lender response: Uploading gift wire from brother, did not need the full $XXX | 05/08/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 714 exceeds guidelines 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.64% is below guideline requirement of 50%. |
| 9058442 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued 3/27/25 was received at least 3 business days prior to Closing. | 4.18.25-Client provided Initial CD issued & signed 3/27/25. | 4.18.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 783 exceeds min score requirement OF 750 |
| 9058442 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Assets | Waived B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Total assets verified $XXX CTC $XXX leaves $XXX or 5.96 for reserves. GL required 12 mos for reserves exception approved for 6 mos reserves. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 783 exceeds min score requirement OF 750 |
| 9058443 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 11 years and 9 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX LLC for 8 years and 3 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 85%; max allowed per guidelines is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 785 qualifying score. Min required per guidelines is 780.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXX or 27.21 months PITIA, guidelines required 6 months PITIA. |
| 9058446 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 qualifying score. Min required per guidelines is 660<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years and 0 months at current profession. |
| 9058447 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Assets | Waived B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified assets $XXX with cash to close of $XXX and reserves $XXX or 9.42. Required reserves $XXX short reserves by $XXX. Lender exception approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 714 exceeds guidelines 700.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 13 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.26% is below guideline requirement of 50%. |
| 9058447 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing rental payment for 9/2024 to complete full 12 month housing history. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 714 exceeds guidelines 700.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX at current job for 13 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.26% is below guideline requirement of 50%. |

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| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **SAN 2026-NQMS1** |
| **Start - End Dates:** | **7/2/2025 - 10/15/2025** |
| **Deal Loan Count:** | **188** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *188* |
| ***Loans with Conditions:*** | *91* |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| 9082715 | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 9082696 | XXXXXX | XXXXXX C B A | A | A C B | A | A | No |
| 9082728 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9075230 | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 9075236 | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 9075240 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9075243 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9075248 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9075250 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 9075257 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9075260 | XXXXXX | XXXXXX C B A | A | A C B | A | A | Not Applicable |
| 9075263 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9075266 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 9075267 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9075271 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 9075273 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 9075276 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9075282 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 9075283 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9075285 | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 9075286 | XXXXXX | XXXXXX D A | C | A D | C | A | No |
| 9075287 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9075288 | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 9075290 | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 9075292 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9075293 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9075294 | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 9075297 | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 9075298 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 9075299 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9075304 | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 9075305 | XXXXXX | XXXXXX C A | C | A C | C | A | No |
| 9075306 | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 9075308 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9075311 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9075313 | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 9075317 | XXXXXX | XXXXXX C B A | A | A C B | A | A | Not Applicable |
| 9075319 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9075322 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9075323 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 9075324 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9075325 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9075326 | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | No |
| 9075330 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9075334 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9075337 | XXXXXX | XXXXXX D A | C | A D | C | A | No |
| 9075338 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 9075340 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9075342 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9075345 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9075346 | XXXXXX | XXXXXX D A C | N/A | N/A D C | N/A | N/A | No |
| 9075347 | XXXXXX | XXXXXX B A | B | B A | B | B | No |
| 9075349 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 9075350 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9075351 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9075352 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9075353 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 9082716 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9082717 | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 9082718 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9082699 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9082700 | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 9082701 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9082702 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9082730 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9082719 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9058259 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9058260 | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| 9058261 | XXXXXX | XXXXXX D B A | A | A D B | A | A | Yes |
| 9058262 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Yes |
| 9058263 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9058264 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9058265 | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 9058267 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9058272 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9058273 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9058275 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9058277 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9058278 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9058279 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9058282 | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 9058283 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9058284 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9058285 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9058286 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9058288 | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 9058290 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9058291 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9058292 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9058293 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9058294 | XXXXXX | XXXXXX C A | C | A C | C | A | Yes |
| 9058295 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9058296 | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | No |
| 9058297 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9058298 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9058299 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9058300 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9058301 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9058302 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9058303 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9058305 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9058306 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9058307 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9058308 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9058309 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 9058311 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9058312 | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Yes |
| 9058314 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9058315 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 9058317 | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 9058322 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9058323 | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 9058324 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 9058325 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9058327 | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 9058330 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9058331 | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 9058332 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 9058333 | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Not Applicable |
| 9058336 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9058337 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9058338 | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 9058340 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9058341 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9058342 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9058343 | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 9058344 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 9058345 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9058348 | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 9058351 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9058352 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9058356 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9058357 | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Yes |
| 9058359 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9058361 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9058362 | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Yes |
| 9058363 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9058366 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9058367 | XXXXXX | XXXXXX D A C | A | A D C | A | A | Not Applicable |
| 9058369 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9058370 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9058371 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9058372 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9058373 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9058374 | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 9058376 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9058377 | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 9058379 | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 9058380 | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 9058381 | XXXXXX | XXXXXX D B A | D | A D B | D | A | No |
| 9058384 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9058385 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9058386 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Yes |
| 9058389 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9058390 | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 9058391 | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 9058393 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9058394 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9058396 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9058398 | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 9058399 | XXXXXX | XXXXXX D A | C | A D | C | A | Not Applicable |
| 9058401 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9058404 | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 9058405 | XXXXXX | XXXXXX C B A | C | B C A | C | B | No |
| 9058406 | XXXXXX | XXXXXX C B A | C | A C B | C | A | No |
| 9058408 | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 9058411 | XXXXXX | XXXXXX D B C | C | A D B C | C | A | Yes |
| 9058412 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9058414 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9058415 | XXXXXX | XXXXXX C B A | A | A C B | A | A | No |
| 9058416 | XXXXXX | XXXXXX B A | B | B A | B | B | Not Applicable |
| 9058417 | XXXXXX | XXXXXX B A | B | B A | B | B | No |
| 9058418 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9058419 | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 9058422 | XXXXXX | XXXXXX C B A | C | A C B | C | A | Not Applicable |
| 9058424 | XXXXXX | XXXXXX D B A | D | A D B | D | A | Not Applicable |
| 9058426 | XXXXXX | XXXXXX D B A | C | B D A | C | B | Not Applicable |
| 9058428 | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 9058429 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9058431 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9058434 | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 9058436 | XXXXXX | XXXXXX C B A | C | A C B | C | A | Yes |
| 9058438 | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 9058439 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 9058442 | XXXXXX | XXXXXX C B A | C | A C B | C | A | Yes |
| 9058443 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9058446 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9058447 | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |

---

![](tm264825d35_ex99-5img05.jpg)

---

| | |
|:---|:---|
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *72* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 9082715 | XXXXXX | Months PITI Reserves | 6.0000 | 404.74 |
| 9082728 | XXXXXX | Property City | XXXXXX | XXXXXX |
| 9082728 | XXXXXX | Months PITI Reserves | 6.0000 | 22.89 |
| 9075230 | XXXXXX | Months PITI Reserves | 6.0000 | 153.67 |
| 9075236 | XXXXXX | Months PITI Reserves | 42.0000 | 6.12 |
| 9075240 | XXXXXX | DTI (Back) | 47.9000 | 43.5356 |
| 9075240 | XXXXXX | Months PITI Reserves | 12.0000 | 121.49 |
| 9075243 | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| 9075243 | XXXXXX | Combined Loan to Value | 44.0500 | 49.771 |
| 9075243 | XXXXXX | Months PITI Reserves | 6.0000 | 19.48 |
| 9075248 | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| 9075248 | XXXXXX | Months PITI Reserves | 24.0000 | 25.39 |
| 9075250 | XXXXXX | Months PITI Reserves | 6.0000 | 12.62 |
| 9075250 | XXXXXX | Property Type | 2 Family | 3 Family |
| 9075257 | XXXXXX | Property City | XXXXXX | XXXXXX |
| 9075257 | XXXXXX | Months PITI Reserves | 6.0000 | 6.93 |
| 9075260 | XXXXXX | Months PITI Reserves | 12.0000 | 83.56 |
| 9075263 | XXXXXX | Months PITI Reserves | 6.0000 | 100.94 |
| 9075266 | XXXXXX | Property City | XXXXXX | XXXXXX |
| 9075266 | XXXXXX | Combined Loan to Value | 75.0000 | 70 |
| 9075266 | XXXXXX | Loan to Value | 75.0000 | 70 |
| 9075266 | XXXXXX | Months PITI Reserves | 6.0000 | 8.75 |
| 9075266 | XXXXXX | Original Principal Balance | XXXXXX | XXXXXX |
| 9075266 | XXXXXX | Property Type | SFR | Detached PUD |
| 9075267 | XXXXXX | Months PITI Reserves | 5.0000 | 21.43 |
| 9075267 | XXXXXX | Property Type | 2 Family | 4 Family |
| 9075271 | XXXXXX | Months PITI Reserves | 42.0000 | 75.71 |
| 9075276 | XXXXXX | Months PITI Reserves | 24.0000 | 4.18 |
| 9075282 | XXXXXX | Months PITI Reserves | 6.0000 | 22.34 |
| 9075283 | XXXXXX | Months PITI Reserves | 6.0000 | 7.9 |
| 9075285 | XXXXXX | Months PITI Reserves | 6.0000 | 26.86 |
| 9075285 | XXXXXX | Property Zip | XXXXXX | XXXXXX |
| 9075287 | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| 9075287 | XXXXXX | Months PITI Reserves | 6.0000 | 54.62 |
| 9075288 | XXXXXX | Months PITI Reserves | 25.0000 | 19.23 |
| 9075288 | XXXXXX | Property Type | 2 Family | 4 Family |
| 9075290 | XXXXXX | Months PITI Reserves | 12.0000 | 40.03 |
| 9075292 | XXXXXX | Months PITI Reserves | 12.0000 | 66.3 |
| 9075293 | XXXXXX | Months PITI Reserves | 12.0000 | 83.23 |
| 9075294 | XXXXXX | Property City | XXXXXX | XXXXXX |
| 9075294 | XXXXXX | Months PITI Reserves | 49.0000 | 51.88 |
| 9075294 | XXXXXX | Property Type | 2 Family | 4 Family |
| 9075297 | XXXXXX | Months PITI Reserves | 47.0000 | 44.96 |
| 9075299 | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| 9075299 | XXXXXX | Sales Price | XXXXXX | XXXXXX |
| 9075299 | XXXXXX | Months PITI Reserves | 24.0000 | 265.54 |
| 9075304 | XXXXXX | Months PITI Reserves | 12.0000 | 35.42 |
| 9075305 | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| 9075305 | XXXXXX | Months PITI Reserves | 6.0000 | 14.75 |
| 9075306 | XXXXXX | Sales Price | XXXXXX | XXXXXX |
| 9075306 | XXXXXX | Months PITI Reserves | 4.0000 | 24.75 |
| 9075306 | XXXXXX | Original Principal Balance | XXXXXX | XXXXXX |
| 9075306 | XXXXXX | Property Type | 2 Family | 4 Family |
| 9075308 | XXXXXX | Months PITI Reserves | 12.0000 | 118.73 |
| 9075311 | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| 9075311 | XXXXXX | Months PITI Reserves | 15.0000 | 11.83 |
| 9075313 | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| 9075313 | XXXXXX | Combined Loan to Value | 43.8700 | 52.3077 |
| 9075313 | XXXXXX | Months PITI Reserves | 36.0000 | 1293.97 |
| 9075317 | XXXXXX | Months PITI Reserves | 6.0000 | 3.75 |
| 9075319 | XXXXXX | Months PITI Reserves | 6.0000 | 109.05 |
| 9075322 | XXXXXX | Months PITI Reserves | 6.0000 | 27.51 |
| 9075323 | XXXXXX | DTI (Back) | 35.2900 | 32.1106 |
| 9075323 | XXXXXX | Months PITI Reserves | 6.0000 | 21.62 |
| 9075324 | XXXXXX | Months PITI Reserves | 6.0000 | 10.33 |
| 9075324 | XXXXXX | Note P&I | XXXXXX | XXXXXX |
| 9075325 | XXXXXX | Months PITI Reserves | 9.0000 | 14.39 |
| 9075325 | XXXXXX | Property Zip | XXXXXX | XXXXXX |
| 9075325 | XXXXXX | Property Type | 2 Family | 4 Family |
| 9075326 | XXXXXX | Months PITI Reserves | 6.0000 | 147.03 |
| 9075330 | XXXXXX | Months PITI Reserves | 6.0000 | 21.83 |
| 9075330 | XXXXXX | Property Type | 2 Family | 4 Family |
| 9075334 | XXXXXX | Months PITI Reserves | 6.0000 | 101.75 |
| 9075337 | XXXXXX | Months PITI Reserves | 6.0000 | 10.89 |
| 9075337 | XXXXXX | Property Type | SFR | Detached PUD |
| 9075338 | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| 9075338 | XXXXXX | Combined Loan to Value | 69.3300 | 72.2222 |
| 9075338 | XXXXXX | Loan to Value | 69.3300 | 72.2222 |
| 9075338 | XXXXXX | Months PITI Reserves | 99.0000 | 123.44 |
| 9075342 | XXXXXX | Months PITI Reserves | 24.0000 | 109.79 |
| 9075345 | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| 9075345 | XXXXXX | Months PITI Reserves | 492.0000 | 494.21 |
| 9075346 | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| 9075346 | XXXXXX | DTI (Back) | 30.0000 | 26.0528 |
| 9075346 | XXXXXX | Months PITI Reserves | 12.0000 | 291.28 |
| 9075347 | XXXXXX | Months PITI Reserves | 350.0000 | 91.38 |
| 9075347 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 9075349 | XXXXXX | Months PITI Reserves | 6.0000 | 16.84 |
| 9075349 | XXXXXX | Property Type | 2 Family | 3 Family |
| 9075350 | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| 9075350 | XXXXXX | Property City | XXXXXX | XXXXXX |
| 9075350 | XXXXXX | Months PITI Reserves | 12.0000 | 292.69 |
| 9075350 | XXXXXX | Property Type | SFR | Detached PUD |
| 9075351 | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| 9075351 | XXXXXX | Months PITI Reserves | 6.0000 | 61.77 |
| 9075351 | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 9075352 | XXXXXX | Months PITI Reserves | 6.0000 | 17.77 |
| 9075353 | XXXXXX | Months PITI Reserves | 6.0000 | 6.07 |
| 9082716 | XXXXXX | DTI (Back) | 24.2100 | 19.1322 |
| 9082716 | XXXXXX | Months PITI Reserves | 18.0000 | 26.8 |
| 9082717 | XXXXXX | Months PITI Reserves | 6.0000 | 34.45 |
| 9082718 | XXXXXX | Months PITI Reserves | 6.0000 | 6.47 |
| 9082699 | XXXXXX | Months PITI Reserves | 24.0000 | 31.2 |
| 9082700 | XXXXXX | Months PITI Reserves | 12.0000 | 12.47 |
| 9082701 | XXXXXX | Months PITI Reserves | 42.0000 | 33.59 |
| 9082702 | XXXXXX | Months PITI Reserves | 6.0000 | 17.15 |
| 9082702 | XXXXXX | Property Type | SFR | Detached PUD |
| 9058262 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 9058294 | XXXXXX | DTI (Back) | 15.9000 | 29.6108 |
| 9058294 | XXXXXX | Representative Score | 804 | 802 |
| 9058331 | XXXXXX | Borrower DSCR Percent | 1.0810 | 0.8301 |
| 9058348 | XXXXXX | Representative Score | 781 | 808 |
| 9058389 | XXXXXX | DTI (Back) | 47.3000 | 38.3963 |
| 9058389 | XXXXXX | Representative Score | 662 | 697 |
| 9058391 | XXXXXX | DTI (Back) | 24.3000 | 28.7175 |
| 9058391 | XXXXXX | Representative Score | 0 | 706 |
| 9058405 | XXXXXX | DTI (Back) | 46.9000 | 30.6112 |
| 9058405 | XXXXXX | Representative Score | 731 | 701 |
| 9058406 | XXXXXX | Representative Score | 761 | 772 |
| 9058412 | XXXXXX | DTI (Back) | 33.7000 | 10.8102 |
| 9058422 | XXXXXX | DTI (Back) | 34.3000 | 27.2116 |
| 9058424 | XXXXXX | DTI (Back) | 24.1000 | 16.4227 |
| 9058436 | XXXXXX | DTI (Back) | 48.0000 | 44.5755 |
| 9058446 | XXXXXX | DTI (Back) | 40.7000 | 44.9044 |

---

The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com

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| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **SAN 2026-NQMS1** |
| **Start - End Dates:** | **7/2/2025 - 10/15/2025** |
| **Deal Loan Count:** | **188** |
| **ATR QM Upload** | **ATR QM Upload** |
| *Loans in Report:* | *188* |

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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 9082715 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3%, 2%, 1% of amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 7.7323 | No | No | 7.984 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.10 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9082696 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3074 | No | No | 7.5 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | No | XXXXXX | Yes | XXXXXX | 1.06 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - Short-Term Rental | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9082728 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.54 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075230 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1546 | No | No | 1.165 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.62 | 48.95 | 49.62 | 48.95 | 48.95 | 48.95 | No | No | (No Data) | XXXXXX | No | 60 | Yes | Yes | No | (No Data) | No | (No Data) | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months | Business Tax Return - 12 months | Paystub - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075236 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8880 | Yes | Yes | 1.038 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.04 | 37.18 | 38.04 | 37.18 | 37.18 | 37.18 | No | No | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 9075240 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9590 | No | No | 0.835 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 43.54 | 0 | 43.54 | 43.54 | 43.54 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075243 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7237 | Yes | Yes | 0.656 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.34 | 39.76 | 40.34 | 39.76 | 39.76 | 39.76 | No | No | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075248 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5428 | Yes | No | 0.279 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 34.1 | 0 | 34.1 | 34.1 | 34.1 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075250 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | Yes | XXXXXX | 1.45 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075257 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7888 | No | No | 2.962 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.87 | 45.14 | 44.87 | 45.14 | 45.14 | 45.14 | No | No | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075260 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5277 | No | No | 1.497 | 1.497 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.09 | 46.36 | 45.09 | 46.36 | 46.36 | 46.36 | No | No | (No Data) | XXXXXX | No | 60 | Yes | Yes | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Personal Bank Statements - 6 months | Award Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075263 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | Yes | XXXXXX | 1.22 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 12 Months | DSCR - w/lease agreement - 12 Months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075266 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8749 | Yes | Yes | 1.041 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.06 | 34.06 | 34.06 | 34.06 | 34.06 | 34.06 | No | No | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075267 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7217 | Yes | No | 1.107 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 19.37 | 0 | 19.37 | 19.37 | 19.37 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075271 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.7879 | No | No | 8.433 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.48 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075273 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1840 | No | No | 7.906 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.04 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075276 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.04 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075282 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.8948 | Yes | Yes | 3.277 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 8.67 | 8.67 | 8.67 | 8.67 | 8.67 | 8.67 | No | No | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 180 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 180 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075283 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8652 | Yes | No | 2.48 | 6618.080 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50 | 35.64 | 0 | 35.64 | 35.64 | 35.64 | No | No | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075285 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5270 | Yes | Yes | 1.867 | 1.867 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.32 | 35.68 | 32.32 | 35.68 | 35.68 | 35.68 | No | No | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075286 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.4812 | Yes | Yes | 0.74 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.42 | 39.16 | 36.42 | 39.16 | 39.16 | 39.16 | No | No | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 9075287 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.7907 | Yes | No | 15.078 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 14.29 | 0 | 14.29 | 14.29 | 14.29 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075288 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | Yes | XXXXXX | 1.01 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075290 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0021 | No | No | 8.449 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 26.65 | 0 | 26.65 | 26.65 | 26.65 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075292 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8755 | No | No | 7.522 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | Yes | XXXXXX | 1.02 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - Month-to-Month | DSCR - w/lease agreement - Month-to-Month | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075293 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0973 | No | No | 5.497 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.03 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075294 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest of amt prepaid in 12 mos | (No Data) | Yes | Yes | 1 | 8.0846 | Yes | No | 5.878 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 20.41 | 0 | 20.41 | 20.41 | 20.41 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Paystub - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075297 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 38.47 | 0 | 38.47 | 38.47 | 38.47 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 7 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 7 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075298 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 37.08 | 0 | 37.08 | 37.08 | 37.08 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075299 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7342 | Yes | No | 2.178 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 38.54 | 0 | 38.54 | 38.54 | 38.54 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 30 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 30 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075304 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 19.15 | 0 | 19.15 | 19.15 | 19.15 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075305 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3239 | Yes | Yes | 2.234 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 20.81 | 20.81 | 20.81 | 20.81 | 20.81 | 20.81 | No | No | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075306 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd if amt prepd is >20% of OPB | (No Data) | No | Yes | 1 | 7.3523 | No | No | 2.95 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 33.71 | 0 | 33.71 | 33.71 | 33.71 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075308 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.4432 | Yes | No | 6.11 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 4.33 | 0 | 4.33 | 4.33 | 4.33 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075311 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2342 | No | No | 5.506 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 48.65 | 0 | 48.65 | 48.65 | 48.65 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | (No Data) | (No Data) | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 9075313 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.9721 | No | No | 11.805 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.46 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075317 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.10 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075319 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | Yes | XXXXXX | 1.22 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075322 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3935 | No | No | 9.603 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.00 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075323 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9725 | Yes | No | 8.573 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 32.11 | 0 | 32.11 | 32.11 | 32.4 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 70 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 70 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075324 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.02 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075325 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9012 | No | No | 5.622 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | Yes | XXXXXX | 1.17 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 6 Months | DSCR - w/lease agreement - 6 Months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075326 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.14 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075330 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 41.01 | 0 | 41.01 | 41.01 | 41.01 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075334 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of UPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 3.1 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.01 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075337 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1474 | No | No | 1.5 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.91 | 47.56 | 47.91 | 47.56 | 47.56 | 47.56 | No | No | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075338 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 7.0000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.06 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075340 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3124 | Yes | Yes | 0.596 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.29 | 28.11 | 28.29 | 28.11 | 28.11 | 28.11 | No | No | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075342 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.59 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075345 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4608 | No | No | 0.6 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 48.67 | 0 | 48.67 | 48.67 | 48.67 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Paystub - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075346 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7500 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 26.05 | 0 | 26.05 | 26.05 | 26.05 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075347 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2173 | No | No | 1.051 | 2.175 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.96 | 49.69 | 49.96 | 49.69 | 49.69 | 49.69 | No | No | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 25 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 25 months;<br> CPA Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075349 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 3.75 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | Yes | XXXXXX | 1.00 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 12 Months | DSCR - w/lease agreement - 12 Months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075350 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6878 | Yes | Yes | 0.6 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 10.13 | 9.28 | 10.13 | 9.28 | 9.28 | 9.28 | No | No | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075351 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos if amt prepd is >20% of UPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.10 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075352 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.9144 | No | No | 4.58 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.02 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9075353 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | Yes | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.00 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9082716 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.3336 | Yes | Yes | 3.217 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 19.02 | 19.13 | 19.02 | 19.13 | 19.13 | 19.13 | No | No | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9082717 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8239 | No | No | 0.826 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.84 | 49.48 | 48.84 | 49.48 | 49.48 | 49.48 | No | No | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9082718 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1781 | Yes | Yes | 2.854 | 2.854 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.65 | 39.65 | 39.65 | 39.65 | 39.65 | 39.65 | No | No | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9082699 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7752 | No | No | 1.549 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.55 | 48.87 | 47.55 | 48.87 | 48.87 | 48.87 | No | No | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 9082700 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6035 | Yes | Yes | 2.216 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 23.62 | 23.62 | 23.62 | 23.62 | 23.62 | 23.62 | No | No | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 9082701 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8795 | No | No | 0.123 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.85 | 49.85 | 49.85 | 49.85 | 49.85 | 49.85 | No | No | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9082702 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2102 | Yes | Yes | 2.62 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 2.83 | 2.83 | 2.83 | 2.83 | 2.83 | 2.83 | No | No | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9082730 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8161 | No | No | 0 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.9 | 44.54 | 44.9 | 44.54 | 44.54 | 44.54 | No | No | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9082719 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.9080 | Yes | No | 3.943 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 42.27 | 0 | 42.27 | 42.27 | 42.27 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058259 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | Yes | XXXXXX | 1.4029 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058260 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 8.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Entry stamp | (No Data) | (No Data) |
| 9058261 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.1250 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 33.93 | 0 | 33.93 | 33.93 | 33.93 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 36 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 9058262 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 12.9991 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | Yes | XXXXXX | 1.0176 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058263 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 0.9356 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058264 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.0100 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) |
| 9058265 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.9990 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 0.9984 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058267 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | Yes | XXXXXX | 1.1388 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058272 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.7501 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.0843 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058273 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | Yes | XXXXXX | 1.0632 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058275 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 0.9150 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058277 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.1805 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058278 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.0355 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Entry stamp | (No Data) | (No Data) |
| 9058279 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.0961 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) |
| 9058282 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 7.7501 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.7898 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058283 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.9990 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.5327 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058284 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.2486 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Entry stamp | (No Data) | (No Data) | (No Data) |
| 9058285 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | Yes | XXXXXX | 1.4100 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058286 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.0155 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058288 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | XXXXXX | No | XXXXXX | 1.0917 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058290 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058291 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.0065 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | Entry stamp | Entry stamp | (No Data) |
| 9058292 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | Yes | XXXXXX | 1.4904 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 9058293 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 8.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | Yes | XXXXXX | 1.1232 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | Entry stamp | (No Data) | (No Data) |
| 9058294 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% UPB if amt ppd in 12 mos > 20% OPB | (No Data) | Yes | Yes | 1 | 6.8750 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 29.61 | 0 | 29.61 | 29.61 | 29.61 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 18 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | P & L - 18 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058295 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | Yes | XXXXXX | 1.0558 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058296 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.6994 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058297 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 9.52 | 0 | 9.52 | 9.52 | 9.52 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) |
| 9058298 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | Yes | XXXXXX | 1.1999 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058299 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.2500 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 20.78 | 0 | 20.78 | 20.78 | 20.78 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 48 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058300 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 10.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | Yes | XXXXXX | 1.3203 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058301 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 0.8867 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Entry stamp | (No Data) | (No Data) |
| 9058302 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 8.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.0529 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | 1-551 stamp | (No Data) | (No Data) |
| 9058303 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 8.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.1628 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058305 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 8.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | Yes | XXXXXX | 1.1563 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058306 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 8.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.1498 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058307 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 10.1250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | XXXXXX | No | XXXXXX | 1.0239 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058308 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | Yes | XXXXXX | 1.3334 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058309 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.7501 | Yes | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 27.52 | 0 | 27.52 | 27.52 | 27.52 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | CPA Letter - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | Other | Other | Other | (No Data) |
| 9058311 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.7499 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.1701 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058312 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.1510 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058314 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.1619 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058315 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.0335 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058317 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058322 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | XXXXXX | No | XXXXXX | 1.0020 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 9058323 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 0.8143 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058324 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 8.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.1767 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058325 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.0839 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 9058327 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.0321 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | Green Card | Other | (No Data) | (No Data) |
| 9058330 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.4910 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058331 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 0.8301 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058332 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | Yes | XXXXXX | 1.1305 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058333 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | Yes | XXXXXX | 1.1500 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058336 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 8.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.1245 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058337 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 44.8 | 0 | 44.8 | 44.8 | 44.8 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058338 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.1390 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058340 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.1153 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058341 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.0038 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058342 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.0000 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058343 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058344 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | XXXXXX | No | XXXXXX | 1.7248 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058345 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | XXXXXX | No | XXXXXX | 1.1623 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058348 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.7501 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058351 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7490 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.1071 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 9058352 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.0115 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Entry stamp | (No Data) | (No Data) | (No Data) |
| 9058356 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.1250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.3472 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058357 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPPD if Amt PPD > 20% of OPB | (No Data) | No | Yes | 1 | 8.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058359 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.9172 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058361 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.1544 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058362 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058363 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7499 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.0394 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058366 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.2871 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058367 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.2827 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058369 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 0.9662 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 9058370 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.1584 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058371 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058372 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.3264 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058373 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | Yes | XXXXXX | 0.9043 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058374 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 0.8064 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058376 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | Yes | XXXXXX | 1.0767 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 9058377 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.8388 | Yes | Yes | 3.387 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 25.3 | 23.48 | 25.3 | 23.48 | 23.48 | 23.48 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058379 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.5457 | Yes | Yes | 3.588 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.6 | 37.6 | 37.6 | 37.6 | 37.6 | 37.6 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 26 | Yes | 26 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Verbal VOE with Income - 26 months | Verbal VOE with Income - 26 months;<br> W2 - 12 months | (No Data) | (No Data) | Other | Other | (No Data) | (No Data) |
| 9058380 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.9142 | Yes | No | 2.532 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 5.47 | 5.47 | 0 | 5.47 | 5.47 | 5.47 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 60 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058381 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7872 | Yes | No | 2.608 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.33 | 42.73 | 0 | 42.73 | 42.73 | 42.73 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 3 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 3 months;<br> W2 - 24 months | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058384 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 10.6242 | Yes | Yes | 4.835 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.6 | 42.48 | 42.6 | 42.48 | 42.48 | 42.48 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 13 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 60 months;<br> P & L Only - 13 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 9058385 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.8013 | Yes | No | 3.635 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 10.35 | 10.32 | 0 | 10.32 | 10.32 | 10.32 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 48 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 9058386 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.6345 | No | No | 2.746 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.85 | 49.84 | 0 | 49.84 | 49.84 | 49.84 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058389 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.1566 | Yes | No | 2.484 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.22 | 38.4 | 47.22 | 38.4 | 38.4 | 38.4 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 12 | Yes | Borrower | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058390 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 10.3509 | Yes | Yes | 3.402 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 18.9 | 18.71 | 18.9 | 18.71 | 18.71 | 18.71 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058391 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.8145 | Yes | No | 2.263 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 24.27 | 28.72 | 0 | 28.72 | 28.72 | 28.72 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 84 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 84 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | Other | Other | (No Data) | (No Data) |
| 9058393 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5362 | Yes | Yes | 2.734 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 27.71 | 27.71 | 27.71 | 27.71 | 27.71 | 27.71 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058394 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.2610 | Yes | Yes | 3.09 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 25.74 | 25.74 | 25.74 | 25.74 | 25.74 | 25.74 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 36 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058396 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0790 | No | No | 0.71 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.48 | 43.06 | 0 | 43.06 | 43.06 | 43.06 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 24 | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058398 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.5105 | Yes | Yes | 4.371 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.1 | 37.5 | 37.1 | 37.5 | 37.5 | 37.5 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 72 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 9058399 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.7929 | Yes | No | 2.505 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.02 | 42.97 | 44.02 | 42.97 | 42.97 | 42.97 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 60 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 9058401 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1283 | Yes | No | 2.318 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.51 | 42.61 | 0 | 42.61 | 42.61 | 42.61 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058404 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.3846 | Yes | Yes | 3.218 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 20.37 | 20 | 20.37 | 20 | 20 | 20 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 13 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> CPA Letter without Income - 24 months;<br> P & L - 13 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 9058405 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.6865 | Yes | No | 4.107 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.74 | 30.61 | 45.74 | 30.61 | 30.61 | 30.61 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months | CPA Letter - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 9058406 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0139 | No | No | 2.597 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.19 | 50.71 | 0 | 50.71 | 50.71 | 50.71 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 48 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058408 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.4279 | Yes | No | 3.426 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.35 | 42.5 | 0 | 42.5 | 42.5 | 42.5 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 9058411 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6130 | No | No | 1.128 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.44 | 46.53 | 48.44 | 46.53 | 46.53 | 46.53 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 48 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058412 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1509 | Yes | Yes | 1.761 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.69 | 10.81 | 33.69 | 10.81 | 10.81 | 10.81 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 30 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 30 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058414 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1271 | No | No | 2.794 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.95 | 49.93 | 0 | 49.93 | 49.93 | 49.93 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058415 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.7862 | Yes | No | 3.087 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.14 | 36.26 | 0 | 36.26 | 36.26 | 36.26 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 120 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 120 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058416 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.6135 | No | No | 3.615 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.68 | 46.83 | 49.68 | 46.83 | 46.83 | 46.83 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058417 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.2901 | Yes | Yes | 3.63 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 2.19 | 2.11 | 2.19 | 2.11 | 2.11 | 2.11 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 42 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 42 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 9058418 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.8681 | Yes | Yes | 3.136 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.04 | 33.13 | 33.04 | 33.13 | 33.13 | 33.13 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 25 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | P & L Only - 25 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058419 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1678 | Yes | Yes | 1.63 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.87 | 41.5 | 41.87 | 41.5 | 41.5 | 41.5 | Yes | Yes | Yes | XXXXXX | Yes | 60 | Yes | Yes | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Bank Statements - 2 months;<br> W2 - 12 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058422 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1445 | Yes | Yes | 2.708 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.17 | 27.21 | 34.17 | 27.21 | 27.21 | 27.21 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 168 | No | (No Data) | Yes | 168 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 168 months | Business Bank Statements - 12 months;<br> CPA Letter without Income - 168 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058424 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2062 | Yes | Yes | 2.08 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 24.15 | 16.42 | 24.15 | 16.42 | 16.42 | 16.42 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 147 | No | (No Data) | Yes | 147 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 147 months | Business Bank Statements - 12 months;<br> CPA Letter - 147 months | (No Data) | (No Data) | Other | Other | (No Data) | (No Data) |
| 9058426 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.0572 | No | No | 2.418 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.9 | 48.87 | 48.9 | 48.87 | 48.87 | 48.87 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 132 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 132 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058428 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8766 | No | No | 2.159 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.29 | 50.29 | 50.29 | 50.29 | 50.29 | 50.29 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 40 | Yes | FMNA 1005 | 57 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 40 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 57 months | (No Data) | (No Data) | Other | Other | (No Data) | (No Data) |
| 9058429 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Resident Alien | (No Data) | No | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9888 | Yes | No | 1.1 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 19.98 | 18.73 | 0 | 18.73 | 18.73 | 19.24 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 19 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 19 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058431 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9704 | No | No | 2.13 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.35 | 49.75 | 0 | 49.75 | 49.75 | 49.75 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058434 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.6160 | Yes | Yes | 4.083 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.19 | 39.75 | 39.19 | 39.75 | 39.75 | 39.75 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 72 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 9058436 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9421 | No | No | 1.743 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.97 | 44.58 | 0 | 44.58 | 44.58 | 44.58 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058438 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.9384 | Yes | Yes | 3.076 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 26.41 | 28.89 | 26.41 | 28.89 | 28.89 | 28.89 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058439 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.7516 | Yes | No | 3.385 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.18 | 42.64 | 0 | 42.64 | 42.64 | 42.64 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058442 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.9034 | No | No | 2.404 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.48 | 45.03 | 43.48 | 45.03 | 45.03 | 45.03 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 48 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 9058443 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8779 | No | No | 2.396 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.93 | 48.16 | 48.93 | 48.16 | 48.16 | 48.16 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058446 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6917 | No | Yes | 0.883 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.68 | 44.9 | 40.68 | 44.9 | 44.9 | 44.9 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9058447 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.0358 | Yes | No | 2.348 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.27 | 41.26 | 0 | 41.26 | 41.26 | 41.26 | Yes | Yes | Yes | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |

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©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

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| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **SAN 2026-NQMS1** |
| **Start - End Dates:** | **7/2/2025 - 10/15/2025** |
| **Deal Loan Count:** | **188** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *188* |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 9082715 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7323 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9082696 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.3074 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9082728 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9075230 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10503 | XXXXXX | 7.1546 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 9075236 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 3802.5 | XXXXXX | 7.888 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| 9075240 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.959 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9075243 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 2105 | XXXXXX | 7.7237 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9075248 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5428 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9075250 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9075257 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 18225 | XXXXXX | 7.7888 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9075260 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 3851 | XXXXXX | 7.5277 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 9075263 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9075266 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | Yes | No | 7175 | XXXXXX | 6.8749 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9075267 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7217 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9075271 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.7879 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9075273 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.184 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9075276 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9075282 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10470 | XXXXXX | 6.8948 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 9075283 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8013.08 | XXXXXX | 6.8652 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9075285 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 21395 | XXXXXX | 7.527 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 9075286 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 3050.13 | XXXXXX | 9.4812 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 9075287 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.7907 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9075288 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9075290 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.0021 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9075292 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8755 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9075293 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.0973 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9075294 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.0846 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9075297 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9075298 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9075299 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7342 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9075304 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9075305 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 30091 | XXXXXX | 7.3239 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9075306 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.3523 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9075308 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.4432 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9075311 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.2342 | Employed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9075313 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9721 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9075317 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9075319 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9075322 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.3935 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9075323 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9725 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9075324 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9075325 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.9012 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9075326 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9075330 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9075334 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9075337 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1474 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9075338 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9075340 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 2960 | XXXXXX | 7.3124 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 9075342 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9075345 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.4608 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9075346 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9075347 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | Yes | No | 2648.24 | XXXXXX | 7.2173 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9075349 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9075350 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 1488 | XXXXXX | 7.6878 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9075351 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9075352 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.9144 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9075353 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9082716 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | Yes | No | 5182 | XXXXXX | 7.3336 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9082717 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6652.9 | XXXXXX | 7.8239 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 9082718 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 13495 | XXXXXX | 7.1781 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9082699 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12165 | XXXXXX | 6.7752 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | 0 |
| 9082700 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 11239.62 | XXXXXX | 6.6035 | Employed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| 9082701 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.8795 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9082702 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8782.5 | XXXXXX | 7.2102 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9082730 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.8161 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 9082719 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.908 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9058259 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9058260 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9058261 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9058262 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 12.9991 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9058263 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 9058264 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9058265 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.999 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9058267 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9058272 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9058273 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9058275 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9058277 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 9058278 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9058279 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9058282 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9058283 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9058284 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9058285 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9058286 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.6251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9058288 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.75 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9058290 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9058291 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Employed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9058292 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9058293 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9058294 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9058295 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9058296 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9058297 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9058298 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 9058299 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9058300 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 10.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9058301 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9058302 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9058303 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 9058305 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 9058306 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 9058307 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 10.125 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9058308 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9058309 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9058311 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.7499 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9058312 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9058314 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9058315 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9058317 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9058322 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9058323 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9058324 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.625 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9058325 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9058327 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | Unemployed | Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9058330 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 9058331 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9058332 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9058333 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9058336 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9058337 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9058338 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9058340 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9058341 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 9058342 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9058343 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9058344 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9058345 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9058348 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9058351 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.749 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9058352 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9058356 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9058357 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9058359 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9058361 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9058362 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9058363 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.7499 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9058366 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9058367 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9058369 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9058370 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9058371 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9058372 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9058373 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9058374 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9058376 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 9058377 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9795 | XXXXXX | 6.8388 | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | Yes | 8132.54 |
| 9058379 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8729.5 | XXXXXX | 9.5457 | Employed | Employed | Non-Permanent Resident Alien | Permanent Resident Alien | (No Data) | Yes | 7027.95 |
| 9058380 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9450 | XXXXXX | 8.9142 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 105832.71 |
| 9058381 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8450 | XXXXXX | 7.7872 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 4218.68 |
| 9058384 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6896.39 | XXXXXX | 10.6242 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 5816.46 |
| 9058385 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12660 | XXXXXX | 9.8013 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 67116.49 |
| 9058386 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10656.47 | XXXXXX | 9.6345 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 5881.44 |
| 9058389 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10050 | XXXXXX | 9.1566 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 8586.55 |
| 9058390 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4420 | XXXXXX | 10.3509 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 13725.01 |
| 9058391 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8680 | XXXXXX | 8.8145 | Employed | Unemployed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Yes | 9822.94 |
| 9058393 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9250 | XXXXXX | 7.5362 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 21213.1 |
| 9058394 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10823.75 | XXXXXX | 9.261 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 13361.48 |
| 9058396 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 15568.44 | XXXXXX | 7.079 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 21019.85 |
| 9058398 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9948.59 | XXXXXX | 8.5105 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 3625.06 |
| 9058399 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9700 | XXXXXX | 8.7929 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 6538.05 |
| 9058401 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7890 | XXXXXX | 7.1283 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 6727.23 |
| 9058404 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6386.13 | XXXXXX | 9.3846 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 8955.41 |
| 9058405 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4940.63 | XXXXXX | 9.6865 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | Yes | 5781.76 |
| 9058406 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8550 | XXXXXX | 7.0139 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3004.22 |
| 9058408 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5546.88 | XXXXXX | 9.4279 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 3300.2 |
| 9058411 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 17100 | XXXXXX | 6.613 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 18172.36 |
| 9058412 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4375 | XXXXXX | 7.1509 | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | Yes | 32738.2 |
| 9058414 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10075 | XXXXXX | 7.1271 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6422.75 |
| 9058415 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10975 | XXXXXX | 9.7862 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 8488.02 |
| 9058416 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8754.25 | XXXXXX | 8.6135 | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | Yes | 2784.44 |
| 9058417 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10644 | XXXXXX | 9.2901 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 201842.22 |
| 9058418 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 16028 | XXXXXX | 7.8681 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 9868.81 |
| 9058419 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 27625 | XXXXXX | 7.1678 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 23500.13 |
| 9058422 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 15750 | XXXXXX | 7.1445 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 37787.58 |
| 9058424 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 96650 | XXXXXX | 7.2062 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Yes | 425720.6 |
| 9058426 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6860 | XXXXXX | 9.0572 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 5761.8 |
| 9058428 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6443.75 | XXXXXX | 7.8766 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Yes | 2542.03 |
| 9058429 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 24000 | XXXXXX | 6.9888 | Employed | (No Data) | Non-Resident Alien | (No Data) | No | Yes | 141557.21 |
| 9058431 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8006.25 | XXXXXX | 6.9704 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3496.14 |
| 9058434 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7332.5 | XXXXXX | 9.616 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 3719.89 |
| 9058436 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 14170 | XXXXXX | 7.9421 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 10074.16 |
| 9058438 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6031.88 | XXXXXX | 9.9384 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6650.28 |
| 9058439 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6950 | XXXXXX | 7.7516 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 4173.73 |
| 9058442 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 11920 | XXXXXX | 8.9034 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | 7153.47 |
| 9058443 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 30080.5 | XXXXXX | 7.8779 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 14777.1 |
| 9058446 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12315 | XXXXXX | 6.6917 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 19866.63 |
| 9058447 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 13898 | XXXXXX | 9.0358 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 10573.54 |

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©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

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| **Loan Number** | **Seller Loan Number** | **Borrower 1 Last Name** | **Borrower 1 First Name** | **Borrower 2 Guarantor Flag** | **Borrower 2 Last Name** | **Borrower 2 First Name** | **Borrower 3 Guarantor Flag** | **Borrower 3 Last Name** | **Borrower 3 First Name** | **Borrower 4 Guarantor Flag** | **Borrower 4 Last Name** | **Borrower 4 First Name** | **Borrowing Entity Name** | **Borrower 2 Borrowing Entity Name** | **Address Street** | **Address Street 2** | **Address City** | **Address State** | **Address Zip** | **Loan Type** | **Product Type** | **Amortization Type** | **Note Status** | **Original Principal Balance** | **Note Date** | **Combined Loan Amount** | **First Payment Date** | **Note Rate** | **Note P&I** | **Payment Frequency** | **Maturity Date** | **Note Term** | **Amortized Term** | **Balloon** | **Balloon Term** | **Interest Only Period** | **Interest Only Term** | **Prepayment Penalty** | **Prepayment Penalty Term** | **Prepayment Penalty Type** | **Buydown** | **Buydown Period** | **Index** | **Look Back Period** | **Margin** | **Rounding Method** | **Max Rate At First Adj** | **Min Rate At First Adj** | **Rate Change Frequency** | **Payment Change Frequency** | **First Rate Change Date** | **First Payment Change Date** | **Next Rate Change Date** | **Next Pay Change Date** | **Periodic Rate Cap** | **Negative Amortization Principal Cap** | **Periodic Payment Cap Code** | **Maximum Rate** | **Minimum Rate** | **Lender Name** | **Origination Channel** | **Loan Modified** | **Reason For Modification** | **Mod Product Type** | **Modified Note Status** | **Modified Note Date** | **Note Amort Type Mod** | **Loan Amount Mod** | **Note Rate Mod** | **Note P&I Mod** | **Payment Frequency Mod** | **First Payment Date Mod** | **Maturity Date Mod** | **Loan Term Mod** | **Balloon Mod** | **Balloon Term Mod** | **Interest Only Period Mod** | **Interest Only Term Mod** | **Index Mod** | **Lookback Period Mod** | **Margin Mod** | **Rounding Method Mod** | **Max Rate At First Adj Mod** | **Min Rate At First Adj Mod** | **Rate Change Frequency Mod** | **Pay Change Frequency Mod** | **First Rate Change Date Mod** | **First Payment Change Date Mod** | **Next Rate Change Date Mod** | **Next Pay Change Date Mod** | **Periodic Rate Cap Mod** | **Negative Amortization Principal Cap Mod** | **Periodic Payment Cap Code Mod** | **Maximum Rate Mod** | **Minimum Rate Mod** | **Occupancy** | **Loan Purpose** | **Cash To Borrower At Close** | **Total Cash Out** | **Appraisal Status** | **Appraisal Form** | **Appraisal Date** | **Appraised Value** | **Sales Price** | **Value for LTV** | **Property Type** | **Number of Units** | **Year Built** | **Location** | **Occupancy Status** | **Appraisal Made** | **Site Value** | **Appraisal Review Type** | **Appraisal Review Value** | **LTV** | **CLTV** | **HCLTV** | **Mortgage Status** | **County** | **MIN Number** | **Transaction Date** | **Assumable** | **Mandatory Arbitration** | **Mortgage Insurance Required Indicator** | **Mortgage Cert in File** | **MI Paid By Borrower or Lender** | **MI Cert Number** | **MI Company** | **MI Percent of Coverage** | **MI Monthly Payment** | **Lien Position** | **Title Status** | **Other Liens** | **Other Lien Balance** | **Other Lien Payment** | **Title Doc Type** | **Title Interest Type** | **Property Tax Amount** | **Hazard Insurance Premium Amount** | **Flood Insurance Issuer** | **Flood Insurance Policy Mandatory** | **Flood Insurance Premium Amount** | **HOA Monthly Premium Amount** | **Application Status** | **Application Date** | **Number In Household** | **Relocation Loan** | **Credit Report Status** | **Credit Report Date** | **Longest Tradeline** | **Max Tradeline Amount** | **Number of Tradelines Open** | **Late Payments x30** | **Late Payments x60** | **Late Payments x90** | **Borrower 1 SSN** | **Borrower 1 Date of Birth** | **Borrower 1 Age** | **Borrower 1 Occupation** | **Borrower 1 Years On Job** | **Borrower 1 Years In Field** | **Borrower 1 Self Employed** | **Borrower 1 First Time Home Buyer** | **Borrower 1 Gender** | **Borrower 1 US Citizen** | **Borrower 1 Permanent Resident** | **Borrower 1 Non Permanent Resident** | **Borrower 1 Residency Basis Type** | **Borrower 1 Residency Duration Years** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Race 2** | **Borrower 1 Race 3** | **Borrower 1 Race 4** | **Borrower 1 Race 5** | **Borrower 1 Equifax Credit Score** | **Borrower 1 Experian Credit Score** | **Borrower 1 Transunion Credit Score** | **Borrower 1 Total Income** | **Borrower 2 SSN** | **Borrower 2 Date Of Birth** | **Borrower 2 Age** | **Borrower 2 Occupation** | **Borrower 2 Years On Job** | **Borrower 2 Years In Field** | **Borrower 2 Self Employed** | **Borrower 2 First Time Home Buyer** | **Borrower 2 Gender** | **Borrower 2 US Citizen** | **Borrower 2 Permanent Resident** | **Borrower 2 Non Permanent Resident** | **Borrower 2 Residency Basis Type** | **Borrower 2 Residency Duration Years** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Race 2** | **Borrower 2 Race 3** | **Borrower 2 Race 4** | **Borrower 2 Race 5** | **Borrower 2 Equifax Credit Score** | **Borrower 2 Experian Credit Score** | **Borrower 2 Transunion Credit Score** | **Borrower 2 Total Income** |
| 9082715 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.2500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1% of amt prepd in yr 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 64.74 | 64.74 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 159.44 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 10500.00 | 6 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 759 | 750 | 754 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9082696 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.2500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 329.82 | (No Data) | (No Data) | (No Data) | 106.00 | Present | XXXXXX | 7 | No | Present | XXXXXX | 99 | 17500.00 | 7 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 794 | 773 | 796 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9082728 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.5000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 145.33 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 33500.00 | 31 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 760 | 754 | 743 | 0 |
| 9075230 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.0000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 257.51 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 35000.00 | 14 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 808 | 792 | 781 | 1442.25 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 812 | 791 | 797 | 455.5 |
| 9075236 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.6250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 63.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 85 | 18000.00 | 9 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 725 | 724 | 713 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 726 | 716 | 695 | 22736.06 |
| 9075240 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 76.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 294 | 40000.00 | 13 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 748 | 734 | 740 | 23678.16 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 738 | 743 | 754 | 12405.47 |
| 9075243 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.6250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 49.77 | 49.77 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 117.69 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 99 | 14500.00 | 25 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 709 | 766 | 727 | 16721.36 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9075248 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.5000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 120.76 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 99 | 39885.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 815 | 802 | 790 | 21822.56 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9075250 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 196.00 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 7 | No | Present | XXXXXX | 82 | 39084.00 | 16 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 668 | 627 | 687 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9075257 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 420.91 | (No Data) | (No Data) | (No Data) | 20.83 | Present | XXXXXX | 1 | No | Present | XXXXXX | 42 | 2200.00 | 9 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 742 | 747 | 689 | 27330.74 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9075260 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.2500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 110.50 | (No Data) | (No Data) | (No Data) | 3.75 | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 17500.00 | 3 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 796 | 826 | 812 | 3614.56 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 795 | 837 | 811 | 1286.13 |
| 9075263 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.5000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 69.44 | 69.44 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 125.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 9991.00 | 9 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 740 | 713 | 717 | 0 |
| 9075266 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 174.75 | (No Data) | (No Data) | (No Data) | 489.17 | Present | XXXXXX | 3 | No | Present | XXXXXX | 99 | 14300.00 | 5 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 817 | 836 | 806 | 20731.50 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9075267 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.6250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 285.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 99 | 600.00 | 7 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 805 | 761 | 785 | 8583.25 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9075271 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 134.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 60 | 95311.00 | 9 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 756 | 749 | 727 | 0 |
| 9075273 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.0000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 100.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 1600.00 | 7 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 762 | 761 | 795 | 0 |
| 9075276 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX |  | XXXXXX | 68.64 | 68.64 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 259.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 24000.00 | 27 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 811 | 819 | 778 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9075282 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.6250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 48.53 | 48.53 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 215.80 | (No Data) | (No Data) | (No Data) | 305.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 15000.00 | 24 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 756 | 761 | 746 | 116328.23 |
| 9075283 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.6250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Vacant | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 39.33 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 99 | 50000.00 | 4 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 792 | 787 | 800 | 8441.43 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9075285 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.5000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 412.08 | (No Data) | (No Data) | (No Data) | 240.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 99 | 26500.00 | 18 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 699 | 708 | 728 | 57425.27 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 805 | 823 | 796 | 14400.04 |
| 9075286 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.3750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | 90.00 | 90.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 162.00 | (No Data) | (No Data) | 93.58 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 55 | 5800.00 | 5 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 747 | 775 | 745 | 14056.23 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9075287 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.6250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 349.61 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 99 | 12500.00 | 7 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 763 | 788 | 731 | 63002.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9075288 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 190.85 | (No Data) | (No Data) | (No Data) | 150.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 99 | 31800.00 | 7 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 795 | 792 | 796 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9075290 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR-Attached | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 124.78 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 82 | 7000.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 770 | 755 | 745 | 12336.64 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 751 | 731 | 719 | 0 |
| 9075292 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.6250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 101.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 32350.00 | 3 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 777 | 792 | 696 | 0 |
| 9075293 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.0000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 171.74 | (No Data) | (No Data) | (No Data) | 186.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 81 | 24400.00 | 5 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 786 | 809 | 796 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9075294 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 6 mos interest of amt prepaid in 12 mos | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Leasehold | XXXXXX | 176.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 19300.00 | 7 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 791 | 797 | 772 | 17966.66 |
| 9075297 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 66.25 | (No Data) | (No Data) | (No Data) | 285.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 142 | 34000.00 | 9 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 801 | 798 | 792 | 45935.75 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 783 | 800 | 797 | 0 |
| 9075298 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 66.33 | (No Data) | (No Data) | (No Data) | 285.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 99 | 18000.00 | 9 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 801 | 798 | 792 | 45933.92 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 783 | 800 | 797 | 0 |
| 9075299 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.5000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 74.40 | 74.40 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 1659.26 | (No Data) | (No Data) | (No Data) | 96.92 | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 15000.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 792 | 819 | 794 | 35269.24 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9075304 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.3750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 140.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 57 | 5500.00 | 8 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 759 | 728 | 745 | 55059.72 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9075305 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.2500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 1496.62 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 67 | 39408.00 | 3 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 784 | 776 | 761 | 67267.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9075306 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.3750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 6 mos interest on amt prepd if amt prepd is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 261.22 | (No Data) | (No Data) | 33.96 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 99 | 20000.00 | 10 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 794 | 801 | 790 | 9520.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9075308 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.3750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Title Report | Fee Simple | XXXXXX | 164.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 19000.00 | 5 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 755 | 770 | 769 | 1656775.23 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9075311 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.0000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 145.83 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 99 | 17500.00 | 14 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 698 | 733 | 731 | 33340.57 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 720 | 719 | 717 | 0 |
| 9075313 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 52.31 | 52.31 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 36.53 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 1150.00 | 3 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 779 | 799 | 753 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 706 | 771 | 655 | 0 |
| 9075317 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.2500 | XXXXXX | Monthly | XXXXXX | 480 | 480 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 157.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 67 | 4900.00 | 6 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 658 | 684 | 685 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9075319 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.1250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 97.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 97 | 23000.00 | 2 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 802 | 786 | 811 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9075322 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.0000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 120 | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 152.70 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 10000.00 | 4 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 710 | 713 | 725 | 0 |
| 9075323 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.6250 | XXXXXX | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 164.67 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 92 | 50000.00 | 2 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 760 | 779 | 782 | 73358.28 |
| 9075324 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.3750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 88.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 82 | 15300.00 | 2 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 768 | 742 | 763 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9075325 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 74.89 | 74.89 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 345.05 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 4492.00 | 27 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 775 | 764 | 756 | 0 |
| 9075326 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.2500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 214.92 | (No Data) | (No Data) | 43.97 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 10866.00 | 19 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 804 | 807 | 798 | 0 |
| 9075330 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.1250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 235.08 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 54500.00 | 4 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 761 | 750 | 759 | 70189.82 |
| 9075334 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 120 | Yes | 24 | 6 mos interest on amt prepd in 12 mos that is >20% of UPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 84.00 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 6 | No | Present | XXXXXX | 228 | 41000.00 | 18 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 772 | 765 | 767 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9075337 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.0000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | Full Appraisal | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 667.08 | (No Data) | (No Data) | (No Data) | 249.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 78 | 29800.00 | 9 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 789 | 775 | 782 | 78743.07 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9075338 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.0000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | 72.22 | 72.22 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 114.58 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 10500.00 | 1 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 802 | 817 | 801 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9075340 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.2500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 120.73 | (No Data) | (No Data) | (No Data) | 391.67 | Present | XXXXXX | 4 | No | Present | XXXXXX | 99 | 20000.00 | 8 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 798 | 787 | 771 | 9613.35 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 804 | 818 | 800 | 23175 |
| 9075342 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.3750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 68.03 | 68.03 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 60.00 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 82 | 28000.00 | 11 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 723 | 742 | 744 | 0 |
| 9075345 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.3750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 54.11 | (No Data) | (No Data) | 0.00 | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 14701.00 | 2 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 795 | 832 | 803 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 810 | 814 | 815 | 18818.72 |
| 9075346 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 75.83 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 62.00 | 17 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 784 | 790 | 794 | 21001.11 |
| 9075347 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Not Applicable | XXXXXX | 63.10 | 63.10 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 144.75 | (No Data) | (No Data) | (No Data) | 67.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 77 | 17500.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 685 | 792 | 799 | 4919.87 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9075349 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.5000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Urban | Tenant | As-Is | XXXXXX |  | XXXXXX | 74.09 | 74.09 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 289.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 99 | 32700.00 | 11 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 766 | 768 | 750 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 755 | 750 | 741 | 0 |
| 9075350 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.6250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 71.43 | 71.43 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 289.57 | (No Data) | (No Data) | (No Data) | 10.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 90 | 38000.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 788 | 788 | 798 | 29220.01 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9075351 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.5000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd in 12 mos if amt prepd is >20% of UPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 186.08 | (No Data) | (No Data) | (No Data) | 70.83 | Present | XXXXXX | 2 | No | Present | XXXXXX | 92 | 7000.00 | 9 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 765 | 759 | 758 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9075352 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 120 | Yes | 24 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 138.33 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 82 | 30000.00 | 14 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 792 | 795 | 781 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 688 | 678 | 713 | 0 |
| 9075353 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.1250 | XXXXXX | Monthly | XXXXXX | 480 | 480 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 150.00 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 132 | 20000.00 | 3 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 696 | 663 | 778 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9082716 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.9900 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 65.38 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 48 | 7700.00 | 2 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 761 | 776 | 774 | 6818.65 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9082717 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.6250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX |  | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 227.22 | (No Data) | (No Data) | 212.05 | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 93 | 5001.00 | 19 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 784 | 785 | 751 | 12731.47 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 813 | 786 | 783 | 12731.47 |
| 9082718 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 190.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 9200.00 | 2 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 809 | 820 | 808 | 10238.42 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9082699 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.6250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 76.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 99 | 16000.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 734 | 765 | 756 | 7470.59 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 750 | 752 | 755 | 7470.59 |
| 9082700 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.3750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 116.50 | (No Data) | (No Data) | (No Data) | 12.50 | Present | XXXXXX | 3 | No | Present | XXXXXX | 99 | 2500.00 | 6 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 808 | 825 | 807 | 22713.65 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 804 | 815 | 799 | 0 |
| 9082701 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Not Applicable | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 733.03 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 120 | 90826.00 | 6 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 741 | 705 | 740 | 35598.01 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9082702 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.1250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 191.17 | (No Data) | (No Data) | (No Data) | 58.33 | Present | XXXXXX | 2 | No | Present | XXXXXX | 4 | 1000.00 | 1 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 759 | 732 | 763 | 105693.14 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9082730 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | 59.18 | 59.18 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 156.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 5000.00 | 8 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 785 | 790 | 783 | 6707.58 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 801 | 825 | 796 | 8750 |
| 9082719 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.5000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | 74.09 | 74.09 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 157.50 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 84 | 2400.00 | 39 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 703 | 726 | 726 | 18596.74 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058259 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Final Title | Fee Simple | XXXXXX | 310.14 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 374 | 30201.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 688 | 692 | 711 | 0 |
| 9058260 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.2500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 55.00 | 55.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 127.22 | (No Data) | (No Data) | (No Data) | 415.00 | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058261 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.1250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 238.75 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 167 | 12000.00 | 3 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 784 | Not Applicable | 775 | 12694.79 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058262 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 12.9990 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 96.58 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 148 | 19400.00 | 7 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 627 | 662 | 657 | 0 |
| 9058263 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 75.58 | (No Data) | (No Data) | (No Data) | 100.00 | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058264 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 131.99 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 94 | 15600.00 | 3 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 712 | 701 | 712 | 0 |
| 9058265 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.9990 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 406.08 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 4 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058267 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 52.30 | 52.30 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 283.39 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 109 | 77000.00 | 20 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 682 | 687 | 715 | 0 |
| 9058272 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Leasehold | XXXXXX | 540.47 | (No Data) | (No Data) | 300.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 106 | 49433.00 | 18 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 663 | 674 | 681 | 0 |
| 9058273 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.1250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 102.33 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 62 | 7000.00 | 7 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 638 | 665 | 654 | 0 |
| 9058275 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.2500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 230.76 | (No Data) | (No Data) | (No Data) | 66.50 | Present | XXXXXX | 1 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058277 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 465.40 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058278 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 401.88 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058279 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 410.89 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058282 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt prepd >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 71.67 | (No Data) | (No Data) | 0.00 | 1319.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 87 | 26000.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 791 | 809 | 808 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 770 | 809 | 772 | 0 |
| 9058283 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.9990 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 190.84 | (No Data) | (No Data) | (No Data) | 19.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 240 | 34870.00 | 6 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 655 | 645 | 664 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058284 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.2500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 173.42 | (No Data) | (No Data) | 70.08 | Not Applicable | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058285 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 75.58 | (No Data) | (No Data) | (No Data) | 91.67 | Present | XXXXXX | 4 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058286 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.6250 | XXXXXX | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 638.36 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 112 | 43400.00 | 4 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 745 | 770 | 763 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058288 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.7500 | XXXXXX | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 24 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | Full Appraisal | XXXXXX | 46.71 | 46.71 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 129.67 | (No Data) | (No Data) | (No Data) | 5694.09 | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058290 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.3750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 55.00 | 55.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 121.08 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 415 | 20000.00 | 6 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 750 | 770 | 760 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 750 | 743 | 758 | 0 |
| 9058291 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 59.99 | 59.99 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 72.90 | (No Data) | (No Data) | (No Data) | 200.00 | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058292 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.1250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 41.79 | 41.79 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 124.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 40 | 3000.00 | 2 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 771 | 737 | 763 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058293 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.3750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 496.42 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058294 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 74.74 | 74.74 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 86.25 | (No Data) | (No Data) | (No Data) | 48.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 102 | 75000.00 | 5 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 802 | 811 | 795 | 15586.29 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058295 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 620.00 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 140 | 35000.00 | 6 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 769 | 781 | 758 | 0 |
| 9058296 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 183.42 | (No Data) | (No Data) | 83.17 | Not Applicable | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 140 | 35000.00 | 6 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 769 | 781 | 758 | 0 |
| 9058297 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 69.85 | 69.85 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 576.26 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 62 | 70000.00 | 3 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 783 | 782 | 782 | 140911.86 |
| 9058298 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.6250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 44.07 | 44.07 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 83.25 | (No Data) | (No Data) | (No Data) | 331.64 | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058299 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.2500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 499.00 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 144 | 12500.00 | 14 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 682 | 659 | 687 | 33862.40 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058300 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 10.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 138.00 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 114 | 20300.00 | 2 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 692 | 671 | 659 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058301 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 59.00 | 59.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 173.41 | (No Data) | (No Data) | (No Data) | 200.00 | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058302 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.2500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 189.00 | (No Data) | (No Data) | (No Data) | 659.00 | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058303 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.2500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 150.33 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058305 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.2500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 162.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058306 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.2500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 150.92 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058307 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 10.1250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 59.75 | (No Data) | (No Data) | (No Data) | 236.00 | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058308 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.9990 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 210.67 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 140 | 35000.00 | 31 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 750 | 726 | 723 | 0 |
| 9058309 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 69.25 | (No Data) | (No Data) | (No Data) | 135.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 51 | 20000.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 749 | 775 | 647 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 785 | 774 | 751 | 25662.36 |
| 9058311 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.7500 | XXXXXX | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 46.73 | 46.73 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 163.10 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 617 | 25400.00 | 9 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 807 | 774 | 798 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 786 | 803 | 807 | 0 |
| 9058312 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.3750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004C Manuf (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Manufactured (Dbl) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 337.25 | (No Data) | (No Data) | (No Data) | 180.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 91 | 18000.00 | 7 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 745 | 735 | 711 | 0 |
| 9058314 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.3750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 59.05 | 59.05 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 450.31 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 310 | 39600.00 | 10 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 763 | 753 | 772 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058315 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 183.42 | (No Data) | (No Data) | (No Data) | 312.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 46 | 53712.00 | 1 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 764 | 778 | 761 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058317 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.2500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 109.92 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 32 | 40000.00 | 2 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 763 | 786 | 743 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058322 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 77.58 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 38 | 2100.00 | 7 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 661 | 589 | 736 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058323 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.2500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 142.77 | (No Data) | (No Data) | (No Data) | 89.00 | Present | XXXXXX | 1 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058324 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.6250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 313.83 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 43 | 9330.00 | 12 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 653 | 634 | 652 | 0 |
| 9058325 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.2500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 64.00 | 64.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 477.10 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 19 | 1500.00 | 3 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 724 | 740 | 695 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058327 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.3750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 95.00 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 3 | No | Present | XXXXXX | 60 | 3000.00 | 1 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | 754 | 768 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0 |
| 9058330 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 38.96 | 38.96 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 214.25 | (No Data) | (No Data) | (No Data) | 78.75 | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058331 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 40.00 | 40.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Final Title | Fee Simple | XXXXXX | 71.20 | (No Data) | (No Data) | (No Data) | 951.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 229 | 60310.00 | 5 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 783 | 783 | 775 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 799 | 812 | 797 | 0 |
| 9058332 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.6250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 67.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 457 | 40000.00 | 8 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 781 | 799 | 771 | 0 |
| 9058333 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.6250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 72.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 456 | 33800.00 | 8 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 775 | 806 | 774 | 0 |
| 9058336 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 307.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 65 | 8935.00 | 5 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 778 | 788 | 779 | 0 |
| 9058337 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.6250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 542.08 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 119 | 22800.00 | 8 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 719 | 751 | 732 | 4019.12 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058338 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.9990 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 58.30 | 58.30 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 65.75 | (No Data) | (No Data) | (No Data) | 296.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 235 | 17194.00 | 9 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 768 | 769 | 746 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058340 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | Subject to inspections w/inspections | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 165.18 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058341 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 64.45 | 64.45 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 100.07 | (No Data) | (No Data) | 124.67 | 230.00 | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058342 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.5000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 73.32 | 73.32 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 61.43 | (No Data) | (No Data) | (No Data) | 359.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 175 | 6000.00 | 10 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 745 | 790 | 740 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 799 | 793 | 758 | 0 |
| 9058343 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 54.08 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 83 | 12500.00 | 2 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 794 | 789 | 796 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058344 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 50.00 | 50.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 101.25 | (No Data) | (No Data) | (No Data) | 1566.42 | Present | XXXXXX | 2 | No | Present | XXXXXX | 276 | 16200.00 | 3 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 812 | 776 | 797 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 797 | 799 | 815 | 0 |
| 9058345 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 100.23 | (No Data) | (No Data) | 256.58 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 81 | 30500.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 782 | 765 | 757 | 0 |
| 9058348 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 126.22 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 121 | 12500.00 | 6 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 781 | 771 | 800 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 814 | 808 | 793 | 0 |
| 9058351 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.7490 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 213.58 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 47 | 45300.00 | 2 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 739 | 791 | 792 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058352 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 55.56 | 55.56 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 311.42 | (No Data) | (No Data) | 0.00 | 1859.48 | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058356 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.1250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 40.00 | (No Data) | (No Data) | (No Data) | 192.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 20 | 12100.00 | 3 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 735 | 718 | 728 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058357 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.5000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of Amt PPPD if Amt PPD > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 139.94 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 229 | 38200.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 760 | 734 | 772 | 0 |
| 9058359 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.5000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 48.73 | 48.73 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 346.71 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 176 | 13850.00 | 7 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 771 | 759 | 761 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058361 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 377.08 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 105 | 25000.00 | 5 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 716 | 700 | 708 | 0 |
| 9058362 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.6250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 263.82 | (No Data) | (No Data) | (No Data) | 8.08 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 0 | 0.00 | 0 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 748 | 790 | 776 | 0 |
| 9058363 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.7500 | XXXXXX | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 57.97 | 57.97 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 156.59 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 164 | 19000.00 | 3 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 799 | 824 | 783 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058366 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 57.69 | 57.69 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 155.58 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 154 | 29000.00 | 10 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 757 | 764 | 774 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058367 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.3750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 112.17 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 104 | 10500.00 | 3 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 709 | 717 | 712 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058369 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 69.00 | 69.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 332.58 | (No Data) | (No Data) | (No Data) | 91.67 | Present | XXXXXX | 2 | No | Present | XXXXXX | 18 | 1500.00 | 0 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 772 | 761 | 742 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058370 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 38.83 | 38.83 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 56.83 | (No Data) | (No Data) | (No Data) | 1320.30 | Present | XXXXXX | 1 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058371 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.3750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of UPB if amt ppd in 12 mos > 20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 387.44 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058372 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.3750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 90.00 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 216 | 6900.00 | 5 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 718 | 724 | 716 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058373 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.6250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 64.94 | 64.94 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 477.95 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 4 | No | Present | XXXXXX | 307 | 17200.00 | 22 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 720 | 765 | 769 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058374 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.6250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 79.05 | (No Data) | (No Data) | (No Data) | 175.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 80 | 8000.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 779 | 787 | 764 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058376 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.9990 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 179.75 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 5 | No | Present | XXXXXX | 110 | 16000.00 | 4 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 715 | 724 | 739 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058377 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.5000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 49.18 | 49.18 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 93.03 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 211 | 22000.00 | 9 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | 797 | 807 | 9836.66 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058379 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.1250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004C Manuf (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Manufactured (Dbl) | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 402.45 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 75 | 1600.00 | 21 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 755 | 757 | 757 | 8233.33 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 721 | 731 | 705 | 3029.17 |
| 9058380 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.6250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 167.10 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 106 | 31000.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 645 | 678 | 632 | 111950.92 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058381 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.5000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 46.53 | 46.53 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 201.58 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 18 | 8200.00 | 2 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 688 | 685 | 639 | 4758.63 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 676 | 702 | 714 | 2607.92 |
| 9058384 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.9990 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 52.88 | 52.88 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 187.58 | (No Data) | (No Data) | (No Data) | 10.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 44 | 14200.00 | 13 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 673 | 606 | 657 | 10112.49 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058385 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.3750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 144.75 | (No Data) | (No Data) | (No Data) | 83.33 | Present | XXXXXX | 4 | No | Present | XXXXXX | 33 | 1425.00 | 2 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 669 | 723 | 724 | 74843.08 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058386 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.2500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 180.18 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 232 | 7700.00 | 8 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 645 | 656 | 625 | 11725.30 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058389 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 59.50 | 59.50 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 159.23 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 11 | 8600.00 | 2 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 644 | 663 | 662 | 6708.85 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 697 | 673 | 701 | 7229.52 |
| 9058390 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 10.1250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004C Manuf (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Manufactured (Dbl) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 50.00 | 50.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 135.33 | (No Data) | (No Data) | 197.83 | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 352 | 2050.00 | 6 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 678 | 682 | 672 | 16883.54 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058391 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.5000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 220.92 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 6 | 5000.00 | 1 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 699 | 706 | 723 | 13780.29 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 689 | 695 | Not Applicable | 0 |
| 9058393 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.2500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 27.45 | 27.45 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 412.84 | (No Data) | (No Data) | 126.17 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 56 | 5281.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | 690 | 699 | 29345.35 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058394 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 102.25 | (No Data) | (No Data) | (No Data) | 20.83 | Present | XXXXXX | 2 | No | Present | XXXXXX | 67 | 15000.00 | 8 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 755 | 766 | 760 | 17992.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058396 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.9990 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Full Appraisal | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 205.42 | (No Data) | (No Data) | (No Data) | 245.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 113 | 13700.00 | 1 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 777 | 753 | 773 | 14968.92 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 806 | 815 | 797 | 20000 |
| 9058398 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.9990 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Rural | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Short Form Limited Final | Fee Simple | XXXXXX | 141.58 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 0 | 0.00 | 0 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 758 | 772 | 648 | 5799.73 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058399 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.5000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 137.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 61 | 17900.00 | 6 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 705 | 699 | 696 | 11464.70 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058401 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 27.45 | 27.45 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 138.05 | (No Data) | (No Data) | (No Data) | 118.33 | Present | XXXXXX | 5 | No | Present | XXXXXX | 84 | 28204.00 | 5 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 711 | 709 | 702 | 11722.56 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 785 | 791 | 767 | 0 |
| 9058404 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.9990 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 241.54 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 3 | No | Present | XXXXXX | Not Applicable | Not Applicable | 0 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 11194.40 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058405 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.1250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 82.58 | (No Data) | (No Data) | 31.83 | 745.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 195 | 3587.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 731 | 732 | 722 | 2783.67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 722 | 700 | 701 | 5548.74 |
| 9058406 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 69.39 | 69.39 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 184.83 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 137 | 5748.00 | 7 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 772 | 787 | 760 | 6095.48 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058408 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.9990 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 240.63 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 61 | 2257.00 | 2 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 722 | Not Applicable | 778 | 5739.42 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058411 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.5000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 78.72 | 78.72 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Final Title | Fee Simple | XXXXXX | 203.18 | (No Data) | (No Data) | (No Data) | 420.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 74 | 53001.00 | 5 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 783 | 747 | 768 | 33984.20 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058412 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 42.21 | 42.21 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 142.39 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 125 | 13500.00 | 5 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 776 | 735 | 734 | 36706.22 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058414 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 54.01 | 54.01 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 115.33 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 4 | No | Present | XXXXXX | 199 | 24000.00 | 11 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 707 | 685 | 724 | 12826.56 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058415 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.3750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 90.00 | 90.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 155.08 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 34 | 3650.00 | 4 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 688 | 718 | 739 | 13317.08 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058416 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.1250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 71.81 | 71.81 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 62.50 | (No Data) | (No Data) | (No Data) | 30.42 | Present | XXXXXX | 2 | No | Present | XXXXXX | 111 | 24000.00 | 6 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 770 | 774 | 789 | 6586.75 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058417 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Final Title | Fee Simple | XXXXXX | 86.08 | (No Data) | (No Data) | (No Data) | 51.50 | Present | XXXXXX | 2 | No | Present | XXXXXX | 23 | 5000.00 | 4 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 732 | 712 | 714 | 206185.29 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058418 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 95.00 | (No Data) | (No Data) | (No Data) | 77.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 63 | 8700.00 | 2 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 783 | 767 | 776 | 14758.84 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058419 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.9990 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 55.20 | 55.20 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 725.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 315 | 16600.00 | 2 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 799 | 793 | 792 | 40173.34 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058422 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 61.54 | 61.54 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 400.08 | (No Data) | (No Data) | (No Data) | 241.66 | Present | XXXXXX | 2 | No | Present | XXXXXX | 18 | 50000.00 | 17 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 674 | 662 | 687 | 25957.15 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 712 | 715 | 707 | 25957.15 |
| 9058424 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.9990 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | Full Appraisal | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 1364.29 | (No Data) | (No Data) | 0.00 | 11176.65 | Present | XXXXXX | 2 | No | Present | XXXXXX | 66 | 29500.00 | 9 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 701 | 724 | 747 | 254686.61 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 726 | 733 | 760 | 254686.61 |
| 9058426 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 102.08 | (No Data) | (No Data) | 0.00 | 1423.34 | Present | XXXXXX | 1 | No | Present | XXXXXX | 103 | 24700.00 | 5 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 718 | 715 | 722 | 11268.70 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058428 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.6250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 133.25 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 5 | No | Present | XXXXXX | 87 | 6000.00 | 4 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 754 | 772 | 751 | 3120.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 772 | Not Applicable | 760 | 1993.33 |
| 9058429 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.8750 | XXXXXX | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Full Appraisal | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 1128.25 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 174186.46 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058431 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 27.50 | 27.50 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 269.25 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 319 | 17213.00 | 2 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 767 | 777 | 786 | 6957.58 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058434 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.1250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 65.79 | 65.79 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 106.50 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 5 | No | Present | XXXXXX | 195 | 38800.00 | 7 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 746 | 729 | 676 | 6173.67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058436 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 90.00 | 90.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 230.10 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 26 | 4600.00 | 3 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 737 | 729 | 714 | 13997.55 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 751 | 771 | 760 | 4178.83 |
| 9058438 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 9.6250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004C Manuf (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Manufactured (Dbl) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 49.75 | 49.75 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 116.33 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 263 | 10800.00 | 7 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 647 | 633 | 656 | 9352.20 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058439 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.6250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 85.00 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 34 | 10000.00 | 1 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 732 | 695 | 714 | 7276.67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058442 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.6250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 90.00 | 90.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 212.90 | (No Data) | (No Data) | (No Data) | 66.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 124 | 7000.00 | 8 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 783 | 791 | 757 | 13013.02 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058443 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 7.6250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 280.34 | (No Data) | (No Data) | (No Data) | 333.33 | Present | XXXXXX | 4 | No | Present | XXXXXX | 146 | 44000.00 | 5 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 785 | 778 | 793 | 28504.33 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |
| 9058446 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 6.6250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 338.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 264 | 29000.00 | 12 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 771 | 804 | 805 | 24323.17 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 756 | 749 | 793 | 11735.31 |
| 9058447 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 8.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 89.99 | 89.99 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 154.58 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 118 | 13000.00 | 9 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 714 | 716 | 709 | 18001.67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 |

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| **Loan Number** | **Current Balance** | **Current P&I** | **Representative Credit Score** | **Total Monthly Income** | **Total Remaining Gross Monthly Income** | **DTI (Front)** | **DTI (Back)** | **Total Monthly Expenses** | **Primary Residence Expense** | **Total Assets** | **Effective Amount (Assets Used)** | **Liquid Assets** | **Total Cash Required From Borrower** | **Cash Reserves** | **Months PITI Reserves** | **Months PITI Reserves (Qual Rate)** | **Qualification Method** | **Qualifying Rate** | **Qualifying P&I** | **DTI Qualifying (Front)** | **DTI Qualifying (Back)** | **Loan Doc Type** | **AUS Underwritten** | **What AUS Was Used** | **AUS Grade** | **HUD 1 Status** | **Disbursement Date** | **Good Faith Estimate Status** | **ROR Status** | **Early TIL Status** | **Corrected TIL Status** | **Final TIL Status** | **Active Material Exceptions** | **Active Non-Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **General Comments** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Grade** | **Final Securitization Compliance Grade** | **Initial S&P Compliance Grade** | **Final S&P Compliance Grade** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Appraiser First Name** | **Appraiser Last Name** | **Appraiser Certification/License #** |
| 9082715 | XXXXXX | (No Data) | 754 | XXXXXX | XXXXXX | 0 | 0 | 8863.18 | 2949.17 | XXXXXX | XXXXXX | 774024.48 | XXXXXX | XXXXXX | 404.74 | 404.74 | Fully Amortized | 7.250 | 1258.62 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A B | A D | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9082696 | XXXXXX | (No Data) | 794 | XXXXXX | XXXXXX | 0 | 0 | 10894.18 | 2894 | XXXXXX | XXXXXX | 456037.05 | XXXXXX | XXXXXX | 100.93 | 100.93 | Fully Amortized | 7.250 | 3103.91 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A B | A C | A B | A | DSCR - w/lease agreement - Short-Term Rental | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9082728 | XXXXXX | (No Data) | 740 | XXXXXX | XXXXXX | 0 | 0 | 10119.56 | 4084 | XXXXXX | XXXXXX | 165876.03 | XXXXXX | XXXXXX | 22.89 | 22.89 | Fully Amortized | 7.500 | 2662.61 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075230 | XXXXXX | (No Data) | 792 | XXXXXX | XXXXXX | 26.01 | 48.95 | 14258.82 | 7576.21 | XXXXXX | XXXXXX | 1394074 | XXXXXX | XXXXXX | 153.67 | 153.67 | Fully Amortized | 7.000 | 6120.79 | 26.01 | 48.95 | Asset Utilization | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D A | A D | D A | A | Business Tax Return - 12 months | Business Tax Return - 12 months | Paystub - 12 months;<br> W2 - 12 months | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075236 | XXXXXX | (No Data) | 716 | XXXXXX | XXXXXX | 14.27 | 37.18 | 8452.25 | 3243.92 | XXXXXX | XXXXXX | 61861.38 | XXXXXX | XXXXXX | 6.12 | 6.12 | Fully Amortized | 7.625 | 2654.23 | 14.27 | 37.18 | 12 Mth Bank Stmts | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A B | A D | A B | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075240 | XXXXXX | (No Data) | 740 | XXXXXX | XXXXXX | 17.66 | 43.54 | 15709.22 | 6371.4 | XXXXXX | XXXXXX | 118952.78 | XXXXXX | XXXXXX | 121.49 | 121.49 | Fully Amortized | 7.875 | 2969.89 | 17.66 | 43.54 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075243 | XXXXXX | (No Data) | 727 | XXXXXX | XXXXXX | 15.86 | 39.76 | 6647.67 | 2651.48 | XXXXXX | XXXXXX | 58367.87 | XXXXXX | XXXXXX | 19.48 | 19.48 | Qualifying Rate, Fully Amortized | 7.625 | 2307.41 | 15.86 | 39.76 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075248 | XXXXXX | (No Data) | 802 | XXXXXX | XXXXXX | 15.64 | 34.1 | 7442.5 | 3412.92 | XXXXXX | XXXXXX | 416619.24 | XXXXXX | XXXXXX | 25.39 | 25.39 | Fully Amortized | 7.500 | 6768.40 | 15.64 | 34.1 | 12 Mth Business Bank Stmts | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075250 | XXXXXX | (No Data) | 668 | XXXXXX | XXXXXX | 0 | 0 | 1893.86 | 0 | XXXXXX | XXXXXX | 97928.66 | XXXXXX | XXXXXX | 12.62 | 12.62 | Fully Amortized | 9.750 | 1473.45 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075257 | XXXXXX | (No Data) | 742 | XXXXXX | XXXXXX | 24.11 | 45.14 | 12336.03 | 6590.33 | XXXXXX | XXXXXX | 176354.92 | XXXXXX | XXXXXX | 6.93 | 6.93 | Fully Amortized | 7.750 | 4441.76 | 24.11 | 45.14 | 12 Mth Business Bank Stmts | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075260 | XXXXXX | (No Data) | 812 | XXXXXX | XXXXXX | 46.36 | 46.36 | 2271.94 | 2271.94 | XXXXXX | XXXXXX | 264562.34 | XXXXXX | XXXXXX | 83.56 | 83.56 | Qualifying Rate, Fully Amortized | 7.250 | 1811.87 | 46.36 | 46.36 | Asset Utilization | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A B | A C | A B | A | Award Letter - 12 months;<br> Personal Bank Statements - 6 months | Award Letter - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075263 | XXXXXX | (No Data) | 717 | XXXXXX | XXXXXX | 0 | 0 | 3361.7 | 1214 | XXXXXX | XXXXXX | 115745.45 | XXXXXX | XXXXXX | 100.94 | 100.94 | Fully Amortized | 7.500 | 874.02 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - 12 Months | DSCR - w/lease agreement - 12 Months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075266 | XXXXXX | (No Data) | 817 | XXXXXX | XXXXXX | 27.04 | 34.06 | 7060.2 | 5605.69 | XXXXXX | XXXXXX | 346438.51 | XXXXXX | XXXXXX | 8.75 | 8.75 | Fully Amortized | 6.750 | 4540.19 | 27.04 | 34.06 | 12 Mth Business Bank Stmts | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Eligible DU/DO AUS Only | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075267 | XXXXXX | (No Data) | 785 | XXXXXX | XXXXXX | 0 | 19.37 | 1738.58 | 0 | XXXXXX | XXXXXX | 144129.97 | XXXXXX | XXXXXX | 21.43 | 21.43 | Qualifying Rate, Fully Amortized | 7.625 | 2208.32 | 0 | 19.37 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | IRS Transcripts – Tax Return(s) - 12 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075271 | XXXXXX | (No Data) | 749 | XXXXXX | XXXXXX | 0 | 0 | 948.76 | 0 | XXXXXX | XXXXXX | 108130.46 | XXXXXX | XXXXXX | 75.71 | 75.71 | Fully Amortized | 7.875 | 725.07 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075273 | XXXXXX | (No Data) | 762 | XXXXXX | XXXXXX | 0 | 0 | 2899.51 | 0 | XXXXXX | XXXXXX | 1387034.87 | XXXXXX | XXXXXX | 543.49 | 543.49 | I/O Amount | 7.000 | 2156.75 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075276 | XXXXXX | (No Data) | 811 | XXXXXX | XXXXXX | 0 | 0 | 7994.58 | 0 | XXXXXX | XXXXXX | 382454.91 | XXXXXX | XXXXXX | 4.18 | 4.18 | Fully Amortized | 6.875 | 5298.14 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075282 | XXXXXX | (No Data) | 756 | XXXXXX | XXXXXX | 2.69 | 8.67 | 10081.46 | 3128.37 | XXXXXX | XXXXXX | 415590.97 | XXXXXX | XXXXXX | 22.34 | 22.34 | Fully Amortized | 6.625 | 2113.03 | 2.69 | 8.67 | 12 Mth Business Bank Stmts | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 180 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075283 | XXXXXX | (No Data) | 792 | XXXXXX | XXXXXX | 29.49 | 35.64 | 3008.19 | 2489.19 | XXXXXX | XXXXXX | 66729.79 | XXXXXX | XXXXXX | 7.9 | 7.90 | Fully Amortized | 6.625 | 2128.40 | 29.49 | 35.64 | Alt Doc - 1 yr 1099 | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | 1099 - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075285 | XXXXXX | (No Data) | 708 | XXXXXX | XXXXXX | 14.05 | 35.68 | 25624.58 | 10092.01 | XXXXXX | XXXXXX | 493234.35 | XXXXXX | XXXXXX | 26.86 | 26.86 | Qualifying Rate, Fully Amortized | 7.500 | 8067.52 | 14.05 | 35.68 | 12 Mth Business Bank Stmts | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D A | A D | D A | A | Business Bank Statements - 12 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075286 | XXXXXX | (No Data) | 747 | XXXXXX | XXXXXX | 28.48 | 39.16 | 5504.58 | 4003.36 | XXXXXX | XXXXXX | 80718 | XXXXXX | XXXXXX | 6.73 | 6.73 | Qualifying Rate, Fully Amortized | 9.375 | 3484.62 | 28.48 | 39.16 | 12 Mth Business Bank Stmts | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | C A | A D | C A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075287 | XXXXXX | (No Data) | 763 | XXXXXX | XXXXXX | 3.37 | 14.29 | 9004.64 | 2121 | XXXXXX | XXXXXX | 382728.53 | XXXXXX | XXXXXX | 54.62 | 54.62 | Fully Amortized | 7.625 | 3454.04 | 3.37 | 14.29 | 12 Mth Business Bank Stmts | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075288 | XXXXXX | (No Data) | 795 | XXXXXX | XXXXXX | 0 | 0 | 9007.89 | 2338 | XXXXXX | XXXXXX | 296857.8 | XXXXXX | XXXXXX | 19.23 | 19.23 | Fully Amortized | 7.750 | 4980.50 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A | A C | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075290 | XXXXXX | (No Data) | 755 | XXXXXX | XXXXXX | 8.11 | 26.65 | 3287.89 | 1000 | XXXXXX | XXXXXX | 161821.6 | XXXXXX | XXXXXX | 40.03 | 40.03 | Fully Amortized | 6.750 | 1867.97 | 8.11 | 26.65 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A B | A D | A B | A | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075292 | XXXXXX | (No Data) | 777 | XXXXXX | XXXXXX | 0 | 0 | 6853.58 | 2699 | XXXXXX | XXXXXX | 230547.94 | XXXXXX | XXXXXX | 66.3 | 66.30 | Fully Amortized | 7.625 | 2919.65 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - Month-to-Month | DSCR - w/lease agreement - Month-to-Month | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075293 | XXXXXX | (No Data) | 796 | XXXXXX | XXXXXX | 0 | 0 | 5981.22 | 1877 | XXXXXX | XXXXXX | 444414.69 | XXXXXX | XXXXXX | 83.23 | 83.23 | Fully Amortized | 7.000 | 2183.86 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075294 | XXXXXX | (No Data) | 791 | XXXXXX | XXXXXX | 11.24 | 20.41 | 3666.89 | 2019.47 | XXXXXX | XXXXXX | 401020.78 | XXXXXX | XXXXXX | 51.88 | 51.88 | Fully Amortized | 7.875 | 3262.82 | 11.24 | 20.41 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A B | A D | A B | A | (No Data) | Paystub - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075297 | XXXXXX | (No Data) | 798 | XXXXXX | XXXXXX | 25.77 | 38.47 | 17672.9 | 11839.28 | XXXXXX | XXXXXX | 77015.76 | XXXXXX | XXXXXX | 44.96 | 44.96 | Fully Amortized | 7.750 | 1834.02 | 25.77 | 38.47 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A | A C | A | A | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 7 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075298 | XXXXXX | (No Data) | 798 | XXXXXX | XXXXXX | 24.79 | 37.08 | 17030.95 | 11388.86 | XXXXXX | XXXXXX | 275988.85 | XXXXXX | XXXXXX | 80.08 | 80.08 | Qualifying Rate, Fully Amortized | 7.750 | 1834.02 | 24.79 | 37.08 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 2 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075299 | XXXXXX | (No Data) | 794 | XXXXXX | XXXXXX | 2.39 | 38.54 | 13593.16 | 842.05 | XXXXXX | XXXXXX | 3884722.29 | XXXXXX | XXXXXX | 265.54 | 265.54 | Qualifying Rate, Fully Amortized | 7.500 | 9884.10 | 2.39 | 38.54 | Full 12 Month | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 30 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075304 | XXXXXX | (No Data) | 745 | XXXXXX | XXXXXX | 5.11 | 19.15 | 10544.51 | 2813.31 | XXXXXX | XXXXXX | 161309.79 | XXXXXX | XXXXXX | 35.42 | 35.42 | Fully Amortized | 7.375 | 1989.15 | 5.11 | 19.15 | 24 Mth Business Bank Stmts | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A | A B | A | A | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075305 | XXXXXX | (No Data) | 776 | XXXXXX | XXXXXX | 16.85 | 20.81 | 14000.2 | 11332.2 | XXXXXX | XXXXXX | 461949.79 | XXXXXX | XXXXXX | 14.75 | 14.75 | Fully Amortized | 7.250 | 9277.60 | 16.85 | 20.81 | 12 Mth Business Bank Stmts | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C A | A C | C A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075306 | XXXXXX | (No Data) | 794 | XXXXXX | XXXXXX | 17.34 | 33.71 | 3321.88 | 1709.04 | XXXXXX | XXXXXX | 166763.2 | XXXXXX | XXXXXX | 24.64 | 24.64 | Fully Amortized | 7.375 | 2817.96 | 17.34 | 33.71 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A | A C | A | A | Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075308 | XXXXXX | (No Data) | 769 | XXXXXX | XXXXXX | 0.4 | 4.33 | 71775.54 | 6700.99 | XXXXXX | XXXXXX | 1084466.8 | XXXXXX | XXXXXX | 118.73 | 118.73 | Qualifying Rate, Fully Amortized | 7.375 | 7735.57 | 0.4 | 4.33 | 12 Mth Business Bank Stmts | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075311 | XXXXXX | (No Data) | 731 | XXXXXX | XXXXXX | 10.77 | 48.65 | 16218.86 | 3590.51 | XXXXXX | XXXXXX | 467578.56 | XXXXXX | XXXXXX | 11.83 | 11.83 | Fully Amortized | 7.000 | 4051.70 | 10.77 | 48.65 | 12 Mth Business Bank Stmts | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075313 | XXXXXX | (No Data) | 779 | XXXXXX | XXXXXX | 0 | 0 | 4411.31 | 2023.43 | XXXXXX | XXXXXX | 3014795.84 | XXXXXX | XXXXXX | 1293.97 | 1293.97 | Fully Amortized | 6.875 | 2233.56 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A | A C | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075317 | XXXXXX | (No Data) | 684 | XXXXXX | XXXXXX | 0 | 0 | 3156.11 | 0 | XXXXXX | XXXXXX | 49353.25 | XXXXXX | XXXXXX | 3.75 | 3.75 | Fully Amortized | 9.250 | 1296.69 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A B | A C | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075319 | XXXXXX | (No Data) | 802 | XXXXXX | XXXXXX | 0 | 0 | 2282.57 | 0 | XXXXXX | XXXXXX | 245871 | XXXXXX | XXXXXX | 109.05 | 109.05 | Fully Amortized | 7.125 | 1738.20 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075322 | XXXXXX | (No Data) | 713 | XXXXXX | XXXXXX | 0 | 0 | 5670.99 | 2365 | XXXXXX | XXXXXX | 148437.45 | XXXXXX | XXXXXX | 27.51 | 27.51 | I/O Amount | 7.000 | 1834.00 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075323 | XXXXXX | (No Data) | 779 | XXXXXX | XXXXXX | 7.48 | 32.11 | 23555.81 | 5489.34 | XXXXXX | XXXXXX | 57729.48 | XXXXXX | XXXXXX | 21.62 | 19.78 | Custom Qual. P&I | (No Data) | 2066.76 | 7.48 | 32.4 | 12 Mth Business Bank Stmts | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 70 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075324 | XXXXXX | (No Data) | 763 | XXXXXX | XXXXXX | 0 | 0 | 3939.95 | 1549.41 | XXXXXX | XXXXXX | 25723.4 | XXXXXX | XXXXXX | 10.33 | 10.33 | Fully Amortized | 7.375 | 1424.52 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075325 | XXXXXX | (No Data) | 764 | XXXXXX | XXXXXX | 0 | 0 | 7262.18 | 2289 | XXXXXX | XXXXXX | 236574.06 | XXXXXX | XXXXXX | 14.39 | 14.39 | Fully Amortized | 6.875 | 3468.59 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - 6 Months | DSCR - w/lease agreement - 6 Months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075326 | XXXXXX | (No Data) | 804 | XXXXXX | XXXXXX | 0 | 0 | 3763.55 | 1247 | XXXXXX | XXXXXX | 255968.98 | XXXXXX | XXXXXX | 147.03 | 147.03 | Fully Amortized | 7.250 | 955.05 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A B | N/A D | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075330 | XXXXXX | (No Data) | 759 | XXXXXX | XXXXXX | 4.26 | 41.01 | 28788.3 | 2990.62 | XXXXXX | XXXXXX | 318460.95 | XXXXXX | XXXXXX | 21.83 | 21.83 | Fully Amortized | 7.125 | 4017.05 | 4.26 | 41.01 | 12 Mth Business Bank Stmts | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075334 | XXXXXX | (No Data) | 767 | XXXXXX | XXXXXX | 0 | 0 | 10641.69 | 2367 | XXXXXX | XXXXXX | 262000 | XXXXXX | XXXXXX | 101.75 | 101.75 | I/O Amount | 7.750 | 1689.50 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075337 | XXXXXX | (No Data) | 782 | XXXXXX | XXXXXX | 24.53 | 47.56 | 37452.13 | 19314.43 | XXXXXX | XXXXXX | 594939.94 | XXXXXX | XXXXXX | 10.89 | 10.89 | Fully Amortized | 7.000 | 17507.53 | 24.53 | 47.56 | 12 Mth Business Bank Stmts | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | C A | A D | C A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075338 | XXXXXX | (No Data) | 802 | XXXXXX | XXXXXX | 0 | 0 | 4049.86 | 0 | XXXXXX | XXXXXX | 496832.82 | XXXXXX | XXXXXX | 123.44 | 123.44 | Qualifying Rate, Fully Amortized | 7.000 | 3459.58 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075340 | XXXXXX | (No Data) | 804 | XXXXXX | XXXXXX | 10.2 | 28.11 | 9216.15 | 3343.47 | XXXXXX | XXXXXX | 1701519.15 | XXXXXX | XXXXXX | 359.04 | 359.04 | Qualifying Rate, Fully Amortized | 7.250 | 3416.34 | 10.2 | 28.11 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075342 | XXXXXX | (No Data) | 742 | XXXXXX | XXXXXX | 0 | 0 | 2165.47 | 0 | XXXXXX | XXXXXX | 93263.07 | XXXXXX | XXXXXX | 109.79 | 109.79 | Fully Amortized | 7.375 | 690.68 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075345 | XXXXXX | (No Data) | 803 | XXXXXX | XXXXXX | 11.73 | 48.67 | 9159.23 | 2206.68 | XXXXXX | XXXXXX | 1745478.01 | XXXXXX | XXXXXX | 494.21 | 494.21 | Fully Amortized | 7.375 | 2873.21 | 11.73 | 48.67 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | (No Data) | Paystub - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075346 | XXXXXX | (No Data) | 790 | XXXXXX | XXXXXX | 16.16 | 26.05 | 5471.37 | 3392.89 | XXXXXX | XXXXXX | 755270.12 | XXXXXX | XXXXXX | 291.28 | 291.28 | Fully Amortized | 6.750 | 1790.14 | 16.16 | 26.05 | 12 Mth Bank Stmts | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075347 | XXXXXX | (No Data) | 792 | XXXXXX | XXXXXX | 44.61 | 49.69 | 2444.59 | 2194.54 | XXXXXX | XXXXXX | 200541.53 | XXXXXX | XXXXXX | 91.38 | 91.38 | Fully Amortized | 6.875 | 1720.17 | 44.61 | 49.69 | 24 Mth Business Bank Stmts | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Eligible DU/DO AUS Only | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B A | B A | B | Business Bank Statements - 25 months;<br> CPA Letter - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075349 | XXXXXX | (No Data) | 766 | XXXXXX | XXXXXX | 0 | 0 | 16480.12 | 8480.56 | XXXXXX | XXXXXX | 170006.46 | XXXXXX | XXXXXX | 16.84 | 16.84 | Fully Amortized | 7.500 | 8558.39 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A | A B | A | A | DSCR - w/lease agreement - 12 Months | DSCR - w/lease agreement - 12 Months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075350 | XXXXXX | (No Data) | 788 | XXXXXX | XXXXXX | 7.69 | 9.28 | 2710.42 | 2247.42 | XXXXXX | XXXXXX | 765712.41 | XXXXXX | XXXXXX | 292.69 | 292.69 | Fully Amortized | 7.625 | 1769.49 | 7.69 | 9.28 | 12 Mth Business Bank Stmts | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Eligible DU/DO AUS Only | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075351 | XXXXXX | (No Data) | 758 | XXXXXX | XXXXXX | 0 | 0 | 7233.57 | 3895.74 | XXXXXX | XXXXXX | 200530.84 | XXXXXX | XXXXXX | 61.77 | 61.77 | Fully Amortized | 7.500 | 1538.28 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075352 | XXXXXX | (No Data) | 792 | XXXXXX | XXXXXX | 0 | 0 | 4275.04 | 0 | XXXXXX | XXXXXX | 216677.95 | XXXXXX | XXXXXX | 17.77 | 17.77 | I/O Amount | 6.750 | 2622.38 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9075353 | XXXXXX | (No Data) | 696 | XXXXXX | XXXXXX | 0 | 0 | 4667.7 | 1579 | XXXXXX | XXXXXX | 17472.76 | XXXXXX | XXXXXX | 6.07 | 6.07 | Fully Amortized | 8.125 | 2255.07 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9082716 | XXXXXX | (No Data) | 774 | XXXXXX | XXXXXX | 18.53 | 19.13 | 1304.56 | 1263.56 | XXXXXX | XXXXXX | 82072.2 | XXXXXX | XXXXXX | 26.8 | 26.80 | Fully Amortized | 6.990 | 1111.27 | 18.53 | 19.13 | 12 Mth Business Bank Stmts | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Eligible DU/DO AUS Only | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9082717 | XXXXXX | (No Data) | 786 | XXXXXX | XXXXXX | 27.27 | 49.48 | 12598.38 | 6942.5 | XXXXXX | XXXXXX | 370510.21 | XXXXXX | XXXXXX | 34.45 | 34.45 | Fully Amortized | 7.625 | 5835.76 | 27.27 | 49.48 | 12 Mth Business Bank Stmts | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9082718 | XXXXXX | (No Data) | 809 | XXXXXX | XXXXXX | 39.12 | 39.65 | 4059.76 | 4005.76 | XXXXXX | XXXXXX | 143510.34 | XXXXXX | XXXXXX | 6.47 | 6.47 | Qualifying Rate, Fully Amortized | 6.875 | 3205.82 | 39.12 | 39.65 | P&L | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | CPA Letter - 24 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9082699 | XXXXXX | (No Data) | 756 | XXXXXX | XXXXXX | 40.31 | 48.87 | 7301.36 | 6023.03 | XXXXXX | XXXXXX | 468810.15 | XXXXXX | XXXXXX | 31.2 | 31.20 | Qualifying Rate, Fully Amortized | 6.625 | 5109.69 | 40.31 | 48.87 | Full 12 Month | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9082700 | XXXXXX | (No Data) | 808 | XXXXXX | XXXXXX | 18.77 | 23.62 | 5365.88 | 4263.53 | XXXXXX | XXXXXX | 331237.59 | XXXXXX | XXXXXX | 12.47 | 12.47 | Fully Amortized | 6.375 | 3244.13 | 18.77 | 23.62 | 12 Mth Business Bank Stmts | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9082701 | XXXXXX | (No Data) | 740 | XXXXXX | XXXXXX | 40.86 | 49.85 | 17744.02 | 14545.02 | XXXXXX | XXXXXX | 759638.78 | XXXXXX | XXXXXX | 33.59 | 33.59 | Fully Amortized | 6.875 | 11535.67 | 40.86 | 49.85 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9082702 | XXXXXX | (No Data) | 759 | XXXXXX | XXXXXX | 2.8 | 2.83 | 2986.96 | 2961.96 | XXXXXX | XXXXXX | 170809.23 | XXXXXX | XXXXXX | 17.15 | 17.15 | Qualifying Rate, Fully Amortized | 7.125 | 2283.91 | 2.8 | 2.83 | 12 Mth Business Bank Stmts | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9082730 | XXXXXX | (No Data) | 801 | XXXXXX | XXXXXX | 25.95 | 44.54 | 6884.73 | 4010.83 | XXXXXX | XXXXXX | 283245.25 | XXXXXX | XXXXXX | 36 | 36.00 | Qualifying Rate, Fully Amortized | 6.750 | 1880.94 | 25.95 | 44.54 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9082719 | XXXXXX | (No Data) | 726 | XXXXXX | XXXXXX | 21.11 | 42.27 | 7860.96 | 3926.59 | XXXXXX | XXXXXX | 193911.05 | XXXXXX | XXXXXX | 18.39 | 18.39 | Qualifying Rate, Fully Amortized | 7.500 | 2564.37 | 21.11 | 42.27 | 12 Mth Business Bank Stmts | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058259 | XXXXXX | (No Data) | 692 | XXXXXX | XXXXXX | 0 | 0 | 6807.14 | 0 | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.750 | 5459.07 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058260 | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | 0 | 0 | 5120.63 | 0 | XXXXXX | XXXXXX | 520837.91 | XXXXXX | XXXXXX | 101.71 | 101.71 | Fully Amortized | 8.250 | 3884.05 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058261 | XXXXXX | (No Data) | 775 | XXXXXX | XXXXXX | 29.79 | 33.93 | 4307.63 | 3782.1 | XXXXXX | XXXXXX | 279184.37 | XXXXXX | XXXXXX | 10.76 | 10.76 | Fully Amortized | 8.125 | 4751.99 | 29.79 | 33.93 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D B | A B | A D B | A B | A | CPA Letter - 36 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058262 | XXXXXX | (No Data) | 657 | XXXXXX | XXXXXX | 0 | 0 | 1474.01 | 0 | XXXXXX | XXXXXX | 5500 | XXXXXX | XXXXXX | 0.3 | 0.30 | Fully Amortized | 12.999 | 1161.43 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058263 | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | 0 | 0 | 2671.81 | 0 | XXXXXX | XXXXXX | 155139.06 | XXXXXX | XXXXXX | 0.51 | 0.51 | Fully Amortized | 6.875 | 1466.27 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058264 | XXXXXX | (No Data) | 712 | XXXXXX | XXXXXX | 0 | 0 | 1287.03 | 0 | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 8.750 | 991.25 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058265 | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | 0 | 0 | 3905.94 | 0 | XXXXXX | XXXXXX | 128182.89 | XXXXXX | XXXXXX | 4.18 | 4.18 | Fully Amortized | 8.999 | 2715.36 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058267 | XXXXXX | (No Data) | 687 | XXXXXX | XXXXXX | 0 | 0 | 4214.86 | 0 | XXXXXX | XXXXXX | 1208.21 | XXXXXX | XXXXXX | 0.29 | 0.29 | Fully Amortized | 6.750 | 2951.13 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058272 | XXXXXX | (No Data) | 716 | XXXXXX | XXXXXX | 0 | 0 | 11083.01 | 0 | XXXXXX | XXXXXX | 120000 | XXXXXX | XXXXXX | 10.83 | 10.83 | Fully Amortized | 7.750 | 8725.91 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058273 | XXXXXX | (No Data) | 654 | XXXXXX | XXXXXX | 0 | 0 | 1975.03 | 0 | XXXXXX | XXXXXX | 36229.87 | XXXXXX | XXXXXX | 18.34 | 18.34 | Fully Amortized | 8.125 | 1544.40 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058275 | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | 0 | 0 | 2076.29 | 0 | XXXXXX | XXXXXX | 4504.22 | XXXXXX | XXXXXX | 2.17 | 2.17 | Fully Amortized | 7.250 | 1169.94 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058277 | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | 0 | 0 | 2202.31 | 0 | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.750 | 1362.06 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058278 | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | 0 | 0 | 3186.76 | 0 | XXXXXX | XXXXXX | 293042.69 | XXXXXX | XXXXXX | 91.96 | 91.96 | Fully Amortized | 6.750 | 2054.76 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058279 | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | 0 | 0 | 2554.29 | 0 | XXXXXX | XXXXXX | 229574.26 | XXXXXX | XXXXXX | 89.88 | 89.88 | Fully Amortized | 6.750 | 1630.58 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058282 | XXXXXX | (No Data) | 808 | XXXXXX | XXXXXX | 0 | 0 | 6704.55 | 0 | XXXXXX | XXXXXX | 250967.66 | XXXXXX | XXXXXX | 4.01 | 4.01 | Fully Amortized | 7.750 | 4486.54 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058283 | XXXXXX | (No Data) | 655 | XXXXXX | XXXXXX | 0 | 0 | 1174.37 | 0 | XXXXXX | XXXXXX | 65098.4 | XXXXXX | XXXXXX | 2.76 | 2.76 | Fully Amortized | 8.999 | 889.03 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058284 | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | 0 | 0 | 4004.24 | 0 | XXXXXX | XXXXXX | 331657.16 | XXXXXX | XXXXXX | 26.94 | 26.94 | Fully Amortized | 7.250 | 3414.30 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058285 | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | 0 | 0 | 2198.47 | 0 | XXXXXX | XXXXXX | 216101.97 | XXXXXX | XXXXXX | 29.69 | 29.69 | Fully Amortized | 6.875 | 1466.27 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058286 | XXXXXX | (No Data) | 763 | XXXXXX | XXXXXX | 0 | 0 | 7385.24 | 0 | XXXXXX | XXXXXX | 516315.82 | XXXXXX | XXXXXX | 25.44 | 25.44 | Qualifying Rate | 7.625 | 6381.17 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058288 | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | 0 | 0 | 30227.19 | 0 | XXXXXX | XXXXXX | 2230000 | XXXXXX | XXXXXX | 0.03 | 0.02 | Fully Amortized | 7.750 | 19375.00 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A B | A D | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058290 | XXXXXX | (No Data) | 760 | XXXXXX | XXXXXX | 0 | 0 | 5997.85 | 0 | XXXXXX | XXXXXX | 648805.42 | XXXXXX | XXXXXX | 108.17 | 108.17 | Fully Amortized | 8.375 | 5116.81 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058291 | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | 0 | 0 | 2185.6 | 0 | XXXXXX | XXXXXX | 204278.25 | XXXXXX | XXXXXX | 36.91 | 36.91 | Fully Amortized | 6.750 | 1492.10 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058292 | XXXXXX | (No Data) | 763 | XXXXXX | XXXXXX | 0 | 0 | 2348.28 | 0 | XXXXXX | XXXXXX | 8291.7 | XXXXXX | XXXXXX | 3.49 | 3.49 | Fully Amortized | 7.125 | 1731.46 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058293 | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | 0 | 0 | 5475.38 | 0 | XXXXXX | XXXXXX | 438178.93 | XXXXXX | XXXXXX | 80.03 | 80.03 | Fully Amortized | 8.375 | 3527.50 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058294 | XXXXXX | (No Data) | 802 | XXXXXX | XXXXXX | 2.14 | 29.61 | 4615.23 | 333.49 | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.875 | 2243.75 | 2.14 | 29.61 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | C A | A C | C A | A | P & L - 18 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058295 | XXXXXX | (No Data) | 762 | XXXXXX | XXXXXX | 0 | 0 | 4683.32 | 0 | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.750 | 3113.28 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058296 | XXXXXX | (No Data) | 762 | XXXXXX | XXXXXX | 0 | 0 | 3765.98 | 0 | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.750 | 2510.08 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058297 | XXXXXX | (No Data) | 782 | XXXXXX | XXXXXX | 2.01 | 9.52 | 13410.61 | 2831 | XXXXXX | XXXXXX | 222826.16 | XXXXXX | XXXXXX | 21.31 | 21.31 | Fully Amortized | 6.750 | 9015.52 | 2.01 | 9.52 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058298 | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | 0 | 0 | 2125.07 | 0 | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.625 | 1142.96 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058299 | XXXXXX | (No Data) | 682 | XXXXXX | XXXXXX | 0 | 20.78 | 7038.28 | 0 | XXXXXX | XXXXXX | 155512.16 | XXXXXX | XXXXXX | 2.44 | 2.44 | Fully Amortized | 8.250 | 6761.40 | 0 | 20.78 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 48 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058300 | XXXXXX | (No Data) | 671 | XXXXXX | XXXXXX | 0 | 0 | 1287.58 | 0 | XXXXXX | XXXXXX | 90422.16 | XXXXXX | XXXXXX | 70.23 | 70.23 | Fully Amortized | 10.875 | 980.61 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058301 | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | 0 | 0 | 5074.45 | 0 | XXXXXX | XXXXXX | 858566.08 | XXXXXX | XXXXXX | 102.13 | 102.13 | Fully Amortized | 6.750 | 3477.79 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058302 | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | 0 | 0 | 9022.58 | 0 | XXXXXX | XXXXXX | 933300.14 | XXXXXX | XXXXXX | 103.44 | 103.44 | Fully Amortized | 8.250 | 6836.53 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058303 | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | 0 | 0 | 4385.87 | 0 | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 8.250 | 3164.34 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058305 | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | 0 | 0 | 4064.55 | 0 | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 8.250 | 2827.40 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058306 | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | 0 | 0 | 4435.38 | 0 | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 8.250 | 3164.34 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058307 | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | 0 | 0 | 1985.8 | 0 | XXXXXX | XXXXXX | 79572.92 | XXXXXX | XXXXXX | 0.76 | 0.76 | Fully Amortized | 10.125 | 1582.98 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058308 | XXXXXX | (No Data) | 726 | XXXXXX | XXXXXX | 0 | 0 | 3374.61 | 0 | XXXXXX | XXXXXX | 53874.17 | XXXXXX | XXXXXX | 1.85 | 1.85 | Fully Amortized | 6.999 | 2980.26 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058309 | XXXXXX | (No Data) | 774 | XXXXXX | XXXXXX | 9.69 | 27.52 | 7063.34 | 2486 | XXXXXX | XXXXXX | 182880.49 | XXXXXX | XXXXXX | 28.5 | 28.50 | Fully Amortized | 7.750 | 2607.75 | 9.69 | 27.52 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | (No Data) | CPA Letter - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058311 | XXXXXX | (No Data) | 803 | XXXXXX | XXXXXX | 0 | 0 | 3503.92 | 0 | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.750 | 2812.50 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058312 | XXXXXX | (No Data) | 735 | XXXXXX | XXXXXX | 0 | 0 | 1911.38 | 0 | XXXXXX | XXXXXX | 124737.71 | XXXXXX | XXXXXX | 65.26 | 65.26 | Fully Amortized | 8.375 | 1094.51 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A B | N/A D | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058314 | XXXXXX | (No Data) | 763 | XXXXXX | XXXXXX | 0 | 0 | 5826.25 | 0 | XXXXXX | XXXXXX | 481625.01 | XXXXXX | XXXXXX | 8.06 | 8.06 | Fully Amortized | 7.375 | 4282.19 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058315 | XXXXXX | (No Data) | 764 | XXXXXX | XXXXXX | 0 | 0 | 1596.41 | 0 | XXXXXX | XXXXXX | 89414.64 | XXXXXX | XXXXXX | 31.87 | 31.87 | Fully Amortized | 8.875 | 891.13 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058317 | XXXXXX | (No Data) | 763 | XXXXXX | XXXXXX | 0 | 0 | 8831.48 | 0 | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 8.250 | 7691.10 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A B | A D | A B | A | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058322 | XXXXXX | (No Data) | 661 | XXXXXX | XXXXXX | 0 | 0 | 2295.29 | 0 | XXXXXX | XXXXXX | 283329.39 | XXXXXX | XXXXXX | 85.57 | 85.57 | Fully Amortized | 8.750 | 1858.58 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058323 | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | 0 | 0 | 2947.1 | 0 | XXXXXX | XXXXXX | 167896.01 | XXXXXX | XXXXXX | 23.74 | 23.74 | Fully Amortized | 8.250 | 2310.15 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058324 | XXXXXX | (No Data) | 652 | XXXXXX | XXXXXX | 0 | 0 | 5098.58 | 0 | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 8.625 | 4170.90 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058325 | XXXXXX | (No Data) | 724 | XXXXXX | XXXXXX | 0 | 0 | 4612.81 | 0 | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.250 | 3053.96 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058327 | XXXXXX | (No Data) | Not Applicable | XXXXXX | XXXXXX | 0 | 0 | 2615.87 | 0 | XXXXXX | XXXXXX | 199219.3 | XXXXXX | XXXXXX | 10.45 | 10.45 | Fully Amortized | 8.375 | 2065.12 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058330 | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | 0 | 0 | 1911.41 | 0 | XXXXXX | XXXXXX | 262602.59 | XXXXXX | XXXXXX | 9.63 | 9.63 | Fully Amortized | 6.875 | 985.40 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058331 | XXXXXX | (No Data) | 799 | XXXXXX | XXXXXX | 0 | 0 | 4095.86 | 0 | XXXXXX | XXXXXX | 540886.27 | XXXXXX | XXXXXX | 27.77 | 27.77 | Fully Amortized | 6.750 | 2075.52 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A | A C | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058332 | XXXXXX | (No Data) | 781 | XXXXXX | XXXXXX | 0 | 0 | 1349 | 0 | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.625 | 1030.91 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058333 | XXXXXX | (No Data) | 781 | XXXXXX | XXXXXX | 0 | 0 | 1391.34 | 0 | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.625 | 1012.98 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A B | N/A D | N/A B | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058336 | XXXXXX | (No Data) | 779 | XXXXXX | XXXXXX | 0 | 0 | 5958.11 | 0 | XXXXXX | XXXXXX | 245679.65 | XXXXXX | XXXXXX | 14.36 | 14.36 | Fully Amortized | 8.750 | 5097.82 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058337 | XXXXXX | (No Data) | 732 | XXXXXX | XXXXXX | 10.98 | 44.8 | 1800.4 | 441.26 | XXXXXX | XXXXXX | 676673.89 | XXXXXX | XXXXXX | 156.95 | 156.95 | Fully Amortized | 6.625 | 2281.11 | 10.98 | 44.8 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058338 | XXXXXX | (No Data) | 768 | XXXXXX | XXXXXX | 0 | 0 | 1404.64 | 0 | XXXXXX | XXXXXX | 1457.5 | XXXXXX | XXXXXX | 0.5 | 0.50 | Fully Amortized | 6.999 | 969.59 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058340 | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | 0 | 0 | 2420.76 | 0 | XXXXXX | XXXXXX | 120156.19 | XXXXXX | XXXXXX | 0.7 | 0.70 | Fully Amortized | 7.750 | 1880.59 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058341 | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | 0 | 0 | 2590.12 | 0 | XXXXXX | XXXXXX | 135288 | XXXXXX | XXXXXX | 0.91 | 0.91 | Fully Amortized | 6.750 | 1513.18 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058342 | XXXXXX | (No Data) | 793 | XXXXXX | XXXXXX | 0 | 0 | 1349.64 | 0 | XXXXXX | XXXXXX | 53978.02 | XXXXXX | XXXXXX | 4.07 | 4.07 | Fully Amortized | 8.500 | 789.29 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058343 | XXXXXX | (No Data) | 794 | XXXXXX | XXXXXX | 0 | 0 | 5410.86 | 0 | XXXXXX | XXXXXX | 338712.84 | XXXXXX | XXXXXX | 12.35 | 12.35 | Fully Amortized | 7.750 | 4388.03 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058344 | XXXXXX | (No Data) | 799 | XXXXXX | XXXXXX | 0 | 0 | 4946.42 | 0 | XXXXXX | XXXXXX | 481532.34 | XXXXXX | XXXXXX | 8.83 | 8.83 | Fully Amortized | 6.875 | 3038.30 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058345 | XXXXXX | (No Data) | 765 | XXXXXX | XXXXXX | 0 | 0 | 1978.91 | 0 | XXXXXX | XXXXXX | 9836.12 | XXXXXX | XXXXXX | 4.97 | 4.97 | Fully Amortized | 6.875 | 1570.39 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058348 | XXXXXX | (No Data) | 808 | XXXXXX | XXXXXX | 0 | 0 | 7400.73 | 0 | XXXXXX | XXXXXX | 290226.73 | XXXXXX | XXXXXX | 3.13 | 3.13 | Fully Amortized | 7.750 | 6179.06 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058351 | XXXXXX | (No Data) | 791 | XXXXXX | XXXXXX | 0 | 0 | 2122.75 | 0 | XXXXXX | XXXXXX | 94067.16 | XXXXXX | XXXXXX | 4.78 | 4.78 | Fully Amortized | 6.749 | 1459.20 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058352 | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | 0 | 0 | 8402.95 | 0 | XXXXXX | XXXXXX | 606576.76 | XXXXXX | XXXXXX | 72.19 | 72.19 | Fully Amortized | 6.875 | 4926.97 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058356 | XXXXXX | (No Data) | 728 | XXXXXX | XXXXXX | 0 | 0 | 1546.06 | 0 | XXXXXX | XXXXXX | 207698.43 | XXXXXX | XXXXXX | 90.42 | 90.42 | Fully Amortized | 9.125 | 1098.41 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058357 | XXXXXX | (No Data) | 760 | XXXXXX | XXXXXX | 0 | 0 | 7266.84 | 0 | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 8.500 | 5997.53 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D B | N/A B | N/A D B | N/A B | N/A | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058359 | XXXXXX | (No Data) | 761 | XXXXXX | XXXXXX | 0 | 0 | 5565.38 | 0 | XXXXXX | XXXXXX | 19376.21 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.500 | 4487.69 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058361 | XXXXXX | (No Data) | 708 | XXXXXX | XXXXXX | 0 | 0 | 1559.13 | 0 | XXXXXX | XXXXXX | 85190.27 | XXXXXX | XXXXXX | 26.59 | 26.59 | Fully Amortized | 7.750 | 974.33 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058362 | XXXXXX | (No Data) | 776 | XXXXXX | XXXXXX | 0 | 0 | 4093.48 | 0 | XXXXXX | XXXXXX | 178990.52 | XXXXXX | XXXXXX | 0.06 | 0.06 | Fully Amortized | 7.625 | 2919.65 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A B | N/A D | N/A B | N/A | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058363 | XXXXXX | (No Data) | 799 | XXXXXX | XXXXXX | 0 | 0 | 3174.72 | 0 | XXXXXX | XXXXXX | 311160.41 | XXXXXX | XXXXXX | 3.98 | 3.79 | Fully Amortized | 6.750 | 2413.43 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058366 | XXXXXX | (No Data) | 764 | XXXXXX | XXXXXX | 0 | 0 | 2719.09 | 0 | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.750 | 2432.25 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058367 | XXXXXX | (No Data) | 712 | XXXXXX | XXXXXX | 0 | 0 | 1676.03 | 0 | XXXXXX | XXXXXX | 116146.32 | XXXXXX | XXXXXX | 41.93 | 41.93 | Fully Amortized | 9.375 | 1230.99 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D C | A | A D C | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058369 | XXXXXX | (No Data) | 761 | XXXXXX | XXXXXX | 0 | 0 | 4553.53 | 0 | XXXXXX | XXXXXX | 419150.86 | XXXXXX | XXXXXX | 41.62 | 41.62 | Fully Amortized | 6.750 | 3266.99 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058370 | XXXXXX | (No Data) | Not Applicable | XXXXXX | XXXXXX | 0 | 0 | 3237.36 | 0 | XXXXXX | XXXXXX | 321857.49 | XXXXXX | XXXXXX | 5.55 | 5.55 | Fully Amortized | 6.875 | 1313.86 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058371 | XXXXXX | (No Data) | (No Data) | XXXXXX | XXXXXX | 0 | 0 | 6105.59 | 0 | XXXXXX | XXXXXX | 830106.13 | XXXXXX | XXXXXX | 80.72 | 80.72 | Fully Amortized | 8.375 | 4718.15 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058372 | XXXXXX | (No Data) | 718 | XXXXXX | XXXXXX | 0 | 0 | 1281.63 | 0 | XXXXXX | XXXXXX | 44444.05 | XXXXXX | XXXXXX | 8.51 | 8.51 | Fully Amortized | 9.375 | 868.35 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058373 | XXXXXX | (No Data) | 765 | XXXXXX | XXXXXX | 0 | 0 | 3870.14 | 0 | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.625 | 2831.18 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058374 | XXXXXX | (No Data) | 779 | XXXXXX | XXXXXX | 0 | 0 | 3038.11 | 0 | XXXXXX | XXXXXX | 230034.06 | XXXXXX | XXXXXX | 23.9 | 23.90 | Fully Amortized | 6.625 | 2308.33 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058376 | XXXXXX | (No Data) | 724 | XXXXXX | XXXXXX | 0 | 0 | 4736.76 | 0 | XXXXXX | XXXXXX | 91149.29 | XXXXXX | XXXXXX | 19.24 | 19.24 | Fully Amortized | 6.999 | 3492.49 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058377 | XXXXXX | (No Data) | 797 | XXXXXX | XXXXXX | 22.39 | 23.48 | 2494.98 | 2379.98 | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.500 | 1896.21 | 22.39 | 23.48 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D A | A D | D A | A | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058379 | XXXXXX | (No Data) | 757 | XXXXXX | XXXXXX | 22.44 | 37.6 | 4234.55 | 2527.55 | XXXXXX | XXXXXX | 2515.58 | XXXXXX | XXXXXX | 1 | 1.00 | Fully Amortized | 9.125 | 2065.01 | 22.44 | 37.6 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D A | A D | D A | A | Verbal VOE with Income - 26 months | Verbal VOE with Income - 26 months;<br> W2 - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058380 | XXXXXX | (No Data) | 645 | XXXXXX | XXXXXX | 3.28 | 5.47 | 6118.21 | 3671.21 | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 8.625 | 2994.50 | 3.28 | 5.47 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | CPA Letter without Income - 60 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058381 | XXXXXX | (No Data) | 685 | XXXXXX | XXXXXX | 41.88 | 42.73 | 3147.87 | 3084.87 | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 7.500 | 2342.37 | 41.88 | 42.73 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D B A | A D | D B A | A | Award Letter - 12 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 3 months;<br> W2 - 24 months | Personal Bank Statements - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058384 | XXXXXX | (No Data) | 657 | XXXXXX | XXXXXX | 19.03 | 42.48 | 4296.03 | 1924.03 | XXXXXX | XXXXXX | 5000 | XXXXXX | XXXXXX | 2.57 | 2.57 | Fully Amortized | 9.999 | 1322.39 | 19.03 | 42.48 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | CPA Letter without Income - 60 months;<br> P & L Only - 13 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058385 | XXXXXX | (No Data) | 723 | XXXXXX | XXXXXX | 5.96 | 10.32 | 7726.59 | 4463.53 | XXXXXX | XXXXXX | 131352.16 | XXXXXX | XXXXXX | 7.38 | 7.38 | Fully Amortized | 9.375 | 3027.57 | 5.96 | 10.32 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 48 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058386 | XXXXXX | (No Data) | 645 | XXXXXX | XXXXXX | 35.32 | 49.84 | 5843.86 | 4141.08 | XXXXXX | XXXXXX | 3586.02 | XXXXXX | XXXXXX | 0.41 | 0.41 | Fully Amortized | 9.250 | 3311.27 | 35.32 | 49.84 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C B | C B A | B C A | C B A | B | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058389 | XXXXXX | (No Data) | 697 | XXXXXX | XXXXXX | 27.1 | 38.4 | 5351.82 | 3776.82 | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 8.875 | 3301.93 | 27.1 | 38.4 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058390 | XXXXXX | (No Data) | 678 | XXXXXX | XXXXXX | 9.31 | 18.71 | 3158.53 | 1571.53 | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 10.125 | 1183.91 | 9.31 | 18.71 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058391 | XXXXXX | (No Data) | 706 | XXXXXX | XXXXXX | 28.35 | 28.72 | 3957.35 | 3907.35 | XXXXXX | XXXXXX | 234580 | XXXXXX | XXXXXX | 4.4 | 4.40 | Fully Amortized | 8.500 | 3048.75 | 28.35 | 28.72 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | CPA Letter without Income - 84 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058393 | XXXXXX | (No Data) | 690 | XXXXXX | XXXXXX | 14.29 | 27.71 | 8132.25 | 4192.42 | XXXXXX | XXXXXX | 6452.62 | XXXXXX | XXXXXX | 1.54 | 1.54 | Fully Amortized | 7.250 | 2387.62 | 14.29 | 27.71 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058394 | XXXXXX | (No Data) | 760 | XXXXXX | XXXXXX | 18.2 | 25.74 | 4630.52 | 3274.19 | XXXXXX | XXXXXX | 106586.38 | XXXXXX | XXXXXX | 7.93 | 7.93 | Fully Amortized | 8.875 | 2887.80 | 18.2 | 25.74 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | CPA Letter without Income - 36 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058396 | XXXXXX | (No Data) | 806 | XXXXXX | XXXXXX | 43.06 | 43.06 | 15896.62 | 15896.62 | XXXXXX | XXXXXX | 816424.45 | XXXXXX | XXXXXX | 31.05 | 31.05 | Fully Amortized | 6.999 | 14708.03 | 43.06 | 43.06 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Paystub - 1 months;<br> Written VOE - 24 months | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058398 | XXXXXX | (No Data) | 758 | XXXXXX | XXXXXX | 37.5 | 37.5 | 2174.67 | 2174.67 | XXXXXX | XXXXXX | 83163.96 | XXXXXX | XXXXXX | 3.47 | 3.47 | Fully Amortized | 7.999 | 1760.87 | 37.5 | 37.5 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | CPA Letter - 72 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058399 | XXXXXX | (No Data) | 699 | XXXXXX | XXXXXX | 34.65 | 42.97 | 4926.65 | 3972.65 | XXXXXX | XXXXXX | 150482.95 | XXXXXX | XXXXXX | 32.85 | 32.85 | Fully Amortized | 8.500 | 3056.44 | 34.65 | 42.97 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | C A | A D | C A | A | Business Bank Statements - 12 months;<br> CPA Letter - 60 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058401 | XXXXXX | (No Data) | 709 | XXXXXX | XXXXXX | 23.89 | 42.61 | 4995.33 | 2800.33 | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.875 | 2299.26 | 23.89 | 42.61 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058404 | XXXXXX | (No Data) | Not Applicable | XXXXXX | XXXXXX | 20 | 20 | 2238.99 | 2238.99 | XXXXXX | XXXXXX | 145230.17 | XXXXXX | XXXXXX | 6.1 | 6.10 | Fully Amortized | 8.999 | 1657.78 | 20 | 20 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Business Tax Return - 24 months;<br> CPA Letter without Income - 24 months;<br> P & L - 13 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058405 | XXXXXX | (No Data) | 701 | XXXXXX | XXXXXX | 26.04 | 30.61 | 2550.65 | 2169.65 | XXXXXX | XXXXXX | 45386.61 | XXXXXX | XXXXXX | 0.37 | 0.37 | Fully Amortized | 9.125 | 1031.28 | 26.04 | 30.61 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | Paystub - 1 months;<br> W2 - 12 months | CPA Letter - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058406 | XXXXXX | (No Data) | 772 | XXXXXX | XXXXXX | 40.72 | 50.71 | 3091.26 | 2482.26 | XXXXXX | XXXXXX | 35896.66 | XXXXXX | XXXXXX | 10.79 | 10.79 | Fully Amortized | 6.750 | 2205.24 | 40.72 | 50.71 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C B | C B A | A C B | C B A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 48 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058408 | XXXXXX | (No Data) | 722 | XXXXXX | XXXXXX | 30.36 | 42.5 | 2439.22 | 1742.22 | XXXXXX | XXXXXX | 69247.7 | XXXXXX | XXXXXX | 7.3 | 7.30 | Fully Amortized | 8.999 | 1357.68 | 30.36 | 42.5 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058411 | XXXXXX | (No Data) | 768 | XXXXXX | XXXXXX | 33.01 | 46.53 | 15811.84 | 11218.1 | XXXXXX | XXXXXX | 172104.43 | XXXXXX | XXXXXX | 15.31 | 15.31 | Fully Amortized | 6.500 | 9702.25 | 33.01 | 46.53 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D C | C B | A D C | C B | A | Business Bank Statements - 12 months;<br> CPA Letter - 48 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058412 | XXXXXX | (No Data) | 735 | XXXXXX | XXXXXX | 6.7 | 10.81 | 3968.02 | 2460.16 | XXXXXX | XXXXXX | 1926.25 | XXXXXX | XXXXXX | 0.78 | 0.78 | Fully Amortized | 6.750 | 1686.36 | 6.7 | 10.81 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | CPA Letter - 30 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058414 | XXXXXX | (No Data) | 707 | XXXXXX | XXXXXX | 22.23 | 49.93 | 6403.81 | 2851.45 | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 6.875 | 2430.64 | 22.23 | 49.93 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058415 | XXXXXX | (No Data) | 718 | XXXXXX | XXXXXX | 25.74 | 36.26 | 4829.06 | 3428.06 | XXXXXX | XXXXXX | 82309.97 | XXXXXX | XXXXXX | 9.18 | 9.18 | Fully Amortized | 9.375 | 3069.16 | 25.74 | 36.26 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A B | A C | A B | A | CPA Letter without Income - 120 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058416 | XXXXXX | (No Data) | 774 | XXXXXX | XXXXXX | 33.79 | 46.83 | 3084.44 | 2225.44 | XXXXXX | XXXXXX | 79716.19 | XXXXXX | XXXXXX | 17.89 | 17.89 | Fully Amortized | 8.125 | 1891.15 | 33.79 | 46.83 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B A | B A | B | Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058417 | XXXXXX | (No Data) | 714 | XXXXXX | XXXXXX | 1.35 | 2.11 | 4343.07 | 2788.07 | XXXXXX | XXXXXX | 138034.54 | XXXXXX | XXXXXX | 12.32 | 12.32 | Fully Amortized | 8.875 | 2428.71 | 1.35 | 2.11 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B A | B A | B | Business Bank Statements - 12 months;<br> CPA Letter - 42 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058418 | XXXXXX | (No Data) | 776 | XXXXXX | XXXXXX | 29.46 | 33.13 | 4890.03 | 4348.03 | XXXXXX | XXXXXX | 223768.26 | XXXXXX | XXXXXX | 22.99 | 22.99 | Fully Amortized | 7.750 | 3719.62 | 29.46 | 33.13 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | P & L Only - 25 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058419 | XXXXXX | (No Data) | 793 | XXXXXX | XXXXXX | 41.27 | 41.5 | 16673.21 | 16581.21 | XXXXXX | XXXXXX | 1883340 | XXXXXX | XXXXXX | 31 | 31.00 | Fully Amortized | 6.999 | 11475.31 | 41.27 | 41.5 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Paystub - 1 months;<br> Personal Bank Statements - 2 months;<br> W2 - 12 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058422 | XXXXXX | (No Data) | 674 | XXXXXX | XXXXXX | 10.48 | 27.21 | 14126.72 | 5440.02 | XXXXXX | XXXXXX | 318169.26 | XXXXXX | XXXXXX | 58.49 | 58.49 | Fully Amortized | 6.875 | 3941.58 | 10.48 | 27.21 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C B | C B A | A C B | C B A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 168 months | Business Bank Statements - 12 months;<br> CPA Letter without Income - 168 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058424 | XXXXXX | (No Data) | 724 | XXXXXX | XXXXXX | 10.14 | 16.42 | 83652.62 | 51648.65 | XXXXXX | XXXXXX | 2601245.18 | XXXXXX | XXXXXX | 4.62 | 4.62 | Fully Amortized | 6.999 | 31565.42 | 10.14 | 16.42 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D B | D B A | A D B | D B A | A | Business Bank Statements - 12 months;<br> CPA Letter - 147 months | Business Bank Statements - 12 months;<br> CPA Letter - 147 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058426 | XXXXXX | (No Data) | 718 | XXXXXX | XXXXXX | 38.5 | 48.87 | 5506.9 | 4337.9 | XXXXXX | XXXXXX | 108657.57 | XXXXXX | XXXXXX | 11.01 | 11.01 | Fully Amortized | 8.750 | 2297.17 | 38.5 | 48.87 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | C B A | B D A | C B A | B | Business Bank Statements - 12 months;<br> CPA Letter - 132 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058428 | XXXXXX | (No Data) | 754 | XXXXXX | XXXXXX | 48.19 | 50.29 | 2571.3 | 2464.3 | XXXXXX | XXXXXX | 166478.02 | XXXXXX | XXXXXX | 16.49 | 16.49 | Fully Amortized | 7.625 | 2176.47 | 48.19 | 50.29 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C A | A C | C A | A | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 40 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 57 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058429 | XXXXXX | (No Data) | Not Applicable | XXXXXX | XXXXXX | 0 | 18.73 | 32629.25 | 0 | XXXXXX | XXXXXX | 3520072 | XXXXXX | XXXXXX | 120.35 | 114.66 | Fully Amortized | 6.875 | 13594.68 | 0 | 19.24 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 19 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058431 | XXXXXX | (No Data) | 777 | XXXXXX | XXXXXX | 48.41 | 49.75 | 3461.44 | 3368.02 | XXXXXX | XXXXXX | 8859.14 | XXXXXX | XXXXXX | 0.61 | 0.61 | Fully Amortized | 6.750 | 2497.11 | 48.41 | 49.75 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058434 | XXXXXX | (No Data) | 729 | XXXXXX | XXXXXX | 30.25 | 39.75 | 2453.78 | 1867.78 | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 9.125 | 1525.57 | 30.25 | 39.75 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 72 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058436 | XXXXXX | (No Data) | 729 | XXXXXX | XXXXXX | 39.34 | 44.58 | 8102.22 | 7150.22 | XXXXXX | XXXXXX | 240411.86 | XXXXXX | XXXXXX | 21.51 | 21.51 | Fully Amortized | 7.750 | 5931.90 | 39.34 | 44.58 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C B | C B A | A C B | C B A | A | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058438 | XXXXXX | (No Data) | 647 | XXXXXX | XXXXXX | 20.79 | 28.89 | 2701.92 | 1943.92 | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 0 | 0.00 | Fully Amortized | 9.625 | 1712.73 | 20.79 | 28.89 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058439 | XXXXXX | (No Data) | 714 | XXXXXX | XXXXXX | 23.86 | 42.64 | 3102.94 | 1735.93 | XXXXXX | XXXXXX | 110157.29 | XXXXXX | XXXXXX | 33.64 | 33.64 | Fully Amortized | 7.625 | 1472.22 | 23.86 | 42.64 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058442 | XXXXXX | (No Data) | 783 | XXXXXX | XXXXXX | 37.63 | 45.03 | 5859.55 | 4896.55 | XXXXXX | XXXXXX | 86424.61 | XXXXXX | XXXXXX | 5.96 | 5.96 | Fully Amortized | 8.625 | 3955.07 | 37.63 | 45.03 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C B | C B A | A C B | C B A | A | CPA Letter - 48 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058443 | XXXXXX | (No Data) | 785 | XXXXXX | XXXXXX | 37.65 | 48.16 | 13727.23 | 10730.9 | XXXXXX | XXXXXX | 536674.78 | XXXXXX | XXXXXX | 27.21 | 27.21 | Fully Amortized | 7.625 | 9114.62 | 37.65 | 48.16 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058446 | XXXXXX | (No Data) | 804 | XXXXXX | XXXXXX | 30.94 | 44.9 | 16191.85 | 11156.85 | XXXXXX | XXXXXX | 363108.51 | XXXXXX | XXXXXX | 3.83 | 3.83 | Fully Amortized | 6.625 | 8989.97 | 30.94 | 44.9 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Personal Bank Statements - 12 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9058447 | XXXXXX | (No Data) | 714 | XXXXXX | XXXXXX | 31.31 | 41.26 | 7428.13 | 5636.13 | XXXXXX | XXXXXX | 126596.61 | XXXXXX | XXXXXX | 9.42 | 9.42 | Fully Amortized | 8.750 | 4778.42 | 31.31 | 41.26 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |

---

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | SAN 2026-NQMS1 |
| **Start - End Dates:** | 7/2/2025 - 10/15/2025 |
| **Deal Loan Count:** | 188 |
| **Valuations Summary** |  |
| *Loans In Report:* | *188* |

---

---

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| | | |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** |
| 9082715 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9082696 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9082728 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9075230 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9075236 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9075240 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9075243 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 9075248 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 9075250 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9075257 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9075260 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9075263 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9075266 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 9075267 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9075271 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9075273 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9075276 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9075282 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 9075283 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9075285 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.3 |
| 9075286 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9075287 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9075288 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9075290 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 9075292 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9075293 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9075294 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9075297 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9075298 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9075299 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 9075304 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9075305 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| 9075306 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9075308 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 9075311 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9075313 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9075317 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9075319 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9075322 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9075323 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 9075324 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9075325 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9075326 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9075330 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9075334 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9075337 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 9075338 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.9 |
| 9075340 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 9075342 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 9075345 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9075346 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 9075347 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9075349 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9075350 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 9075351 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9075352 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 9075353 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 9082716 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9082717 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9082718 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 9082699 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9082700 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 9082701 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 9082702 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 9082730 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 9082719 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058259 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058260 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058261 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 9058262 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 9058263 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058264 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058265 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058267 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058272 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 9058273 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058275 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 9058277 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058278 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 9058279 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058282 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058283 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 9058284 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058285 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058286 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 9058288 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058290 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 9058291 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058292 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 9058293 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058294 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 9058295 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058296 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058297 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058298 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058299 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058300 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058301 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058302 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058303 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058305 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058306 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058307 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058308 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058309 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058311 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058312 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058314 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058315 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058317 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 9058322 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058323 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058324 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058325 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058327 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058330 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058331 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 9058332 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 9058333 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058336 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058337 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 9058338 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058340 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058341 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058342 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 9058343 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 9058344 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058345 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058348 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058351 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058352 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 9058356 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058357 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058359 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058361 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058362 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 9058363 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058366 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058367 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058369 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 9058370 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058371 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058372 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058373 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058374 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058376 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058377 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058379 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058380 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058381 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058384 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058385 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058386 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058389 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058390 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058391 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058393 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058394 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058396 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058398 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058399 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058401 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058404 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058405 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058406 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058408 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 9058411 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 9058412 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 9058414 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058415 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058416 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058417 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 9058418 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 9058419 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 9058422 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058424 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058426 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 9058428 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058429 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058431 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058434 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058436 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058438 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058439 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058442 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058443 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9058446 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9058447 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |

---

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **SAN 2026-NQMS1** |
| **Start - End Dates:** | **7/2/2025 - 10/15/2025** |
| **Deal Loan Count:** | **188** |
| **Waived Conditions Summary** | **Waived Conditions Summary** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Terms/Guidelines | CRDTER110 | Loan amount exceeds guideline maximum | 1 |
| Credit | Terms/Guidelines | CRDTER3122 | Loan documents do not meet guideline requirements | 2 |
| Credit | Terms/Guidelines | CRDTER3256 | Seller contributions exceed guideline requirements | 1 |
| Credit | Terms/Guidelines | CRDTER4631 | Loan parameters do not meet guidelines | 4 |
| Credit | Terms/Guidelines | CRDTER4643 | Borrower does not meet guideline requirements | 3 |
| Credit | Terms/Guidelines | CRDTER5785 | SG Capital Delivery Restrictions -1 | 3 |
| Credit | Terms/Guidelines | CRDTER881 | Minimum square footage does not meet guidelines | 1 |
| Credit | Credit/Mtg History | CRDCRMH104 | Credit score below guidelines | 1 |
| Credit | Credit/Mtg History | CRDCRMH123 | No evidence of required debt payoff | 1 |
| Credit | Credit/Mtg History | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | 2 |
| Credit | Credit/Mtg History | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | 2 |
| Credit | Credit/Mtg History | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | 7 |
| Credit | LTV/CLTV | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | 7 |
| Credit | LTV/CLTV | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | 5 |
| Credit | Income/Employment | CRDINC150 | Income docs do not meet guidelines | 2 |
| Credit | Income/Employment | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | 1 |
| Credit | Income/Employment | CRDINC889 | Income is Not Reasonable | 1 |
| Credit | Insurance | CRDINSR3792 | Insurance policy missing Rent Loss/Business Interruption coverage | 1 |
| Credit | Assets | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | 2 |
| Credit | Assets | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | 5 |
| Property Valuations | Property | PRVAPROP241 | Property Type unacceptable under guidelines | 1 |
| Property Valuations | Appraisal | PRVAAPPR175 | Missing Review Appraisal required per guidelines | 1 |
| Compliance | State Consumer Protection | CMPSTCP1151 | SC Home Loans - Broker 'Amounts Earned' Disclosure not in file | 2 |
| Compliance | State Consumer Protection | CMPSTCP2129 | MD Counseling Notice not in file | 1 |
| Compliance | State Rate Spread | CMPSRS1206 | CT Non-Prime, First Mortgage Disclosure Missing | 1 |
| **Total** |  |  |  | **58** |

---

©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.6

**Exhibit 99.6**

![](tm264825d35_ex99-6img002.jpg)

Executive Summary

SAN 2026-NQMS1

**(1)** Type of Assets.

Covius Real Estate Services, LLC ("CRES") performed the due diligence services described below on behalf of SG Capital Partners LLC (the "Client"). The loans were originated by multiple Correspondent Sellers and acquired directly (or indirectly) by Santander Bank, N.A through Reliance Letters. The loan reviews were conducted in June and July of 2025 by CRES.

**(2)** Number of Assets.

There were 2 assets in the loan population.

**(3)** Review Process.

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Global Methodology And Assumptions: Assessing Pools Of Residential Loans, Jan. 25, 2019<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Global Methodology And Assumptions: Assessing Pools Of Residential Loans-U.S. And Canada Supplement, Feb 21, 2025 |
| &nbsp;&nbsp;Moody's Ratings | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· US Residential Mortgage-backed Securitizations, dated August 20, 2025 |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· U.S. RMBS Rating Criteria dated October 01, 2025 |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Third-Party Due-Diligence and Representations & Warranties Criteria for U.S. RMBS Transactions dated April 30, 2026 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· US RMBS Rating Methodology, dated December 7, 2023 |

---

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

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

The due diligence review was conducted on 100% of the loan population and consisted of 2 mortgage loans with an aggregate original principal balance of approximately $493,250. The mortgage loans originated in June and July of 2025.

Page 1 of 8

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

**(5)** Asset Review

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

**Credit Review and Methodology**

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

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

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

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

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

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

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

Page 2 of 8

**Leases and Market Rents (DSCR Loans):** Reviewed lease agreements and third-party market rent documents to confirm compliance with Debt-Service-Coverage-Ratio requirements. Note, the documentation that can be used to establish market rents can vary from lender to lender. CRES reviews the market rent source, to ensure compliance with applicable guidelines. In some cases, lenders may not require proof of market rents, if a sourced payment history can be provided along with the lease agreement.

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

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

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

**Property Valuation Review and Methodology**

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

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

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

Page 3 of 8

**Compliance Review Methodology**

The reviewed loan was classified as "business purpose". In such cases compliance TILA and Regulation Z requirements were not tested, as the law's provisions do not apply to an extension of credit if primarily for business or a commercial purpose (12 C.F.R. §1026.3(a); 15 U.S.C. § 1603).

Compliance testing was limited to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· A review of the Note and Mortgage for accuracy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review of Occupancy and Business Purpose Certifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· State and Federal High Cost and Higher-Priced

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Cook County High-Cost Ordinance

Note that CRES determines the mortgage loan's status under the ATR or QM rule requirements and assigns a proper due diligence mortgage loan designation that is solely based on the documentation available at the time of the review. The reviewed loan was classified as Not Covered/Exempt: Loans that are not covered by the rule.

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

 

---

| | | |
|:---|:---|:---|
| | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | &nbsp;&nbsp;&nbsp;**Percentage of Population** |
| &nbsp;&nbsp;**Investment/Business Purpose Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Initial Application Date prior to October 3, 2015** | &nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**CRES Level II TRID Review** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;0.00% |

---

 

**Document Review**

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

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

· Asset documentation.

· Business Purpose Certification (if applicable)

· Changed circumstance documentation.

· Credit report.

· FACTA disclosures.

· Final 1003.

· Final HUD-1/Closing Disclosure(s).

· Hazard and/or flood insurance policies.

· HUD from sale of previous residence.

· Homeownership counseling organizations disclosure.

· Income and employment documentation.

· Initial and final GFE's.

· Initial application (1003).

· Initial escrow disclosure.

· Initial TIL.

· Leases

· Loan Estimate(s).

· Market Rent supporting documentation

· Mortgage Insurance.

· Mortgage/Deed of Trust.

· Note.

· Notice of Special Flood Hazards.

· Sales contract.

· Tangible Net Benefit Disclosure.

· Title/Preliminary Title.

· Written List of Service Providers.

Page 4 of 8

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

**(6)** Tape Data Compare

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

---

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

---

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

Of the 2 mortgage loans reviewed, one unique mortgage loans had at least one tape discrepancy across 21 data fields (one mortgage loan had more than one data discrepancy). The following table discloses the number of data discrepancies noted by field name. Note, tape data was not provided on certain field compare values. The fields in which tape data was not available is noted below; however, a data discrepancy was not counted if the seller failed to provide a compare value.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Compare** | &nbsp;&nbsp;**Discrepancy: No** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Discrepancy: Yes** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;DSCR\* | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Note Date\* | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;P&I Payment | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;QM Type\* | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. |
| &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% |

---

Page 5 of 8

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

**(7)** Credit, Compliance and Property Valuation Results Credit Results
Summary

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | 100.00% |
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**2** | **100.00%** |

---

**Compliance Results Summary**

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**2** | **100.00%** |

---

**Property Valuation Results Summary**

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**2** | **100.00%** |

---

**Overall Results Summary**

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | 100.00% |
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**2** | **100.00%** |

---

Page 6 of 8

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

**(8)** Pool Stratification Summary

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | 100.00% |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**2** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Arm** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Fixed** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | 100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**2** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Owner Occupied** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Non-Owner Occupied** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | 100.00% |
| &nbsp;&nbsp;**Second Home** | 0 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**2** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Purchase** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 50.00% |
| &nbsp;&nbsp;**Refi - Cash Out** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 50.00% |
| &nbsp;&nbsp;**Rate Term Refi** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**2** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Single Family** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | 100.00% |
| &nbsp;&nbsp;**2-4 Family** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**PUD** | 0 | 0.00% |
| &nbsp;&nbsp;**Condo** | 0 | 0.00% |
| &nbsp;&nbsp;**Co-op** | 0 | 0.00% |
| &nbsp;&nbsp;**Commercial** | 0 | 0.00% |
| &nbsp;&nbsp;**Townhome** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**2** | **100.00%** |
| &nbsp;&nbsp;**Debt to Income** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**0-9.99%\*** | 0 | 0.00% |
| &nbsp;&nbsp;**10%-19.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**20%-29.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**30%-39.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**40%-49.99%** | 1 | 100.00% |
| &nbsp;&nbsp;**50%-60.00%** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **1** | **100.00%** |
| **One loan in the pool was underwritten to a Debt Service Coverage Ratio ("DSCR") program.** | **One loan in the pool was underwritten to a Debt Service Coverage Ratio ("DSCR") program.** | **One loan in the pool was underwritten to a Debt Service Coverage Ratio ("DSCR") program.** |

---

Page 7 of 8

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DSCR Loans** | **Count** | **Percentage** |
| &nbsp;&nbsp;**<0 or** | 0 | 0.00% |
| &nbsp;&nbsp;**0-0.1999** | 0 | 0.00% |
| &nbsp;&nbsp;**0.2-0.3999** | 0 | 0.00% |
| &nbsp;&nbsp;**0.4-0.5999** | 0 | 0.00% |
| &nbsp;&nbsp;**0.6-0.7999** | 0 | 0.00% |
| &nbsp;&nbsp;**0.8-.9999** | 0 | 0.00% |
| &nbsp;&nbsp;**1-1.1999** | 1 | 100.00% |
| &nbsp;&nbsp;**1.2-1.3999** | 0 | 0.00% |
| &nbsp;&nbsp;**1.4-1.5999** | 0 | 0.00% |
| &nbsp;&nbsp;**1.6-1.7999** | 0 | 0.00% |
| &nbsp;&nbsp;**1.8-1.9999** | 0 | 0.00% |
| &nbsp;&nbsp;**=>2** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan to Value** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**10%-19.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**20%-29.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**30%-39.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**40%-49.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**50%-59.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**60%-69.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**70%-79.99%** | 1 | 50.00% |
| &nbsp;&nbsp;**80%-89.99%** | 1 | 50.00% |
| &nbsp;&nbsp;**90%-100%** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**2** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State** | **Count** | **Percentage** |
| &nbsp;&nbsp;**GA** | 1 | 50.00% |
| &nbsp;&nbsp;**MD** | 1 | 50.00% |
| &nbsp;&nbsp;**Total** | **2** | **100.00%** |

---

Page 8 of 8

---

| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Number2** | **Doc Type** | **Property ID** | **Rent On Lease if applicable** | **Rent On Appraisal if applicable** | **Source Lease or Appraisal** | **Used for DSCR** | **DSCR** | **PITI** | **Short Term Rental Flag** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Year Built** | **Square Footage** | **Units** | **Unit 1 of Baths** | **Unit 1 of Beds** | **Unit 2 of Baths** | **Unit 2 of Beds** | **Lease Term** |
| XXXXXXXXX | 9082727 | DSCR | 1 | XXXXXXX | XXXXXXX | Appraisal | XXXXXXX | 1.0237 | XXXXXXX | No | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | 1 | 1 | 3 |  |  |  |

---

**Rating Agency Grades: 6/8/2026**

---

| | | |
|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** |
| **Loan Number** | **Alternate Loan ID** | **Note Original Balance** |
| XXXXXXXX | 9082726 | XXXXXXXX C A |
| XXXXXXXX | 9082727 | XXXXXXXX A |

---

**ValuationReport**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** |
| **Loan Number** | **Alt Loan Number** | **Origination Date** | **Original Loan Amount** | **LTV** | **Value Used For LTV** | **Sale Price** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Value** | **Variance Amount** | **Variance (%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **CU Score** | **CU Date** |
| XXXXXXXX | 9082726 | XXXXXXXX | XXXXXXXX | 75.00% | Appraised Value |  | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 Fannie Mae | XXXXXXXX |
| XXXXXXXX | 9082727 | XXXXXXXX | XXXXXXXX | 80.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 Fannie Mae | XXXXXXXX |

---

**Rating Agency Exceptions Report: 6/8/2026**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Event Level** |
| **Loan Number** | **Loan Number 2** | **Property State** | **Purpose** | **Occupancy** | **Property Type** | **DTI** | **DSCR** | **FICO** | **LTV** | **Note Original Balance** | **Exception ID** | **Exception Type** | **Exception Description** | **Exception Note** | **Exception General Comment** | **Compensating Factors** | **Exception Status** | **Grade** |
| XXXXXXXXXX | 9082726 | XXXXXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 49.92 |  | 763 | 75.00% | XXXXXXXXXX | 302581 | Credit | Eligibilty | Loan closed in the name of a corporation, XXXX; however, the EIN is missing from the loan file. | 7/1/2025: EIN provided to cure. |  | Cleared Exception A | 1 |
| **1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXXXXX | 9082727 | XXXXXXXXXX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.0237 | 796 | 80.00% | XXXXXXXXXX |  |  |  |  |  |  | A |  |
| **1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

![](tm264825d35_ex99-6img001.jpg)

**ATR QM Data Fields**

Loans in Report: 2

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Loan Number** | **Alt Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** |
| XXXXXXXX | 9082726 | Not covered/exempt | No | No |
| XXXXXXXX | 9082727 | Not covered/exempt | No | No |
| **2** |  |  |  |  |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alt Loan Number** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |
| XXXXXXXX | 9082726 | 44.9 | 49.92 | DTI | 5.02 | Yes |

---

## Exhibit 99.7

**Exhibit 99.7**

![](tm264825d35_ex99-7img001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary

SAN 2026-NQMS1

Dated: June 11, 2026

**6136 Frisco Square Blvd. \| Suite 350 \| Frisco, TX 75034**

**P: 888.892.1843** **\| evolvemortgageservices.com**

![](tm264825d35_ex99-7img002.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS.

**EXECUTIVE SUMMARY**

**Overview**

Evolve Mortgage Services ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by Santander Bank N.A. (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 and criteria.**

The final population of the Review covered 27 Loans, 9 Residential Loans and 18 Business Purpose Loan, totaling an aggregate original principal balance of approximately $6,309,767.00. 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. The Review was conducted consistent with the criteria, Fitch Ratings Inc., 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 fields on the bid tape 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 tapes as provided at the time of initial diligence or subsequently updated. Discrepancies outside of reasonable tolerances were reported. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;QM Status |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Self-Employment Flag |

---

---

| | | |
|:---|:---|:---|
| ![](tm264825d35_ex99-7img004.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| Page |

---

![](tm264825d35_ex99-7img002.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS.

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

Evolve reviewed asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable for the Residential Population, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Evolve. 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, Evolve 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:** Evolve'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, Evolve: (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:** Evolve 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, 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.

**Asset Review:** Evolve 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, Evolve 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 Evolve. During the course of this review, Evolve (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, (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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![](tm264825d35_ex99-7img002.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS.

**DU/LP Review:** When provided and appropriate, Evolve verified that DU findings included an approved/eligible decision where required by the guidelines. However, all mortgage loans are manually underwritten with documentation requirements determined by the guidelines and not AUS findings.

**Occupancy Review:** Evolve 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, Evolve 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:** Evolve 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, Evolve conditioned the mortgage loan for the missing fraud report product.

If a report was present, Evolve 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, Evolve 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.

---

| | | |
|:---|:---|:---|
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![](tm264825d35_ex99-7img002.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS.

**Title Review:** Evolve's review included a review of the chain of title and the duration of ownership by the seller or borrower (whichever is applicable) satisfied 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:** Evolve 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.

Additionally, Evolve 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.

**Regulatory Compliance:** Evolve conducted a review to determine whether the loan met certain federal, state and local regulatory requirements at the time of origination when applicable. All applicable tests and disclosure reviews were graded in accordance with the Structured Finance Association ("SFA") published RMBS 3.0 TRID Compliance Review Scope. The Regulatory Compliance Review conducted is fully detailed in Appendix A.

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

Evolve'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. Evolve's review included verifying the appraisal report was (i) on the appropriate GSE form (for the Residential Population), (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser (for residential properties) that was actively licensed to perform the valuation, (v) completed, for residential properties, 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.

---

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|:---|:---|:---|
| ![](tm264825d35_ex99-7img004.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| Page |

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![](tm264825d35_ex99-7img002.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS.

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

---

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|:---|:---|:---|
| ![](tm264825d35_ex99-7img004.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| Page |

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![](tm264825d35_ex99-7img002.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS.

**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 NRSRO listed in the Form ABS Due Diligence-15E.

**Compliance Results Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;8 | &nbsp;&nbsp;29.63% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;18 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**27** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;26 | &nbsp;&nbsp;96.30% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**27** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;27 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**27** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
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![](tm264825d35_ex99-7img002.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS.

**Overall Results Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;25 | &nbsp;&nbsp;92.59% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;7.41% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**27** | &nbsp;&nbsp;**100.00%** |

---

**Data Integrity Summary**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;15 | &nbsp;&nbsp;27 | &nbsp;&nbsp;55.56% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;27 | &nbsp;&nbsp;7.41% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;8 | &nbsp;&nbsp;27 | &nbsp;&nbsp;29.63% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;10 | &nbsp;&nbsp;27 | &nbsp;&nbsp;37.04% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;17 | &nbsp;&nbsp;27 | &nbsp;&nbsp;62.96% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;17 | &nbsp;&nbsp;27 | &nbsp;&nbsp;62.96% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;19 | &nbsp;&nbsp;27 | &nbsp;&nbsp;70.37% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;6 | &nbsp;&nbsp;27 | &nbsp;&nbsp;22.22% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;27 | &nbsp;&nbsp;7.41% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;4 | &nbsp;&nbsp;27 | &nbsp;&nbsp;14.81% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;27 | &nbsp;&nbsp;7.41% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;18 | &nbsp;&nbsp;27 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;24 | &nbsp;&nbsp;27 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;10 | &nbsp;&nbsp;27 | &nbsp;&nbsp;37.04% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;11 | &nbsp;&nbsp;27 | &nbsp;&nbsp;40.74% |
| &nbsp;&nbsp;Product Code | &nbsp;&nbsp;6 | &nbsp;&nbsp;27 | &nbsp;&nbsp;22.22% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;27 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;10 | &nbsp;&nbsp;27 | &nbsp;&nbsp;37.04% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;26 | &nbsp;&nbsp;27 | &nbsp;&nbsp;96.30% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;3 | &nbsp;&nbsp;27 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;9 | &nbsp;&nbsp;27 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;15 | &nbsp;&nbsp;27 | &nbsp;&nbsp;55.56% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;3 | &nbsp;&nbsp;27 | &nbsp;&nbsp;11.11% |

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**APPENDIX A**

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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;

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vii) confirm the Affiliated Business Arrangement Disclosure is executed; and <br> viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

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

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

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

**(VI) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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.

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

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

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

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

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

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 NRSRO and Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per Evolve's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that Evolve has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by Evolve will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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> 

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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FORWARD THINKING. SEAMLESS SOLUTIONS.

**(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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![](tm264825d35_ex99-7img003.jpg)

**Rating Agency Grades**

**Run Date - 06/11/2026 2:53:43 PM**

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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** |
| 1634719 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1632990 | XXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1634444 | XXXXXXXXX | XXXXXXX | XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 1634557 | XXXXXXXXX | XXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1632552 | XXXXXXXXX | XXXXXXXXXXX | XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 1633165 | XXXXXXXXX | XXXXXXXXXXX | XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 1633147 | XXXXXXXXX | XXXXXXXXXX | XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1631020 | XXXXXXXXX | XXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1633267 | XXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1630650 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1632053 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1632848 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1632622 | XXXXXXXXX | XXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1632935 | XXXXXXXXX | XXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1632954 | XXXXXXXXX | XXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1633151 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1633578 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1633579 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1634098 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1634442 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1634551 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1633221 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1633271 | XXXXXXXXX | XXXXXXXXXX | XXXXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1633037 | XXXXX | XXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1630445 | XXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1634692 | XXXXXXXXX | XXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1632554 | XXXXXXXXX | XXXXXXXXXXXX | XXXXXX A | C | C | C | C | C A | A | A | A | A | A |

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![](tm264825d35_ex99-7img003.jpg)

**Exception Detail**

**Run Date - 06/11/2026 2:53:44 PM**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 1630445 | XXXXXXXXX | XXXXXXXXXX | 7124277 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | CU score missing, satisfactory second evaluation required | FNMA XXXXX XXX risk score was XXX |  |  | 01/02/2025 |  | A | 1 | XXXXXXXXXX | OH | 3 | 3 C A | N/A | N/A C |  | Exempt | 1 |
| 1630445 | XXXXXXXXX | XXXXXXXXXX | 7130767 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXXXXXXX XXXXXXXX affidavit. | Information provided |  |  | 03/04/2025 |  | A | 1 | XXXXXXXXXX | OH | 3 | 3 C A | N/A | N/A C |  | Exempt | 1 |
| 1630650 | XXXXXXXXXX | XXXXXXXXXX | 7125187 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Foreign XXXXXXXXX XXXXX XXXXXX at XXXX XXXXX does not meet guidelines of XXXXX XXXXXX for XXXXX over XXX | Per XXXXXX the XXXXX deficiency is not accurate, since a XXXXXXXX XXXXXXXXX XXXXXXXXX can go up to XXXX XXXX without requiring a XXXXXX XXXXX is required. |  | Reviewer 01/20/2025 05:11 PM; The document received is an XXXX and reflects there is an exception for the XXXXXXXX XXXXXXXXX XXXXX of XXXXXXXXX XXXXXXX provide the approval exception as it could not be located in the original file.<br>Client 01/27/2025 06:49 PM; From: XXXXXX XXXXXXXXX <XXXXXXXXXXXXXXXXXXtX; <br> XXXXXX XXXXXXXX XXXXXXXX XXXX XXXXX XXXXXX XXXX<br> XXXX XXXXXXXXX XXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX<br> XXXX XXXXXXXXX XXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXX XXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX<br> XXXXXXXXX XXXX action XX XXXXXXXXXXX XXXXXXXX XXXXXXXXXXX deficiencies XXXXXXXXXXXXX <br>XXXX XXXXX deficiency is not accurate, since a XXXXXXXX XXXXXXXXX XXXXXXXXX can go up to XXXX XXXX without r<br>Reviewer 01/27/2025 07:15 PM; Condition has been reviewed. XXX<br>| 01/27/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1630650 | XXXXXXXXXX | XXXXXXXXXX | 7125188 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Seller concession of XXXXXXXXX exceeds maximum of XXX of XXX XXXXXXXXXXX |  | Per XXXXXX the finding is accurate and impacts the XXXX calculation. XXXXX the excess contribution is subtracted from the sale XXXXX, the XXXX is XXXXXX XXXXXX the XXXX calculation is for loan purposes only, XXXXX is okay with the XXXX at XXXXX pricing must be adjusted to the XXXXXXXXXXX XXXX bucket. XXXXXX is no additional XXXXX for this exception. |  |  |  | 01/27/2025 B | 2 | XXXXXXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1630650 | XXXXXXXXXX | XXXXXXXXXX | 7125189 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Satisfactory evidence of XXXXXXXXXXXX of XXXXXXXXXX for new construction home. | received XXXX with correct address |  | Reviewer 01/14/2025 01:17 PM; The XXXX received reflects property address of XXXXX XXXXXXXX XXXXX and the subject property is XXXXX XXXXXXXX XXXX<br>| 01/23/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1631020 | XXXXXXXXX | XXXXXXXXXX | 7125204 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | no XXX score located- satisfactory second evaluation required | Acceptable XXXX provided. |  | Client 01/10/2025 11:03 AM; uploaded to file thank you for reviewing ~<br>Reviewer 01/10/2025 12:14 PM; Condition has been reviewed. XXX<br>| 01/10/2025 |  | A | 1 | XXXXXXXXXX | CT | 1 | 1 C A | A | A C |  | Non-QM | 1 |
| 1631020 | XXXXXXXXX | XXXXXXXXXX | 7125205 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Satisfactory XXXXXX report | Drive report provided. |  | Client 01/10/2025 11:03 AM; uploaded to file thank you for reviewing ~<br>Reviewer 01/10/2025 12:14 PM; Condition has been reviewed. XXX<br>| 01/10/2025 |  | A | 1 | XXXXXXXXXX | CT | 1 | 1 C A | A | A C |  | Non-QM | 1 |
| 1631020 | XXXXXXXXX | XXXXXXXXXX | 7125206 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Satisfactory evidence of XXXX license | Verification provided. |  | Client 01/10/2025 11:03 AM; uploaded to file thank you for reviewing ~<br>Reviewer 01/10/2025 12:14 PM; Condition has been reviewed. XXX<br>| 01/10/2025 |  | A | 1 | XXXXXXXXXX | CT | 1 | 1 C A | A | A C |  | Non-QM | 1 |
| 1631020 | XXXXXXXXX | XXXXXXXXXX | 7125207 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Satisfactory XXXXXXXX version of XXXXXXXXX XXX XXXX statement | The entire statement is in both english/spanish. |  | Client 01/10/2025 11:13 AM; please review statement again it is a dual language statement, in both XXXXXXXX and XXXXXXXX - XX XXXXXXX statement printed in XXXXXXXX and XXXXXXXXX means a XXXX statement from XXXXXX that displays all the transaction details in both XXXXXXXX and XXXXXXXXXX XXXX a feature that XXXXX provides for its customers. the spanish verbiage is XXXXX as it is borrowers preference, then it is in english on same transaction line - for example XXXXXX deposito remoto por interne<br>Reviewer 01/10/2025 12:14 PM; Condition has been reviewed. XXX<br>| 01/10/2025 |  | A | 1 | XXXXXXXXXX | CT | 1 | 1 C A | A | A C |  | Non-QM | 1 |
| 1632053 | XXXXXXXXXX | XXXXXXXXXX | 7128353 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide operating agreement/articles of incorporation. | Information provided |  |  | 02/03/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1632053 | XXXXXXXXXX | XXXXXXXXXX | 7128354 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | Information provided |  |  | 02/03/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1632053 | XXXXXXXXXX | XXXXXXXXXX | 7128449 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide XXXXX XXXXX XXXXXXXXXXXXXXXX XXXXX will assess the lock for accuracy prior to finalizing the loan purchase. | Received XXXXX XXXXX XXXXXXXXXXXXXXX XXXXX will assess the lock for accuracy prior to finalizing the loan purchase. |  |  | 01/31/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1632053 | XXXXXXXXXX | XXXXXXXXXX | 7128451 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan closed in an XXXXXX XXXXXXXXXX XXXXXXXXXX required for XXX |  |  |  | 01/31/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1632053 | XXXXXXXXXX | XXXXXXXXXX | 7128453 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan closed in an XXXX - XXXXXXXXXXXX of XXXXX XXXXXXXXX for XXXX required | Received XXX |  | Reviewer 01/31/2025 07:54 PM; Provide XXXXXXXX XXXXXXXXXX of XXXXXX XXXXXXXXX XXXXXXXXXXXXXX for XXX<br>| 02/07/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1632053 | XXXXXXXXXX | XXXXXXXXXX | 7128454 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan closed in an XXXX - XXXXXXXXXXXX of XXXXXXXX XXXXXXXXXXXXXX to operate in the state (if entity is formed in a state other that where business sis being performed) required | Received XXXXXXXXXX XXXXXXXXX was formed and operates in the state of XXXXXXXXX |  | Reviewer 01/31/2025 07:41 PM; <br>| 01/31/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1632053 | XXXXXXXXXX | XXXXXXXXXX | 7128455 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan closed in an XXXX - XXXXXXXXXXX on all XXXXXXXX with XXXX or more required | Guaranty was received |  |  | 01/31/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1632053 | XXXXXXXXXX | XXXXXXXXXX | 7128457 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan closed in an XXXX - XXXX XXXXXXX for the XXXXXXX required | Received XXXX number |  |  | 01/31/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1632053 | XXXXXXXXXX | XXXXXXXXXX | 7128459 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan approval missing from file | Received XXXXX XXXXXXXX |  |  | 01/31/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1632053 | XXXXXXXXXX | XXXXXXXXXX | 7128460 | 267 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Certificate of Occupancy |  | Certificate of XXXXXXXXXX from county missing from file. | received XXX |  | Reviewer 01/31/2025 07:33 PM; The document received is not the approval of occupancy from the local authorities for new construction. XXXXXXXXXXXX of XXXXXXXXXX from county missing from file.<br>| 02/07/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1632053 | XXXXXXXXXX | XXXXXXXXXX | 7128465 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | FNMA XXX XXXXXX > XXXX | Received XXX |  |  | 01/31/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1632552 | XXXXXXXXX | XXXXXXXXXXX | 7130735 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 03/05/2025 |  | A | 1 | XXXXXXXXXX | PA | 1 | 1 C B A | C | B A |  | Non-QM | 1 |
| 1632552 | XXXXXXXXX | XXXXXXXXXXX | 7130736 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Loan is failing XXX and XXXX tolerances for the increase in the XXXXXXXXX XXXXXX and the XXXXXXXXXX fee in XXXX XXXX XXXXXX violation amount is XXXXXXXXX XXXXX a XXXXX with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days of consummation. |  |  |  |  | 03/05/2025 | B | 2 | XXXXXXXXXX | PA | 1 | 1 C B A | C | B A |  | Non-QM | 1 |
| 1632554 | XXXXXXXXX | XXXXXXXXXXXX | 7129577 | 896 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID CD-Timing |  | Provide XXXXXXXX XXXXX XXXXX final XXX was located in file. | Information provided |  |  | 02/19/2025 |  | A | 1 | XXXXXXXXXX | CA | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1632554 | XXXXXXXXX | XXXXXXXXXXXX | 7129578 | 902 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 02/19/2025 |  | A | 1 | XXXXXXXXXX | CA | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1632622 | XXXXXXXXX | XXXXXXXX | 7129432 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | FNMA XXX XXXXXX > XXXX | Acceptable XXXX provided. |  |  | 02/10/2025 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1632848 | XXXXXXXXXX | XXXXXXXXXX | 7130644 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan approval missing from file. | received loan approval |  | Reviewer 02/26/2025 08:59 PM; Documents received were in the original submission and do not clear this condition.<br>| 03/11/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1632935 | XXXXXXXXX | XXXXXXXXX | 7130025 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide an appraisal review in accordance with XXXXXXXX XXXXXX of the guidelines. | FNMA XXXXX XXX XXXXXX XXXXXX |  |  | 02/18/2025 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1632954 | XXXXXXXXX | XXXXXXXXX | 7130059 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide an appraisal review in accordance with XXXXXXXX XXXXXX of the guidelines. | FNMA XXXXX XXX score is XXX |  |  | 02/18/2025 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1632848 | XXXXXXXXXX | XXXXXXXXXX | 7130647 | 267 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Certificate of Occupancy |  | CO from XXXXXXX missing from file | received the XXX from county |  | Reviewer 02/26/2025 08:59 PM; Documents received were in the original submission and do not clear this condition.<br>| 03/10/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1632848 | XXXXXXXXXX | XXXXXXXXXX | 7130650 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Funds to close required to be on deposit with title minimum XX business days prior to close per guidelines. | Funds held and withdrawn from XXX XXXX account |  | Reviewer 02/26/2025 09:47 AM; Funds to close on deposit XXXXXXXXXXX XXXXX closed XXXXXXXX<br>Client 03/07/2025 01:18 PM; (if the assets are held in a foreign account. XXXX assets came from borrowers XXXX account which is XXXXXX<br>Reviewer 03/10/2025 01:12 PM; condition cleared<br>| 03/10/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1632848 | XXXXXXXXXX | XXXXXXXXXX | 7130652 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | EM XXXXXXXX not verified/sourced in XXXXXXXXXX XXXXXXXXXXX XXXXXXXX received by XXXXXXX XXXXXXXXXX XXXXXXXX received XXXXXXXXXXX XXXXXXXX XXXXXXXXXXX XXXXXXXX XXXXXXXXXXX XXXXXXXX XXXXXXXXXXX XXXXXXXX XXXXXXXXXXX XXXXXXX XXXXXXXXX | XXX statements provided. |  | Reviewer 02/26/2025 08:59 PM; Documents received were in the original submission and do not clear this condition.<br>Reviewer 03/02/2025 06:09 PM; Provide XXXX statements to reflect these amounts were withdrawn - XXXXXXXXXX XXXXXXXX received XXXXXXXXXXX XXXXXXXX XXXXXXXXXXX XXXXXXXX XXXXXXXXXXX XXXXXXXX XXXXXXXXXXX XXXXXXXX XXXXXXXXXXX XXXXXXX XXXXXXXXXXX XXX provide valid wire transfers for each of these XXX deposits to total XXXXXXXX<br>Client 03/07/2025 01:18 PM; (per guides XXXXX of check (canceled or not canceled) or outgoing wire with certified escrow deposit receipt. XXXXX XXXX<br>Reviewer 03/10/2025 01:53 PM; please email evolvesellerexceptions@acralending.com requesting exception for missing verification of XXX XXXXXXXXXXX XXXX guides copy of check or outgoing wire with certified escrow. XXXXXXXXXXXXXX in file is letter from seller/builder receipt.<br>| 03/17/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1632848 | XXXXXXXXXX | XXXXXXXXXX | 7130653 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Currency conversion for XXX XXXXXXXXX XXXXXXX for XXXXXXXXXXX or date for updated assets missing from file. XXX XXXXXXXX per XXXXX XXXXXXXXXX | Assets from this account not used for qualification purposes. |  | Reviewer 02/26/2025 08:59 PM; Documents received were in the original submission and do not clear this condition.<br>Client 03/07/2025 01:19 PM; (we are not using XXXX for assets these accounts were used to clear condition for credit reference in their country) <br>Reviewer 03/10/2025 01:13 PM; condition cleared<br>| 03/10/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1632848 | XXXXXXXXXX | XXXXXXXXXX | 7130654 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Addendum to sales contract indicating the property is a short-term investment property. XXXX XXXXXX contract reflects verbiage on page XXX stating XXXXX XXXXX is being sold for residential purposes and not as an investment. XXXXX loan is an investment XXXXX short term rental. | received contract addendum stating property is tenant occupied. |  | Reviewer 02/26/2025 08:59 PM; Documents received were in the original submission and do not clear this condition.<br>| 03/10/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1632954 | XXXXXXXXX | XXXXXXXXX | 7130061 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide evidence of XXXXX XXXXX coverage. XXXX XXXXXXXXXXXX of XXXXXXXXX XXXXXXXXXX in file does not reflect XXXXX XXXXX coverage. | Rent loss is part of blanket commercial policy. |  | Client 02/18/2025 06:13 PM; XXXXXXXXX_commercial blanket XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXX - the property is part of a commercial policy which has over XXXXX in rent loss coverage combined damage to rented premises please see blanket commercial policy uploaded - in addition to the blanket commercial policy on all properties rent loss is under business income on each policy. XXXXXXX waive XXXXXX you for reviewing<br>Reviewer 02/19/2025 08:08 AM; <br>| 02/18/2025 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1632954 | XXXXXXXXX | XXXXXXXXX | 7130285 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the business purpose affidavit for review. | Information provided |  |  | 02/26/2025 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1632990 | XXXXXXXXX | XXXXXXXXXX | 7130541 | 101 | XXXXXXXXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - County does not matches legal description |  | Please provide XXXXX of XXXXXX that reflects the correct XXXXXXX of XXXXXXXXX per legal description. XXXXXXX also include a XXXX to re-record. | Information provided |  |  | 03/07/2025 |  | A | 1 | XXXXXXXXXX | GA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1633037 | XXXXX | XXXXX | 7130567 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Verification of XX months'''' rent loss required. | Received rent loss coverage via email from XXXXXXXXXX company |  |  | 02/26/2025 |  | A | 1 | XXXXXXXXXX | NY | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1633147 | XXXXXXXXX | XXXXXXXXXX | 7130212 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide an appraisal review in accordance with XXXXXXXX XXXXXX of the guidelines. | Acceptable XXXX provided. |  | Client 02/27/2025 12:59 PM; \* XXXXXXXXXX_ucdp XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXXXXXXXXXXX<br> \* XXXXXXXXXX_desk XXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX XXXXXXX review desk review and ucdp - XXXXXXX waive XXXXXX you for reviewing<br>Reviewer 02/27/2025 01:13 PM; <br>| 02/27/2025 |  | A | 1 | XXXXXXXXXX | CT | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1633147 | XXXXXXXXX | XXXXXXXXXX | 7132495 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Testing complete |  |  | 03/10/2025 |  | A | 1 | XXXXXXXXXX | CT | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1633147 | XXXXXXXXX | XXXXXXXXXX | 7132496 | 891 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application |  | Earliest application is signed and dated by the XXX on XXXXXXX XXXXX the initial XXX issued within XX days of this date. | Documents provided |  |  | 03/10/2025 |  | A | 1 | XXXXXXXXXX | CT | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1633147 | XXXXXXXXX | XXXXXXXXXX | 7132497 | 846 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Missing initial disclosure within 3 days of application |  | Need the XXXXX XXXXX XXXXXXXX issued within XX days of application date of XXXXXX | Documents provided |  |  | 03/10/2025 |  | A | 1 | XXXXXXXXXX | CT | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1633151 | XXXXXXXXXX | XXXXXXXXXX | 7130273 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXXXX of XXXXXXXXX documents. | Documentation provided |  | Reviewer 02/26/2025 08:16 AM; The XXXX for XXXXXXXXX XXXXX XXXXXXXX XXXXX is not signed, witnessed or notarized. XXXXXXX provide fully executed XXXXXX <br>| 03/05/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1633151 | XXXXXXXXXX | XXXXXXXXXX | 7130457 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing final dated loan approval | received final loan approval |  |  | 02/25/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1633165 | XXXXXXXXX | XXXXXXXXXXX | 7130303 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide an appraisal review in accordance with XXXXXXXX XXXXXX of the guidelines. | FNMA XXXXX XXX score was XXX |  | Client 02/21/2025 04:59 PM; XXXXXXXXX_ucdp XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXX - ucdp uploaded - XXXXXX you for reviewing<br>Reviewer 02/23/2025 04:54 PM; <br>| 02/23/2025 |  | A | 1 | XXXXXXXXXX | CO | 1 | 13 C A | A | A C |  | Non-QM | 1 |
| 1633221 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7130500 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Vacant properties are not eligible for refinances. XXXX the appraisal, the property is vacant. XXX lease agreement in file. XXXXXXXXXX required for vacant property or copy of lease and XX months receipt of rent required. | Received revised appraisal and lease |  |  | 02/27/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1633267 | XXXXXXXXX | XXXXXXXXXX | 7130402 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Initial fully executed XXXXX missing from file. | Initial fully executed XXXXX provided. |  |  | 03/03/2025 |  | A | 1 | XXXXXXXXXX | CT | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1633271 | XXXXXXXXX | XXXXXXXXXX | 7131237 | 101 | XXXXXXXXXX | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - County does not matches legal description |  | Please provide updated XXXXX of XXXXXX that reflects the correct county per legal description, XXXXXXX of XXXXXXX XXXXXXX also include a letter of intent to re-record. | Information provided |  |  | 03/07/2025 |  | A | 1 | XXXXXXXXXX | IN | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1633271 | XXXXXXXXX | XXXXXXXXXX | 7130386 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | HOI for subject missing from file. XXXX XXXX XXXXXX | HOI provided. XXXXXXXXXXXXXXXXXXXXXXX |  | Reviewer 02/24/2025 11:20 AM; Est tax in file XXXXXXXXX<br>Client 02/25/2025 01:54 PM; XXXXXXXXX_HOI_XXXXXX.pdf XXXXXXXXXXX XXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXX – monthly is XXXXXXXX – XXXXXXX waive XXXXXX you for reviewing<br>Reviewer 02/25/2025 03:58 PM; <br>| 02/25/2025 |  | A | 1 | XXXXXXXXXX | IN | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1633578 | XXXXXXXXXX | XXXXXXXXXX | 7132804 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan XXXXXXXXX missing from file | Received XXXXXXXX |  |  | 03/06/2025 |  | A | 1 | XXXXXXXXXX | CO | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1633578 | XXXXXXXXXX | XXXXXXXXXX | 7132805 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Verification XXX XXXXX XX XXXXX and clear, and XXXXXX missing from file. | Received property information |  |  | 03/06/2025 |  | A | 1 | XXXXXXXXXX | CO | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1634442 | XXXXXXXXXX | XXXXXXXXXX | 7133502 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXXXXXXXX XXXXXXXXXXXXXXXXXXX of XXXXXXXXXXXXXXXX | Information provided |  |  | 03/17/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1634442 | XXXXXXXXXX | XXXXXXXXXX | 7133504 | 861 | XXXXXXXXXX | Credit | Note |  | Note - Other: |  | Note is missing the date on page one, looks copied over or whited out. XXXXXXX provide note with date that is visible for review. | Information provided |  |  | 03/17/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1634442 | XXXXXXXXXX | XXXXXXXXXX | 7133643 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing the following documentation regarding XXXXXXX XXXXX XXXX XXXXXXXXX of XXXXXXXXXXXXX XXXX XXXXXXXXXXXX of XXXXX XXXXXXXXX XXXX XXXXXXXXXXXX of XXXXXXXX XXXXXXXXXXXXXX to operate in the state (if entity is formed in a state other that where business is being performed) XXXX XXXX XXXXXXX for the XXXXXXX | EIN, XXXXXXXXXX XXX XXXXX XXXXXXXXX XXXXXX XXXXXXXXX of XXXXXXXXXXXX reflecting borrower XXXX and XX other XXXXXXXX XXXX and XXXXXXXXXX provided. |  |  | 03/17/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1634442 | XXXXXXXXXX | XXXXXXXXXX | 7133644 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Final dated loan approval from XXXXX XXXXXXX | Approval provided. |  |  | 03/17/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1634444 | XXXXXXXXX | XXXXXXX | 7133411 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | FNMA XXX XXXXXX missing from file. XXX XXX score is > XXXXXX XXXX required | Acceptable XXXX provided. |  |  | 03/17/2025 |  | A | 1 | XXXXXXXXXX | FL | 1 | 13 C A | A | A C |  | Non-QM | 1 |
| 1634444 | XXXXXXXXX | XXXXXXX | 7133412 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | CDA required if XXX score is > XXXX | Acceptable XXXX provided. |  |  | 03/17/2025 |  | A | 1 | XXXXXXXXXX | FL | 1 | 13 C A | A | A C |  | Non-QM | 1 |
| 1634551 | XXXXXXXXXX | XXXXXXXXXX | 7133827 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing signed and dated final XXXXXXXXXXXXXXXXX | Document XXXXXXXX |  |  | 03/19/2025 |  | A | 1 | XXXXXXXXXX | OK | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1634551 | XXXXXXXXXX | XXXXXXXXXX | 7133828 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing final loan approval from XXXXX XXXXXXX | Approval has been provided. |  | Client 03/18/2025 10:39 PM; This is delegated loan, does XXXXX final approval still XXXXXXXXXXXXXXXX specify the form as XXXXX lock confirmation and purchase form are uploaded upon submission.<br>Reviewer 03/19/2025 11:22 AM; <br>Reviewer 03/20/2025 07:32 AM; Provide final loan approval from delegated lender in lieu of XXXXX approval<br>| 03/21/2025 |  | A | 1 | XXXXXXXXXX | OK | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1634551 | XXXXXXXXXX | XXXXXXXXXX | 7133829 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Missing hazard insurance policy with acceptable coverage, including rent loss coverage, along evidence of the annual premium | received XXXX with acceptable coverage. |  |  | 03/19/2025 |  | A | 1 | XXXXXXXXXX | OK | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1634551 | XXXXXXXXXX | XXXXXXXXXX | 7133830 | 323 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Missing one of the following credit reference requirements for a XXXXXXXX XXXXXXXXX borrower XXXX XX XXX credit report with at least two tradelines with minimum age of two years for one tradeline, or XXXX XXX international credit report, or XXXX XXX original credit reference letter from an internationally known financial institution. XXXXXX reference letter does not need to include details or payment histories of debt obligations located outside of the XXXX or XXXX XX XXXX statement documenting a foreign financial banking relationship for the past XXXXXXXXX XXXX XXXXXXXX balances must be verified in XXXX equivalency at the current exchange rate via either www.xe.com or the XXXX conversion table. XXXXX statements in any language other than XXXXXXXX must be translated into XXXXXXXXX | The XXXX statements in the file from XXXXXXXXX XXXXXX XXXX and XXXXXX are sufficient. |  | Reviewer 03/19/2025 12:02 PM; The document received was a XXX XXXX statement and did not include any of the requirements stated above.<br>| 03/20/2025 |  | A | 1 | XXXXXXXXXX | OK | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1634692 | XXXXXXXXX | XXXXXXXXXXX | 7134523 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | XXXX reflects XX borrowers but should only reflect XXX please provide corrected XXXXXX | Information provided |  |  | 03/21/2025 |  | A | 1 | XXXXXXXXXX | NC | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1634719 | XXXXXXXXXX | XXXXXXXXXX | 7134629 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Credit XXXXXXXXXXXXX for XXXXXXXX XXXXXXXXX missing from file; XXXX XXXXXXXXXXXX page XXXX XXXX of the following is required XXX XXXXXXX XXXXXXXX XXXXXXXXXXXXXX credit report, original credit reference letter from an internationally known financial institution or a XXXX statement documenting a foreign financial banking relationship for the past XXX days may be utilized. | Two months of XXXX statements from XXXXX XXXXX XXXX provided. |  |  | 03/25/2025 |  | A | 1 | XXXXXXXXXX | NV | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1634719 | XXXXXXXXXX | XXXXXXXXXX | 7134636 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | X months statements for XXXXX XXXXX XXXXX missing from file. XXXXXX to close from this account. XXX appears to be a foreign XXXX. XXXX guidelines XXXXXXXX XXXXXXXXXXX XXXXXXX held in a foreign account must be verified in XXX dollars equivalency at the current exchange rate. a copy of the XX most recent statements of that account are required. XXX the funds are not seasoned a minimum of XXX days, a letter of explanation is required along with paper trail. XXXXX statement in any language other than XXXXXXXX must be translated into XXXXXXXXXX | Two months asset seasoning is required on all XXX purchase transactions. XXXX assets may be in a XXX or foreign XXXX. # days on shore required only if a foreign XXXX |  | Client 03/24/2025 01:13 PM; Two months asset seasoning is required on all XXX purchase transactions. XXXX assets may be in a XXX or foreign XXXX. # days onshor required only if a foreign XXXX. <br>Reviewer 03/24/2025 02:54 PM; <br>| 03/24/2025 |  | A | 1 | XXXXXXXXXX | NV | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1634719 | XXXXXXXXXX | XXXXXXXXXX | 7134638 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Verification XXX XXXXXXX missing from file. XXXX XXXXXXXXXXX XXXXXXXX XXXXXX XXXXXX to close are to be properly verified on purchase money transactions. XXXX source of funds should be reflected on the application XXXX verification of acceptable funds is required for all funds. XXXXXX XXXXXXXXXX of funds are not required for XXXXX under XXXX - XXXXXXXXX XXXXXXXX XXXXXXXXX guidelines require verification. | XXXX statement reflects XXX withdrawal on XXXXXXXXX |  |  | 03/25/2025 |  | A | 1 | XXXXXXXXXX | NV | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1634719 | XXXXXXXXXX | XXXXXXXXXX | 7134646 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XX day statement assets in XXXXXXX XXXX missing from file. XXXX guidelines XXXXXXXX XXXXX - XXXXXX to close to be property verified on purchase money transactions is required. XXXXXXXXXX of funds required per XXX XXXXXXXX XXXXXX of guidelines. XXXXXXXXXX is required for XXX XXXXXXXXXXXX | XXXX statements dated XXXXXXXXXXXXXX from XXXXX XXXXX XXXX provided. |  |  | 03/25/2025 |  | A | 1 | XXXXXXXXXX | NV | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1634719 | XXXXXXXXXX | XXXXXXXXXX | 7134647 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XX day statement assets in XXXXXXXXXXX XXXX missing from file. XXXX guidelines XXXXXXXX XXXXX - XXXXXX to close to be property verified on purchase money transactions is required. XXXXXXXXXX of funds required per XXX XXXXXXXX XXXXXX of guidelines. XXXXXXXXXX is required for XXX XXXXXXXXXXX | Two months of XXXX statements from XXXXX XXXXX XXXX provided which is a XXX XXXX. |  |  | 03/25/2025 |  | A | 1 | XXXXXXXXXX | NV | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1634719 | XXXXXXXXXX | XXXXXXXXXX | 7134521 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The loan file is missing XXXXX XXXXXXXXXX XXXXXXX including XXXXXXXX XXXXXX documentation, XXXX XXXXXXX XXXXXXXXXXXXX for XXXXXXXX XXXXXXXXX loans and the XXXX cert. XXXX credit review is on hold until documents have been received. | Documents received |  |  | 03/20/2025 |  | A | 1 | XXXXXXXXXX | NV | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |

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![](tm264825d35_ex99-7img003.jpg)

**Valuation Report**

**Run Date - 06/11/2026 2:53:44 PM**

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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** |
| 1634719 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1632990 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.2 |
| 1634444 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.8 |
| 1634557 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1632552 | XXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXXXX | reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633165 | XXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1633147 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -9.52% | XXXXXXXXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1631020 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -4.76% | XXXXXXXXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633267 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1630650 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1632053 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXX | 4.81% | XXXXXXXXXX | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.5 |
| 1632848 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1632622 | XXXXXXXXX | XXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4 |
| 1632935 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 1632954 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1633151 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1633578 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1633579 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1634098 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXXXX | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| 1634442 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1634551 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| 1633221 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| 1633271 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1633037 | XXXXX | XXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1630445 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1634692 | XXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXXXXXXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.8 |
| 1632554 | XXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |

---

![](tm264825d35_ex99-7img003.jpg)

**Data Compare**

**Run Date - 06/11/2026 2:53:44 PM**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1634719 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | ALT | Debt Service Coverage | Verified |
| 1634719 | XXXXXXXXXX | XXXXXXXXXX | First Payment Date |  | 20250501 | Verified |
| 1634719 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXXX |  | 20550401 | Verified |
| 1634719 | XXXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634719 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 1206.12 | Verified |
| 1634719 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1634719 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1634719 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1630650 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1630650 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 1342.72 | Verified |
| 1630650 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1630650 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1630650 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1630650 | XXXXXXXXXX | XXXXXXXXXX | Product Code | Full Doc | DSCR- FN | Verified |
| 1630650 | XXXXXXXXXX | XXXXXXXXXX | Property Type | PUD | PUD-Attached | Verified |
| 1630650 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1632053 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 1.200 | 0.810 | Verified |
| 1632053 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 1945.43 | Verified |
| 1632053 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1632053 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1632053 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1632053 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1632053 | XXXXXXXXXX | XXXXXXXXXX | Qualifying Credit Score | XXX |  | Verified |
| 1632848 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 3.050 | 1.780 | Verified |
| 1632848 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1632848 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 1481.41 | Verified |
| 1632848 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1632848 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1632848 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1632848 | XXXXXXXXXX | XXXXXXXXXX | Property Type | PUD | PUD-Attached | Verified |
| 1632848 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1633151 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 1.033 | 1.020 | Verified |
| 1633151 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1633151 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 1270.19 | Verified |
| 1633151 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1633151 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1633578 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Bank Statement | Verified |
| 1633578 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1633578 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 4173.10 | Verified |
| 1633578 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1633578 | XXXXXXXXXX | XXXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1633578 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI |  | 0.43807 | Verified |
| 1633579 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 1633579 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1633579 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 731.83 | Verified |
| 1633579 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1633579 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1633579 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1633579 | XXXXXXXXXX | XXXXXXXXXX | Product Code | Full Doc | DSCR-Inv | Verified |
| 1633579 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1634098 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Bank Statement | Verified |
| 1634098 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 2079.37 | Verified |
| 1634098 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1634098 | XXXXXXXXXX | XXXXXXXXXX | Product Code |  | NP30F | Verified |
| 1634098 | XXXXXXXXXX | XXXXXXXXXX | Property Type | PUD-Attached | PUD-Detached | Verified |
| 1634098 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Exempt | Non-QM |  |
| 1634098 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 19.09700 | 0.37011 | Verified |
| 1634442 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1634442 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 1782.00 | Verified |
| 1634442 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1634442 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1634442 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1634442 | XXXXXXXXXX | XXXXXXXXXX | Product Code | Full Doc | DSCR-Inv | Verified |
| 1634442 | XXXXXXXXXX | XXXXXXXXXX | Property Type | PUD | PUD-Detached | Verified |
| 1634442 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1634551 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXXXXXX | XXXXXXXXXXXXXXXXXXXX | Verified |
| 1634551 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | ALT | Debt Service Coverage | Verified |
| 1634551 | XXXXXXXXXX | XXXXXXXXXX | First Payment Date |  | 20250501 | Verified |
| 1634551 | XXXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXXXXXXXXXXXXXX | Verified |
| 1634551 | XXXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634551 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 1090.36 | Verified |
| 1634551 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1634551 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty |  | Y | Verified |
| 1634551 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1634551 | XXXXXXXXXX | XXXXXXXXXX | Property Type | PUD-Detached | Single Family | Verified |
| 1634551 | XXXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1634551 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1634551 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1633221 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | DSCR | 0.960 | 1.020 | Verified |
| 1633221 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1633221 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Original P&I |  | 1041.20 | Verified |
| 1633221 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1633221 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1633221 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1633221 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Property Type | Condo-Lo 1-4 Stories | Condo-Hi >8 Stories | Verified |
| 1633221 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1633221 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1633037 | XXXXX | XXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1633037 | XXXXX | XXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 1633037 | XXXXX | XXXXX | DSCR |  | 1.510 | Verified |
| 1633037 | XXXXX | XXXXX | Doc Type | No Ratio | Debt Service Coverage | Verified |
| 1633037 | XXXXX | XXXXX | Original LTV | XXXXXXXX | XXXXXXXX | Verified |
| 1633037 | XXXXX | XXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1633037 | XXXXX | XXXXX | Original P&I |  | 721.95 | Verified |
| 1633037 | XXXXX | XXXXX | PITI |  | XXXXXXXX | Verified |
| 1633037 | XXXXX | XXXXX | Prepayment Penalty |  | Y | Verified |
| 1633037 | XXXXX | XXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1633037 | XXXXX | XXXXX | Property City | XXXXXXXXXXXXXX | XXXXXXXXXXXXX | Verified |
| 1633037 | XXXXX | XXXXX | QM Status | Non-QM | Exempt | Verified |
| 1633037 | XXXXX | XXXXX | Self-Employment Flag | Y | N | Verified |
| 1632990 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1632990 | XXXXXXXXX | XXXXXXXXXX | DSCR | 1.290 | 1.270 | Verified |
| 1632990 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | 20250401 | Verified |
| 1632990 | XXXXXXXXX | XXXXXXXXXX | Original Interest Rate | XXXXXX | XXXX | Verified |
| 1632990 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | 20550301 | Verified |
| 1632990 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1632990 | XXXXXXXXX | XXXXXXXXXX | Original P&I | 1491.78 | 1530.20 | Verified |
| 1632990 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1632990 | XXXXXXXXX | XXXXXXXXXX | Property Type | Planned Unit Development | PUD-Detached | Verified |
| 1632990 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1632990 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1634444 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1634444 | XXXXXXXXX | XXXXXXX | First Payment Date |  | 20250501 | Verified |
| 1634444 | XXXXXXXXX | XXXXXXX | Original Interest Rate | XXXXXX | XXXXXX | Verified |
| 1634444 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXXXXXXXXXXXX | Verified |
| 1634444 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634444 | XXXXXXXXX | XXXXXXX | Original P&I | 1398.55 | 1337.39 | Verified |
| 1634444 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1634444 | XXXXXXXXX | XXXXXXX | QM Status |  | Non-QM |  |
| 1634444 | XXXXXXXXX | XXXXXXX | Qualifying DTI | 34.01000 | 0.34285 | Verified |
| 1634557 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1634557 | XXXXXXXXX | XXXXXXX | DSCR | 1.063 | 1.050 | Verified |
| 1634557 | XXXXXXXXX | XXXXXXX | First Payment Date |  | 20250501 | Verified |
| 1634557 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXXXXXXXXXXXXXXXXXX | Verified |
| 1634557 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634557 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1634557 | XXXXXXXXX | XXXXXXX | Property Type | Planned Unit Development | PUD-Detached | Verified |
| 1634557 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1634557 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 1632552 | XXXXXXXXX | XXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1632552 | XXXXXXXXX | XXXXXXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1632552 | XXXXXXXXX | XXXXXXXXXXX | First Payment Date |  | 20250401 | Verified |
| 1632552 | XXXXXXXXX | XXXXXXXXXXX | Maturity Date |  | XXXXXXXXXXXXXxx | Verified |
| 1632552 | XXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1632552 | XXXXXXXXX | XXXXXXXXXXX | Original P&I | 768.91 | 725.07 | Verified |
| 1632552 | XXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1632552 | XXXXXXXXX | XXXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1632552 | XXXXXXXXX | XXXXXXXXXXX | QM Status |  | Non-QM |  |
| 1632552 | XXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 26.07000 | 0.30155 | Verified |
| 1633165 | XXXXXXXXX | XXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1633165 | XXXXXXXXX | XXXXXXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1633165 | XXXXXXXXX | XXXXXXXXXXX | First Payment Date |  | 20250401 | Verified |
| 1633165 | XXXXXXXXX | XXXXXXXXXXX | Maturity Date |  | 20550301 | Verified |
| 1633165 | XXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1633165 | XXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1633165 | XXXXXXXXX | XXXXXXXXXXX | Property Type | Single Family | PUD-Detached | Verified |
| 1633165 | XXXXXXXXX | XXXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1633165 | XXXXXXXXX | XXXXXXXXXXX | QM Status |  | Non-QM |  |
| 1633165 | XXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 15.25000 | 0.35522 | Verified |
| 1633147 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1633147 | XXXXXXXXX | XXXXXXXXXX | Doc Type | 12 Mo PL Statement CPA | Alternative Doc | Verified |
| 1633147 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | 20250401 | Verified |
| 1633147 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXXXXXXXXXXX | Verified |
| 1633147 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1633147 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1633147 | XXXXXXXXX | XXXXXXXXXX | Property Type | Single Family | Two Family | Verified |
| 1633147 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1633147 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Non-QM |  |
| 1633147 | XXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 46.65000 | 0.46492 | Verified |
| 1631020 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1631020 | XXXXXXXXX | XXXXXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1631020 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | 20250401 | Verified |
| 1631020 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXXXXXX | Verified |
| 1631020 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1631020 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Non-QM |  |
| 1631020 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1631020 | XXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 35.03000 | 0.35031 | Verified |
| 1633267 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1633267 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | 20250401 | Verified |
| 1633267 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXXXXX | Verified |
| 1633267 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1633267 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1633267 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1632622 | XXXXXXXXX | XXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1632622 | XXXXXXXXX | XXXXXXXX | First Payment Date |  | 20250401 | Verified |
| 1632622 | XXXXXXXXX | XXXXXXXX | Maturity Date |  | XXXXXXXXXXX | Verified |
| 1632622 | XXXXXXXXX | XXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1632622 | XXXXXXXXX | XXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1632622 | XXXXXXXXX | XXXXXXXX | QM Status |  | Exempt | Verified |
| 1632935 | XXXXXXXXX | XXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1632935 | XXXXXXXXX | XXXXXXXXX | First Payment Date |  | 20250401 | Verified |
| 1632935 | XXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXXXXXXXXX | Verified |
| 1632935 | XXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1632935 | XXXXXXXXX | XXXXXXXXX | Original P&I | 1018.82 | 1111.91 | Verified |
| 1632935 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1632935 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1632935 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1632935 | XXXXXXXXX | XXXXXXXXX | Product Code | DSCR-Inv | DSCR-Inv DTI | Verified |
| 1632935 | XXXXXXXXX | XXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1632935 | XXXXXXXXX | XXXXXXXXX | QM Status |  | Exempt | Verified |
| 1632954 | XXXXXXXXX | XXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1632954 | XXXXXXXXX | XXXXXXXXX | First Payment Date |  | 20250401 | Verified |
| 1632954 | XXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXXXXXXXXXX | Verified |
| 1632954 | XXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1632954 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1632954 | XXXXXXXXX | XXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1632954 | XXXXXXXXX | XXXXXXXXX | QM Status |  | Exempt | Verified |
| 1633271 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1633271 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | 20250401 | Verified |
| 1633271 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXXXXXXX | Verified |
| 1633271 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1633271 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXX | XXXXXX | Verified |
| 1633271 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1633271 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Non-QM |  |
| 1633271 | XXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 42.71000 | 0.42388 | Verified |
| 1630445 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1630445 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | 20250401 | Verified |
| 1630445 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXXXXXXXXX | Verified |
| 1630445 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1630445 | XXXXXXXXX | XXXXXXXXXX | Original Interest Rate | XXXXXX | XXXXXXX | Verified |
| 1630445 | XXXXXXXXX | XXXXXXXXXX | Original P&I | 704.46 | 730.51 | Verified |
| 1630445 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXX | XXXXXX | Verified |
| 1630445 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1630445 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1634692 | XXXXXXXXX | XXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1634692 | XXXXXXXXX | XXXXXXXXXXX | DSCR | 1.525 | 1.460 | Verified |
| 1634692 | XXXXXXXXX | XXXXXXXXXXX | First Payment Date |  | 20250501 | Verified |
| 1634692 | XXXXXXXXX | XXXXXXXXXXX | Original Interest Rate | XXXXXXX | XXXX | Verified |
| 1634692 | XXXXXXXXX | XXXXXXXXXXX | Maturity Date |  | XXXXXXXXX | Verified |
| 1634692 | XXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634692 | XXXXXXXXX | XXXXXXXXXXX | Original P&I | 798.08 | 844.85 | Verified |
| 1634692 | XXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXX | XXXXXX | Verified |
| 1634692 | XXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1634692 | XXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1634692 | XXXXXXXXX | XXXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1634692 | XXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1632554 | XXXXXXXXX | XXXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1632554 | XXXXXXXXX | XXXXXXXXXXXX | Appraised Value | XXXXXXXXXXXXXXXX | XXXXXXXX | Verified |
| 1632554 | XXXXXXXXX | XXXXXXXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 1632554 | XXXXXXXXX | XXXXXXXXXXXX | First Payment Date |  | 20250401 | Verified |
| 1632554 | XXXXXXXXX | XXXXXXXXXXXX | Original LTV | XXXXXXXX | XXXXXXXX | Verified |
| 1632554 | XXXXXXXXX | XXXXXXXXXXXX | Maturity Date |  | XXXXXXXXX | Verified |
| 1632554 | XXXXXXXXX | XXXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1632554 | XXXXXXXXX | XXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1632554 | XXXXXXXXX | XXXXXXXXXXXX | Product Code | Full Doc | NP30F | Verified |
| 1632554 | XXXXXXXXX | XXXXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1632554 | XXXXXXXXX | XXXXXXXXXXXX | QM Status |  | Non-QM |  |
| 1632554 | XXXXXXXXX | XXXXXXXXXXXX | Qualifying DTI | 40.08000 | 0.40083 | Verified |

---

![](tm264825d35_ex99-7img003.jpg)

**QM ATR Data**

**Run Date - 06/11/2026 2:53:44 PM**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 1634719 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1632990 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1634444 | XXXXXXXXX | XXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $1980.00 | 03/05/2025 | 8.949% | Self-Employed |  | US Citizen |  |  |  | Yes | $12582.42 |
| 1634557 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1632552 | XXXXXXXXX | XXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 02/03/2025 | 8.342% | Self-Employed |  | US Citizen |  |  |  | Yes | $4138.84 |
| 1633165 | XXXXXXXXX | XXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 02/13/2025 | 8.383% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $11168.96 |
| 1633147 | XXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 01/21/2025 | 8.787% | Self-Employed | Not Required | Non Permanent Resident Alien | ITIN IRS Letter | Non Permanent Resident Alien | ITIN Card | Yes | $4029.88 |
| 1631020 | XXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $15225.75 | 12/30/2024 | 9.074% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | Yes | $11052.96 |
| 1633267 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | Other |  |  | No |  |
| 1630650 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 1632053 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | 01/06/2025 | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1632848 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 1632622 | XXXXXXXXX | XXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1632935 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1632954 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1633151 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1633578 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $8356.50 | 02/14/2025 | 7.916% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $11147.37 |
| 1633579 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1634098 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 01/06/2025 | 9.611% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $8562.24 |
| 1634442 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1634551 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1633221 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1633271 | XXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 01/21/2025 | 8.53% | Self-Employed |  | US Citizen |  |  |  | Yes | $1768.65 |
| 1633037 | XXXXX | XXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1630445 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1634692 | XXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | Other |  |  | No |  |
| 1632554 | XXXXXXXXX | XXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $27421.60 | 01/10/2025 | 8.987% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $11118.78 |

---

![](tm264825d35_ex99-7img003.jpg)

**Business Purpose Data**

**Run Date - 06/11/2026 2:53:44 PM**

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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** |
| 1634719 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXXX | Acra Lending Seller Guide | DSCR- Foreign National | 20250106 | Debt Service Coverage | Yes | No | $0.00 | $1700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1700 | 1.09 | 1.09 | $1557.51 |  |  |  | Yes | $0.00 | Yes | YES | $165.00 | $90.47 | $95.92 | Stated, Verified | NO | 1 | 2 |  | Yes | No | Inexperienced | 15 | 5 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXX | 1 | 1994 | 1325 | 2 | 2.1 | C3 | XXXXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXX | FALSE | XXXXXXXXXXX |
| 1632990 | XXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXXX | Acra Lending Seller Guide | DSCR- Foreign National | 20250106 | Debt Service Coverage | Yes | No | $0.00 | $2800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2800 | 1.27 | 1.27 | $2208.46 |  |  |  | Yes | $0.00 | Yes | YES | $20.83 | $532.51 | $124.92 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Inexperienced | 3 | 5 | Non Permanent Resident Alien |  | 700 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXX | 1 | 2004 | 1897 | 3 | 2 | C3 | XXXXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXX | FALSE | XXXXXXXXXXX |
| 1634557 | XXXXXXXXX | XXXXXXX |  | XXXXXXXXXX | Acra Lending Seller Guide | AC30YrFx Citadel Non Conforming 30 | 20250106 | Debt Service Coverage | Yes | No | $0.00 | $2200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2200 | 1.05 | 1.05 | $2089.05 |  |  |  | Yes | $33100.00 |  | YES | $3.17 | $183.16 | $180.35 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 8 | 4.7 | US Citizen | US Citizen | 702 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXXX | Co-Borrower | Co-Borrower | XXXXXXXX | XXXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXX | 1 | 1985 | 2121 | 3 | 2 | C4 | XXXXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXX | FALSE | XXXXXXXXXXX |
| 1633267 | XXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXXX | Acra Lending Seller Guide | AC30YrFx Citadel Non Conforming 30 | 20250106 | Debt Service Coverage | Yes | No | $0.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2500 | 1.04 | 1.04 | $2404.97 |  |  |  | Yes | $30000.00 |  | NO | $0.00 | $388.79 | $163.50 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 10 | 7 | Non Permanent Resident Alien |  | 708 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXXXXXXXXXXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXX | 1 | 1929 | 796 | 2 | 1 | C4 | XXXXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXX | FALSE | XXXXXXXXXXX |
| 1630650 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXXX | Acra Lending Seller Guide | DSCR- Foreign National | 20240315 | Debt Service Coverage | Yes | No | $0.00 | $1980.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1980 | 1.02 | 1.02 | $1945.57 |  |  |  | Yes | $22600.00 |  | YES | $184.00 | $321.05 | $97.80 | Stated, Verified | NO | 1 | 1 |  | Yes | Yes | Inexperienced | 0 | 2 | Non Permanent Resident Alien | Non Permanent Resident Alien | 700 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXXX | XXXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | XXXXXXXXX | XXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | Not Required | Not Required | XXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXX | 1 | 2024 | 1709 | 3 | 2.1 | C1 | XXXXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXXX | FALSE | XXXXXXXXXXX |
| 1632053 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | 20250106 | Debt Service Coverage | Yes | No | $0.00 | $2250.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2250 | 0.81 | 0.81 | $2767.29 |  |  |  | Yes | $39500.00 |  | YES | $271.00 | $386.51 | $164.35 | Stated, Verified | NO | 2 | 3 |  | Yes | No | Inexperienced | 32 | 2 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXXXXXXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXX | 1 | 2024 | 1573 | 3 | 2 | C1 | XXXXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXXX | FALSE | XXXXXXXXXXX |
| 1632848 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | 20250106 | Debt Service Coverage | Yes | No | $0.00 | $3657.00 | FNMA 1007/216 | Short Term Rental Documents | Yes | AirBNB | 3657 |  |  | 3657 | 1.78 | 1.78 | $2050.07 |  |  |  | Yes | $27900.00 |  | YES | $198.00 | $299.05 | $71.61 | Stated, Verified | NO | 1 | 2 |  | Yes | Yes | Inexperienced | 157 | 3.9 | Non Permanent Resident Alien | Non Permanent Resident Alien | 700 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXXXXXXXXXXXXXXXXX | Co-Borrower | Co-Borrower | XXXXXX | XXXXXXXXXXXXXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXX | 1 | 2024 | 1358 | 3 | 3 | C1 | XXXXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXX | FALSE | XXXXXXXXXXX |
| 1632622 | XXXXXXXXX | XXXXXXXX |  | XXXXXXXXXX | Acra Lending Seller Guide | AC30YrFx Citadel Non Conforming 30 | 20250106 | Debt Service Coverage | Yes | Yes | $2200.00 | $2300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2200 | 1.14 | 1.14 | $1936.17 | 20250227 | 12 | No | Yes | $127600.00 |  | NO | $0.00 | $40.05 | $105.92 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 32 | 17 | US Citizen |  | 649 | 0 | 0 |  |  | 1 | 0 | 0 | 1 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXX | 1 | 1970 | 806 | 2 | 1 | C4 | XXXXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXX | FALSE | XXXXXXXXXXX |
| 1632935 | XXXXXXXXX | XXXXXXXXX |  | XXXXXXXXXX | Acra Lending Seller Guide | DSCR- Investor DTI NOO | 20250106 | Debt Service Coverage | Yes | Yes | $1050.00 | $1050.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1050 | 0.81 | 0.81 | $1289.71 | 20241001 | 1 |  | Yes | $100000.00 |  | NO | $0.00 | $114.92 | $62.88 | Not Stated, not Verified | NO | 3 | 9 |  | No | No | Experienced | 100 | 17 | US Citizen |  | 668 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXX | 1 | 1940 | 780 | 2 | 1 | C3 | XXXXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXXXXXXXX | FALSE | XXXXXXXXXXX |
| 1632954 | XXXXXXXXX | XXXXXXXXX |  | XXXXXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | 20250106 | Debt Service Coverage | Yes | Yes | $1600.00 | $1450.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1450 | 0.9 | 0.9 | $1606.71 | 20250305 | 1 | Yes | Yes | $100000.00 |  | NO | $0.00 | $194.81 | $67.26 | Not Stated, not Verified | NO | 3 | 9 |  | No | No | Experienced | 97 | 0 | US Citizen |  | 668 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXX | 1 | 1930 | 1057 | 3 | 1 | C3 | XXXXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXXXXXXXX | FALSE | XXXXXXXXXXX |
| 1633151 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | 20250106 | Debt Service Coverage | Yes | No | $0.00 | $1980.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1980 | 1.02 | 1.02 | $1938.22 |  |  |  | Yes | $29600.00 |  | YES | $138.00 | $467.28 | $62.75 | Stated, Verified | NO | 1 | 2 |  | Yes | No | Inexperienced | 15 | 2 | Non Permanent Resident Alien |  | 700 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXX | 1 | 2024 | 1491 | 3 | 2 | C1 | XXXXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXX | FALSE | XXXXXXXXXXX |
| 1633579 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | 20250106 | Debt Service Coverage | Yes | Yes | $2000.00 | $2000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2000 | 0.95 | 0.95 | $2096.81 | 20251231 | 12 | No | Yes | $12500.00 |  | YES | $1015.68 | $267.30 | $82.00 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 47 | 4.9 | US Citizen |  | 660 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXX | 1 | 1992 | 1201 | 2 | 2 | C3 | XXXXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXX | FALSE | XXXXXXXXXXX |
| 1634442 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | 20250201 | Debt Service Coverage | Yes | No | $0.00 | $3025.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3025 | 1.14 | 1.14 | $2653.50 |  |  |  | Yes | $33300.00 |  | YES | $165.75 | $584.18 | $121.57 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Inexperienced | 6 | 2 | Non Permanent Resident Alien |  | 700 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXXXXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXX | 1 | 2024 | 1986 | 4 | 2.1 | C1 | XXXXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXXX | FALSE | XXXXXXXXXXX |
| 1634551 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXXX | Acra Lending Seller Guide | DSCR- Foreign National | 20250106 | Debt Service Coverage | Yes | No | $0.00 | $1450.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1450 | 1.01 | 1.01 | $1441.84 |  |  |  | No |  |  | NO | $0.00 | $209.81 | $141.67 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Inexperienced | 13 | 2 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXX | 1 | 1951 | 1260 | 3 | 1 | C3 | XXXXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXX | FALSE | XXXXXXXXXXX |
| 1633221 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXX | Acra Lending Seller Guide | DSCR- ITIN | 20250106 | Debt Service Coverage | Yes | No | $0.00 | $2750.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2750 | 1.02 | 1.02 | $2694.46 |  |  |  | Yes | $27800.00 |  | YES | $1081.00 | $409.84 | $162.42 | Stated, Verified | NO | 1 | 2 |  | Yes | No | Experienced | 48 | 3.1 | Non Permanent Resident Alien |  | 755 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXX | 1 | 2007 | 1690 | 2 | 2 | C3 | XXXXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXX | FALSE | XXXXXXXXXXX |
| 1633037 | XXXXX | XXXXX |  | XXXXXXXXXX | Acra Lending Seller Guide | DSCR- Investor DTI NOO | 20250106 | Debt Service Coverage | Yes | Yes | $2500.00 | $2500.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2500 | 1.51 | 1.51 | $1660.35 | 20250228 | 12 |  | No |  |  | NO | $0.00 | $690.23 | $248.17 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 23 | 10 | US Citizen |  | 684 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXX | 1 | 1947 | 1714 | 4 | 2 | C4 | XXXXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXX | FALSE | XXXXXXXXXXX |
| 1630445 | XXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | 20240315 | Debt Service Coverage | Yes | Yes | $2450.00 | $1500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1500 | 1.59 | 1.59 | $974.46 | 20250501 | 12 | No | Yes | $21800.00 |  | NO | $0.00 | $132.37 | $111.58 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 20 | 1 | US Citizen |  | 681 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXX | 1 | 1900 | 1397 | 2 | 1.1 | C3 | XXXXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXX | FALSE | XXXXXXXXXXX |
| 1634692 | XXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXX | Acra Lending Seller Guide | DSCR- Investor NOO | 20250106 | Debt Service Coverage | Yes | Yes | $1350.00 | $1525.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1350 | 1.46 | 1.46 | $926.89 | 20251231 | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $41.37 | $40.67 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 96 | 1.9 | Non Permanent Resident Alien |  | 640 | 0 | 0 |  |  | 1 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXX | XXXXXXXXXXXXXX |  | Non Permanent Resident Alien | Stated, Verified | 668 | 640 | 565 |  |  |  |  | Not Stated, not Verified |  |  |  | Not Required | Not Required | XXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXX | 1 | 1942 | 1120 | 3 | 1 | C3 | XXXXXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXXX | FALSE | XXXXXXXXXXX |

---

![](tm264825d35_ex99-7img003.jpg)

**Sample Grading Summary**

**Run Date - 06/11/2026 2:53:44 PM**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Compliance Results Summary | Compliance Results Summary | Compliance Results Summary | Compliance Results Summary | Compliance Results Summary | Compliance Results Summary | Compliance Results Summary | Compliance Results Summary | Compliance Results Summary | Compliance Results Summary | Compliance Results Summary |
| **NRSRO Grade** | **DBRS** | **DBRS** | **Fitch** | **Fitch** | **KBRA** | **KBRA** | **Moody's** | **Moody's** | **S&P** | **S&P** |
| **NRSRO Grade** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** |
| A | 8 | 29.63% | 8 | 29.63% | 8 | 29.63% | 8 | 29.63% | 8 | 29.63% |
| B | 1 | 3.70% | 1 | 3.70% | 1 | 3.70% | 1 | 3.70% | 1 | 3.70% |
| C |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |
| D |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |
| N/A | 18 | 66.67% | 18 | 66.67% | 18 | 66.67% | 18 | 66.67% | 18 | 66.67% |
| **Total** | **27** | **100.00%** | **27** | **100.00%** | **27** | **100.00%** | **27** | **100.00%** | **27** | **100.00%** |
| Credit Results Summary | Credit Results Summary | Credit Results Summary | Credit Results Summary | Credit Results Summary | Credit Results Summary | Credit Results Summary | Credit Results Summary | Credit Results Summary | Credit Results Summary | Credit Results Summary |
| **NRSRO Grade** | **DBRS** | **DBRS** | **Fitch** | **Fitch** | **KBRA** | **KBRA** | **Moody's** | **Moody's** | **S&P** | **S&P** |
| **NRSRO Grade** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** |
| A | 26 | 96.30% | 26 | 96.30% | 26 | 96.30% | 26 | 96.30% | 26 | 96.30% |
| B | 1 | 3.70% | 1 | 3.70% | 1 | 3.70% | 1 | 3.70% | 1 | 3.70% |
| C |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |
| D |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |
| N/A |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |
| **Total** | **27** | **100.00%** | **27** | **100.00%** | **27** | **100.00%** | **27** | **100.00%** | **27** | **100.00%** |
| Property/Valuation Results Summary | Property/Valuation Results Summary | Property/Valuation Results Summary | Property/Valuation Results Summary | Property/Valuation Results Summary | Property/Valuation Results Summary | Property/Valuation Results Summary | Property/Valuation Results Summary | Property/Valuation Results Summary | Property/Valuation Results Summary | Property/Valuation Results Summary |
| **NRSRO Grade** | **DBRS** | **DBRS** | **Fitch** | **Fitch** | **KBRA** | **KBRA** | **Moody's** | **Moody's** | **S&P** | **S&P** |
| **NRSRO Grade** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** |
| A | 27 | 100.00% | 27 | 100.00% | 27 | 100.00% | 27 | 100.00% | 27 | 100.00% |
| B |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |
| C |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |
| D |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |
| N/A |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |
| **Total** | **27** | **100.00%** | **27** | **100.00%** | **27** | **100.00%** | **27** | **100.00%** | **27** | **100.00%** |
| Overall Results Summary | Overall Results Summary | Overall Results Summary | Overall Results Summary | Overall Results Summary | Overall Results Summary | Overall Results Summary | Overall Results Summary | Overall Results Summary | Overall Results Summary | Overall Results Summary |
| **NRSRO Grade** | **DBRS** | **DBRS** | **Fitch** | **Fitch** | **KBRA** | **KBRA** | **Moody's** | **Moody's** | **S&P** | **S&P** |
| **NRSRO Grade** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** |
| A | 25 | 92.59% | 25 | 92.59% | 25 | 92.59% | 25 | 92.59% | 25 | 92.59% |
| B | 2 | 7.41% | 2 | 7.41% | 2 | 7.41% | 2 | 7.41% | 2 | 7.41% |
| C |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |
| D |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |
| N/A |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |
| **Total** | **27** | **100.00%** | **27** | **100.00%** | **27** | **100.00%** | **27** | **100.00%** | **27** | **100.00%** |

---

![](tm264825d35_ex99-7img003.jpg)

**Additional Detail Summary**

**Run Date - 06/11/2026 2:53:44 PM**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Amortization Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |  |
| Fixed | 27 | 100.00% | $6309767.00 | 100.00% |  |
| Adjustable |  | 0.00% |  | 0.00% |  |
| **Total** | **27** | **100.00%** | **$6309767.00** | **100.00%** |  |
| **Lien Position** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |  |
| First | 27 | 100.00% | $6309767.00 | 100.00% |  |
| Other |  | 0.00% |  | 0.00% |  |
| **Total** | **27** | **100.00%** | **$6309767.00** | **100.00%** |  |
| **Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** | **Appendix A ASF Dictionary Pge 82** |
| Cash Out: Debt Consolidation | 2 | 7.41% | $393600.00 | 6.24% |  |
| Cash Out: Home Improvement/Renovation |  | 0.00% |  | 0.00% |  |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 10 | 37.04% | $2781500.00 | 44.08% |  |
| Limited Cash-Out |  | 0.00% |  | 0.00% |  |
| First Time Home Purchase |  | 0.00% |  | 0.00% |  |
| Other-than-first-time Home Purchase | 14 | 51.85% | $3033917.00 | 48.08% |  |
| Rate/Term Refinance - Borrower Initiated | 1 | 3.70% | $100750.00 | 1.60% |  |
| **Total** | **27** | **100.00%** | **$6309767.00** | **100.00%** |  |
| **Original Term to Maturity** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |  |
| 12 |  | 0.00% |  | 0.00% |  |
| 120 - 360 | 27 | 100.00% | $6309767.00 | 100.00% |  |
| 361+ |  | 0.00% |  | 0.00% |  |
| **Total** | **27** | **100.00%** | **$6309767.00** | **100.00%** |  |
| **Property Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** | **Appendix D ASF Pge 84** |
| Single Family Detached | 12 | 44.44% | $2811800.00 | 44.56% |  |
| Condo, Low Rise | 1 | 3.70% | $110000.00 | 1.74% |  |
| Condo, High Rise | 1 | 3.70% | $143600.00 | 2.28% |  |
| Condotel |  | 0.00% |  | 0.00% |  |
| PUD | 7 | 25.93% | $1893874.00 | 30.01% |  |
| Townhouse | 3 | 11.11% | $597293.00 | 9.47% |  |
| Multi-wide Manufactured Housing | 1 | 3.70% | $100000.00 | 1.58% |  |
| 1 Family Attached |  | 0.00% |  | 0.00% |  |
| 2 Family | 1 | 3.70% | $180700.00 | 2.86% |  |
| 3 Family | 1 | 3.70% | $472500.00 | 7.49% |  |
| 4 Family |  | 0.00% |  | 0.00% |  |
| 5-10 Unit Multi-Family |  | 0.00% |  | 0.00% |  |
| **Total** | **27** | **100.00%** | **$6309767.00** | **100.00%** |  |
| **Occupancy** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** | **Appendix E ASF Pge 84** |
| Primary | 9 | 33.33% | $3033950.00 | 48.08% |  |
| Second Home |  | 0.00% |  | 0.00% |  |
| Investment | 18 | 66.67% | $3275817.00 | 51.92% |  |
| **Total** | **27** | **100.00%** | **$6309767.00** | **100.00%** |  |
| **Profile** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** | **Extrapolated from other data** |
| Full Credit/Compliance | 9 | 33.33% | $3033950.00 | 48.08% |  |
| Business Purpose | 18 | 66.67% | $3275817.00 | 51.92% |  |
| **Total** | **27** | **100.00%** | **$6309767.00** | **100.00%** |  |

---

![](tm264825d35_ex99-7img003.jpg)

**Data Integrity Summary**

**Run Date - 06/11/2026 2:53:44 PM**

---

| | | | |
|:---|:---|:---|:---|
| **Field Label** | **# Loans with Discrepancy** | **Total Time Compared** | **% Variance** |
| Amortization Type | 15 | 27 | 55.56% |
| Appraised Value | 2 | 27 | 7.41% |
| DSCR | 8 | 27 | 29.63% |
| Doc Type | 10 | 27 | 37.04% |
| First Payment Date | 17 | 27 | 62.96% |
| Maturity Date | 17 | 27 | 62.96% |
| Note Date | 19 | 27 | 70.37% |
| Occupancy | 6 | 27 | 22.22% |
| Original CLTV | 2 | 27 | 7.41% |
| Original Interest Rate | 4 | 27 | 14.81% |
| Original LTV | 2 | 27 | 7.41% |
| Original P&I | 18 | 27 | 66.67% |
| PITI | 24 | 27 | 88.89% |
| Prepayment Penalty | 10 | 27 | 37.04% |
| Prepayment Penalty Type | 11 | 27 | 40.74% |
| Product Code | 6 | 27 | 22.22% |
| Property City | 1 | 27 | 3.70% |
| Property Type | 10 | 27 | 37.04% |
| QM Status | 26 | 27 | 96.30% |
| Qualifying Credit Score | 3 | 27 | 11.11% |
| Qualifying DTI | 9 | 27 | 33.33% |
| Sales Price | 15 | 27 | 55.56% |
| Self-Employment Flag | 3 | 27 | 11.11% |

---

## Exhibit 99.8

**Exhibit 99.8**

**EXECUTIVE SUMMARY**

**SAN 2026-NQMS1**

**<u>Description of the due diligence performed</u>**

**Overview of the assets that were reviewed**

Incenter Lender Services LLC, c/k/a Incenter Diligence Solutions and f/k/a Edgemac ("Incenter Diligence"), performed an independent third-party due diligence review of 121 loans acquired by Santander Bank N.A. (the "Client"). The review was performed from March 2022 to June 2022, using the scope of review described herein, which was agreed to at the time of review. The results of the review performed by Incenter Diligence only reflect information concerning the related loans on which such review was performed as of the date such review was performed based on the scope of review used as of the date such review was performed and not as of any subsequent date. Incenter Diligence has not subsequently performed any review with respect to the loans, and Incenter Diligence will not be required to complete or provide any additional, new, or refreshed review or results with respect to the loans. For preparation of this report, Incenter Diligence has relied on historical reports and information supplied at the time of the original review due to the fact that live, original data is no longer available.

**Sampling of assets**

Incenter Diligence follows the nationally recognized statistical rating organizations, NRSRO(s), criteria. For all originators, Incenter Diligence performed review on 100% of the loans. The loan population was 121 loans for an aggregate original principal balance of $59,388,436.00.

The review was conducted in accordance with the following NRSRO(s) Third Party Due Diligence Criteria:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria April 18, 2022 |

---

**Data integrity, review scope and methodology**

**Data Integrity –** Incenter Diligence performed a data integrity analysis by comparing the information in the loan file against the data tape supplied by the Client to ascertain accuracy and completeness. All discrepancies are reported on the Data Comparison Report.

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The data comparison consisted of the following data fields:

---

| |
|:---|
| &nbsp;&nbsp;**Data Compare Field Name** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Appraisal Value |
| &nbsp;&nbsp;Appraiser Name |
| &nbsp;&nbsp;Back/Qual DTI |
| &nbsp;&nbsp;Borrower First Name |
| &nbsp;&nbsp;Borrower Last Name |
| &nbsp;&nbsp;Coborrower 1 First Name |
| &nbsp;&nbsp;Coborrower 1 Last Name |
| &nbsp;&nbsp;Doc Type |
| &nbsp;&nbsp;Doc Type Level |
| &nbsp;&nbsp;DSCR |
| &nbsp;&nbsp;Front DTI |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;FTHB Flag |
| &nbsp;&nbsp;Interest Rate Initial Cap |
| &nbsp;&nbsp;Interest Rate Life Cap |
| &nbsp;&nbsp;Interest Rate Periodic Cap |
| &nbsp;&nbsp;Interest Rate Rate Change Frequency |
| &nbsp;&nbsp;Interest Rate Life Floor |
| &nbsp;&nbsp;Interest Type |
| &nbsp;&nbsp;Investor Qualifying DSCR |
| &nbsp;&nbsp;Investor Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy Type |
| &nbsp;&nbsp;Original / Note Payment |
| &nbsp;&nbsp;Original CLTV |
| &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Original Term to Maturity |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;QM Designation |
| &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Self Employed Mortgagor |
| &nbsp;&nbsp;Self Employed Co-Borrower |

---

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**Underwriting Conformity**

Incenter Diligence performed a complete review of all loan files, as supplied by the Client, to determine whether the loans were originated in accordance with the Client's underwriting guidelines, eligibility requirements, Ability to Repay (ATR), Qualified Mortgage and Appendix Q requirements (where applicable), and applicable Policies & Procedures, noting any exceptions and compensating factors. The review included, where applicable, the following items:

**Conformance to Ability to Repay (ATR) standards** – Incenter Diligence reviewed each loan to validate that the underwriter correctly assessed the borrower's ability to repay based on employment and credit/repayment history, income and assets, projected monthly payment and current obligations, debt to income ratio, and other information provided to support ability to repay prior to originating the loan.

**An evaluation of Qualified Mortgage and Appendix Q requirements, if applicable** – Based on the information provided, Incenter Diligence will review each loan to determine that it satisfies all requirements for a Qualified Mortgage, if designated as such, including an evaluation of points of fees, risk factors associated with the loan terms, re-calculation of debt to income and a review of all income and assets.

**Credit, Income, Assets and Employment**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate that the appropriate employment
 and income documentation, such as pay stubs, tax transcripts, and bank statements, was provided
 and used to accurately qualify the borrower according to guidelines. Recalculate the borrower's
 income and debt to determine the appropriate debt to income ratio in accordance with the
 guidelines. Validate borrower's employment history and confirm that the appropriate
 income and assets were used to qualify. Make a reasonable assessment of whether there are
 any indications that income documentation may be fraudulent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Validate that assets used to qualify the
 borrower match the documentation in the file and the information used to calculate down payment,
 closing costs, and reserves meet program guideline requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review exceptions, compensating factors and
 underwriter comments, if available

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review program guidelines against the loan
 approval for discrepancies such as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Employment
 requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Income
 requirements (such as DTI, etc);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Asset
 requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review the loan approval against all supporting
 documentation and loan application to verify accuracy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review the initial loan application against
 the final loan application or other loan applications found in the file to validate the application
 was signed, properly completed and to expose discrepancies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Evaluate that a credit report has been provided
 for all borrowers and assess whether it was pulled in a timely manner and that the credit
 scores meet applicable guidelines. Verify whether any fraud alerts are listed on the credit
 reports and make a reasonable assessment of whether the borrower's profile adheres
 to applicable guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;H. Review the loan file for inconsistencies
 based on information derived from source documentation provided in the loan file, for the
 purposes of identifying misrepresentations contained in the loan file, including with respect
 to occupancy and mortgage liabilities.

**Occupancy, Taxes, Title and Insurance**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review for occupancy representation versus
 occupancy type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Review the title report for possible judgments
 and other liens that may have existed upon origination; verify chain of title.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Verify and validate the file contains sufficient
 property insurance coverage as required by guidelines; confirm property insurance policy
 contains appropriate mortgagee clause. For subject properties located in a Special Flood
 Hazard Area where flood insurance is required, verify and validate the file contains sufficient
 flood insurance coverage as required by guidelines and that flood insurance policy contains
 appropriate mortgagee clause.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review property details on appraisal including
 a review for ineligible properties

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**Property Valuation Review** 

Incenter Diligence performed a standard property valuation Desktop Review on all loans to ensure the original property valuation in the loan file supports the subject property and to determine whether there are any indicators of misrepresentation. The evaluation included the following components:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review
 the original appraisal report to ensure the valuation was performed by a licensed appraiser
 and in accordance with guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Verify
 subject property type meets applicable guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Validate
 that the values used do not exceed 6 months in age,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Note
 any exceptions to stated value or appraisal guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify
 value used to calculate LTV/CLTV and note any deviations,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Verify
 the appraisal report matches loan documents, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Review
 additional valuation products in the file; if there is a 10% variance, Client is notified
 and an additional independent valuation product will be obtained.

**Regulatory Compliance Review**

Incenter Diligence's Regulatory Compliance analysis is intended to expose certain potential risk associated with the loans examined. It is strictly limited to the review scope outlined below and is based solely on the accuracy of the documentation and data supplied by the Client or other agreed upon third parties. The review findings are not guaranteed to encompass all critical elements related to the underwriting, origination or regulatory compliance status of the loans examined. Further, the findings are not to be construed as guidance on future indicators of positive or negative performance.

Incenter Diligence performed a review of all loans supplied by the Client to verify all documentation provided is complete and complies with all applicable federal and state regulatory requirements, in addition to following the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope") and the advice of outside counsel. In addition, Incenter Diligence utilizes the ComplianceAnalyzer tool by ComplianceEase. Incenter Diligence's conclusions are representative of our best efforts to identify material risks and exceptions associated with each loan based on interpretation of the continually evolving regulations.

Incenter Diligence does not employ personnel who are licensed to practice law in the various jurisdictions and the findings set forth in the reports prepared by Incenter Diligence do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Incenter Diligence. All final decisions as to whether to purchase or enter into a transaction related to any individual loan or the loans in the aggregate and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such loan or loans, shall be made solely by the clients that have engaged Incenter Diligence to prepare their reports pursuant to their instructions and guidelines. Client acknowledges and agrees that the scoring models applied by Incenter Diligence are designed to identify potential risk and the Client assumes sole responsibility for determining the suitability of the information for its particular use.

Incenter Diligence reviewed each loan to validate compliance with the following federal and state regulatory requirements, whenever applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**A.** **Truth In Lending Act - 12 CFR §1026 ("TILA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal TILA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Finance Charge Test (12 CFR §1026.18(d)(1)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. It is understated by no more than $100; 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;ii. It is greater than the amount required to be disclosed

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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;b. Rescission Finance Charge Test (12 CFR §1026.23(h)(2)i)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. It is understated by no more than $35; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. It is greater than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Rescission Total of Payments Test (12 CFR §1026.23(h)(2)(ii)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Is understated by no more than $35; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Is greater than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Foreclosure Rescission Finance Charge and Total of Payments Tests(12 CFR §1026.23(h)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. APR Test 12 CFR §1026.22(a)(2), (4)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosed annual percentage rate (APR) is considered accurate because it is not more than 1/8 of 1
percentage (for regular transactions) or 1/4 of 1 percentage (for irregular transactions) point above or below the APR as determined in
accordance with the actuarial method; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The disclosed APR results from the disclosed finance charge, and the disclosed finance charge is considered
accurate under §1026.18(d)(1) (the finance charge test), or for purposes of rescission the disclosed finance charge is considered
accurate under §1026.23(g) or (h) (the rescission finance charge test or the foreclosure rescission finance charge test), whichever
applies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Right of Rescission Test (12 CFR §1026.23(a)(3), §1026.15(a)(3),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The funding date is not before the third business day following consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The consumer may exercise the right to rescind until midnight of the third business day following consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Validate Right of Rescission Notice was provided and provides the correct date for ability to cancel

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Dual Broker Compensation Test (12 CFR §1026.36(d)(2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If any loan originator receives compensation directly from a consumer in a consumer credit transaction
secured by a dwelling, no loan originator shall receive compensation, directly or indirectly, from any other person other than the consumer
in connection with the transaction for loan origination activities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Loan Originator Credits Test (12 C.F.R. §1026.36(d)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Test that the initial disclosure (GFE/TIL/LE) does not contain any broker fees paid by the broker

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Financing of Single Premium Credit Insurance Test (12 CFR §1026.36 (i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A creditor may not finance, directly or indirectly, any premiums or fees for credit insurance in connection
with a consumer credit transaction secured by a dwelling (including a home equity line of credit secured by the consumer's principal dwelling

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Initial TIL Disclosure (Pre-TRID)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Initial TIL Disclosure Date Test (12 CFR §1026.17(b),1026.19(a)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan is a mortgage transaction subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601
et seq.) that is secured by the consumer's dwelling; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The initial TIL disclosure date is not later than the third business day (counting days on which the creditor's
offices are open to the public for carrying on substantially all of its business functions) after the creditor receives the consumer's
written application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. The initial TIL disclosure date is not later than the seventh business day (counting all calendar days
except Sunday and specified legal public holidays) before consummation of the transaction, or the application date of the loan is before
July 30, 2009; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures
Act (12 U.S.C. §2601 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. The initial TIL disclosure date is before consummation or three business days after the creditor receives
the consumer's written application, whichever is earlier

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. TILA RESPA Integrated Disclosures (TRID)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Initial Loan Estimate Delivery Date Test (from application) (12 CFR §1026.19(e)(1)(iii)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i)
(provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Initial Loan Estimate Delivery Date Test (prior to consummation) (12 CFR §1026.19(e)(1)(iii)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(e)(1)(i)
(provision of loan estimate form) not later than the seventh business day before consummation of the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Written List of Service Providers (SSPL) Disclosure Date Test (12 CFR §1026.19(e)(1)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer
with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider
for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted
to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i)
but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Your Home Loan Toolkit (§1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify there is evidence that the disclosure was provided to the borrower

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Borrowers Intent to Proceed (§1026.19); (§1026.25)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify there is evidence in the file indicating the borrowers intent to proceed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If the lender documents the borrowers intent to proceed on a standalone disclosure, validate the borrower
signed and dated the disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Revised Loan Estimate Delivery Date Test (prior to consummation) (12 CFR §1026.19(e)(4)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i)
on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a
revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the
revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered
to have received such version three business days after the creditor delivers or places such version in the mail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Valid Change of Circumstances Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The changed circumstance(s) form was provided and the reason for re-disclosure is:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Changed circumstance affecting settlement charges; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Changed circumstance affecting eligibility; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Revisions requested by the consumer; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Expiration of initial loan estimate; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Delayed settlement date on a construction loan for new construction transactions only; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. The date the rate was set was not provided and Interest rate dependent charges change once the interest
rate is locked;" or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. The reason for re-disclosure is "Decrease in charges affecting settlement or eligibility, a consumer-requested
revision, or other non-tolerance-related re-disclosure;" or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. The initial loan estimate was not delivered timely

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Initial Closing Disclosure Delivery Date Test (12 CFR §1026.19(f)(1)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i)
no later than three business days before consummation

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Revised Closing Disclosure Delivery Date Test (waiting period vs. no waiting period required) (12 CFR
 §1026.19(f)(2)(i) & (ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor
shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures
at or before consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If the consumer determines that the extension of credit is needed to meet a bona fide personal financial
emergency, the consumer may modify or waive the three-business-day waiting period for the revised closing disclosure after receiving the
disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. TRID Tolerance Testing - Charges That Cannot Increase Test (12 CFR §1026.19(e)(3)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by
or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. TRID Tolerance Testing - Charges That in Total Cannot Increase More Than 10% Test (12 CFR §1026.19(e)(3)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The aggregate amount of charges for third-party services and recording fees paid by or imposed on the
consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. TRID Tolerance Testing - Lender Credits That Cannot Decrease Test (12 CFR §1026.19(e)(3)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by
or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. TRID Reimbursement Amount Test (12 CFR §1026.19(f)(2)(v))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified
under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer
no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. TRID Reimbursement Date Test (12 CFR §1026.19(f)(2)(v))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified
under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer
no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o. Disclosure of Escrow Account (§1026.38(l)(7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the loan indicates an escrow account will be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify all amounts disclosed in the Projected Payments Table are accurate (§1026.38)(c); (§1026.37(c)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify all amounts disclosed in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate (§1026.37(c)(4),(5)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify all amounts disclosed in Section G – Initial Escrow Payment and Closing are accurate (§1026.37(g)(3)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Verify all amounts disclosed in the Escrow Account Section are accurate (§1026.38(l)(7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If the loan indicates an escrow account will not be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify all amounts disclosed in the Projected Payments Table are accurate (§1026.38(c); (§1026.37(c)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify all amounts disclosed in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate (§1026.37(c)(4),
(5) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify all amounts disclosed in the Escrow Account Section are accurate (§1026.38(l)(7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Disclosure of Seller Paid Closing Costs (§1026.38(t)(5)(v)(B)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. In transactions involving a seller, validate whether the lender disclosed all costs being paid by the
seller on the borrowers Closing Disclosure

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If seller paid fees are present on the borrower's Closing Disclosure, review the seller's
Closing Disclosure or alternative documentation for accuracy of disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;q. Post-consummation Event and Revised Closing Disclosure Delivery Date Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The post-consummation revised closing disclosure delivery date is not more than 60 calendar days after
the consummation date, or closing / settlement date if no consummation date was provided; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The provided reimbursement date is not more than 60 calendar days after the consummation date, or closing
/ settlement date if no consummation date was provided

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;r. Non-numeric Clerical Error and Post-consummation Revised Closing Disclosure Delivery Date Test (12 CFR
 §1026.19(f)(2)(iv))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A creditor does not violate §1026.19(f)(1)(i) if the disclosures provided under §1026.19(f)(1)(i)
contain non-numeric clerical errors, provided the creditor delivers or places in the mail corrected disclosures no later than 60 days
after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;s. Loan Calculation Test on the Closing Disclosure (12 CFR §1026.38)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Total Interest Percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Qualified Mortgage / Ability To Repay – Dodd Frank

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Classification of QM designated loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Validate whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's
actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Determination of conformity thresholds (Safe Harbor or Rebuttable Presumption

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Negative Amortization Loan (12 CFR 1026.43(e)(2)(i)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A qualified mortgage is a covered transaction that provides for regular periodic payments that are substantially
equal, except for the effect that any interest rate change after consummation has on the payment in the case of an adjustable-rate or
step-rate mortgage, that does not result in an increase of the principal balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Interest Only Loan (12 CFR 1026.43(e)(2)(i)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A qualified mortgage is a covered transaction that provides for regular periodic payments that are substantially
equal, except for the effect that any interest rate change after consummation has on the payment in the case of an adjustable-rate or
step-rate mortgage, that does not allow the consumer to defer repayment of principal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Balloon Payment Loan (12 CFR 1026.43(e)(2)(i)(C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A qualified mortgage is a covered transaction that provides for regular periodic payments that are substantially
equal, except for the effect that any interest rate change after consummation has on the payment in the case of an adjustable-rate or
step-rate mortgage, that does not result in a balloon payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Loan Term (12 CFR 1026.43(e)(2)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A qualified mortgage is a covered transaction for which the loan term does not exceed 30 years

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Points and Fees (12 CFR §1026.43(e)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points and fees do not exceed the qualified mortgage points and fees threshold

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DTI (12 CFR §1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ratio of the consumer's total monthly debt to total monthly income at the time of consummation does
not exceed 43 percent, calculated in accordance with Appendix Q

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Prepayment Penalty (12 CFR 1026.43(g))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A covered transaction must not include a prepayment penalty unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The prepayment penalty is otherwise permitted by law; and the transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Has an annual percentage rate that cannot increase after consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Is a qualified mortgage under paragraph (e)(2), (e)(4), or (f) of this section; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Is not a Higher Priced Mortgage Loan, as defined in § 1026.35(a)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Home Ownership and Equity Protection Act – HOEPA (Sections 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Federal HOEPA coverage (12 CFR §1026.32(a)(1)(i), (ii)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Tests that the loan is/is not secured by the consumer's principal dwelling; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Tests that the loan is/ is not an open-end credit plan; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. That the application date of the loan occurs before/ after the effective date of October 1, 1995; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. That the date the creditor received application occurs on or after January 10, 2014, the effective date
of the High-Cost Mortgage amendments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. High-Cost Mortgage APR threshold test (12 CFR §1026.32(a)(1)(i)(A), (C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan is secured by a first-lien transaction, and the annual percentage rate (APR) does not exceed
the Average Prime Offer Rate by more than 6.5%; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The loan is a subordinate-lien transaction, and the annual percentage rate (APR), does not exceed the
Average Prime Offer Rate by more than 8.5%

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. High-Cost Mortgage Points and Fees Threshold Test (12 CFR §1026.32(a)(1)(ii)(A), (B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The total points and fees does not exceed allowable limits per the given loan amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. High-Cost Mortgage Prepayment Penalty Threshold Test (12 CFR §1026.32(a)(1)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan contract or open-end credit agreement does not allow the creditor to charge:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A prepayment penalty more than 36 months after consummation or account opening; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Prepayment penalties that can exceed, in total, more than 2 percent of the amount prepaid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. High-Cost Mortgage (12 CFR §1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. High-Cost Mortgage Repayment Ability Test (12 CFR §1026.34(a)(4), 1026.43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Other high-costs tests pursuant to (12 CFR §1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing of disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Balloon payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Negative amortization

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Prepayment penalty

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Pre-loan counseling

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Late charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Grace period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Financing of points and fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Higher Priced Mortgage Loan – HMPL (section 35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Higher Priced Mortgage Loan test (12 CFR §1026.35(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Higher Priced Mortgage Loan required escrow account test (12 CFR §1026.35(a)(1), (b)(2)(i)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Higher Priced Mortgage Loan prepayment term test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Higher Priced Mortgage Loan escrow account test (12 CFR §1026.35(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Prohibited Acts – Brokers Comp

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Broker Compensation Test (12 CFR §1026.36(d)(2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If any loan originator receives compensation directly from a consumer in a consumer credit transaction
secured by a dwelling:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. No loan originator shall receive compensation, directly or indirectly, from any person other than the
consumer in connection with the transaction; and

Page 9 of 15

![](tm264825d35_ex99-8img001.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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. No person who knows or has reason to know of the consumer-paid compensation to the loan originator (other
than the consumer) shall pay any compensation to a loan originator, directly or indirectly, in connection with the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Nationwide Mortgage Licensing System (NMLS) Tests (12 CFR §1026.36)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. verify the data against the NMLSR database, as available

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**B.** **Real Estate Settlement Procedures Act – 12 CFR §1024 ("RESPA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal RESPA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Homeownership Counseling Organizations Disclosure Date Test (12 CFR §1024.20(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Not later than three business days after a lender, mortgage broker, or dealer receives an application,
or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written
list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The list of homeownership counseling organizations distributed to each loan applicant under this section
shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Good Faith Estimate Disclosure Test (12 CFR §1024.7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Not later than 3 business days after a loan originator (broker or lender) receives an application for
a federally related mortgage loan, or information sufficient to complete an application, the loan originator must provide the applicant
with a GFE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Good Faith Estimate Disallowed Credit and Charge test (GFE Block 2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Looks for any amounts entered for both a loan discount fee and a yield spread premium or a lender credit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Only one charge or one credit affecting the interest rate is allowed under the new RESPA regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**C.** **Equal Credit Opportunity Act – 12 CFR §1002 ("ECOA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. ECOA Valuation Rule (12 CFR §1002.14(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review all applicable loans for the Disclosure of Right to Receive a Copy of Appraisals. Validate if the
customer(s) waived their right to receive copies of their appraisals three business days prior to consummation/account opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review all applicable loans for proof that lender delivered copies of appraisals and other written valuations
three business days before consummation (closed-end), or account opening (open-end)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If the customer(s) waived their right to receive copies of their appraisals three business days prior
to consummation/account opening, review the Post-Closing submission for an Acknowledgment of Receipt of Appraisal Report, or other proof
that the lender provided provide the copies either at, or prior to, consummation or account opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. State Specific tests (varies by state and applicability, by at a minimum includes);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Consumer / Home Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. High cost tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Higher Priced Mortgage Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. APR threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Points and fees threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Cover loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Negative Amortization tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Prepayment tests

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**Document Review**

Incenter Diligence reviewed all mortgage loan files supplied and verified that the following documents, if applicable, were included in the file and that the data on the documents was consistent:

&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;· Loan Approval (1008)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· HUD1 from Sale of Previous Residence

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Estimates and Closing Disclosures

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Junior Lien Information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Subordination Agreement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Income Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Employment Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Credit Reports

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 4506T/Tax Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Change of Circumstance Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Disclosures: Right of Rescission, Net Tangible
Benefit and FACTA

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title/Preliminary Title

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Flood and Hazard Insurance Policies

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

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

**Other review and methodology**

Not applicable.

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**<u>Summary of findings and conclusions of review</u>**

Below provides the summary of the review findings:

**Final Overall Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;98 | &nbsp;&nbsp;80.99% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;23 | &nbsp;&nbsp;19.01% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**121** | &nbsp;&nbsp;**100.00%** |

---

**Credit Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;106 | &nbsp;&nbsp;87.60% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;15 | &nbsp;&nbsp;12.40% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**121** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;111 | &nbsp;&nbsp;91.74% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;8.26% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**121** | &nbsp;&nbsp;**100.00%** |

---

**Property Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;121 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**121** | &nbsp;&nbsp;**100.00%** |

---

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**Exception Summary**

Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Credit Exception Categories** | &nbsp;&nbsp; **Exception** <br> **Count** | &nbsp;&nbsp; **Credit** <br> **Grade A** | &nbsp;&nbsp; **Credit** <br> **Grade B** | &nbsp;&nbsp; **Credit** <br> **Grade C** |
| &nbsp;&nbsp;Credit - Credit | &nbsp;&nbsp;25 | &nbsp;&nbsp;21 | &nbsp;&nbsp;3 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit - General Underwriting Guideline Violation | &nbsp;&nbsp;165 | &nbsp;&nbsp;131 | &nbsp;&nbsp;27 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit - Income and Assets | &nbsp;&nbsp;47 | &nbsp;&nbsp;31 | &nbsp;&nbsp;13 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit - Insurance and Title | &nbsp;&nbsp;10 | &nbsp;&nbsp;7 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Credit - Legal Documentation | &nbsp;&nbsp;8 | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**255** | &nbsp;&nbsp;**194** | &nbsp;&nbsp;**50** | &nbsp;&nbsp;**11** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Exception Categories** | &nbsp;&nbsp; **Exception** <br> **Count** | &nbsp;&nbsp;**Compliance Grade A** | &nbsp;&nbsp;**Compliance Grade B** | &nbsp;&nbsp; **Compliance** <br> **Grade C** |
| &nbsp;&nbsp;Compliance - Regulatory Compliance | &nbsp;&nbsp;76 | &nbsp;&nbsp;52 | &nbsp;&nbsp;24 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Compliance - TRID | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**76** | &nbsp;&nbsp;**52** | &nbsp;&nbsp;**24** | &nbsp;&nbsp;**0** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Exception Categories** | &nbsp;&nbsp; **Exception** <br> **Count** | &nbsp;&nbsp; **Property** <br> **Grade A** | &nbsp;&nbsp; **Property** <br> **Grade B** | &nbsp;&nbsp; **Property** <br> **Grade C** |
| &nbsp;&nbsp;Property - Collateral | &nbsp;&nbsp;12 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

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**Data Integrity Summary**

The table below provides a summary of the data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Compare Field Name** | &nbsp;&nbsp;**# of Discrepancies** | &nbsp;&nbsp; **% of**<br> **Accuracy** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Appraisal Value | &nbsp;&nbsp;4 | &nbsp;&nbsp;96.69% |
| &nbsp;&nbsp;Appraiser Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Back/Qual DTI | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Coborrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Coborrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Doc Type Level | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Front DTI | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;FTHB Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate Rate Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Qualifying DSCR | &nbsp;&nbsp;4 | &nbsp;&nbsp;96.69% |
| &nbsp;&nbsp;Investor Qualifying DTI | &nbsp;&nbsp;10 | &nbsp;&nbsp;91.74% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original / Note Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Term to Maturity | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |

---

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Street Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;95.87% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;QM Designation | &nbsp;&nbsp;15 | &nbsp;&nbsp;87.60% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.17% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Self Employed Mortgagor | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Self Employed Co-Borrower | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**99.30%** |

---

Page 15 of 15

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](tm264825d35_ex99-8img001.jpg) | Date Submitted: | 6/8/2026 |
| Client Name: | Santander Bank N.A. | Report: | Exception Report |
| Deal Name: | SAN 2026-NQMS1 | Loans in report: | 121 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Report Date** | **Loan Number** | **Incenter ID** | **Seller Loan Number** | **Originator** | **General Category** | **Exception** | **Exception ID** | **Date Exception Cured Waived Updated** | **Description of Clearance** | **Comments** | **Compensating Factors** | **Exception Status** | **Exception Category** | **Exception Event Level** | **Initial Review Date** | **Occupancy Type** | **Property State** | **Note Date** | **Loan Purpose** | **TILA Rating** | **Loan Initial** | **Loan Final** | **Credit Initial** | **Credit Final** | **Compliance Initial** | **Compliance Final** | **Property Initial** | **Property Final** |
| 11/7/2022 | 621486 | XXX | XXX | XXX | Credit - Insurance and Title | Missing satisfactory evidence of hazard insurance for subject property. Hazard insurance company must have an acceptable risk rating. Subject to recalculation of debt ratios. \*\*\*HO6 Coverage is required if the Master Policy does not include the "inside - Walls in" part of the condo. HO6 coverage is not required for Co-Ops \*\*\* \*\*\* Catastrophic Coverage required.\*\*\* //UPDATE 03/17/2022 Received policy with correct coverage and loss payee however the borrowers insured address is not reflected anywhere on the schedule REO //UPDATE 03/21/2022 Borrowers mailing address of XXX is not reflected anywhere on the schedule of REO for the borrower | 20005-10 | 3/22/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/22/2022 Received explanation which does match the information on the laon safe report provided. | Compensating Factors: 1. DSCR XXX 3. XXX months reserves; XXX months > 3 month program minimum | Cured | Credit | EG1 | 3/8/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 621486 | XXX | XXX | XXX | Credit - Income and Assets | Missing signed lease agreement for subject property. | 20005-17 | 3/17/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/17/2022 Received signed lease agreement | Compensating Factors: 1. DSCR XXX 3. XXX months reserves; XXX months > 3 month program minimum | Cured | Credit | EG1 | 3/8/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 145155 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Client approved exception to allow over 8 loan over $3,000,000.00 ($XXX total with XXX loans total). Condo has pending litigation.Compensating Factors:1. XXX credit score; XXX points above program minimum credit score of 680 2. XXX% LTV; XXX% below 80% program maximum 3. XXX months reserves; XXX months greater than 6 month program minimum 4. DSC ratio of XXX; XXX greater than 1.00 program minimum | 20005-43 | 3/11/2022 | Waived/Exception Granted | Client elects to waive guideline requirement with compensating factors. | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 680 2. XXX% LTV; XXX% below 80% program maximum 3. XXX months reserves; XXX months greater than 6 month program minimum 4. DSC ratio of XXX; XXX greater than 1.00 program minimum | Waived | Credit | EG2 | 3/11/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 863310 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Missing the following required Federal Disclosures: W9-Payers Request for Taxpayer ID. | 20004-46 | 3/21/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/21/2022 Received Signed W9 | compensating factors: 1. borrowers reserves of $XXX exceeds minimum of $24809.04 2. borrower credit score of XXX exceeds minimum of 660 | Cured | Compliance | EG1 | 3/11/2022 | Second Home | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 508280 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | //\*\*\*Updated 3/21/2022 - The condition is missing the clarification on which property the XXX... #XXX mortgage is against\*\*\*Missing clarification on which property the XXX... #XXX ($XXX) mortgage is against and why this account was not included in the DTI ratio. | 20004-20 | 3/28/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) |  |  | Cured | Credit | EG1 | 3/4/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 508280 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation of monthly HOA dues for the following condos: XXX... XXX... | 20004-21 | 3/28/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | LOE PROVIDED CLARIFIES THAT THE PROPERTIES IN QUESTION HAVE NO HOA DUES. |  | Cured | Credit | EG1 | 3/4/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 508280 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | //\*\*\*Updated 3/21/2022 - Item #1 cannot be cleared as there is no documentation showing the reassessed property tax amount after the payoff of the XXX loans. Prelim item #7 is enough to establish future payments; #2 Item cleared; Underwriter DTI of XXX% exceeds the lender calculation of XXX% due to the following items:1. Lender used a lower property tax amount of $XXX/mo. instead of the correct $XXX/mo. per the prelim.2. Lender did not include the monthly loss of $XXX from the XXX... property. 3. Underwriter used a higher monthly income of $XXX for the XXX... vs the lender's figure of $XXX Underwriter could not determine how the lender's calculation was made. | 20004-24 | 3/28/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) |  |  | Cured | Credit | EG1 | 3/4/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 508280 | XXX | XXX | XXX | Credit - Income and Assets | Missing documentation of Air BNB income for the XXX... property. | 20004-16 | 3/21/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | STATEMENTS AND EXPLANATION PROVIDED MET THE CONDITION. |  | Cured | Credit | EG1 | 3/4/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 902741 | XXX | XXX | XXX | Credit - Credit | Missing copy of the Closing Discloure to support new loan terms and disbursements (existing mortgage with XXX/XXX acct. #xxxXXX) for property at XXX. New loan reflected on 1003 of $XXX. Missing all supporting documentation. Subject to re-calculation of debt ratio and reserves requirement. //UPDATE 03/29/2022 Received CD and Note - propery is not impounded - have evidence of insurance. Missing evidence of taxes amount. Subject to re-calculation of debt ratio | 20004-1139 | 3/30/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/30/2022 Received evidence of taxes. The XXX portion of the tax assesment will be removed with payoff of the XXX loan as reflected on the CD for the refinance of this property | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 700 2. LTV is XXX% vs program max LTV of 70% | Cured | Credit | EG1 | 3/24/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 902741 | XXX | XXX | XXX | Credit - Income and Assets | Missing signed lease agreement for the rental property at XXX | 20004-1141 | 3/29/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/29/2022 Received signed lease agreement | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 700 2. LTV is XXX% vs program max LTV of 70% | Cured | Credit | EG1 | 3/24/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 902741 | XXX | XXX | XXX | Compliance - Regulatory Compliance | //UPDATE: 03/30/2022 Received notification from Lender that XXX does not require Unmarried Addendum, however, this is a Regulatory State Specific disclosure that is required, our compliance review is not performed under XXX guidelines.//UPDATE: 03/29/2022 Received notification from Lender that Unmarried Addendum does not need to be completed to reflect a relationship. Disagree, the purpose of the Unmarried Addendum is to determine if an "unmarried" person is in a Legal relationship of which an other person could claim interest in the subject property. STILL NEED fully completed Unmarried Addendum with applicable radio buttons marked.Both XXX Statement of Interest Addendum to Residential Mortgage Loan Applications in file dated XXX are incomplete. Need XXX Domestic Partnership Addendum to Uniform Residential Loan Application signed with all boxes marked. | 20004-1127 | 3/30/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/30/2022 Received Signed 1003 with "NO" radio button marked on Unmarried Addendum.<br>//UPDATE: 03/30/2022 Received notification from Lender that XXX does not require Unmarried Addendum, however, this is a Regulatory State Specific disclosure that is required, our compliance review is not performed under XXX guidelines.<br>//UPDATE: 03/29/2022 Received notification from Lender that Unmarried Addendum does not need to be completed to reflect a relationship. Disagree, the purpose of the Unmarried Addendum is to determine if an "unmarried" person is in a Legal relationship of which an other person could claim interest in the subject property. STILL NEED fully completed Unmarried Addendum with applicable radio buttons marked. | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 700 2. LTV is XXX% vs program max LTV of 70% | Cured | Compliance | EG1 | 3/24/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 902741 | XXX | XXX | XXX | Compliance - Regulatory Compliance | This loan failed TRID zero fee tolerance. Missing proof of receipt for Revised Closing Disclosure (CD) in file dated XXX renders the Changed Circumstance as invalid and unable to reset tolerances, resulting in the below TRID tolerance violation.Integrated Disclosures Tolerance & Reimbursement Provisions - 03/17/2022 - 1This loan failed the charges that cannot increase test. (12 CFR 1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to 1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX. | 20004-1128 | 3/29/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/29/2022 Received proof of Borrower's electronic acceptance of CD on XXX. Entered into CE and received a Pass result for all tolerance testing. | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 700 2. LTV is XXX% vs program max LTV of 70% | Cured | Compliance | EG1 | 3/24/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 902741 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation that lender has verified the borrower's identity prior to granting credit due to Fraud Alert reported on the credit report. | 20004-1142 | 3/29/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/29/2022 Received certification borrower was contacted | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 700 2. LTV is XXX% vs program max LTV of 70% | Cured | Credit | EG1 | 3/24/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 902741 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to evidence lender has addressed/resolved the discrepancy reflected on the appraisal that the owner of record is XXX, which do not match the vested owner shown on the prelim report as XXX | 20004-1143 | 3/30/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/30/2022 Property is in leasehold agreement and extends 10 years beyond maturity - this is acceptable per XXX guidelines page 8 of guidelines. | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 700 2. LTV is XXX% vs program max LTV of 70% | Cured | Credit | EG1 | 3/24/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 476000 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing lender approval. | 20004-17 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 Ok with the 1008 provided per XXX | Compensating Factors: 1. Credit score XXX; XXX points > 700 program minimum 2. XXX% DTI; XXX% < 55.00% program minimum 3. XXX months reserves; XXX months > 6 month program minimum | Cured | Credit | EG1 | 3/4/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 588026 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation of property taxes for the XXX... property.// 3/17 Received proof of property tax. | 20004-29 | 3/17/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 3/17 Received proof of property tax. | COMPENSATING FACTORS: 1. LOW LTV OF XXX% WHICH IS BELOW THE 80% MAXIMUM. 2. HIGH CREDIT SCORE OF XXX WHICH ABOVE THE PROGRAM MINIMUM OF 720. 3. LOW DTI OF XXX% WHICH IS BELOW THE PROGRAM MAXIMUM OF 50%. 4. HIGH PITI RESERVES OF XXX MONTHS WHICH IS ABOVE THE 3 MONTHS REQUIRED. | Cured | Credit | EG1 | 3/4/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 588026 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing copy of the flood insurance policy for the subject property.// 3/17 Flood policy received. | 20004-30 | 3/17/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 3/17 Flood policy received. | COMPENSATING FACTORS: 1. LOW LTV OF XXX% WHICH IS BELOW THE 80% MAXIMUM. 2. HIGH CREDIT SCORE OF XXX WHICH ABOVE THE PROGRAM MINIMUM OF 720. 3. LOW DTI OF XXX% WHICH IS BELOW THE PROGRAM MAXIMUM OF 50%. 4. HIGH PITI RESERVES OF XXX MONTHS WHICH IS ABOVE THE 3 MONTHS REQUIRED. | Cured | Credit | EG1 | 3/4/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 588026 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing copy of lender's manual loan approval. | 20004-66 | 3/21/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/21/2022 1008 provided is sufficient per XXX | COMPENSATING FACTORS: 1. LOW LTV OF XXX% WHICH IS BELOW THE 80% MAXIMUM. 2. HIGH CREDIT SCORE OF XXX WHICH ABOVE THE PROGRAM MINIMUM OF 720. 3. LOW DTI OF XXX% WHICH IS BELOW THE PROGRAM MAXIMUM OF 50%. 4. HIGH PITI RESERVES OF XXX MONTHS WHICH IS ABOVE THE 3 MONTHS REQUIRED. | Cured | Credit | EG1 | 3/4/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 588026 | XXX | XXX | XXX | Compliance - Regulatory Compliance | This loan failed TRID zero fee tolerance: The Appraisal Fee increased to $XXX per the XXX Loan Estimate with no valid Change of Circumstance provided, which resulted in the following violation:Integrated Disclosures Tolerance & Reimbursement Provisions - 02/09/2022 - 1This loan failed the charges that cannot increase test. (12 CFR 1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to 1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | 20004-28 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 Received COC dated XXX. Entered into CE and received a Pass result for all Tolerance testing. | COMPENSATING FACTORS: 1. LOW LTV OF XXX% WHICH IS BELOW THE 80% MAXIMUM. 2. HIGH CREDIT SCORE OF XXX WHICH ABOVE THE PROGRAM MINIMUM OF 720. 3. LOW DTI OF XXX% WHICH IS BELOW THE PROGRAM MAXIMUM OF 50%. 4. HIGH PITI RESERVES OF XXX MONTHS WHICH IS ABOVE THE 3 MONTHS REQUIRED. | Cured | Compliance | EG1 | 3/4/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 588026 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing copy of the fully executed security instrument inclusive of all riders and legal description | 20004-1 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 Received full copy of Recorded Deed of Trust inclusive of Legal Description and both Riders. | COMPENSATING FACTORS: 1. LOW LTV OF XXX% WHICH IS BELOW THE 80% MAXIMUM. 2. HIGH CREDIT SCORE OF XXX WHICH ABOVE THE PROGRAM MINIMUM OF 720. 3. LOW DTI OF XXX% WHICH IS BELOW THE PROGRAM MAXIMUM OF 50%. 4. HIGH PITI RESERVES OF XXX MONTHS WHICH IS ABOVE THE 3 MONTHS REQUIRED. | Cured | Credit | EG1 | 3/4/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 359911 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to evidence the borrower's rental property located at XXX is owned free and clear. No mortgage obligation was included in the qualifying DTI calculation by the lender. The hazard insurance documentation does not provide sufficient evidence to verify the property is owned free and clear. UPDATE//: 03/21/2022- please provide MERS or other proof/documentation that property is owned free and clear | 20004-75 | 3/23/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) |  | compensating factors: 1. borrowers credit score of XXX exceeds min credit score of 620 | Cured | Credit | EG1 | 3/11/2022 | Primary Residence | XXX | XXX | Refinance - rate and term | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 359911 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to evidence the monthly HOA obligation for the investment property located at XXX. Subject to review upon receipt. | 20004-76 | 3/21/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) |  | compensating factors: 1. borrowers credit score of XXX exceeds min credit score of 620 | Cured | Credit | EG1 | 3/11/2022 | Primary Residence | XXX | XXX | Refinance - rate and term | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 359911 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Missing the following required State Disclosures: XXX Domestic Partnership Addendum to Uniform Residential Loan Application. Unmarried Addendum to 1003 is not completed. | 20004-52 | 3/21/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/21/2022 Received 1003 with Unmarried Addendum marked. | compensating factors: 1. borrowers credit score of XXX exceeds min credit score of 620 | Cured | Compliance | EG1 | 3/11/2022 | Primary Residence | XXX | XXX | Refinance - rate and term | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 359911 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Need Lender's Signed Explanation for earlier Application date of XXX on Initial 1003 in file eSigned by Loan Originator on XXX. Early disclosures in file were issued XXX which is within disclosure requirement utilizing the application date of XXX. | 20004-53 | 3/21/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/21/2022 Received a Signed explanation App date is XXX | compensating factors: 1. borrowers credit score of XXX exceeds min credit score of 620 | Cured | Compliance | EG1 | 3/11/2022 | Primary Residence | XXX | XXX | Refinance - rate and term | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 655420 | XXX | XXX | XXX | Compliance - Regulatory Compliance | //UPDATE: 03/21/2022 Received same XXX report which is NOT sufficient as an Underwriting Worksheet reflecting how Lender derived at the Bona Fide amount of $XXX. Need worksheet or Lender's Signed Attestation reflecting how Bona Fide amount was considered. //UPDATE: 03/16/2022 Received a XXX Compliance report reflecting Lender considered $XXX as Bona Fide, however, there is no Worksheet in file reflecting the breakdown of Pricing to consider the Bona Fide amount.Federal High-Cost Mortgage (HOEPA - Amended) This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR1026.32(a)(1)(ii)(A), (B)) The loan amount is $XXX or more, and the transaction's total points and fees is $XXX, which exceeds 5 percentof the total loan amount of $XXX; or The loan amount is less than $XXX and the transaction's total points and fees is $XXX, which exceeds thelesser of 8 percent of the total loan amount of $XXX or $XXX.This loan failed the high-cost mortgage financing of points and fees test. (12 CFR 1026.34(a)(10))The loan finances, directly or indirectly, any points and fees, as defined in the legislation.A creditor that extends credit under a high-cost mortgage may not finance charges that are required to be included in thecalculation of points and fees, as that term is defined in 1026.32(b)(1) and (2). Credit insurance premiums or debt cancellationor suspension fees that are required to be included in points and fees under 1026.32(b)(1)(iv) or (2)(iv) shall not be consideredfinanced by the creditor when they are calculated and paid in full on a monthly basis. | 20004-8 | 3/25/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/25/2022 Received Lock Confirmation and Lender's explanation of Bona Fide Discount Points. Entered into CE and received a Pass result for this test.<br>//UPDATE: 03/21/2022 Received same XXX report which is NOT sufficient as an Underwriting Worksheet reflecting how Lender derived at the Bona Fide amount of $XXX. Need worksheet or Lender's Signed Attestation reflecting how Bona Fide amount was considered. <br>//UPDATE: 03/16/2022 Received a XXX Compliance report reflecting Lender considered $XXX as Bona Fide, however, there is no Worksheet in file reflecting the breakdown of Pricing to consider the Bona Fide amount. | Compensating Factors: 1. XXX FICO. XXX points higher than required FICO score of 600. 2. XXX DTI. XXX points lower than max DTI of 55%. | Cured | Compliance | EG1 | 3/4/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 |
| 11/7/2022 | 655420 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Missing the following required State Disclosures: XXX Mortgage Loan Commitment (no approval in file). | 20004-6 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 Received XXX Rate Lock Agreement which can be considered a Commitment. | Compensating Factors: 1. XXX FICO. XXX points higher than required FICO score of 600. 2. XXX DTI. XXX points lower than max DTI of 55%. | Cured | Compliance | EG1 | 3/4/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 |
| 11/7/2022 | 655420 | XXX | XXX | XXX | Property - Collateral | Appraisal requires photos of all comparables utilized in the report. Appraisal is missing comparable photos 1, 2, 3 and 4. | 20004-25 | 3/21/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/21/2022 Received appriasal with comps 1,2,3 and 4 photos | Compensating Factors: 1. XXX FICO. XXX points higher than required FICO score of 600. 2. XXX DTI. XXX points lower than max DTI of 55%. | Cured | Property | EG1 | 3/4/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 |
| 11/7/2022 | 655420 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing lenders loan approval. | 20004-26 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 Received 1008 which is sufficient per XXX | Compensating Factors: 1. XXX FICO. XXX points higher than required FICO score of 600. 2. XXX DTI. XXX points lower than max DTI of 55%. | Cured | Credit | EG1 | 3/4/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 |
| 11/7/2022 | 655420 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing rate lock agreement. The lock agreement in the file has not been signed by the borrower. | 20004-27 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 Received rate lock agreemen | Compensating Factors: 1. XXX FICO. XXX points higher than required FICO score of 600. 2. XXX DTI. XXX points lower than max DTI of 55%. | Cured | Credit | EG1 | 3/4/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 |
| 11/7/2022 | 379660 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing rate lock agreement for the subject. | 20005-69 | 3/21/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/21/2022 Received rate lock which matches the final terms | COMPENSATING FACTORS: 1. LOW LTV OF XXX% WHICH IS BELOW THE PROGRAM MAXIMUM 75% 2. HIGH FICO SCORE OF XXX WHICH IS ABOVE THE MINIMUM REQUIRED SCORE OF 600. 3. LARGE PITI RESERVES OF XXX MONTHS WHICH IS ABOVE THE 6 MONTHS REQUIRED | Cured | Credit | EG1 | 3/14/2022 | Investment Property | XXX | XXX | Refinance - rate and term | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 187432 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing Loan approval document. | 20004-31 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 1008 provided is sufficient per XXX | Compensating factors: 1. Credit Score: XXX; XXX points > 680 program minimum 2. Reserves; XXX, XXX> 6 mo required by program minimum 3. LTV: XXX%; XXX% < 80.00% program maximum | Cured | Credit | EG1 | 3/7/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Qualified Mortgage Safe Harbor | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 474165 | XXX | XXX | XXX | Property - Collateral | Missing required valuation forms. Missing 1007 Rent Schedule. Subject is an investment property. | 20004-93 | 4/14/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 04/14/2022 Rental income is not being used to qualify | Compensating factors: 1. Credit Score: XXX; XXX points > 720 program minimum 2. DTI: XXX%; XXX% < 50.00% program maximum 3. Reserves; XXX months ; XXX months > 6 months program minimum | Cured | Property | EG1 | 3/14/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG1 | EG2 | EG2 | EG3 | EG1 |
| 11/7/2022 | 474165 | XXX | XXX | XXX | Compliance - Regulatory Compliance | XXX Domestic Partnership Addendum to Uniform Residential Loan Application is in file, however, it is incomplete and per the 1003 Uniform Residential Loan Applications in file the Borrower is unmarried. | 20004-82 | 4/7/2022 | Waived/Exception Granted | 04/07/2022 Client Waived condition. See email in 3rd Party Products. | Compensating factors: 1. Credit Score: XXX; XXX points > 720 program minimum 2. DTI: XXX%; XXX% < 50.00% program maximum 3. Reserves; XXX months ; XXX months > 6 months program minimum | Waived | Compliance | EG2 | 3/14/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG1 | EG2 | EG2 | EG3 | EG1 |
| 11/7/2022 | 474165 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Application is incomplete. The initial 1003 provided is missing the LO's signature. | 20004-73 | 3/31/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/31/2022 Received email from XXX that we will no longer site for the LO's signature on 1003s. | Compensating factors: 1. Credit Score: XXX; XXX points > 720 program minimum 2. DTI: XXX%; XXX% < 50.00% program maximum 3. Reserves; XXX months ; XXX months > 6 months program minimum | Cured | Credit | EG1 | 3/14/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG1 | EG2 | EG2 | EG3 | EG1 |
| 11/7/2022 | 474165 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing proof of the XXX XXX payment with XXX account ending xxXXX. Loan entered Forbearance agreement that ended XXX. Mortgage statement shows plan ended XXX and next due XXX. Credit supplement shows last paid XXX and next due XXX. Guideline require proof of 3 payments when exiting plan; only two payments have been verified. | 20004-1131 | 4/14/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 04/14/2022 XXX xxXXX verbiage states if your account has been approved for a forebearnce. Credit supp reflects no late payments next due XXX - loan closed XXX and this loan was paid through the proceeds. | Compensating factors: 1. Credit Score: XXX; XXX points > 720 program minimum 2. DTI: XXX%; XXX% < 50.00% program maximum 3. Reserves; XXX months ; XXX months > 6 months program minimum | Cured | Credit | EG1 | 3/14/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG1 | EG2 | EG2 | EG3 | EG1 |
| 11/7/2022 | 402913 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing copy of note and final closing disclsoure for concurrent refinance of primary residence XXX. Subject to recalculation of assets.//03/17/2022 Update received copy of Note and final CD. Assets still within guidelines. | 20005-3 | 3/17/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) |  | Compensating Factors: 1) FICO XXX, XXX points >680 minimum guideline requirement for I/O 680 2) LTV/CLTV XXX%, , XXX% <70% guideline maximum | Cured | Credit | EG1 | 3/4/2022 | Investment Property | XXX | XXX | Refinance - rate and term | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 402913 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing title supplement removing item #6. Release of lien provided in file.//03/17/2022 Updated received final title with item #6 removed. | 20005-5 | 3/17/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) |  | Compensating Factors: 1) FICO XXX, XXX points >680 minimum guideline requirement for I/O 680 2) LTV/CLTV XXX%, , XXX% <70% guideline maximum | Cured | Credit | EG1 | 3/4/2022 | Investment Property | XXX | XXX | Refinance - rate and term | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 402913 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing updated lease agreements for Unit 1 and Unit 3 of subject property. Lease agreements provided show that the same tenant occupies both of these units both dated XXX.//03/17/2022 Update received message from seller that the tenant does in fact occupy units 1 & 3. | 20005-6 | 3/17/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) |  | Compensating Factors: 1) FICO XXX, XXX points >680 minimum guideline requirement for I/O 680 2) LTV/CLTV XXX%, , XXX% <70% guideline maximum | Cured | Credit | EG1 | 3/4/2022 | Investment Property | XXX | XXX | Refinance - rate and term | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 601223 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Missing the following required Federal Disclosures: Initial Escrow Account Waiver Disclosure. | 20004-50 | 3/17/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/17/2022 Received Signed Escrow Waiver. | COMPENSATING FACTORS: 1. GOOD LTV OF XXX% WHICH IS BELOW THE 90% LTV MAXIMUM 2. HIGH FICO SCORE OF XXX WHICH IS ABOVE THE 640 MINIMUM REQUIRED 3. LOW DTI OF XXX% WHICH IS BELOW THE 55% PROGRAM MAXIMUM 4. GOOD PITI RESERVES OF XXX MONTHS WHICH IS ABOVE THE 6 MONTHS REQUIRED | Cured | Compliance | EG1 | 3/11/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 601223 | XXX | XXX | XXX | Compliance - Regulatory Compliance | //UPDATE: 03/17/2022 Received Lender's explanation that the latest dated LE was XXX. While that is correct, the "receipt" date of that LE is XXX and is Less than the required 4 business days prior to Consummation on XXX. Condition remains as is.This loan failed TRID timing of disclosures. The Revised Loan Estimate receipt date is XXX, less than four business days before the consummation date, resulting in the below TRID Timing Violation.Revised Loan Estimate Timing Requirements - 01/07/2022 - 2This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR 1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under 1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under 1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under 1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required 1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. | 20004-51 | 3/22/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/22/2022 Received proof borrower received LE XXX. Entered into CE and received a Pass result for this test.<br>//UPDATE: 03/17/2022 Received Lender's explanation that the latest dated LE was XXX. While that is correct, the "receipt" date of that LE is XXX and is Less than the required 4 business days prior to Consummation on XXX. Condition remains as is. | COMPENSATING FACTORS: 1. GOOD LTV OF XXX% WHICH IS BELOW THE 90% LTV MAXIMUM 2. HIGH FICO SCORE OF XXX WHICH IS ABOVE THE 640 MINIMUM REQUIRED 3. LOW DTI OF XXX% WHICH IS BELOW THE 55% PROGRAM MAXIMUM 4. GOOD PITI RESERVES OF XXX MONTHS WHICH IS ABOVE THE 6 MONTHS REQUIRED | Cured | Compliance | EG1 | 3/11/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 252314 | XXX | XXX | XXX | Compliance - Regulatory Compliance | This loan failed TRID timing of disclosures. Missing proof of receipt by borrower of Initial Closing Disclosure dated XXX results in the below TRID Timing Violation.Initial Closing Disclosure Timing Requirements - 01/25/2022This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR 1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph 1026.19(f)(1)(i) no later than three business days before consummation. | 20004-40 | 3/18/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/18/2022 Received eSigned CD dated XXX. Entered into CE and received a Pass result for this test. | COMPENSATING FACTORS: 1. GOOD LTV OF XXX% WHICH IS BELOW THE PROGRAM MAXIMUM OF 85% 2. HIGH FICO SCORE OF XXX WHICH IS ABOVE THE 700 MINIMUM REQUIRED. 3. HIGH PITI RESERVES OF XXX MONTHS WHICH EXCEEDS THE 6 MONTHS REQUIRED 4. GOOD DTI OF XXX% WHICH IS BELOW THE PROGRAM MAXIMUM OF 50% | Cured | Compliance | EG1 | 3/9/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 252314 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing copy of appraisal transfer letter from XXX. Loan amount exceeds $XXX where two appraisal are required, and appraisal dated XXX was completed for XXX. | 20004-113 | 3/21/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/21/2022 Received transfer letter from XXX | COMPENSATING FACTORS: 1. GOOD LTV OF XXX% WHICH IS BELOW THE PROGRAM MAXIMUM OF 85% 2. HIGH FICO SCORE OF XXX WHICH IS ABOVE THE 700 MINIMUM REQUIRED. 3. HIGH PITI RESERVES OF XXX MONTHS WHICH EXCEEDS THE 6 MONTHS REQUIRED 4. GOOD DTI OF XXX% WHICH IS BELOW THE PROGRAM MAXIMUM OF 50% | Cured | Credit | EG1 | 3/9/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 278943 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Lender approved exception to exclude the XXX xxXXX auto loan expense from the DTI as the business has been making the payments since XXX.Compensating Factors1. History of business paying the auto loan on prior auto expense2. Rate/term refinance with mortgage rate reducing from 4.975% to 3.875%3. XXX% LTV4. XXX months reserves | 20004-55 | 3/9/2022 | Waived/Exception Granted |  | Compensating factors: 1. Rate/term refinance with mortgage rate reducing from XXX% to XXX% 2. XXX months reserves; XXX months > 12 months program minimum 3. LTV XXX;XXX<80% program maximum. | Waived | Credit | EG2 | 3/7/2022 | Primary Residence | XXX | XXX | Refinance - rate and term | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 278943 | XXX | XXX | XXX | Credit - Income and Assets | The following income documentation is missing from the file: March bank statement for XXX #xxXXX. Subject to recalculation. | 20004-32 | 3/21/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) |  | Compensating factors: 1. Rate/term refinance with mortgage rate reducing from XXX% to XXX% 2. XXX months reserves; XXX months > 12 months program minimum 3. LTV XXX;XXX<80% program maximum. | Cured | Credit | EG1 | 3/7/2022 | Primary Residence | XXX | XXX | Refinance - rate and term | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 278943 | XXX | XXX | XXX | Credit - Income and Assets | Missing manual loan approval. | 20004-33 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 1008 provided is sufficient per XXX | Compensating factors: 1. Rate/term refinance with mortgage rate reducing from XXX% to XXX% 2. XXX months reserves; XXX months > 12 months program minimum 3. LTV XXX;XXX<80% program maximum. | Cured | Credit | EG1 | 3/7/2022 | Primary Residence | XXX | XXX | Refinance - rate and term | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 685924 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing letter of explanation for address noted on mortgage with XXX xxXXX is the same as the brokers companyXXX//03/28/2022 Updated the XXX Mortgage statement xxXXX shows borrowers mailing address XXX with address XXX for property XXX, missing explanation if borrower is an employee of XXX. | 20005-87 | 4/1/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 04/1/2022 Updated received supporting documentation that bororwer is not a member of XXX. | Compensating Factors: 1) FICO XXX, XXX points >700 minimum guideline requirement 2) LTV/CLTV XXX% XXX% <75% maximum guideline requirement 3) Reserves $XXX. XXX > 6 months reserves + 3 additional months for DSCR <1.00 | Cured | Credit | EG1 | 3/15/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 796580 | XXX | XXX | XXX | Credit - Credit | Missing LOE for recent credit inquiry: XXX XXX | 20005-32 | 3/21/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/21/2022 XXX is the originating broker for this loan and supported by the 1003 | Compensating Factors: 1. XXX months reserves; XXX months > 6 month program minimum 2. 0x30 since incesption XXX | Cured | Credit | EG1 | 3/10/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 796580 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing copy of Note and final CD from recent refinance of XXX verifying payoff of XXX #XXX. Verify new balance $XXX payment $XXX per 1003 in file | 20005-35 | 3/17/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) |  | Compensating Factors: 1. XXX months reserves; XXX months > 6 month program minimum 2. 0x30 since incesption XXX | Cured | Credit | EG1 | 3/10/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 409366 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Loan does not meet the COVID-Related Forbearance guidelines: Borrowers entered into a Payment Deferral Agreement with XXX xxXXX (subject property) on XXX starting with the XXX payment; XXX xxXXX on XXX starting with the XXX payment (provided 1 payment made on XXX); XXX xxXXX (primary residence) on XXX starting with the XXX (no payments provided). Guidelines require 3 timely payments made since the borrowers entered into the loss mitigation solution. | 20005-103 | 3/29/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) |  | Compensating factors: 1. DSCR = XXX 2. XXX months reserves; XXX months > 6 months program minimum 3. LTV XXX%; max is 75% | Cured | Credit | EG1 | 3/23/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 199966 | XXX | XXX | XXX | Property - Collateral | Missing Condo Budget and evidence of Condo maintenance fees./// UPDATE 3/22/2022 - Condo project is a Limited Review and condo budget is not required. Condition cleared./// | 20005-94 | 3/22/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | /// UPDATE 3/22/2022 - Condo project is a Limited Review and condo budget is not required. Condition cleared./// | Compensating Factors: 1. FICO is XXX; XXX points > min FICO of 640 2. XXX months reserves; XXX months > 6 month reserves requirement | Cured | Property | EG1 | 3/16/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 11/7/2022 | 199966 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation of the corrected Deed of Trust showing the Subject property is in the County of XXX as reflected on the legal description. Page 3 of the Deed of Trust showed the property is in the County of XXX. //UPDATE 03/22/2022 Need a corrected Deed of Trust and if it has already been recorded, a Signed letter of Intent to Re-record. Or may also record a Scriveners Affidavit to correct the County. //UPDATE 05/24/2022 Only received comments no attachment | 20005-96 | 5/25/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/25/2022 Compliance reviewed and OK to clear | Compensating Factors: 1. FICO is XXX; XXX points > min FICO of 640 2. XXX months reserves; XXX months > 6 month reserves requirement | Cured | Credit | EG1 | 3/16/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 11/7/2022 | 199966 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Application is incomplete. The complete initial 1003 was not provided. Section 9 of the initial 1003 containing the LO's signature appears to have been provided, however, the sign date is after the Note date and the sign date of the final 1003. //UPDATE 03/22/2022 Received 1003 with a signature in the LO section but the borrower signed. We need the LO signed 1003 | 20005-51 | 3/22/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/22/2022 Received LO signed 1003 dated XXX | Compensating Factors: 1. FICO is XXX; XXX points > min FICO of 640 2. XXX months reserves; XXX months > 6 month reserves requirement | Cured | Credit | EG1 | 3/16/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 11/7/2022 | 156004 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to evidence the most recent lease agreement for the borrower's investment property located at XXX. The lease agreement in the file reflects a property address of XXX. Subject to review upon receipt. | 20004-1149 | 4/5/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 04/05/2022 See cleared condition 1150 - Clarification that XXX... and XXX... are the same property satisfies the condition | Compensating Factors: 1. Good LTV of XXX% which is below the 80% maximum 2. High Fico score of XXX which is above the 680 minimum required 3. Large PITI reserves of XXX months which is above the 6 months required. | Cured | Credit | EG1 | 3/25/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 156004 | XXX | XXX | XXX | Credit - Income and Assets | Missing documentation to support rental income of $XXX reflected on the 1003 loan application for the property located at XXX. The lease agreement in the file for the property at XXX way reflects monthly rent for $XXX a month. There is also lease agreement for the property at XXX Thise lease agrement reflects monthly rent of $XXX. The lease agreement do not support rental income of $XXX reflected on the 1003 and the loan file does not contain documentation to address this discrepancy. Subject to review upon receipt. | 20004-1150 | 4/4/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Clarification that XXX... and XXX... are the same property satisfies the condition | Compensating Factors: 1. Good LTV of XXX% which is below the 80% maximum 2. High Fico score of XXX which is above the 680 minimum required 3. Large PITI reserves of XXX months which is above the 6 months required. | Cured | Credit | EG1 | 3/25/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 156004 | XXX | XXX | XXX | Compliance - Regulatory Compliance | This loan failed TRID timing of disclosures. Missing Initial Loan Estimate with proof issued within 3 business days of application date. Unable to complete regulatory compliance check and TRID Monitoring. | 20004-1123 | 3/30/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/30/2022 Application date is XXX and file contains the Initial LE dated XXX. | Compensating Factors: 1. Good LTV of XXX% which is below the 80% maximum 2. High Fico score of XXX which is above the 680 minimum required 3. Large PITI reserves of XXX months which is above the 6 months required. | Cured | Compliance | EG1 | 3/25/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 156004 | XXX | XXX | XXX | Compliance - Regulatory Compliance | This loan failed TRID timing of disclosures. Missing Written List of Service Providers with proof issued within 3 business days of application. There is an Additional Details For Services You Can Shop For in file, however, the date issued is XXX and the application date is XXX. Unable to complete regulatory compliance check and TRID monitoring. | 20004-1124 | 3/30/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/30/2022 Received notification from Lender true application date is XXX which reflects all disclosures issued the next day on XXX | Compensating Factors: 1. Good LTV of XXX% which is below the 80% maximum 2. High Fico score of XXX which is above the 680 minimum required 3. Large PITI reserves of XXX months which is above the 6 months required. | Cured | Compliance | EG1 | 3/25/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 156004 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Missing Homeownership Counseling Notice with proof issued within 3 business days of application date, resulting in the below Federal RESPA failure. There is a Homeownership Counseling Organization List in file dated XXX, however, the application date is XXX.Federal RESPAThis loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR 1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in 1024.2(b) and as it relates to 1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, XXX calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. | 20004-1125 | 3/30/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/30/2022 Received notification from Lender that true application date is XXX and Housing Counseling is dated XXX. | Compensating Factors: 1. Good LTV of XXX% which is below the 80% maximum 2. High Fico score of XXX which is above the 680 minimum required 3. Large PITI reserves of XXX months which is above the 6 months required. | Cured | Compliance | EG1 | 3/25/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 156004 | XXX | XXX | XXX | Compliance - Regulatory Compliance | The loan contains errors within one or more TRID disclosure. Missing proof Non-Borrowing Co-Owner received a Closing Disclosure at least 3 days prior to Consummation. | 20004-1121 | 4/5/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 04/05/2022 Initial CD was issued XXX and reflects Non-Borrower's name which can be considered as disclosed. Consummation did not occur until XXX. | Compensating Factors: 1. Good LTV of XXX% which is below the 80% maximum 2. High Fico score of XXX which is above the 680 minimum required 3. Large PITI reserves of XXX months which is above the 6 months required. | Cured | Compliance | EG1 | 3/25/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 156004 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to evidence the mortgage obligation for the borrower's property at XXX in XXX. The loan file contains lease agreements for this property but it is not reflected on the 1003 loan application and there is no documentation to evidence wihat the monthly PITIA is for this property. Subject to review upon receipt. | 20004-1151 | 4/5/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 04/05/2022 See cleared condition 1150 - | Compensating Factors: 1. Good LTV of XXX% which is below the 80% maximum 2. High Fico score of XXX which is above the 680 minimum required 3. Large PITI reserves of XXX months which is above the 6 months required. | Cured | Credit | EG1 | 3/25/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 156004 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | //\*\*\*Update 4/14/2022 - The 1003 application provided is the same as the original in file with no changesUpdated 4/7/2022 The seller comments do not address the excessive DTI issue when using the required vacancy factor. The loan was qualified under the bank statement loan program and the guidelines indicate that a fully executed lease agreement is required and a 25% vacancy factor must be applied unless the borrower can document the most receint three months receipt of rental income. The bank statements provided do not support the rental income reflected on the lease agreements being received for the most recent three months so a vacancy factor must be applied. When the 25% vacancy factor is applied the recalculated DTI is XXX% and exceeds the maximum allowed under the bank statement loan program guidelines. The loan files is missing documentation to evidence the receipt of the rental income reflected on the lease agreements for the most recent three months as required by the program guidellines Missing documentation to support the use of 100% of the rental income for each investement property. The lender is using 100% of the rental income to offset the PITIA obligation but the file does not contain sufficient to documentation to support that receipt of the rental income for each property. The bank statements in the file do not reflect the individual deposits reflected by the lease agreements in the file. If deposits cannot be supported then a vacancy factor must be applied. If a vacancy factor is applied then the recalculated DTI is XXX% and exceeds the guidelines maximum. Subject to review upon receipt. | 20004-1152 | 4/14/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | LOE clarifying the 3 months of rental payments are received in the XXXand XXX business accounts. The lease provided are in the name of thses business. | Compensating Factors: 1. Good LTV of XXX% which is below the 80% maximum 2. High Fico score of XXX which is above the 680 minimum required 3. Large PITI reserves of XXX months which is above the 6 months required. | Cured | Credit | EG1 | 3/25/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 156004 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation of property tax and hazard insruance payments for the following properties: XXX..., XXX..., XXX..., and XXX... | 20004-1144 | 4/4/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Impounded mortgage statements provided meet the condition. | Compensating Factors: 1. Good LTV of XXX% which is below the 80% maximum 2. High Fico score of XXX which is above the 680 minimum required 3. Large PITI reserves of XXX months which is above the 6 months required. | Cured | Credit | EG1 | 3/25/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 156004 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Application is incomplete. Missing initial 1003 Uniform Residential Loan Application signed by Loan Originator. | 20004-1122 | 3/31/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/31/2022 Received email from XXX that we will no longer site for the LO's signature on 1003s. | Compensating Factors: 1. Good LTV of XXX% which is below the 80% maximum 2. High Fico score of XXX which is above the 680 minimum required 3. Large PITI reserves of XXX months which is above the 6 months required. | Cured | Credit | EG1 | 3/25/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 156004 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Lender approved exception for the high number of agrigate loans and the high agrigate loan amount. The maximum number of agrigate loans for XXX is eight and this loan will be the ninth loan. The maximum total agrigate loan amount is $3000,000.00 and with loan the total will be $XXX Compenbsating Factors:1. Borrower is a seasoned real estate investor with no mortgage lates and solid credit depth.2. Subject is a primary residence and owned since XXX.3. Borrower has personal assets of $XXX and 2 business accounts with 50% ownership current balances exceed $XXX | 20004-1145 | 4/7/2022 | Waived/Exception Granted | 04/07/2022 Exception approval provided | Compensating Factors: 1. Good LTV of XXX% which is below the 80% maximum 2. High Fico score of XXX which is above the 680 minimum required 3. Large PITI reserves of XXX months which is above the 6 months required. | Waived | Credit | EG2 | 3/25/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 156004 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Client approved exception in the file. Client approved exception to allow XXX financed properties with the lender vs program maximum of 8 financed properties with the lender. Compensating Factors:1. Good LTV of XXX% which is below the 80% maximum2. High Fico score of XXX which is above the 680 minimum required3. Large PITI reserves of XXX months which is above the 6 months required. | 20004-1153 | 3/26/2022 | Waived/Exception Granted |  | Compensating Factors: 1. Good LTV of XXX% which is below the 80% maximum 2. High Fico score of XXX which is above the 680 minimum required 3. Large PITI reserves of XXX months which is above the 6 months required. | Waived | Credit | EG2 | 3/25/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 812050 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing lenders loan approval. | 20005-40 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 1008 provided is sufficient per XXX |  | Cured | Credit | EG1 | 3/11/2022 | Investment Property | XXX | XXX | Refinance - rate and term | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 224365 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Application is incomplete. The initial 1003 provided is missing the LO's signature. | 20005-83 | 3/23/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) |  | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 700 2. XXX% LTV; XXX% below 75% program maximum 3. XXX months reserves; XXX months greater than 6 month program minimum 4. DSC ratio of XXX; XXX greater than 1.00 program minimum | Cured | Credit | EG1 | 3/16/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 105805 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing copy of lender's manual loan approval. 1008 only provided. | 20005-76 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 1008 provided is sufficient per XXX | Compensating Factors: 1. Credit score XXX; XXX points > 680 program minimum 2. XXX months reserves; XXX months > 6 month program minimum | Cured | Credit | EG1 | 3/11/2022 | Investment Property | XXX | XXX | Refinance - rate and term | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 105805 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing complete copy of lease agreement for subject property (XXX). Page 1 only was provided. | 20005-77 | 3/17/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) |  | Compensating Factors: 1. Credit score XXX; XXX points > 680 program minimum 2. XXX months reserves; XXX months > 6 month program minimum | Cured | Credit | EG1 | 3/11/2022 | Investment Property | XXX | XXX | Refinance - rate and term | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 640846 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing HOA certification from Management Association. Subject property is a Condominium per appraisal report. //UPDATE 4/12/2022 HOA cert in file from XXX. | 20005-114 | 4/12/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | //UPDATE 4/12/2022 HOA cert in file from XXX. | Compensating factors: 1. XXX months reserves 2. XXX% LTV | Cured | Credit | EG1 | 4/5/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 894018 | XXX | XXX | XXX | Credit - Income and Assets | Missing signed lease agreement for the subject. | 20005-29 | 3/16/2022 | Waived/Exception Granted | 3/16/2022 - Condition waived as the lease agreement is not required of a purchase. | COMPENSATING FACTORS: 1. HIGH FICO SCORE OF XXX WHICH IS ABOVE THE 680 MINIMUM REQUIRED SCORE. 2. GOOD PITI RESERVES OF XXX MONTHS WHICH IS ABOVE THE 6 MONTHS REQUIRED. | Waived | Credit | EG2 | 3/10/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 894018 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing rate lock agreement showing the program terms and expiration date. | 20005-30 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 3/16/2022 - Lock agreement provided meets the condition. | COMPENSATING FACTORS: 1. HIGH FICO SCORE OF XXX WHICH IS ABOVE THE 680 MINIMUM REQUIRED SCORE. 2. GOOD PITI RESERVES OF XXX MONTHS WHICH IS ABOVE THE 6 MONTHS REQUIRED. | Cured | Credit | EG1 | 3/10/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 894018 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing loan approval showing loan terms and conditions. | 20005-31 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 1008 provided is sufficient per XXX | COMPENSATING FACTORS: 1. HIGH FICO SCORE OF XXX WHICH IS ABOVE THE 680 MINIMUM REQUIRED SCORE. 2. GOOD PITI RESERVES OF XXX MONTHS WHICH IS ABOVE THE 6 MONTHS REQUIRED. | Cured | Credit | EG1 | 3/10/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 121260 | XXX | XXX | XXX | Credit - Income and Assets | Evidence of the gift funds transfer of $XXX and $XXX from XXX, spouse to the borrower, is missing from the file. | 20004-41 | 3/21/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/21/2022 Received evidence of transfer of both gift funds | COMPENSATING FACTORS: 1. HIGH FICO SCORE OF XXX WHICH EXCEEDS THE 700 MINIMUM REQUIRED. 2. GOOD DTI OF XXX WHICH IS BELOW THE PROGRAM MAXIMUM OF 55% 3. XXX MONTHS PITI RESERVES WHICH EXCEEDS THE 6 MONTHS REQUIRED. | Cured | Credit | EG1 | 3/8/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 121260 | XXX | XXX | XXX | Credit - Income and Assets | Missing source of Earnest Money Deposit in the amount of $XXX and evidence of transfer to the closing agent. | 20004-42 | 3/25/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Copy of EMD receipt, gift letter, cancelled check from donars business all verify transfer of donar funds into escrow. | COMPENSATING FACTORS: 1. HIGH FICO SCORE OF XXX WHICH EXCEEDS THE 700 MINIMUM REQUIRED. 2. GOOD DTI OF XXX WHICH IS BELOW THE PROGRAM MAXIMUM OF 55% 3. XXX MONTHS PITI RESERVES WHICH EXCEEDS THE 6 MONTHS REQUIRED. | Cured | Credit | EG1 | 3/8/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 121260 | XXX | XXX | XXX | Credit - Credit | Lender approved exception for inadequate credit tradelines. Borrower does not have the minimum three tradelines required.Compensating Factors;1. Borrower has current revolving $XXX limit paid as agreed, opened XXX. VOR and 12 months bank statements to show $XXX paid every month3. Borrower has assets of over $XXX. | 20004-44 | 3/14/2022 | Waived/Exception Granted |  | COMPENSATING FACTORS: 1. HIGH FICO SCORE OF XXX WHICH EXCEEDS THE 700 MINIMUM REQUIRED. 2. GOOD DTI OF XXX WHICH IS BELOW THE PROGRAM MAXIMUM OF 55% 3. XXX MONTHS PITI RESERVES WHICH EXCEEDS THE 6 MONTHS REQUIRED. | Waived | Credit | EG2 | 3/8/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 116729 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing 2nd consecutive bank statement from XXX xxXXX to complete most recent 60 day. Account was used to qualify; XXX statement only provided. | 20004-1119 | 3/28/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/28/2022 Bank statement for XXX XXX xxXXX- named incorrectly | Compensating Factors: 1. FICO score of XXX; XXX points > min score of 700 program minimum 2. Reserves XXX + months more than the minimum of 6 months per guidelines. | Cured | Credit | EG1 | 3/11/2022 | Primary Residence | XXX | XXX | Refinance - rate and term | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 933786 | XXX | XXX | XXX | Compliance - Regulatory Compliance | The loan contains errors within one or more TRID disclosure. Missing proof Non-Borrowing Spouse received a Closing Disclosure at least 3 days prior to Consummation. | 20004-1129 | 3/30/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/30/2022 CD eDisclosed on XXX reflects non-borrower's name and can be considered disclosed within 3 days prior to Consummation. | COMPENSATING FACTORS: 1. LOW LTV OF XXX% WHICH IS LESS THAN THE MAXIMUM LTV OF 80% 2. HIGH FICO SCORE OF XXX WHICH IS ABOVE THE 660 MINIMUM SCORE PROVIDED 3. HIGH PITI RESERVES OF OF XXX MONTHS WHICH IS ABOVE THE 6 MONTHS REQUIRED. | Cured | Compliance | EG1 | 3/24/2022 | Second Home | XXX | XXX | Refinance - rate and term | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 933786 | XXX | XXX | XXX | Credit - Income and Assets | Missing documentation to address the issue of the cash back exceeding the maxiimum allowed for a rate and term refinance. The loan was approved as a rate and term refiance but the cash out reflected on the final HUD-1/CD is $XXX which exceeds the greater of 1% of the loan amount or $2,000.00. The loan amount for the subject transaction $XXX and the maximum cash out allowed would be $XXX | 20004-1135 | 4/5/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 04/05/2022 Received updated CD reflecting cashout within guidelines due to a principal reduction | COMPENSATING FACTORS: 1. LOW LTV OF XXX% WHICH IS LESS THAN THE MAXIMUM LTV OF 80% 2. HIGH FICO SCORE OF XXX WHICH IS ABOVE THE 660 MINIMUM SCORE PROVIDED 3. HIGH PITI RESERVES OF OF XXX MONTHS WHICH IS ABOVE THE 6 MONTHS REQUIRED. | Cured | Credit | EG1 | 3/24/2022 | Second Home | XXX | XXX | Refinance - rate and term | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 933786 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Application is incomplete. The initial 1003 Uniform Residential Loan Application in file is not signed by the Loan Originator. | 20004-1130 | 3/31/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/31/2022 Received email from XXX that we will no longer site for the LO's signature on 1003s. | COMPENSATING FACTORS: 1. LOW LTV OF XXX% WHICH IS LESS THAN THE MAXIMUM LTV OF 80% 2. HIGH FICO SCORE OF XXX WHICH IS ABOVE THE 660 MINIMUM SCORE PROVIDED 3. HIGH PITI RESERVES OF OF XXX MONTHS WHICH IS ABOVE THE 6 MONTHS REQUIRED. | Cured | Credit | EG1 | 3/24/2022 | Second Home | XXX | XXX | Refinance - rate and term | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 451924 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing Seller Loan Approval. No information about date and credit decision, product, documentation type, LTV/CLTV calculations, ratios, underwriting conditions, or Credit/Fico scores. | 20005-44 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 1008 provided is sufficient per XXX | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 660 2. XXX months reserves; XXX months greater than 6 month program minimum 3. DSC ratio of XXX; XXX greater than 1.00 program minimum | Cured | Credit | EG1 | 3/11/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 731752 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing current leases for XXX and XXX. verifying total rent of $XXX. Noted lease in file for XXX. Expired XXX | 20005-19 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 3/16/22: leases provided with month to month tenancy. Cleared. | Compensating factors: 1. LTV is XXX% Max 60% 2. XXX in reserves. Minimum required 3 3. Fico score is XXX. Minimum required 600 | Cured | Credit | EG1 | 3/9/2022 | Investment Property | XXX | XXX | Refinance - rate and term | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 731752 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing signed Authorization to Close Line of Credit form for XXX Heloc #XXX //UPDATE 03/16/2022 Located the HELOC closure however the document is incomplete - missing account number information on the document | 20005-21 | 3/21/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/21/2022 XXX number matches the final tilte policy that does not reflect the HELOC | Compensating factors: 1. LTV is XXX% Max 60% 2. XXX in reserves. Minimum required 3 3. Fico score is XXX. Minimum required 600 | Cured | Credit | EG1 | 3/9/2022 | Investment Property | XXX | XXX | Refinance - rate and term | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 731752 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing signed Manual Approval | 20005-22 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 We have the 1008 and loan conditions - ok to clear per XXX | Compensating factors: 1. LTV is XXX% Max 60% 2. XXX in reserves. Minimum required 3 3. Fico score is XXX. Minimum required 600 | Cured | Credit | EG1 | 3/9/2022 | Investment Property | XXX | XXX | Refinance - rate and term | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 526249 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing Loan Approval Document for Subject property located at XXX. | 20005-55 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 1008 provided is sufficient per XXX | Compensating factors: 1. Credit Score: XXX; XXX points > 680 program minimum 2. Reserves; XXX; XXX> 3 mo sub and XXX mo ea additional property required by program minimum 3. LTV: XXX%; XXX% < 80.00% program maximum | Cured | Credit | EG1 | 3/14/2022 | Investment Property | XXX | XXX | Refinance - rate and term | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 526249 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to determine the terms under which the borrower acquired the subject property. Title report reflects vested owner name XXX. Title reflects prior NOD filed under vested owner. Title item #10 (Notice of Interest) by unknown party dated XXX, then title item #11 shows Quitclaim deed dated XXX from XXX to borrower's business XXX. Unable to determine if this was a bonafide purchase transaction or borrower acquired under different terms. | 20005-99 | 3/22/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | UPDATE 3.22.2022 Required document to clear provided by lender. | Compensating factors: 1. Credit Score: XXX; XXX points > 680 program minimum 2. Reserves; XXX; XXX> 3 mo sub and XXX mo ea additional property required by program minimum 3. LTV: XXX%; XXX% < 80.00% program maximum | Cured | Credit | EG1 | 3/14/2022 | Investment Property | XXX | XXX | Refinance - rate and term | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 338741 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing Seller Loan Approval. No information about date and credit decision, product, documentation type, LTV/CLTV calculations, ratios, underwriting conditions, or Credit/Fico scores. | 20005-1 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 Received 1008 which is sufficient per XXX | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 700 2. XXX% LTV; XXX% below 75% program maximum 3. XXX months reserves; XXX months greater than 3 month program minimum 4. DSC ratio of XXX; XXX greater than 1.00 program minimum | Cured | Credit | EG1 | 3/4/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 334788 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing lender's manual loan approval | 20005-12 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 Ok to clear - 1008 and loan conditions provided - XXX approved this documentation for the trade | Compensating Factors: 1. FICO is XXX; XXX points > min FICO of 600 2. Mortgage history is 0x30 since inception XXX 3. XXX months reserves; XXX months > 6 month reserves requirement 4. Low LTV of XXX%; XXX% < program max LTV of 60% | Cured | Credit | EG1 | 3/7/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 334788 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation that the lender has addressed/resolved the Possible Invalid Address at XXX for the borrower's current address, which was provided on the loan application. There is a discrepancy regarding the borrower's current address provided on the loan application and the verified address/reported address reflected on the Fraud report dated XXX and the credit report dated XXX./// UPDATE - Received Unsigned updated loan application showing the borrower's current and mailing addresses at XXX. Missing updated loan application signed by the borrower. Insufficient to clear./// | 20005-15 | 3/21/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/21/2022 Post closing corrected 1003 does not need to be signed by the borrower - a letter was provided to the borrower to acknowledge the error and the correction | Compensating Factors: 1. FICO is XXX; XXX points > min FICO of 600 2. Mortgage history is 0x30 since inception XXX 3. XXX months reserves; XXX months > 6 month reserves requirement 4. Low LTV of XXX%; XXX% < program max LTV of 60% | Cured | Credit | EG1 | 3/7/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 220004 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing a CPA letter reflecting the total ownership percentage of the borrower and that the borrower has access to the funds in the business accounts used to verify the borrower has sufficient assets to meet the minimum reserves requirement. | 20004-122 | 3/31/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Bank statement does show Sole Prop with POD beneficiary. |  | Cured | Credit | EG1 | 3/18/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 220004 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing proof of original mortgage obligation for XXX has been paid off via Closing Disclosure; //UPDATE 04/04/2022 Received CD for XXX; missing CD for XXX | 20004-120 | 4/8/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 04/08/2022 XXX was included in the DTI - this is also reflected on the 1003 provided |  | Cured | Credit | EG1 | 3/18/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 221853 | XXX | XXX | XXX | Credit - Insurance and Title | Missing documentation to evidence the subject property has sufficient hazard insurance. The policy in the file is not sufficient to cover the current loan amount and the loan file does not contains a replacement cost estimator. | 20005-2 | 3/21/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/21/2022 Received policy with suffiicient coverage which included replacement cost. Premium was already included in the properties owned worksheet | Compensating factors: 1. DSCR XXX 2. XXX months reserves; XXX months > 6 months program minimum 3. LTV XXX%; XXX%<65% program maximum. | Cured | Credit | EG1 | 3/4/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 947619 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to evidence the address discrepancy on the VOM for the borrower's property located at XXX. The VOM in the file reflects the currrent balance on the mortgage for the property at XXX which is the subject property assres as $XXX but the payoff statement reflects a payoff of $XXX . There is no documentation to addresss the discrepancy between the VOM and the payoff statement. The payoff on the final HUD-1 / CD also reflects a payoff of $XXX. | 20005-110 | 3/31/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/31/2022 Received explanation from lender the VOM incorrectly reflected the address of XXX; however should have reflected 1003 XXX the borrower primary residence and property profile reflects lender was XXX and reflects borrowers primary residence | Compensating factors: 1. DSCR XXX 2. XXX months reserves; XXX months > 6 months program minimum 3. LTV XXX% | Cured | Credit | EG1 | 3/28/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 667348 | XXX | XXX | XXX | Credit - Legal Documentation | Missing signed copy of the subject Note. | 20005-106 | 4/4/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 04/04/2022 Received signed Note | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 700 2. XXX% LTV; XXX% below 75% program maximum 3. XXX months reserves; XXX months greater than 3 month program minimum 4. DSC ratio of XXX; XXX greater than 1.00 program minimum | Cured | Credit | EG1 | 3/28/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 130491 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing lender's manual loan approval. 1008 only was provided. | 20005-24 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 1008 provided is sufficient per XXX | Compensating factors: 1. Credit Score: XXX; XXX points > 700 program minimum 2. Reserves; $XXX are $XXX > $12,905.43 program minimum (3 months subject + 2% unpaid balance other financed properties) 3. LTV: XXX%; XXX% < 75.00% program maximum | Cured | Credit | EG1 | 3/10/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 394973 | XXX | XXX | XXX | Credit - Insurance and Title | Missing evidence of hazard/homeowners insurance policy. subject to re-calculation of DSCR upon receipt. | 20005-18 | 3/21/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/21/2022 Received policy and added to the properties owned screen | compensating factors 1. borrowers credit score of XXX exceeds minimum score of 700 2. borrowers reserves of $XXX exceeds minimum of $45,809.03 (subject + 4% upb financed properties) 3. borrower DSCR score of XXX exceeds min of 1. | Cured | Credit | EG1 | 3/10/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 394973 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing Lender's manual loan approval. | 20005-67 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 1008 provided is sufficient per XXX | compensating factors 1. borrowers credit score of XXX exceeds minimum score of 700 2. borrowers reserves of $XXX exceeds minimum of $45,809.03 (subject + 4% upb financed properties) 3. borrower DSCR score of XXX exceeds min of 1. | Cured | Credit | EG1 | 3/10/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 680384 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing VOM showing a satisfactory 12 month history for the XXX #XXX mortgage against the XXX... property. | 20005-53 | 3/21/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | MORTGAGE STATEMENT PROVIDED MEETS THE CONDITION. | COMPENSATING FACTORS: 1. GOOD LTV OF XXX% WHICH IS BELOW THE PROGRAM MAXIMUM OF 75% 2. HIGH FICO SCORE OF XXX WHICH IS ABOVE THE PROGRAM MINIMUM OF 700 3. HIGH RESERVES OF $XXX WHICH EXCEEDS THE $46,170.95 MONTHS REQUIRED (3 MO SUBJECT + 4% UPB 7 ADDITIONAL PROPERTIES) 4. HIGH DSCR RATIO OF XXX% | Cured | Credit | EG1 | 3/11/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 680384 | XXX | XXX | XXX | Credit - Insurance and Title | Missing satisfactory evidence of hazard insurance for subject property. Subject to re-calculation of DSCR upon receipt./// UPDATE 3/17/2022 - Insurance policy provided reflects coverage limit of $XXX and is not sufficient to cover the loan amount of $XXX or cost to rebuild of $XXX Insufficient to clear./// | 20005-39 | 3/22/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/22/2022 Policy reflects replacement cost | COMPENSATING FACTORS: 1. GOOD LTV OF XXX% WHICH IS BELOW THE PROGRAM MAXIMUM OF 75% 2. HIGH FICO SCORE OF XXX WHICH IS ABOVE THE PROGRAM MINIMUM OF 700 3. HIGH RESERVES OF $XXX WHICH EXCEEDS THE $46,170.95 MONTHS REQUIRED (3 MO SUBJECT + 4% UPB 7 ADDITIONAL PROPERTIES) 4. HIGH DSCR RATIO OF XXX% | Cured | Credit | EG1 | 3/11/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 357675 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Mortgage, Closing Disclosure and Notice of Right to Cancel are missing the Signature of Non-Borrower's Spouse or proof Subject property is not their Primary Residence. | 20004-78 | 3/28/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/28/2022 Received proof via Title Statement of Identity that Non-Borrower's Spouse does not reside in subject property and therefore is not required to sign CD or Right to Cancel. | Compensating Factors: 1. XXX FICO. XXX points higher than required score of 700. 2. XXX DTI. XXX points lower than guideline max of 55%. | Cured | Compliance | EG1 | 3/15/2022 | Primary Residence | XXX | XXX | Refinance - rate and term | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 357675 | XXX | XXX | XXX | Compliance - Regulatory Compliance | //UPDATE: 04/05/2022 Received XXX Lock-In Agreement which is not sufficient as a Mortgage Loan Commitment. XXX Lock-In Agreement specificaly states in paragraph one "This is not a commitment to lend." Condition remains as is.Missing the following required State Disclosures: XXX Mortgage Loan Commitment (Lender's Manual Loan Approval is not in file). | 20004-79 | 4/7/2022 | Waived/Exception Granted | 04/07/2022 Client waived. See email in 3rd Party Products.<br>//UPDATE: 04/05/2022 Received XXX Lock-In Agreement which is not sufficient as a Mortgage Loan Commitment XXX Lock-In Agreement specificaly states in paragraph one "This is not a commitment to lend." Condition remains as is. | Compensating Factors: 1. XXX FICO. XXX points higher than required score of 700. 2. XXX DTI. XXX points lower than guideline max of 55%. | Waived | Compliance | EG2 | 3/15/2022 | Primary Residence | XXX | XXX | Refinance - rate and term | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 357675 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to support borrower's ownership interest in XXX. Articles of Incorporation and XXX business search results show borrower designation as AMBR (authorized to exectue and file records) and is not indicative of ownership interest in the business entity. Subject to re-calculation of earnings and debt ratio upon receipt.// 3/29 Lender responded advising borrowers percent of ownership is 50% and is located in Schedule A per the Articles of Incorporation | 20004-1132 | 3/29/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 3/29 Lender responded advising borrowers percent of ownership is 50% and is located in Schedule A per the Articles of Incorporation | Compensating Factors: 1. XXX FICO. XXX points higher than required score of 700. 2. XXX DTI. XXX points lower than guideline max of 55%. | Cured | Credit | EG1 | 3/15/2022 | Primary Residence | XXX | XXX | Refinance - rate and term | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 769092 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing Loan Approval Document - Eligibility Review cannot be performed. | 20005-25 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 1008 and loan conditions provided - ok to clear per XXX | Compensating factors: 1. Credit Score: XXX; XXX points > 660 program minimum 2. Reserves; XXX; XXX> 3 mo required by program minimum 3. LTV: XXX%; XXX% < 75.00% program maximum | Cured | Credit | EG1 | 3/10/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 109086 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Subject property zoning is rural with 22.39 cares and considered a unique property (acreage greater than 10 acres). Per guidelines, unique properties may be considered on a case-by-case basis. Missing documentation to support the property was considered and approved. | 20004-107 | 3/22/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | UPDATE 3.22.2022 Required document to clear provided by client. | Compensating factors: 1. Credit Score: XXX; XXX points > 680 program minimum 2. Reserves of XXX months; XXX months > 3 month program minimum 3. LTV: XXX%; XXX% < 80.00% program maximum | Cured | Credit | EG1 | 3/8/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 109086 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing lender's manual loan approval. 1008 only was provided. | 20004-38 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 1008 provided is sufficient per XXX | Compensating factors: 1. Credit Score: XXX; XXX points > 680 program minimum 2. Reserves of XXX months; XXX months > 3 month program minimum 3. LTV: XXX%; XXX% < 80.00% program maximum | Cured | Credit | EG1 | 3/8/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 109086 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Missing the following required Federal Disclosures: Signed Escrow Waiver for property taxes and hazard insurance. The IEADS showed only flood insurance is impounded, yet the Impound Authorization showed the property taxes, hazard insurance, and flood insurance were required to be impounded by Lender. The XXX Post Consummation Closing Disclosure showed only the flood insurance was impounded. | 20004-58 | 3/21/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/21/2022 Considering borrower's acknowledgment of Closing Disclosure reflecting only Flood Insurance impounded as sufficient disclosure. | Compensating factors: 1. Credit Score: XXX; XXX points > 680 program minimum 2. Reserves of XXX months; XXX months > 3 month program minimum 3. LTV: XXX%; XXX% < 80.00% program maximum | Cured | Compliance | EG1 | 3/8/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 336214 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing the lender loan approval. | 20005-47 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 1008 provided is sufficient per XXX | Compensating factors: 1. Credit Score: XXX; XXX points > 700 program minimum 2. Reserves; XXX; XXX> 6 mo required by program minimum 3. LTV: XXX%; XXX% < 75.00% program maximum | Cured | Credit | EG1 | 3/11/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 486060 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing hazard insurance replacement costs estimator as the coverage amount of $XXX is less than the $XXX loan amount. | 20005-90 | 4/8/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 04/08/2022 Replacement cost estimator is on page 249 of the upload | COMPENSATING FACTORS: 1. HIGH CREDIT SCORE OF XXX WHICH IS ABOVE THE 700 MINIMUM REQUIRED SCORE. 2. HIHG PITI RESERVES OF XXX MONTHS WHICH ABOVE THE 9 MONTHS REQUIRED. | Cured | Credit | EG1 | 3/15/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 357472 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Missing the following required Federal Disclosures: Borrower Consent to the Use of Tax Return Information. | 20004-64 | 3/24/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/24/2022 Located Borrower Consent to Use of Tax Return Information on page 533 of Root Doc. | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 680 2. Low DTI ratio of XXX%; XXX% less than max DTI of 50% 3. High residual income of $XXX; $XXX greater than minimum $2,500 residual income | Cured | Compliance | EG1 | 3/14/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 357472 | XXX | XXX | XXX | Credit - Income and Assets | Missing documentation for the large deposit of $XXX on XXX in the borrower business account with XXX account ending xxxXXX, which was used for qualifying income. Evidence is needed to verify the deposit is part of income sources./// UPDATE 3/28/2022 - Received updated 1008/1003 & updated lender income worksheet removing unsourced large deposit. Condition cleared./// | 20004-99 | 3/28/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | /// UPDATE 3/28/2022 - Received updated 1008/1003 & updated lender income worksheet removing unsourced large deposit. Condition cleared./// | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 680 2. Low DTI ratio of XXX%; XXX% less than max DTI of 50% 3. High residual income of $XXX; $XXX greater than minimum $2,500 residual income | Cured | Credit | EG1 | 3/14/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 357472 | XXX | XXX | XXX | Credit - Income and Assets | Missing signed letter of explanation from the borrower regarding the decreasing trend of ending balances in the last 6 months. | 20004-100 | 3/29/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Rec'd response from seller which indicated LOE is not required and disagreed with the trend. Upon re-review, condition has been cleared. | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 680 2. Low DTI ratio of XXX%; XXX% less than max DTI of 50% 3. High residual income of $XXX; $XXX greater than minimum $2,500 residual income | Cured | Credit | EG1 | 3/14/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 357472 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing lender's manual loan approval. | 20004-83 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 1008 provided is sufficient per XXX | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 680 2. Low DTI ratio of XXX%; XXX% less than max DTI of 50% 3. High residual income of $XXX; $XXX greater than minimum $2,500 residual income | Cured | Credit | EG1 | 3/14/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 357472 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation that lender has addressed/resolved the Possible match found on SAM.gov for the Loan Officer, XXX, reflected on the Fraud report dated XXX. | 20004-98 | 3/29/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/29/2022 Comments were provided on the 1008 to address this concern | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 680 2. Low DTI ratio of XXX%; XXX% less than max DTI of 50% 3. High residual income of $XXX; $XXX greater than minimum $2,500 residual income | Cured | Credit | EG1 | 3/14/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 357472 | XXX | XXX | XXX | Compliance - Regulatory Compliance | //UPDATE: 03/24/2022 Received a PC CD dated XXX, however, it reflects a Tolerance Cure Credit of $XXX in Section "J". Need proof additional Credit of $XXX was provided to borrower(s).This loan failed TRID zero fee tolerance. On the Post Consummation Closing Disclosure in file Issued XXX the Lender Credits decreased, resulting in the below TRID Tolerance Violation.Integrated Disclosures Tolerance & Reimbursement Provisions - 02/02/2022 - 1This loan failed the lender credits that cannot decrease test. (12 CFR 1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to 1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). The total tolerance violation is $XXX. | 20004-63 | 3/28/2022 | Compliance conditions cured by satisfactory remediation docs/re-disclosures | 03/28/2022 Received a copy of the Final Settlement Statement which reflects $XXX Credit of which Lender reflects was a Recording Fee credit by Title.<br>//UPDATE: 03/24/2022 Received a PC CD dated XXX, however, it reflects a Tolerance Cure Credit of $XXX in Section "J". Need proof additional Credit of $XXX was provided to borrower(s). | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 680 2. Low DTI ratio of XXX%; XXX% less than max DTI of 50% 3. High residual income of $XXX; $XXX greater than minimum $2,500 residual income | Cured | Compliance | EG2 | 3/14/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 102244 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Missing signed Non-Occupant Certification for subject property. | 20005-33 | 3/17/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/17/2022 Updated received signed Non-Occupany Cert. | Compensating Factors: 1) LTV/CLTV XXX, XXX% <70% maximum guideline requirement 2) Reserves from cashout $XXX. XXX > 6 months requirement of $7743.36 | Cured | Compliance | EG1 | 3/10/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 102244 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing Borrowers acknowledge the loan is a business purpose loan by signing the Borrowers Intent to Proceed with Loan and Business Purpose Loan Certification, not proivded in file. | 20005-34 | 3/17/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/17/2022 Updated received signed business purpose borrowers intent to proceed. | Compensating Factors: 1) LTV/CLTV XXX, XXX% <70% maximum guideline requirement 2) Reserves from cashout $XXX. XXX > 6 months requirement of $7743.36 | Cured | Credit | EG1 | 3/10/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 355485 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing Loan Approval Document for Subject property located at XXX. | 20004-95 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 1008 provided is sufficient per XXX | Compensating factors: 1. Credit Score: XXX; XXX points > 680 program minimum 2. DTI: XXX%; XXX% < 50.00% program maximum 3. Reserves; XXX; XXX> 6 mo required by program minimum 4. LTV: XXX%; XXX% < 80.00% program maximum | Cured | Credit | EG1 | 3/15/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 355485 | XXX | XXX | XXX | Credit - Legal Documentation | The Deed of Trust is missing the legal description attached as Exhibit "A". Deed of Trust in file dated XXX reflects "See Legal Description Attached as Exhibit "A", Herein." on Page 4, however, Exhibit "A" is missing. Need full copy of Deed of Trust inclusive of Exhibit "A" legal description and any riders. | 20004-84 | 3/22/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/22/2022 Received full copy of Recorded Deed of Trust inclusive of Legal Description and Rider. | Compensating factors: 1. Credit Score: XXX; XXX points > 680 program minimum 2. DTI: XXX%; XXX% < 50.00% program maximum 3. Reserves; XXX; XXX> 6 mo required by program minimum 4. LTV: XXX%; XXX% < 80.00% program maximum | Cured | Credit | EG1 | 3/15/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 355485 | XXX | XXX | XXX | Compliance - Regulatory Compliance | //UPDATE: 03/22/2022 Received Lender's Explanation of chain of events for CDs (Date of CD in condition has been changed to XXX), however, "Corrected CD" is not a sufficient reason for Points to Increase. Need Lender's Signed Attestation that Points Increased due to a Valid rate dependent fee reason for XXX CD and a Valid reason for Addition of Appraisal Risk Review on XXX. We are unable to accurately apply TRID changed circumstances with only "corrected CD" as a reason for change.This loan failed TRID zero fee tolerance. On the Revised Closing Disclosure (CD) in file Issued XXX the "Points" increased and on the Revised Closing Disclosure (CD) in file Issued XXX the "Appraisal Risk Review Fee" was added and the RESPA Changed Circumstance Detail Forms could not be applied as they do not detail the Explanation of Changes. Also, on the Post Consummation Closing Disclosure, the "Credit Report" fee increased, all resulting in the below TRID Tolerance Violation.Integrated Disclosures Tolerance & Reimbursement Provisions - 02/28/2022 - 1This loan failed the charges that cannot increase test. (12 CFR 1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to 1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.This loan failed the reimbursement amount test. (12 CFR 1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX. Your total tolerance violation is $XXX. | 20004-86 | 3/23/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/23/2022 Received Lender's explanation of changes including the fact that the points remained at 1% and only increased due to Loan Amount increase. Entered COC in CE and received a Pass result for Reimbursement testing.<br>//UPDATE: 03/22/2022 Received Lender's Explanation of chain of events for CDs (Date of CD in condition has been changed to XXX), however, "Corrected CD" is not a sufficient reason for Points to Increase. Need Lender's Signed Attestation that Points Increased due to a Valid rate dependent fee reason for XXX CD and a Valid reason for Addition of Appraisal Risk Review on XXX. We are unable to accurately apply TRID changed circumstances with only "corrected CD" as a reason for change. | Compensating factors: 1. Credit Score: XXX; XXX points > 680 program minimum 2. DTI: XXX%; XXX% < 50.00% program maximum 3. Reserves; XXX; XXX> 6 mo required by program minimum 4. LTV: XXX%; XXX% < 80.00% program maximum | Cured | Compliance | EG1 | 3/15/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 355485 | XXX | XXX | XXX | Compliance - Regulatory Compliance | This loan failed TRID 10% fee tolerance. On the Revised Closing Disclosure (CD) in file Issued 02/17/2022 the "Title - Signing Fee" and "Title - Title Insurance" fee both increased and on the Revised Closing Disclosure (CD) in file Issued XXX the "Recording Fees" increased and the RESPA Changed Circumstance Detail Forms could not be applied as they do not detail the Explanation of Changes.This loan failed the charges that in total cannot increase more than 10% test. (12 CFR 1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to 1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the comparable charges ($XXX) by more than 10%. Total tolerance violation is $XXX. | 20004-87 | 3/23/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/23/2022 Received Lender's Explanation of changes. Entered into CE and received a Pass result for reimbursement testing. | Compensating factors: 1. Credit Score: XXX; XXX points > 680 program minimum 2. DTI: XXX%; XXX% < 50.00% program maximum 3. Reserves; XXX; XXX> 6 mo required by program minimum 4. LTV: XXX%; XXX% < 80.00% program maximum | Cured | Compliance | EG1 | 3/15/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 888831 | XXX | XXX | XXX | Credit - Insurance and Title | Missing updated hazard insurance policy. Copy of the policy is in the file, however, annual premium in not reflected on the policy, which is required to validate full PITI. Used monthly amount reflected on 1003. | 20005-97 | 3/28/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/28/2022 Received policy reflecting premium amount | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 700 2. XXX% LTV; XXX% below 75% program maximum 3. DSC ratio of XXX; XXX greater than 1.00 program minimum | Cured | Credit | EG1 | 3/17/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 888831 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Client approved exception for borrowers limited to eight loans with XXX not to exceed $3,000,000.00 to allow XXX loans with XXX, total combined balance $XXX.Compensating Factors:1. XXX credit score; XXX points above program minimum credit score of 7002. XXX% LTV; XXX% below 75% program maximum3. DSC ratio of XXX; XXX greater than 1.00 program minimum | 20005-98 | 3/17/2022 | Waived/Exception Granted | Client elects to waive guideline requirement with compensating factors. | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 700 2. XXX% LTV; XXX% below 75% program maximum 3. DSC ratio of XXX; XXX greater than 1.00 program minimum | Waived | Credit | EG2 | 3/17/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 888831 | XXX | XXX | XXX | Credit - Income and Assets | Missing sufficient assets to meet reserve requirement. Per guidelines, a total of $XXX reserves is required (3 months PITI for subject and 6% unpaid balance for all other financed properties). Lender noted that borrower had $XXX in assets, however, based on the most updated screenshot dated XXX of borrower's checking account, current balance only reflects $XXX. | 20005-102 | 3/29/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/29/2022: Received correspondence; adjustments made. | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 700 2. XXX% LTV; XXX% below 75% program maximum 3. DSC ratio of XXX; XXX greater than 1.00 program minimum | Cured | Credit | EG1 | 3/17/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 888831 | XXX | XXX | XXX | Credit - Legal Documentation | The mortgage provided is missing Exhibit "A" containing the legal description. | 20005-68 | 3/28/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/28/2022 Received mortgage with legal description attached | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 700 2. XXX% LTV; XXX% below 75% program maximum 3. DSC ratio of XXX; XXX greater than 1.00 program minimum | Cured | Credit | EG1 | 3/17/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 448523 | XXX | XXX | XXX | Credit - Income and Assets | Missing documentation of escrow receipt of EMD $XXX and evidence of transfer to escrow. | 20004-118 | 3/30/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/30/2022 EMD is on page 402/403 if the initial upload | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 600 2. XXX months reserves; XXX months greater than 3 month reserves requirement | Cured | Credit | EG1 | 3/18/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 448523 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing executed copy of the F801 form that is part of the Purchase contract per Amendment #3 to Purchase Agreement. | 20004-116 | 3/25/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/25/2022 - Box is not checked for the form to be attached. | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 600 2. XXX months reserves; XXX months greater than 3 month reserves requirement | Cured | Credit | EG1 | 3/18/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 448523 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to evidence a corrected appraisal reflecting the correct city of the subject property was provided. The subject property reflected on the appraisal is XXX but the Note and Deed of Trust reflects the subject property city as XXX. Subject to review upon receiipt. | 20004-126 | 3/25/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/25/2022 - consulted with compliance - The Zip Code lookup reflects both City names, so they are considered one and the same. | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 600 2. XXX months reserves; XXX months greater than 3 month reserves requirement | Cured | Credit | EG1 | 3/18/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 448523 | XXX | XXX | XXX | Compliance - Regulatory Compliance | //UPDATE: 03/30/2022 received a PC CD dated XXX reflecting total cost to cure credit of $XXX, however, MISSING Copy of Reimbursement check for additional $XXX to borrower and proof of method of receipt to borrower.This loan failed TRID zero fee tolerance. On the initial Closing Disclosure (CD) in file Issued XXX the "Credit Report" fee increased and the Changed Circumstance could not be applied as it does not detail an explanation of change.Integrated Disclosures Tolerance & Reimbursement Provisions - 03/08/2022 - 1This loan failed the charges that cannot increase test. (12 CFR 1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to 1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX. | 20004-111 | 4/6/2022 | Compliance conditions cured by satisfactory remediation docs/re-disclosures | 04/06/2022 Received copy of Reimbursement check for $XXX and copy of Mailing label.<br>//UPDATE: 03/30/2022 received a PC CD dated XXX reflecting total cost to cure credit of $XXX, however, MISSING Copy of Reimbursement check for additional $XXX to borrower and proof of method of receipt to borrower. | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 600 2. XXX months reserves; XXX months greater than 3 month reserves requirement | Cured | Compliance | EG2 | 3/18/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 448523 | XXX | XXX | XXX | Compliance - Regulatory Compliance | This loan failed TRID 10% fee tolerance. On the initial Closing Disclosure (CD) in file Issued XXX the "Title - Owner's Title Policy" moved from Section H. "Other" to Section B. "Services Borrower Did Not Shop For," therefore including it in tolerance testing, resulting in the below TRID Tolerance Violation.This loan failed the charges that in total cannot increase more than 10% test. (12 CFR 1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to 1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the comparable charges ($XXX) by more than 10%. The total tolerance violation is $XXX. | 20004-112 | 3/29/2022 | Compliance conditions cured by satisfactory remediation docs/re-disclosures | 03/29/2022 Received PC CD moving Owner's Title Policy back to Section "H" therefore removing it from Tolerance testing. | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 600 2. XXX months reserves; XXX months greater than 3 month reserves requirement | Cured | Compliance | EG2 | 3/18/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 448523 | XXX | XXX | XXX | Compliance - Regulatory Compliance | The loan contains errors within one or more TRID disclosure. Missing signed Lender's explanation for incomplete Closing Disclosures in file missing pages and/or key data elements, however, not marked as "Draft" or "Preliminary". There are four Closing Disclosures in total, all missing the Date Issued. | 20004-109 | 4/5/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 04/05/2022 Received email from Settlement Agent that they issued teh CD and it should not have been provided in the review package. | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 600 2. XXX months reserves; XXX months greater than 3 month reserves requirement | Cured | Compliance | EG1 | 3/18/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 554354 | XXX | XXX | XXX | Credit - Legal Documentation | The mortgage provided is missing Exhibit "A" containing the legal description. | 20005-71 | 3/21/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/21/2022 Received mortgage with legal description attached | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 700 2. XXX% LTV; XXX% below 75% program maximum 3. XXX months reserves; XXX months greater than 6 month program minimum 4. DSC ratio of XXX; XXX greater than 1.00 program minimum | Cured | Credit | EG1 | 3/15/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 554354 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing Seller Loan Approval. No information about date and credit decision, product, documentation type, LTV/CLTV calculations, ratios, underwriting conditions, or Credit/Fico scores. | 20005-82 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 1008 provided is sufficient per XXX | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 700 2. XXX% LTV; XXX% below 75% program maximum 3. XXX months reserves; XXX months greater than 6 month program minimum 4. DSC ratio of XXX; XXX greater than 1.00 program minimum | Cured | Credit | EG1 | 3/15/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 554354 | XXX | XXX | XXX | Credit - Insurance and Title | Missing satisfactory evidence of hazard insurance for subject property reflecting annual premium. Hazard insurance company must have an acceptable risk rating. Subject to recalculation of debt ratios. //UPDATE 03/21/2022 Received policy with sufficient coverage however the premium amount was not listed to include in the DTI | 20005-84 | 3/25/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/25/2022 Premium is reflected on page 4 or the document | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 700 2. XXX% LTV; XXX% below 75% program maximum 3. XXX months reserves; XXX months greater than 6 month program minimum 4. DSC ratio of XXX; XXX greater than 1.00 program minimum | Cured | Credit | EG1 | 3/15/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 554354 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Client approved exception for program requirement that borrowers are limited to eight loans with XXX not to exceed $3,000,000.00 to allow XXX loans with XXX, with a total combined balance of XXX.Compensating Factors:1. XXX credit score; XXX points above program minimum credit score of 7002. XXX% LTV; XXX% below 75% program maximum3. XXX months reserves; XXX months greater than 6 month program minimum4. DSC ratio of XXX; XXX greater than 1.00 program minimum | 20005-85 | 3/15/2022 | Waived/Exception Granted | Client elects to waive guideline requirement with compensating factors. | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 700 2. XXX% LTV; XXX% below 75% program maximum 3. XXX months reserves; XXX months greater than 6 month program minimum 4. DSC ratio of XXX; XXX greater than 1.00 program minimum | Waived | Credit | EG2 | 3/15/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 485873 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing lenders loan approval. | 20005-48 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 1008 provided is sufficient per XXX | Compensating Factors: 1. XXX FICO. XXX points higher than the required score of 700. | Cured | Credit | EG1 | 3/11/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 485873 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Exception Approved. Guidelines state borrowers are limited to eight (8) loans with XXX not to exceed $3,000,000. Borrower will have XXX loans with XXX, with a combined total of $XXX. Lender approved Exception in file. Compensating Factors: 1. Strong credit-XXX FICO, XXX depth, XXX years on multiple mortgages, all paid as agreed. 2. Experienced investor with XXX properties currently under management. 3. Subject is free and clear. 4. Strong DSCR XXX% and strong LTV-XXX% with $XXX MM in personal/savings account. | 20005-54 | 3/12/2022 | Waived/Exception Granted |  | Compensating Factors: 1. XXX FICO. XXX points higher than the required score of 700. | Waived | Credit | EG2 | 3/11/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 485873 | XXX | XXX | XXX | Credit - Legal Documentation | The mortgage is missing the legal description attached as Exhibit A. | 20005-37 | 3/21/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/21/2022 Received mortgage with legal description attached. | Compensating Factors: 1. XXX FICO. XXX points higher than the required score of 700. | Cured | Credit | EG1 | 3/11/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 775668 | XXX | XXX | XXX | Credit - Legal Documentation | The mortgage is missing the legal description attached as Exhibit A. | 20005-38 | 3/24/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) |  | Compensating Factors: 1. XXX% LTC. Max 60% 2. Fico Score XXX. Minimum 600 3. XXX months reserves. Minimum 6 months reserves | Cured | Credit | EG1 | 3/14/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 775668 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing current lease/lease extension for subject property. Lease in file expired XXX | 20005-61 | 3/29/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/29/2022 Lease converts to month-to-month after expiration | Compensating Factors: 1. XXX% LTC. Max 60% 2. Fico Score XXX. Minimum 600 3. XXX months reserves. Minimum 6 months reserves | Cured | Credit | EG1 | 3/14/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 775668 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Exception Approval for exceeding maximum 8 financed properties with XXX (loans with XXX not to exceed $3,000,000.00) provided. Lender sited $XXX MM in personal bank account as compensating factor. XXX transaction detail in file dated XXX verifies only $XXX in bank account. Provide revised Exception Approval reflecting the current asset balance of $XXXCompensating factors:1. XXX% LTV2. XXX months reserves3. Fico Score XXX | 20005-62 | 3/30/2022 | Waived/Exception Granted |  | Compensating Factors: 1. XXX% LTC. Max 60% 2. Fico Score XXX. Minimum 600 3. XXX months reserves. Minimum 6 months reserves | Waived | Credit | EG2 | 3/14/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 775668 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Minimum reserve requirement of $XXX (3 mo subject + 6% upb 17 additional financed properties) is not met. Verified assets of XXX (subject cash proceeds + XXX Chase xxXXX). Missing supporting documentation and LOE from borrower explaining why XXX account xxXXX balance was $XXX on XXX and only $XXX on XXX. Missing XXX transaction detail for gap between XXX - XXX. Recent refi transactions support wired funds into account, however, transaction history dated XXX reflects ending balance $XXX and insufficient to support reserve requirement. | 20005-63 | 3/28/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) |  | Compensating Factors: 1. XXX% LTC. Max 60% 2. Fico Score XXX. Minimum 600 3. XXX months reserves. Minimum 6 months reserves | Cured | Credit | EG1 | 3/14/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 775668 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | The fraud report in file reflects a possible name match for XXX and XXX with SAM.gov watchlist. Verify clearance | 20005-66 | 3/24/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) |  | Compensating Factors: 1. XXX% LTC. Max 60% 2. Fico Score XXX. Minimum 600 3. XXX months reserves. Minimum 6 months reserves | Cured | Credit | EG1 | 3/14/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 387133 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | UPDATE: 3/30/2022: Received LOE for unique property meeting guideline limitations, however, the approval to allow the unique property was not provided. //// Property consists of 18 acres and exceeds 10 acre maximum per unique property guidelines. Subject property considered unique with two separate guest quarters resting on 18 acres, rural site with no zoning. Per guidelines, unique properties are considered on a case-by-case basis. Missing approval. | 20004-1137 | 4/1/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 04/01/2022 UW approval for the this property is acceptable - saveed email to 3rd party | Compensating imcome: 1) fico of XXX vs program min of 680 2) DTI of XXX% vs program max of 50% 3) LTV of XXX% vs program min of 80% | Cured | Credit | EG1 | 3/10/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 387133 | XXX | XXX | XXX | Compliance - Regulatory Compliance | The loan contains errors within one or more TRID disclosure. Missing proof of method of delivery for Post Consummation CD in file dated XXX. | 20004-48 | 3/25/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/25/2022 Borrower Letter is in file and Lender Credits appear on Settlement Statement in file as funded at disbursement. | Compensating imcome: 1) fico of XXX vs program min of 680 2) DTI of XXX% vs program max of 50% 3) LTV of XXX% vs program min of 80% | Cured | Compliance | EG1 | 3/10/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 152447 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing copy of lender's manual loan approval. | 20004-77 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 1008 provided is sufficient per XXX | Compensating Factors: 1. XXX months reserves; XXX months > 6 month program minimum 2. 0x30 mortgage history since inception XXX3. XXX% DTI; XXX% < 50.00% program maximum | Cured | Credit | EG1 | 3/4/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 11/7/2022 | 152447 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | The file is missing evidence of legal residency.//UPDATED 3/17/22. Received a USA Patriot Act form where only documents reviewed were drivers license and SS card. Still need copy of Permanent Resident Alien Card. | 20004-15 | 3/24/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) |  | Compensating Factors: 1. XXX months reserves; XXX months > 6 month program minimum 2. 0x30 mortgage history since inception XXX3. XXX% DTI; XXX% < 50.00% program maximum | Cured | Credit | EG1 | 3/4/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 11/7/2022 | 152447 | XXX | XXX | XXX | Property - Collateral | Per appraisal, "There were no CO Detector present at the time of inspection". CO detectors are required by XXX State law. This is considered a health and safety issue.//UPDATED 3/17/22. Received copy of same appraisal already in file with comment addendum which states "there are no CO detector present at time of inspection". Still need proof of CO detectors | 20004-22 | 3/28/2022 | Property condition cleared |  | Compensating Factors: 1. XXX months reserves; XXX months > 6 month program minimum 2. 0x30 mortgage history since inception XXX3. XXX% DTI; XXX% < 50.00% program maximum | Cured | Property | EG1 | 3/4/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 11/7/2022 | 865367 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Missing the following required State Disclosures: XXX Automated Valuation Report Notice and XXX Business Relationship Disclosure. | 20004-92 | 3/23/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/23/2022 Disclosures not required as there were no Automated Valuations performed and no Business Relationship exists. | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 680 2. XXX% LTV; XXX% below 80% program maximum 3. XXX months reserves; XXX months greater than 6 month program minimum | Cured | Compliance | EG1 | 3/15/2022 | Second Home | XXX | XXX | Refinance - rate and term | Non-Qualified Mortgage | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 865367 | XXX | XXX | XXX | Compliance - Regulatory Compliance | This loan failed TRID zero fee tolerance. On the initial Closing Disclosure (CD) in file Issued XXX the "Lender Credits" decreased without a valid Change of Circumstance, resulting in the below TRID Tolerance Violation.Integrated Disclosures Tolerance & Reimbursement Provisions - 03/03/2022 - 1This 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). The total tolerance violation is $XXX. | 20004-89 | 3/23/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/23/2022 Lender Credit violation was a result of Lender Paid Fees reducing due to actual charges. Entered variance in Lender Credits and received a Pass result. | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 680 2. XXX% LTV; XXX% below 80% program maximum 3. XXX months reserves; XXX months greater than 6 month program minimum | Cured | Compliance | EG1 | 3/15/2022 | Second Home | XXX | XXX | Refinance - rate and term | Non-Qualified Mortgage | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 865367 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Missing Signature/Name Affidavit/AKA Statement. | 20004-90 | 3/23/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/23/2022 Located Signature Affidavit on page 569 of root doc | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 680 2. XXX% LTV; XXX% below 80% program maximum 3. XXX months reserves; XXX months greater than 6 month program minimum | Cured | Compliance | EG1 | 3/15/2022 | Second Home | XXX | XXX | Refinance - rate and term | Non-Qualified Mortgage | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 852807 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing Landlord Liability/Rent Loss on hazard insurance for subject property. Copy provided does not reflect rent loss coverage. | 20005-46 | 3/21/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/21/2022 Received policy reflecting rental loss | Compensating Factors: 1) FICO XXX, XXX points <700 minimum guidelines requriement 2) Reserves $XXX reserves with cashout > 6 month guideline requirement for subject 3) 0x30x12 guideline requriement 1x30x12 | Cured | Credit | EG1 | 3/11/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 852807 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing lender's manual loan approval. 1008 only provided. | 20005-74 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 1008 provided is sufficient per XXX | Compensating Factors: 1) FICO XXX, XXX points <700 minimum guidelines requriement 2) Reserves $XXX reserves with cashout > 6 month guideline requirement for subject 3) 0x30x12 guideline requriement 1x30x12 | Cured | Credit | EG1 | 3/11/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 609613 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to support borrower's re-payment history with XXX account ending xxXXX for subject property. Mortgage and transaction history are in the name of XXX. Borrower LOE states has maintained payments since inception of loan, however, no supporting documentation provided. | 20005-72 | 3/18/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | VOM showing no mortgage lastes is accepted | COMPENSATING FACTORS; 1. LOW LTV OF XXX% WHICH IS BELOW THE PROGRAM MAXIMUM OF 75% 2. HIGH FICO SCORE OF XXX WHICH IS ABOVE THE 700 MINIMUM REQUIRED 3. HIGH PITI RESERVES OF XXX MONTHS WHICH IS ABOVE THE 6 MONTHS REQUIRED. | Cured | Credit | EG1 | 3/11/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 609613 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing copy of lender's manual loan approval. 1008 only was provided. | 20005-73 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 1008 provided is sufficient per XXX | COMPENSATING FACTORS; 1. LOW LTV OF XXX% WHICH IS BELOW THE PROGRAM MAXIMUM OF 75% 2. HIGH FICO SCORE OF XXX WHICH IS ABOVE THE 700 MINIMUM REQUIRED 3. HIGH PITI RESERVES OF XXX MONTHS WHICH IS ABOVE THE 6 MONTHS REQUIRED. | Cured | Credit | EG1 | 3/11/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 609613 | XXX | XXX | XXX | Credit - Legal Documentation | The mortgage is missing the legal description attached as Exhibit A.// 3/17 Received legal description, Exhibit A. | 20005-23 | 3/17/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 3/17 Received legal description, Exhibit A. | COMPENSATING FACTORS; 1. LOW LTV OF XXX% WHICH IS BELOW THE PROGRAM MAXIMUM OF 75% 2. HIGH FICO SCORE OF XXX WHICH IS ABOVE THE 700 MINIMUM REQUIRED 3. HIGH PITI RESERVES OF XXX MONTHS WHICH IS ABOVE THE 6 MONTHS REQUIRED. | Cured | Credit | EG1 | 3/11/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 290689 | XXX | XXX | XXX | Credit - Credit | Fraud report in file indicates possible other properties owned not disclosed on 1003 : XXX, XXX. Noted property profiles in file indicate the borrower still owns these properties, however, they were not disclosed on the 1003. Provide corrected 1003 including properties on REO section | 20005-26 | 3/17/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) |  | Compensating factors: 1. LTV = XXX%.. Max required 80% 2, XXX months reserves. 6 months required | Cured | Credit | EG1 | 3/10/2022 | Investment Property | XXX | XXX | Refinance - rate and term | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 290689 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing signed Manual Approval | 20005-27 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 1008 provided is sufficient per XXX | Compensating factors: 1. LTV = XXX%.. Max required 80% 2, XXX months reserves. 6 months required | Cured | Credit | EG1 | 3/10/2022 | Investment Property | XXX | XXX | Refinance - rate and term | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 818339 | XXX | XXX | XXX | Credit - Income and Assets | UPDATED 4/18/2022: Recalculated XXX earnings from XXX business. Bank statements provided show 100% of the deposits into XXX xxXXX are for XXX listing ID XXX = XXX property. Also matches history of bookings for same property. No other deposits. Using 12 month average as rental income only. Recalculated Total obligations $XXX (PITIA $XXX subject + $XXX (consumer) versus total earnings $XXX ($XXX XXX + $XXX net gain XXX property) = XXX% DTI//UPDATE 04/14/2022 the short term rental income to both offset the mortgage and to use as income to qualify and they cannot do both.Update 4/11/2022 Documentation received is not sufficient to clear the condition. Reviewed the income worksheet and recalculated income on initial review is higher than income reflected on new 1008/1003. There is no offset for the rental property obligation. DTI still exceeds guidelines and unable to duplicate client DTI calculation ///////Re-calculated debt ratio of XXX% exceeds 55.00% program maximum. Total obligations $XXX (PITIA $XXX subject + pitia $XXX (rental) + $XXX (consumer) versus total earnings $XXX ($XXX XXX + $XXX (XXX) = XXX% DTI. //UPDATE 4/5/2022 Documentation received is not sufficient to clear the condition. Reviewed income worksheet and recalculated income on initial review is higher than income reflected on new 1008/1003. There is no offset for the rental property obligation. DTI still exceeds guidelines and unable to duplicate client DTI calculation | 20004-1133 | 4/22/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 4/22/22: Income recalculated with XXX printout and additional XXX non-duplicate deposits in bank statement. Cleared. // UPDATED 4/18/2022: Recalculated XXX earnings from XXX business. Bank statements provided show 100% of the deposits into XXX xxXXX are for XXX listing ID XXX = XXX property. Also matches history of bookings for same property. No other deposits. Using 12 month average as rental income only. Recalculated Total obligations $XXX (PITIA $XXX subject + $XXX (consumer) versus total earnings $XXX ($XXX XXX + $XXX net gain XXX property) = XXX% DTI<br> //UPDATE 04/14/2022 the short term rental income to both offset the mortgage and to use as income to qualify and they cannot do both. | Compensating Factors; 1) FICO=XXX vs program minimum of 700 2)LTV= XXX% vs program max of 90% | Cured | Credit | EG1 | 3/16/2022 | Primary Residence | XXX | XXX | Refinance - rate and term | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 818339 | XXX | XXX | XXX | Credit - Income and Assets | UPDATE 4/11/2022 Documentation received is not sufficient to clear the condition. Reviewed income worksheet and recalculated income on initial review is higher than income reflected on new 1008/1003. There is no offset for the rental property obligation. DTI still exceeds guidelines and unable to duplicate client DTI calculation Missing signed lease agreement for property at XXX. Copy of booking history was provided, however, booking deposits match the deposits reflected in the XXX account xxXXX/xxXXX account used to qualify for XXX business income. Unable to also use as rental income for this property. //UPDATE 04/05/2022 Lease agreement was not provided. Documentation provided was the same as the documentation to clear conditon #1133. Uable to clear | 20004-1134 | 4/22/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 4/22/22: Rec'd clarification and documentation to support XXX is separate business not affiliated with XX XXX for XXX /// 4/11/2022 Documentation received is not sufficient to clear the condition. Reviewed income worksheet and recalulcated incmoe on initial review is higher than income reflected on new 1008/1003. There is no offsett for the rental property obligation. DTI still exceeds guidelines and unable to duplicate client DTI calculation | Compensating Factors; 1) FICO=XXX vs program minimum of 700 2)LTV= XXX% vs program max of 90% | Cured | Credit | EG1 | 3/16/2022 | Primary Residence | XXX | XXX | Refinance - rate and term | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 563410 | XXX | XXX | XXX | Property - Collateral | Mising documentation to evidence an updated appraisal review product was provided for the subject transaction. The appraisal in the file dated XXX refelcts a value of $XXX but the AAR review product indicates an appraised value of $XXX. There is no documentation in the file to address this discrepancy. //UPDATE 4/15/2022 Updated AAR shows value $XXX | 20005-111 | 4/15/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | //UPDATE 4/15/2022 Updated AAR shows value $XXX | Compensating Factors: 1. FICO XXX, XXX> 660 required 2. XXX% LTV, XXX%< 70% LTV | Cured | Property | EG1 | 4/5/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 11/7/2022 | 563410 | XXX | XXX | XXX | Credit - Credit | Missing the 12 most recent months cancelled checks to verify the 12 months mortgage history as a private party VOM was provided. The loan file contains 12 months bank statement but the statement do not reflect the payment for the mortgage to the private lender XXX. //UPDATE 4/12/2022 Missing or short housing history for non firsttime homebuyers Max 80%LTV and min Fico of 680. | 20005-123 | 4/12/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | //UPDATE 4/12/2022 Missing or short housing history for non firsttime homebuyers Max 80%LTV and min Fico of 680. | Compensating Factors: 1. FICO XXX, XXX> 660 required 2. XXX% LTV, XXX%< 70% LTV | Cured | Credit | EG1 | 4/5/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 11/7/2022 | 786484 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing lenders loan approval. | 20005-58 | 3/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/16/2022 1008 provided is sufficient per XXX | Compensating Factors: 1. XXX FICO. XXX points higher than required 680 mininum. 2. Excellent DSCR XXX%. 3. Low LTV of XXX%. | Cured | Credit | EG1 | 3/14/2022 | Investment Property | XXX | XXX | Refinance - rate and term | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 356134 | XXX | XXX | XXX | Credit - Legal Documentation | The Mortgage is missing the legal description attached as Exhibit A, //UPDATE 04/04/2022 Received legal description however must be attached to the mortgage; please provide the documents all together. | 20005-104 | 4/6/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | //UPDATE 04/04/2022 Received legal description however must be attached to the mortgage; please provide the documents all together. | compensating factors: 1. Credit Score of XXX exceeds minimum credit score of 620 2. Borrowers reserves of XXX exceed minimum reserves of $8545.86 | Cured | Credit | EG1 | 3/29/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 11/7/2022 | 356134 | XXX | XXX | XXX | Property - Collateral | Subject property was acquired in the last XXX days with an increase in price of XXX%. The program guidelines required the appraisal must provide commentary and the file must contain sufficient documentation to validate and support the increase in value as the property sold on XXX for $XXX and was appraised again on XXX for $XXX. The appraiser provided no commentary and there is no documentation to validate the actual costs to construct or renovate the subject property.. | 20005-105 | 4/6/2022 | Property condition cleared | Rec'd guideline clarification from seller that loan meets guidelines; The appraiser did address increase and stated subject was completely renovated, attached listing which lists the renovations, etc... | compensating factors: 1. Credit Score of XXX exceeds minimum credit score of 620 2. Borrowers reserves of XXX exceed minimum reserves of $8545.86 | Cured | Property | EG1 | 3/29/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 11/7/2022 | 356134 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing Sales Contract Addendums 1-4 (only have 5,6, and 7) //UPDATE 04/06/2022: Received amendments 1-3; missing amendment 4 | 20005-107 | 4/6/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | //UPDATED: A second Amendment numbered as #3 dated XXX appears to be the 4th amendment. Ok to clear.<br> ///04/06/2022: Received amendments 1-3; missing amendment 4 | compensating factors: 1. Credit Score of XXX exceeds minimum credit score of 620 2. Borrowers reserves of XXX exceed minimum reserves of $8545.86 | Cured | Credit | EG1 | 3/29/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 11/7/2022 | 356134 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing Fianl HUD-1 for the property located at XXX in XXX to verify the funds to close to verify the borrower has sufficient assets to mmet the minimum reserves requirement and close the subject transaaction. The XXX XXX bank statement xxXXX reflects an EMD in the amount of $XXX which indicats a possible new property purchase transaction. This property at XXX was not disclosed on the 1003. | 20005-108 | 4/4/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) |  | compensating factors: 1. Credit Score of XXX exceeds minimum credit score of 620 2. Borrowers reserves of XXX exceed minimum reserves of $8545.86 | Cured | Credit | EG1 | 3/29/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 11/7/2022 | 356134 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing proof of XXX EMD per CD dated XXX; Need copy of wire to title company and bank statement showing EMD cleared borrowers bank account. | 20005-109 | 4/6/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) |  | compensating factors: 1. Credit Score of XXX exceeds minimum credit score of 620 2. Borrowers reserves of XXX exceed minimum reserves of $8545.86 | Cured | Credit | EG1 | 3/29/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 11/7/2022 | 867438 | XXX | XXX | XXX | Credit - Income and Assets | Missing source of Earnest Money Deposit in the amount of $XXX and evidence of transfer to the closing agent. //UPDATE 4/12/2022 This condition is to source the EMD, not to determine if the borrower had property assets to cover it. Please provide the source of the EMD. //UPDATE 4/14/2022 Document provided | 20005-112 | 4/14/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | //UPDATE 4/14/2022 Document provided | Compensating Factors: 1. FICO XXX, XXX> 680 required 2. XXX months reserves, XXX Months> 6 required | Cured | Credit | EG1 | 4/5/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 146291 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing photos of the 3rd unit on the appraisal report. The report shows the subject is a 3 unit property but photos were only provided for units XXX and XXX. | 20005-93 | 3/28/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Waived condition as the original photos show all bedrooms and bathrooms though not clearly labled. | COMPENSATING FACTORS: 1. LOW LTV OF XXX% WHICH IS BELOW THE 75% MAXIMUM 2. HIGH FICO SCORE OF XXX WHICH IS ABOVE THE 600 MINIMUM REQUIRED 3. LARGE PITI RESERVES OF XXX MONTHS WHICH IS ABOVE THE 6 MONTHS REQUIRED. | Cured | Credit | EG1 | 3/16/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 892415 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Update 4/14/2022 The addendum reflecting XXX in seller credit is not sufficient to address the discrepancy between sale price on contract of $XXX and final sale price of $XXX. Missing purchase addendum with the correct loan amount of $XXX. Purchase agreement shows a sales price of $XXX | 20005-117 | 4/20/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 04/20/2022 Received corrected addedum reflecting sale price of $XXX | COMPENSATING FACTOR: 1. GOOD LTV OF XXX% WHICH IS UNDER THE PROGRAM MAXIMUM OF 80% 2. HIGH FICO SCORE OF XXX WHICH IS ABOVE THE PROGRAM MINIMUM OF 680. 3. HIGH PITI RESERVES OF XXX MONTHS WHICH IS ABOVE THE 6 MONTHS REQUIRED 4. DSCR SCORE OF XXX WHICH IS ABOVE THE 1.00 REQUIRED. | Cured | Credit | EG1 | 4/6/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 911395 | XXX | XXX | XXX | Credit - Credit | Missing satisfactory signed and dated LOE for all inquiries on the credit report within the past 90 days. //UPDATED 4.13.2022 Document required to clear provided by lender. | 20005-116 | 4/13/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | //UPDATED 4.13.2022 Document required to clear provided by lender. | Compensating factors: 1. Credit Score: XXX; XXX points > 660 program minimum 2. Reserves; XXX, XXX> 6 mo required by program minimum 3. LTV: XXX%; XXX% < 75.00% program maximum | Cured | Credit | EG1 | 4/6/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 628594 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Missing the following required State Disclosures: XXX Anti-Coercion Insurance Disclosure. | 20020-1199 | 5/20/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/20/2022 XXX Anti-Coercion Insurance Disclosure is now Out of Scope of Review. |  | Cured | Compliance | EG1 | 5/13/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 628594 | XXX | XXX | XXX | Compliance - Regulatory Compliance | //UPDATE: 05/23/2022 Received notification from Lender that Cooling Off period was met due to loan funding on XXX, however, Cooling Off period is based on re-disclosure vs. Consummation which occurred on XXX. Condition remains as is.This loan failed TRID timing of disclosures. This loan exceeded the APR threshold without providing a new waiting period, resulting in the below Timing Violation.Revised Closing Disclosure Timing Requirements - 03/14/2022 - 3This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR 1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under 1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of 1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under 1026.38(o)(4) becomes inaccurate, as defined in 1026.22.(B) The loan product is changed, causing the information disclosed under 1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under 1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under 1026.19(f)(1)(i) no later than three business days before consummation. | 20020-1205 | 5/24/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/24/2022 Received a CD dated XXX not previously in file. Entered into CE and received a Pass result for this test.<br>//UPDATE: 05/23/2022 Received notification from Lender that Cooling Off period was met due to loan funding on XXX, however, Cooling Off period is based on re-disclosure vs. Consummation which occurred on XXX. Condition remains as is. |  | Cured | Compliance | EG1 | 5/13/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 628594 | XXX | XXX | XXX | Compliance - Regulatory Compliance | This loan failed TRID zero fee tolerance. Missing proof of receipt for Revised Closing Disclosure (CD) in file issued XXX renders the Changed Circumstance Form as invalid and unable to reset tolerances, resulting in the below TRID tolerance violation.Integrated Disclosures Tolerance & Reimbursement Provisions - 03/23/2022 - 2This loan failed the charges that cannot increase test. (12 CFR 1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to 1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX. | 20020-1206 | 5/23/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/23/2022 Received proof of receipt of CD on XXX. Entered into CE and received a Pass result for this TRID test. |  | Cured | Compliance | EG1 | 5/13/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 628594 | XXX | XXX | XXX | Credit - Income and Assets | Missing 12 months consecutive bank statements to support lenders monthly income. | 20020-1198 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Sufficient documentation received to clear the condition. |  | Cured | Credit | EG1 | 5/13/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 513767 | XXX | XXX | XXX | Credit - Credit | Missing VOM for past 12 months for subject property. If VOM is from a private lender, provide 12 months canceled checks. //UPDATE 05/23/2022 Received credit supp reflecting XXX xxXXX Last paid XXX; Next due XXX - missing updated rating note dated XXX//05/25/2022 updated received payoff demands for XXX xxXXX showing last payment made XXX next due XXX but loan closed XXX. | 20021-135 | 5/25/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) |  | Compensating Factors: 1. XXX FICO; XXX points > 660 program minimum | Cured | Credit | EG1 | 5/16/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 513767 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing updated title commitment/preliminary report. The documents may not be more than 120 days old at closing (The Note date XXX and Preliminary title dated XXX) Closing instructions references preliminary title report dated XXX, however, this is missing from the file. | 20021-136 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/19/2022 Received updated prelim | Compensating Factors: 1. XXX FICO; XXX points > 660 program minimum | Cured | Credit | EG1 | 5/16/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 513767 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing VOM for past 12 months for property located at XXX. If VOM is from a private lender, provide 12 months canceled checks. //UPDATE 05/23/2022 Received credit supp reflecting XXX Last paid XXX ; Next due XXX - missing updated rating note is dated XXX | 20021-143 | 6/1/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 06/01/2022 Received credit supp reflecting next due XXX loan closed XXX | Compensating Factors: 1. XXX FICO; XXX points > 660 program minimum | Cured | Credit | EG1 | 5/16/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 513767 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing VOM for past 12 months for property located at XXX If VOM is from a private lender, provide 12 months canceled checks.//UPDATED 6/3/2022: Rec'd credit supplement | 20021-144 | 6/3/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | //UPDATE 06/3/2022 Received credit supp for XXX Escrow | Compensating Factors: 1. XXX FICO; XXX points > 660 program minimum | Cured | Credit | EG1 | 5/16/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 513767 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing VOM for both mortgages for the past 12 months for property located at XXX.If VOM is from a private lender, provide 12 months canceled checks. | 20021-145 | 6/7/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Rec'd docs for XXX. XXX loan cancelled per XXX. | Compensating Factors: 1. XXX FICO; XXX points > 660 program minimum | Cured | Credit | EG1 | 5/16/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 513767 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing VOM for both mortgages for the past 12 months for property located at XXX. If VOM is from a private lender, provide 12 months canceled checks. //UPDATE 05/23/2022 Received credit supp reflecting XXX xxXXX Last paid XXX; Next due XXX - missing updated rating note is dated XXX | 20021-146 | 6/1/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 06/01/2022 Received rating for XXX xxXXX next due XXX - loan closed XXX | Compensating Factors: 1. XXX FICO; XXX points > 660 program minimum | Cured | Credit | EG1 | 5/16/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 513767 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing VOM for past 12 months for property located at XXX. If VOM is from a private lender, provide 12 months canceled checks. //UPDATE 05/23/2022 1003 reflects the following mortgage missing rating XXX xxXXX //UPDATE 06/01/2022 Received credit supp however it did not reflect mortgage with XXX xxXXX | 20021-147 | 6/3/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | //UPDATE 06/01/2022 Received credit supp however it did not reflect mortgage with XXX xxXXX//6/3/22 Loan refinanced with XXX on XXX; 1st pmt due XXX. Mtg history is sufficient on credit supplement. | Compensating Factors: 1. XXX FICO; XXX points > 660 program minimum | Cured | Credit | EG1 | 5/16/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 647210 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing Articles of Organization for XXX document to contain a list of owners with their titles. | 20021-163 | 5/20/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/20/2022 Received articles of organization - listing the borrower as owner and his title. | Compensating Factors: 1. FICO score of XXX, XXX points above min score of 660 per guidelines. 2. DSCR of XXX, .XXX above min of >=1, per guidelines. 3. Additional reserves with Cash Out in hand. | Cured | Credit | EG1 | 5/18/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 340446 | XXX | XXX | XXX | Credit - Credit | Missing documentation to support borrower has maintained the monthly housing payment of $XXX as reflected in the lease agreement for the current residence. The Transaction history provided supporting payment to XXX (landlord) do not match the lease payment for any month provided (XXX thru XXX). Unable to determine if maximum housing delinquency is met. | 20020-1385 | 6/3/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 6/3/22: Verification received. Cleared. |  | Cured | Credit | EG1 | 5/31/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 340446 | XXX | XXX | XXX | Credit - Income and Assets | UPDATE 6/22/2022: Submission change to 24 mo bank statements. Calculation supports qualifying earnings. condition cleared and NEW condition added for business narrative and proof of ownership. /// UPDATED 6/17/2022: Eligible deposits taken from XXX xxXXX ID XXX only, excluding large deposits and transfers from Share XXX and ID XXX. Net deposits $XXX / 24 = XXX. Personal deposits in account ID XXX are eligible - no deposits into business entity (ID XXX) used. /// UPDATED 06/15/2022: Received Business Bank Statement Worksheet which was previously provided. DTI still exceeds max. /UPDATED 06/09/22: Rec'd statements for XXX, XXX, XXX which were already supplied. DTI still exceeds max.//UPDATE 6/3/22: Received 24 months personal statements. Recalculation of earnings based on personal funds (excluding large deposits of $XXX in XXX; $XXX in XXX statement; $XXX and $XXX in XXX) resulted in net earnings of $XXX and increased the debt ratio to XXX% which exceeds the 50.00% program maximum. /// Missing complete 24 months personal bank statements from XXX account ending xxXXX. Loan submitted as 24 month personal bank statements, however, only a 12 month history from this account was provided. Subject to re-calculation of earnings and debt ratio upon receipt. | 20020-1376 | 6/22/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | UPDATE 6/22/2022: Subission change to 24 mo bank statements. Calculation supports qualifying earnings. condition cleared and NEW condition added for business narrative and proof of ownership. /// UPDATED 6/17/2022: Eligible deposits taken from XXX xxXXX ID XXX only, excluding large deposits and transfers from Share XXX and ID XXX. Net deposits $XXX / 24 = XXX. Personal deposits eligible - no deposits into business entity (ID XXX) used. /// UPDATE 6/3/22: Received 24 months personal statements. Recalculation of earnings based on personal funds (excluding large deposits of $XXX in XXX; $XXX in XXX statement; $XXX and $XXX in XXX1) resulted in net earnings of $XXX and increased the debt ratio to XXX%which exceeds the 50.00% program maximum. |  | Cured | Credit | EG1 | 5/31/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 340446 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | NEW 6/22/2022: Submission changed to 24 months business bank statements. Missing Business narrative provided by employee (non-relative) with knowledge and information of the operations and finances of the business including details related to Description of business, location of business and associated rent, number of employees, estimated cost of goods sold, equipment or trucks and type of client base. Third party CPA or Enrolled Agent also acceptable. | 20020-2421 | 6/27/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Sufficient documentation provided |  | Cured | Credit | EG1 | 5/31/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 340446 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | NEW 6/22/2022: Submission changed to 24 months business bank statements. Missing evidence of borrower's percentage ownership in XXX. Subject to re-calculation of qualifying earnings. | 20020-2422 | 6/27/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Sufficient documentation provided |  | Cured | Credit | EG1 | 5/31/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 340446 | XXX | XXX | XXX | Compliance - Regulatory Compliance | //UPDATE: 06/02/2022 NEED Proof that Tolerance cure amount was funded to Settlement Agent as the Final Settlement Statement in file does not reflect a Lender Credit of $XXX funded for disbursement.The loan contains errors within one or more TRID disclosure. Missing proof of method of delivery and proof Tolerance Cure in the amount of $XXX was provided to borrower on Post Consummation CD in file dated XXX. | 20020-1382 | 6/7/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 06/07/2022 Received Lender's Funding Worksheet reflecting Tolerance Cure Credit of $XXX.<br>//UPDATE: 06/02/2022 NEED Proof that Tolerance cure amount was funded to Settlement Agent as the Final Settlement Statement in file does not reflect a Lender Credit of XXX funded for disbursement. |  | Cured | Compliance | EG1 | 5/31/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 340446 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Missing the following required State Disclosures: XXX Commercially Reasonable Means or Mechanism Worksheet. | 20020-1383 | 6/2/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 06/02/2022 XXX Form is optional and not required. Lender just needed to underwrite to prove reasonable means to repay under QM. |  | Cured | Compliance | EG1 | 5/31/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 196691 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Revised Closing Disclosure Timing Requirements - 03/11/2022 - 1This loan failed TRID timing of disclosures. This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR 1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either: "USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or "In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or The revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction. Changes before consummation requiring a new waiting period. If one of the following disclosures provided under 1026.19(f) (1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of 1026.19(f)(1)(ii)(A)\ :(A) The annual percentage rate disclosed under 1026.38(o)(4) becomes inaccurate, as defined in 1026.22. (B) The loan product is changed, causing the information disclosed under 1026.38(a)(5)(iii) to become inaccurate. | 20020-1214 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/19/2022 Received CD dated XXX not previously in file. Entered into CE and received a Pass result for this test. | COMPENSATING FACTORS: 1. GOOD LTV OF XXX% WHICH IS BELOW THE 85% MAXIMUM 2. HIGH FICO SCORE OF XXX WHICH IS ABOVE THE 620 MINIMUM REQUIRED 3. GOOD PITI RESERVES OF XXX MONTHS WHICH EXCEEDS THE 6 MONTHS REQUIRED | Cured | Compliance | EG1 | 5/17/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 196691 | XXX | XXX | XXX | Compliance - Regulatory Compliance | This loan failed TRID zero fee tolerance. XXX analysis added XXX without a Valid change of Circumstances resulting in the below TRID tolerance Violation.This loan failed the charges that cannot increase test. (12 CFR 1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to 1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.This loan failed the reimbursement amount test. (12 CFR 1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is notsufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX\. | 20020-1215 | 5/20/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/20/2022 Received Change of Circumstance dated XXX. Entered into CE and received a Pass result for all Tolerance testing. | COMPENSATING FACTORS: 1. GOOD LTV OF XXX% WHICH IS BELOW THE 85% MAXIMUM 2. HIGH FICO SCORE OF XXX WHICH IS ABOVE THE 620 MINIMUM REQUIRED 3. GOOD PITI RESERVES OF XXX MONTHS WHICH EXCEEDS THE 6 MONTHS REQUIRED | Cured | Compliance | EG1 | 5/17/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 196691 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to evidence a letter from the IRS or a valid ITIN card confirming the ITIN number is valid and the same was assigned to the borrower prior to loan application. | 20020-1325 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/19/2022 Received ITIN document from IRS reflecting this was assigned prior to loan application. SSN and Birthdate matches | COMPENSATING FACTORS: 1. GOOD LTV OF XXX% WHICH IS BELOW THE 85% MAXIMUM 2. HIGH FICO SCORE OF XXX WHICH IS ABOVE THE 620 MINIMUM REQUIRED 3. GOOD PITI RESERVES OF XXX MONTHS WHICH EXCEEDS THE 6 MONTHS REQUIRED | Cured | Credit | EG1 | 5/17/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 196691 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to evidence the borrower's account with XXX xxXX has been satisfied. The 1003 loan application reflects the obligation is to be paid at closing. The final CD does not reflect the liability being paid as part of the closing. | 20020-1309 | 5/23/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/23/2022 Received corrected 1003 reflecting obligation is not paid. DTI is now XXX% and does not exceed the max allowed of 50% | COMPENSATING FACTORS: 1. GOOD LTV OF XXX% WHICH IS BELOW THE 85% MAXIMUM 2. HIGH FICO SCORE OF XXX WHICH IS ABOVE THE 620 MINIMUM REQUIRED 3. GOOD PITI RESERVES OF XXX MONTHS WHICH EXCEEDS THE 6 MONTHS REQUIRED | Cured | Credit | EG1 | 5/17/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 196691 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Update 6/15/2022: Received comments for the client indicting the guideline requirements for the XXX program require an unexpired passport, visa, or other government issued identification with photo. UPDATE 6/3/2022: Rec'd seller response stating resident alien card or passport not required. Received ITIN documentation and Government ID, however, Guidelines specify acceptable Visa also required. /// UPDATE 05/19/2022 Received copy of CDL; however missing copy of unexpired passport or Visa to show legal residence status/// Missing copy of borrower's unexpired passport and visa or or other government issued identification with photo showing legal residence status in the United States. | 20020-1173 | 7/1/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | UPDATED 6/30: Received ITIN program guide clarification from Seller, other gov't issued ID with photo and the IRS ITIN documentation showing valid ITIN in the file are acceptable.<br> Update 6/15/2022: Received comments for the client indicting the guideline requirements for the XXX program require an unexpired passport, visa, or other government issued identification with photo. <br> UPDATE 6/3/2022: UPDATE 6/3/2022: Rec'd seller response stating resident alien card or passport not required. Received ITIN documentation and Government ID, however, Guidelines specify acceptable Visa also required. /// Rec'd IRS ITIN//UPDATE 05/19/2022 Received copy of CDL; however missing copy of unexpired passport or Visa to show legal residence status | COMPENSATING FACTORS: 1. GOOD LTV OF XXX% WHICH IS BELOW THE 85% MAXIMUM 2. HIGH FICO SCORE OF XXX WHICH IS ABOVE THE 620 MINIMUM REQUIRED 3. GOOD PITI RESERVES OF XXX MONTHS WHICH EXCEEDS THE 6 MONTHS REQUIRED | Cured | Credit | EG1 | 5/17/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | #N/A | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Signed Warranty Deed in the file indicated the loan amount on the Note is $XXX and does not match the loan amount of $XXX on the Note dated XXX signed by the borrower. Missing updated Warranty Deed reflecting the loan amount of $XXX | 20020-1260 | 5/24/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/24/2022 Received corrected deed | Compensating Factors: 1. XXX months reserves; XXX months greater than 12 month required reserves 2. DTI ratio is XXX%; XXX% less than max DTI of 43% | Cured | Credit | EG1 | 5/13/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG2 | EG1 | EG1 | EG1 |
| 11/7/2022 | #N/A | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | The sales price of $XXX reflected on the Purchase contract do not match the sales price of $XXX shown on the final closing disclosure dated XXX. Missing executed addendum to Purchase contract reflecting the amended sale price of $XXX. | 20020-1232 | 5/17/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/17/2022 Received signed corrected addendum | Compensating Factors: 1. XXX months reserves; XXX months greater than 12 month required reserves 2. DTI ratio is XXX%; XXX% less than max DTI of 43% | Cured | Credit | EG1 | 5/13/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG2 | EG1 | EG1 | EG1 |
| 11/7/2022 | #N/A | XXX | XXX | XXX | Credit - Income and Assets | Update 06/15/2022: Exception approval received for Business Narrative completed by borrower. Compensating Factors: 1. Credit Profile2. Reserves//Update 6/9/2022 Received comments from the lender reflecting that they are unable to obtains a business narrative letter as the employees of the business are not able to complete the letter and the tax preparer is unwilling to complete a business narrative letter. The letter reflects that the lender verified the business with the leasing rep for the Mall the business are located and that the tax preparer verbally verified the figure provided for the cost of goods sold. As this documentation does not meet the guideline requirement it is not sufficient to clear the condition. Missing the business narrative provided by an employee (non-relative) of the borrower's business, with knowledge and information of the operations and finances of the business, i.e., Controller, Treasurer, V.P. Finance, Finance Manager, Accounting Manager, Human Resources Manager, or a third-party individual with direct knowledge of the borrower's business, such as Certified Public Accountant or an IRS Enrolled Agent. | 20020-1257 | 6/15/2022 | Waived/Exception Granted | Update 06/15/2022: Exception approval provided with compensating factors. Waived. <br>//Update 6/9/2022 Received comments from the lender reflecting that they are unable to obtains a business narrative letter as the employees of the business are not able to complete the letter and the tax preparer is unwilling to complete a business narrative letter. The letter reflects that the lender verified the business with the leasing rep for the Mall the business are located and that the tax preparer verbally verified the figure provided for the cost of goods sold. As this documentation does not meet the gudieline requirement it is not sufficient to clear the condition. | Compensating Factors: 1. XXX months reserves; XXX months greater than 12 month required reserves 2. DTI ratio is XXX%; XXX% less than max DTI of 43% | Waived | Credit | EG2 | 5/13/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG2 | EG1 | EG1 | EG1 |
| 11/7/2022 | #N/A | XXX | XXX | XXX | Compliance - Regulatory Compliance | Missing the following required State Disclosures: XXX Anti-Coercion Insurance Disclosure. | 20020-1200 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/19/2022 XXX Anti-Coercion Insurance Disclosure is now Out of Scope of Review. | Compensating Factors: 1. XXX months reserves; XXX months greater than 12 month required reserves 2. DTI ratio is XXX%; XXX% less than max DTI of 43% | Cured | Compliance | EG1 | 5/13/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG2 | EG1 | EG1 | EG1 |
| 11/7/2022 | 186277 | XXX | XXX | XXX | Compliance - Regulatory Compliance | This loan failed TRID zero fee tolerance. Missing proof of receipt for Revised Closing Disclosure (CD) in file issued XXX renders the Changed Circumstance Form as invalid and unable to reset tolerances, resulting in the below TRID tolerance violation.Integrated Disclosures Tolerance & Reimbursement Provisions - 05/18/2022 - 1This loan failed the charges that cannot increase test. (12 CFR 1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to 1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX. | 20020-1348 | 6/1/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 06/01/2022 Received proof of borrower view of CD on XXX. Entered into CE and received a Pass result for Reimbursement testing. | Compensating Factors: 1. XXX% LTV; XXX% < program maximum | Cured | Compliance | EG1 | 5/23/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 186277 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Electronic Consent/eSign Form in file is dated XXX, however, earliest eSign event occurred XXX. Need Electronic Consent/eSign Form completed prior to earliest esign event. | 20020-1349 | 6/1/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 06/01/2022 Received eConsent dated 01/27/2022 | Compensating Factors: 1. XXX% LTV; XXX% < program maximum | Cured | Compliance | EG1 | 5/23/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 186277 | XXX | XXX | XXX | Credit - Credit | UPDATED 6/1/2022: Exception approval provided for First time homebuyer with credit score less than 680 at XXX.Compensating Factors:1. reserves of XXX months; XXX months > 6 month program minimum2. Low DTI of XXX%;XXX% <43.00% program maximumQualifying credit score of XXX does not meet the 680 guideline minimum for a first time home buyer. The 1003 reflects the borrower has rented their current residence for the past 3 years and has not had an ownership interest in any other property for the past three years. As the borrower has not had an ownership interest in the past three years the borrower would be considered a first time home buyer. The qualifying fico score reflected on the credit report dated XXX is XXX and does not meet the minimum fico requirement of 680. | 20020-1354 | 6/1/2022 | Waived/Exception Granted | 6/1/22 Exception approval receied with compensating factors. | Compensating Factors: 1. XXX% LTV; XXX% < program maximum | Waived | Credit | EG2 | 5/23/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 890236 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to evidence the terms of repayment for the "other" obligation of $XXX reflected on the 1003 loan application. Subject to review upon receipt. | 20020-1283 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 03/19/2022 Received evidence this amount are the taxes for the subject property | compensating factors: 1. borrowers assets of $XXX exceed minimum reserves requirement of 25392.00 | Cured | Credit | EG1 | 5/16/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 890236 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to evidence the monthly obligation for property taxes, hazard insurance and HOA dues (If applicable) for the borrower's investment property located at XXX. Subject to review upon receipt. | 20020-1277 | 6/1/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | The mortgage is in the name of the business and the borrower is not obligataed to this property | compensating factors: 1. borrowers assets of $XXX exceed minimum reserves requirement of 25392.00 | Cured | Credit | EG1 | 5/16/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 890236 | XXX | XXX | XXX | Credit - Income and Assets | The recalculated DTI of XXX% exceeds the maximum allowed of 45%. The borrower qualifying fico is XXX and per the program guidelines fico scores between 580 - 659 have a maximum of 45%. The reason for the difference in the DTI is due the lender income worksheet reflected that the lender did not include the mortgage for the borrower's investment property at XXX | 20020-1330 | 5/20/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Docuemntation sufficient to clear the conditon. Promissory note provided and loan is not an obligation for the borrower and paid by a third party. Cancelled checks provided to evidence this | compensating factors: 1. borrowers assets of $XXX exceed minimum reserves requirement of 25392.00 | Cured | Credit | EG1 | 5/16/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 520069 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | The sales/purchase price of $XXX reflected on the contract does not match the sales/purchase price of $XXX on the Final CD. Missing seller addendum to support change in purchase price. | 20021-172 | 6/3/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 6/3/22 Rcvd Amendment to the sales price. | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 700 2. XXX months reserves; XXX months greater than 6 month program minimum 3. DSC ratio of XXX; XXX greater than 1.00 program minimum | Cured | Credit | EG1 | 5/27/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 918154 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Missing the following required State Disclosures: XXX Mortgage Loan Commitment. | 20020-1210 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/19/2022 Received Lender notification they do not issue Mortgage Commitments. | Compensating Factors: 1. Credit score of XXX, XXX points higher than 700 program minimum 2. Residual earnings $XXX; $XXX> $1,250.00 program minimum | Cured | Compliance | EG1 | 5/13/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG3 | EG1 |
| 11/7/2022 | 918154 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing lender's certification regarding the Fraud Alert reflected on the credit report. | 20020-1270 | 5/27/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/27/2022 Received verification the borrower was contacted for fraud alert | Compensating Factors: 1. Credit score of XXX, XXX points higher than 700 program minimum 2. Residual earnings $XXX; $XXX> $1,250.00 program minimum | Cured | Credit | EG1 | 5/13/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG3 | EG1 |
| 11/7/2022 | 918154 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing copy of Business narrative from non-relative employee of XXX business reflecting description of the business, location, number of employees, estimated cost of goods sold, equipment and type of client base. | 20020-1272 | 5/17/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/17/2022 Received business narraitve signed by XXX | Compensating Factors: 1. Credit score of XXX, XXX points higher than 700 program minimum 2. Residual earnings $XXX; $XXX> $1,250.00 program minimum | Cured | Credit | EG1 | 5/13/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG3 | EG1 |
| 11/7/2022 | 918154 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing 3rd party documentation to support borrower's percentage ownership in XXX, and length of time business has been in operation. | 20020-1273 | 5/17/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/17/2022 Received CPA letter stating the borrower is 100% owner and has been in this line of work for 2 years. | Compensating Factors: 1. Credit score of XXX, XXX points higher than 700 program minimum 2. Residual earnings $XXX; $XXX> $1,250.00 program minimum | Cured | Credit | EG1 | 5/13/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG3 | EG1 |
| 11/7/2022 | 918154 | XXX | XXX | XXX | Credit - Credit | Missing copy of institutional VOR for most recent 12 months to support borrowers monthly rent payment of $XXX as reflected on the 1003. If private party, 12 months canceled checks required. //UPDATE 05/17/2022 Received canceled checks for 12 months however guidelines require the VOR in addition to the canceled checks. | 20020-1195 | 5/26/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05//26/2022 Received UW cert that states they do not allow a VOR for PP only canceled checks. | Compensating Factors: 1. Credit score of XXX, XXX points higher than 700 program minimum 2. Residual earnings $XXX; $XXX> $1,250.00 program minimum | Cured | Credit | EG1 | 5/13/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG3 | EG1 |
| 11/7/2022 | 918154 | XXX | XXX | XXX | Credit - Income and Assets | Missing documentation to support 6 months minimum reserve requirement of $XXX. Total verified assets are $XXX less total closing monies $XXX (EMD $XXX + XXX 2nd EMD and closing monies per CD) = $XXX net reserves. Reserves are short in the amount of $XXX. | 20020-1269 | 5/27/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/27/2022 Received 2 months bank statements for account where EMD was withdrawn from - sufficient reserves | Compensating Factors: 1. Credit score of XXX, XXX points higher than 700 program minimum 2. Residual earnings $XXX; $XXX> $1,250.00 program minimum | Cured | Credit | EG1 | 5/13/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG3 | EG1 |
| 11/7/2022 | 918154 | 20020-59 | 20020-59 | 20020-59 | Property - Collateral | Missing required appraisal review product (CDA). CU score of 2.6 exceeds 2.5 program maximum. | 20020-1183 | 5/17/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/17/2022 Received CDA supporting the appraisal value | Compensating Factors: 1. Credit score of XXX, XXX points higher than 700 program minimum 2. Residual earnings $XXX; $XXX> $1,250.00 program minimum | Cured | Property | EG1 | 5/13/2022 | Primary Residence | 20020-59 | 20020-59 | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG3 | EG1 |
| 11/7/2022 | 918154 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Affiliated Business Arrangement Disclosure Statement is in file, however, it is not signed by borrower(s). Need fully executed Affiliated Business Arrangement Disclosure Statement. | 20020-1209 | 5/13/2022 | Waived/Exception Granted | 05/13/2022 Condition has been cleared as a non-material exception. Under the advisement of our outside counsel, 1024.15 and Appendix D, the ABA Disclosure is intended to be signed by the borrower as evidence of acknowledgement and receipt, however the exclusion of one or more borrower's signature is not, in itself, a material violation. | Compensating Factors: 1. Credit score of XXX, XXX points higher than 700 program minimum 2. Residual earnings $XXX; $XXX> $1,250.00 program minimum | Waived | Compliance | EG2 | 5/13/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG3 | EG1 |
| 11/7/2022 | 857586 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Missing the following required Federal Disclosures: Electronic Consent/ eSign Form completed prior to earliest esign event. | 20020-1189 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/19/2022 Received eConsent dated 03/04/2022 | Compensating factors: 1. DTI is XXX%, Max allowed 50% | Cured | Compliance | EG1 | 5/13/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 857586 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Affiliated Business Arrangement Disclosure Statement is in file, however, it is not signed by borrower(s). Need fully executed Affiliated Business Arrangement Disclosure Statement. | 20020-1187 | 5/12/2022 | Compliance conditions cured by satisfactory remediation docs/re-disclosures | Condition has been cleared as a non-material exception. Under the advisement of our outside counsel, 1024.15 and Appendix D, the ABA Disclosure is intended to be signed by the borrower as evidence of acknowledgement and receipt, however the exclusion of one or more borrower's signature is not, in itself, a material violation. | Compensating factors: 1. DTI is XXX%, Max allowed 50% | Cured | Compliance | EG2 | 5/13/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 857586 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | The maximum payment shock for a FTHB using gift funds is 150%; borrower's payment shock is XXX%.//UPDATE 5/31/22 Missing evidence the borrower returned the gift funds of $XXX back to the donors. | 20020-1302 | 6/3/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Sufficient documentation provided to evidence lender advised that borrower returned gift funds. Gift funds backed out and sufficient cash to close and reserve documented. | Compensating factors: 1. DTI is XXX%, Max allowed 50% | Cured | Credit | EG1 | 5/13/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 857586 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Required reserves is 12 months. Exception in file reducing reserves from 12 months to 6 months. Compensating Factors1. Stability - XXX years as an XXX. DTI XXX% | 20020-1379 | 5/31/2022 | Waived/Exception Granted |  | Compensating factors: 1. DTI is XXX%, Max allowed 50% | Waived | Credit | EG2 | 5/13/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 857586 | XXX | XXX | XXX | Credit - Insurance and Title | Missing updated Replacement Cost Estimate; the estimate in the file is for the wrong property. | 20020-1296 | 6/3/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | The hazard coverage is sufficient to meet the total cost new reflected on the apprasial | Compensating factors: 1. DTI is XXX%, Max allowed 50% | Cured | Credit | EG1 | 5/13/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 679731 | XXX | XXX | XXX | Credit - Credit | Missing documentation to evidence the borrower most recent 12 months mortgage history for the borrower's primary residence located at XXX was paid as agreed. The credit report in the file only reflects payment through XXX. Missing evidence the of the XXX, XXX and XXX payments were made as agreed. | 20020-1259 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/19/2022 Received credit supp reflecting XXX rating through XXX | Compensating Factors: 1. XXX FICO; XXX points > 660 program minimum 2. XXX% LTV; XXX% < program maximum | Cured | Credit | EG1 | 5/13/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 679731 | XXX | XXX | XXX | Credit - Income and Assets | Missing documentation to evidence the sale of the borrower's property located at XXX. The 1003 reflects the property has been sold and the proceeds are being used as closing funds and reserves. Subject to review upon receipt. //UPDATE 05/19/2022 Received CD reflecting funds to borrower $XXX; 1003 reflected $XXX to borrower; reserves short $XXX | 20020-1212 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Sufficient documentation provided to clear the condition. Final HUD-1 from sale provide | Compensating Factors: 1. XXX FICO; XXX points > 660 program minimum 2. XXX% LTV; XXX% < program maximum | Cured | Credit | EG1 | 5/13/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 679731 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to evidence a business narrative letter for the borrower was provided. The letter is to be provided by an employee (non-relative) of the borrowers business, with knowledge and information of the operations and finances of the business. Typical positions held by this employee would include: Controller, Treasurer, V.P. Finance, Finance Manager, Accounting Manager or Human Resources Manager. This can also be provided by a third- party individual with direct knowledge of the borrowers business, such as Certified Public Accountant or an IRS Enrolled Agent, The letter should include Description of the business/business profile1. Location of business & associated rent (Home based or lease space including address)2. Number of employees/contractors3.Estimated cost of goods sold (sale of goods or services business)4.Equipment or Trucks/Vehicles owned or leased5.Type of client base (retail or commercial) | 20020-1254 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Sufficient documentation provided. Condition cleared | Compensating Factors: 1. XXX FICO; XXX points > 660 program minimum 2. XXX% LTV; XXX% < program maximum | Cured | Credit | EG1 | 5/13/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 679731 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Affiliated Business Arrangement Disclosure Statement is in file, however, it is not signed by borrower(s). Need fully executed Affiliated Business Arrangement Disclosure Statement. | 20020-1226 | 5/13/2022 | Waived/Exception Granted | Condition has been cleared as a non-material exception. Under the advisement of our outside counsel, 1024.15 and Appendix D, the ABA Disclosure is intended to be signed by the borrower as evidence of acknowledgement and receipt, however the exclusion of one or more borrower's signature is not, in itself, a material violation. | Compensating Factors: 1. XXX FICO; XXX points > 660 program minimum 2. XXX% LTV; XXX% < program maximum | Waived | Compliance | EG2 | 5/13/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 679731 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing the fully executed purchase addendum reflecting the updated sales price of $XXX. The purchase contract in the file reflects sales price of $XXX whereas the Final CD reflects the final sales price as $XXX | 20020-1216 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/19/2022 Received executed purchase addendum | Compensating Factors: 1. XXX FICO; XXX points > 660 program minimum 2. XXX% LTV; XXX% < program maximum | Cured | Credit | EG1 | 5/13/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 216696 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing 12 months housing history or documentation to support full TIA for property of XXX; insurance not provided. Note: 1003 reflects borrower is a FTHB, but page 1 indicates borrower owns property. DTI subject to re-calculation upon receipt. | 20020-1185 | 5/25/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Documentation provided is sufficient to clear the conditon. | Compensating Factors: 1. Credit score of XXX, XXX points higher than 680 of the min score requiredper guidelines. 2. Borrower has XXX months of additional reserves. | Cured | Credit | EG1 | 5/12/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 216696 | XXX | XXX | XXX | Credit - Income and Assets | Missing evidence the borrower's business, XXX has been established for 2 years. Also, the Business Narrative form needs to be completed by the accounting manager, CPA or IRS enrolled agent. | 20020-1263 | 5/27/2022 | Waived/Exception Granted | 05/27/2022 Received an exception approval for the narrative not compleed by a 3rd party | Compensating Factors: 1. Credit score of XXX, XXX points higher than 680 of the min score requiredper guidelines. 2. Borrower has XXX months of additional reserves. | Waived | Credit | EG2 | 5/12/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 216696 | XXX | XXX | XXX | Credit - Income and Assets | Missing 2 months bank statements dated XXX and XXX for XXX acct #XXX; source of wired EMD funds (XXX). XXX statements in file are dated XXX and have expired. | 20020-1184 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/19/2022 Received Jan, Feb and March statements with evidence of EMD | Compensating Factors: 1. Credit score of XXX, XXX points higher than 680 of the min score requiredper guidelines. 2. Borrower has XXX months of additional reserves. | Cured | Credit | EG1 | 5/12/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 849746 | XXX | XXX | XXX | Compliance - Regulatory Compliance | The Notice of Right to Cancel was not completed properly: All copies of the Notice of Right to Cancel in file are cut off at the Acknowledgment of Receipt, therefore missing both the signature and signature date for both borrowers as individuals and trustees. | 20020-1303 | 5/23/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/23/2022 Received complete legible copies of Notice of Right to Cancels for both borrowers signed XXX both Individually and as Trustees. | Compensating Factors 1. LTV is XXX%; XXX% below maximum of 80% 2. XXX months reserves; XXX months higher than required 12 months reserves. | Cured | Compliance | EG1 | 5/18/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 849746 | XXX | XXX | XXX | Compliance - Regulatory Compliance | This loan failed TRID timing of disclosures. Missing proof of consumer's receipt of revised Closing Disclosure (CD) provided reflecting a Date Issued of XXX and a Consummation Date of XXX, results in the below TRID timing violation.Revised Closing Disclosure Timing Requirements - 04/27/2022 - 2This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR 1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under 1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of 1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under 1026.38(o)(4) becomes inaccurate, as defined in 1026.22.(B) The loan product is changed, causing the information disclosed under 1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under 1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under 1026.19(f)(1)(i) no later than three business days before consummation. | 20020-1304 | 6/10/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 06/10/2022 Received Proof of Signed CD dated XXX Entered into CE and received a Pass result for this test. | Compensating Factors 1. LTV is XXX%; XXX% below maximum of 80% 2. XXX months reserves; XXX months higher than required 12 months reserves. | Cured | Compliance | EG1 | 5/18/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 849746 | XXX | XXX | XXX | Compliance - Regulatory Compliance | This loan failed TRID timing of disclosures. Missing proof of consumer's receipt of revised Closing Disclosure (CD) provided reflecting a Date Issued of XXX and a Consummation Date of XXX, results in the below TRID timing violation.Revised Closing Disclosure Timing Requirements - 04/29/2022 - 3This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR 1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under 1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of 1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under 1026.38(o)(4) becomes inaccurate, as defined in 1026.22.(B) The loan product is changed, causing the information disclosed under 1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under 1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under 1026.19(f)(1)(i) no later than three business days before consummation. | 20020-1305 | 6/10/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 06/10/2022 Received Proof of Signed CD dated XXX. Entered into CE and received a Pass result for this test. | Compensating Factors 1. LTV is XXX%; XXX% below maximum of 80% 2. XXX months reserves; XXX months higher than required 12 months reserves. | Cured | Compliance | EG1 | 5/18/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 849746 | XXX | XXX | XXX | Credit - Credit | Missing 12 month mortgage rating verifying 0x30 for XXX xxXXX. | 20020-1327 | 5/23/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/23/2022 Received credit supp 79 months reported next due XXX - loan closed XXX | Compensating Factors 1. LTV is XXX%; XXX% below maximum of 80% 2. XXX months reserves; XXX months higher than required 12 months reserves. | Cured | Credit | EG1 | 5/18/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 849746 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing Business Narrative completed by CPA; the narrative in file is completed by the borrower. | 20020-1340 | 6/13/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | //UPDATE 06/13/2022: Received Business Narrative e-signed by CPA XXX. | Compensating Factors 1. LTV is XXX%; XXX% below maximum of 80% 2. XXX months reserves; XXX months higher than required 12 months reserves. | Cured | Credit | EG1 | 5/18/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 849746 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing underwriter's justification to consider using a fixed expense of 50% instead of Options 2 or 3; borrowers business is in the construction industry, which requires Option 2 or 3. | 20020-1341 | 5/24/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 5/24/22 Rcvd correspondence | Compensating Factors 1. LTV is XXX%; XXX% below maximum of 80% 2. XXX months reserves; XXX months higher than required 12 months reserves. | Cured | Credit | EG1 | 5/18/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 560597 | XXX | XXX | XXX | Compliance - Regulatory Compliance | This loan failed TRID timing of disclosures. Missing proof of consumer's receipt of Initial Closing Disclosure (CD) provided reflecting a Date Issued of XXX and a Consummation Date of XXX, results in the below TRID timing violation.Initial Closing Disclosure Timing Requirements - 03/24/2022This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR 1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph 1026.19(f)(1)(i) no later than three business days before consummation. | 20020-1162 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/19/2022 Received proof of receipt. Entered into CE and received a Pass result for this test. | Compensating Factors: 1. XXX months reserves; XXX months > 16 month program reserves requirement 2. Borrower has been self-employed since XXX 3. DTI ratio is XXX%; XXX% < program maximum DTI of 50% 4. LTV is XXX%; XXX% < program max LTV of 85% 5. Residual income is $XXX; $XXX > program required residual income of $2,875 | Cured | Compliance | EG1 | 5/12/2022 | Second Home | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 560597 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Missing the following required Federal Disclosures: Electronic Consent/eSign Form completed prior to earliest esign event. | 20020-1164 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/19/2022 Received eConsent dated XXX | Compensating Factors: 1. XXX months reserves; XXX months > 16 month program reserves requirement 2. Borrower has been self-employed since XXX 3. DTI ratio is XXX%; XXX% < program maximum DTI of 50% 4. LTV is XXX%; XXX% < program max LTV of 85% 5. Residual income is $XXX; $XXX > program required residual income of $2,875 | Cured | Compliance | EG1 | 5/12/2022 | Second Home | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 560597 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Missing the following required State Disclosures: XXX Mortgage Loan Commitment. | 20020-1165 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/19/2022 Received notice Lender does not issue Loan Commitments. | Compensating Factors: 1. XXX months reserves; XXX months > 16 month program reserves requirement 2. Borrower has been self-employed since XXX 3. DTI ratio is XXX%; XXX% < program maximum DTI of 50% 4. LTV is XXX%; XXX% < program max LTV of 85% 5. Residual income is $XXX; $XXX > program required residual income of $2,875 | Cured | Compliance | EG1 | 5/12/2022 | Second Home | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 560597 | XXX | XXX | XXX | Credit - Income and Assets | Missing documentation to support that the borrower has 50% ownership of the business, XXX, which was used for qualifying income. The CPA letter in the file didn't provide the borrower's ownership in the business. | 20020-1186 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/19/2022 Received evidence borrower has 90% ownership | Compensating Factors: 1. XXX months reserves; XXX months > 16 month program reserves requirement 2. Borrower has been self-employed since XXX 3. DTI ratio is XXX%; XXX% < program maximum DTI of 50% 4. LTV is XXX%; XXX% < program max LTV of 85% 5. Residual income is $XXX; $XXX > program required residual income of $2,875 | Cured | Credit | EG1 | 5/12/2022 | Second Home | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 954528 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing updated US residency card; the card in the file expired on XXX. | 20020-1292 | 5/20/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/20/2022 Received form I-797 extending for 24 months | Compensating factors: 1. Credit Score: XXX; XXX points > 680 program minimum 2. Reserves; XXX, XXX> 6 mo required by program minimum | Cured | Credit | EG1 | 5/13/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 954528 | XXX | XXX | XXX | Credit - Income and Assets | Missing verification of self employment for a minimum of 2 years for borrower's business, XXX | 20020-1291 | 5/23/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/23/2022 Received CPA letter and business search dated XXX borrower hs been in business for 2 years and evidenced in business at the time of closing | Compensating factors: 1. Credit Score: XXX; XXX points > 680 program minimum 2. Reserves; XXX, XXX> 6 mo required by program minimum | Cured | Credit | EG1 | 5/13/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 954528 | XXX | XXX | XXX | Credit - Credit | Missing VOR for the past 12 months. | 20020-1227 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/19/2022 Received a VOR for the primary residence. | Compensating factors: 1. Credit Score: XXX; XXX points > 680 program minimum 2. Reserves; XXX, XXX> 6 mo required by program minimum | Cured | Credit | EG1 | 5/13/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 954528 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing Unaudited YTD P&L along with most recent 3 months business bank statements or Audited YTD P&L statement for the business (XXX).//UPDATE 6/2/22 Received correspondence, but the file does not contain 3 months of XXX business bank statements for account xxXXX; it has business transactions history/bank statements covering XXX - XXX. Also, the Note date is XXX, which requires a XXX YTD P&L statement as more than one calendar quarter has passed. | 20020-1245 | 6/15/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 6/15/22 Rcvd XXX YTD P&L stmt and 3 months business bank stmts. | Compensating factors: 1. Credit Score: XXX; XXX points > 680 program minimum 2. Reserves; XXX, XXX> 6 mo required by program minimum | Cured | Credit | EG1 | 5/13/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 954528 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing evidence to verify existence of business within 10 calendar days of closing. | 20020-1246 | 5/23/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/23/2022 Received CPA letter and business search dated XXX borrower hs been in business for 2 years and evidenced in business at the time of closing | Compensating factors: 1. Credit Score: XXX; XXX points > 680 program minimum 2. Reserves; XXX, XXX> 6 mo required by program minimum | Cured | Credit | EG1 | 5/13/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 954528 | XXX | XXX | XXX | Compliance - Regulatory Compliance | This loan failed TRID timing of disclosures. Initial Closing Disclosure provided reflecting a Date Issued of XXX and a Consummation date of XXX, results in the below TRID timing violation.Initial Closing Disclosure Timing Requirements - 04/08/2022; This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR 1026.19(f) (1)(ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either: "USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or "In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or The initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction The creditor shall ensure that the consumer receives the disclosures required under paragraph 1026.19(f)(1)(i) no later thanthree business days before consummation. | 20020-1233 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/19/2022 Received Initial CD dated XXX. Entered into CE and received a Pass result for this test. | Compensating factors: 1. Credit Score: XXX; XXX points > 680 program minimum 2. Reserves; XXX, XXX> 6 mo required by program minimum | Cured | Compliance | EG1 | 5/13/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 442448 | XXX | XXX | XXX | Compliance - Regulatory Compliance | The loan contains errors within one or more TRID disclosure. Missing explanation letter to Borrower and proof of method of delivery for Post Consummation CD in file dated XXX. | 20020-1224 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/19/2022 Received DocuSign Cert of Completion reflecting 5 pages sent and viewed by borrower post closing on XXX | compensating factors: 1. borrowers scredit score of XXX exceeds min score of 700 2. borrowers reserves of $XXX exceeds min reserves of $363256.74 | Cured | Compliance | EG1 | 5/13/2022 | Second Home | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG3 | EG3 | EG3 | EG3 | EG1 | EG3 | EG1 |
| 11/7/2022 | 442448 | XXX | XXX | XXX | Compliance - Regulatory Compliance | This loan failed TRID timing of disclosures. The initial Closing Disclosure Receipt Date is XXX, less than three business days before the Consummation Date of XXX, resulting in the below TRID Timing Violation.Initial Closing Disclosure Timing Requirements - 04/04/2022This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR 1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph 1026.19(f)(1)(i) no later than three business days before consummation. | 20020-1230 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/19/2022 Property is a Second Home in XXX and consummation can be considered as of disbursement on XXX. Entered into CE and received a Pass result for this test. | compensating factors: 1. borrowers scredit score of XXX exceeds min score of 700 2. borrowers reserves of $XXX exceeds min reserves of $363256.74 | Cured | Compliance | EG1 | 5/13/2022 | Second Home | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG3 | EG3 | EG3 | EG3 | EG1 | EG3 | EG1 |
| 11/7/2022 | 442448 | XXX | XXX | XXX | Compliance - Regulatory Compliance | This loan failed TRID zero fee tolerance. The initial Closing Disclosure Receipt Date is less than three business days before the Consummation Date, therefore rendering the Changed Circumstance Form as invalid unable to reset tolerances, resulting in the below TRID tolerance violation.Integrated Disclosures Tolerance & Reimbursement Provisions - 04/07/2022 - 1This loan failed the charges that cannot increase test. (12 CFR 1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to 1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX. | 20020-1231 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/19/2022 Property is a Second Home in XXX and consummation can be considered as of disbursement on XXX. Entered into CE and received a Pass result for all Tolerance testing. | compensating factors: 1. borrowers scredit score of XXX exceeds min score of 700 2. borrowers reserves of $XXX exceeds min reserves of $363256.74 | Cured | Compliance | EG1 | 5/13/2022 | Second Home | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG3 | EG3 | EG3 | EG3 | EG1 | EG3 | EG1 |
| 11/7/2022 | 442448 | XXX | XXX | XXX | Credit - Income and Assets | Update 6/3/2022 Received the XXX statement but missing the XXX statement. There is no documentation in the file to support the deposits reflected on the lender income worksheet for XXX. Unable to clear the condition. UPDATE: Documentation is not sufficient to clear the condition. Received duplicate of the XXX and XXX statements. Missing 2 more months bank statements - end of XXX and end of XXX. //5/24/2022 Update:. Received duplicate of the XXX statement but missing XXX - XXX statements Missing the complete 12 months of qualifying business bank statements for the borrowers account with XXX xxXXX. The borrower qualified under the 12 months business bank statement loan program and only 10 months business bank statements were provided. The name of the account holder is blacked out and unable to verify the owner of the account. Using the 10 months provided results in a DTI of XXX% which exceeds the maximum DTI allowed per the program guidelines. Subject to review upon receipt. | 20020-1295 | 6/9/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Update 06/09/2022: Received XXX statement which completes 12 months statements. <br> Update 6/3/2022 Received the XXX statement but missing the XXX statement. There is no documentation in the file to support the deposits reflected on the lender income worksheet for XXX. Unable to clear Documentation is not sufficient to clear the conditon. Received duplicate of the XXX and XXX statements. | compensating factors: 1. borrowers scredit score of XXX exceeds min score of 700 2. borrowers reserves of $XXX exceeds min reserves of $363256.74 | Cured | Credit | EG1 | 5/13/2022 | Second Home | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG3 | EG3 | EG3 | EG3 | EG1 | EG3 | EG1 |
| 11/7/2022 | 442448 | XXX | XXX | XXX | Credit - Income and Assets | Missing documentation to evidence a business narrative letter was provided as required by the program guidelines. | 20020-1249 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/19/2022 Receive business narrative letter | compensating factors: 1. borrowers scredit score of XXX exceeds min score of 700 2. borrowers reserves of $XXX exceeds min reserves of $363256.74 | Cured | Credit | EG1 | 5/13/2022 | Second Home | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG3 | EG3 | EG3 | EG3 | EG1 | EG3 | EG1 |
| 11/7/2022 | 442448 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | MIssing documentation to evidence the borrower has a 100% ownership interest in the business XXX The CPA letter in the file does not reflect the borrower ownership interest. | 20020-1294 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/19/2022 Received CPA letter borrower owns 100% | compensating factors: 1. borrowers scredit score of XXX exceeds min score of 700 2. borrowers reserves of $XXX exceeds min reserves of $363256.74 | Cured | Credit | EG1 | 5/13/2022 | Second Home | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG3 | EG3 | EG3 | EG3 | EG1 | EG3 | EG1 |
| 11/7/2022 | 442448 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation evidence the monthly obligation to XXX financial services account xxXXX. The credit report reflects a balance of $XXX but no payment. The 1003 also reflects the liability but does not reflect a payment. Subject to review upon receipt. | 20020-1252 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 5/19/2022 Received evidence paid thorugh refinance of XXX | compensating factors: 1. borrowers scredit score of XXX exceeds min score of 700 2. borrowers reserves of $XXX exceeds min reserves of $363256.74 | Cured | Credit | EG1 | 5/13/2022 | Second Home | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG3 | EG3 | EG3 | EG3 | EG1 | EG3 | EG1 |
| 11/7/2022 | 442448 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing updated flood certificate reflecting the correct property address for the subject property. The Note reflects the property address as XXX but the flood certificate reflects the property address as XXX | 20020-1253 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/19/2022 Received corrected flood cert | compensating factors: 1. borrowers scredit score of XXX exceeds min score of 700 2. borrowers reserves of $XXX exceeds min reserves of $363256.74 | Cured | Credit | EG1 | 5/13/2022 | Second Home | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG3 | EG3 | EG3 | EG3 | EG1 | EG3 | EG1 |
| 11/7/2022 | 442448 | XXX | XXX | XXX | Property - Collateral | Missing second full appraisal (Required for loan amounts over $XXX. Subject to Satisfactory Appraisal Review. | 20020-1197 | 5/19/2022 | Property condition cleared | A 2nd full appraisal has been added to the file and reviewed. | compensating factors: 1. borrowers scredit score of XXX exceeds min score of 700 2. borrowers reserves of $XXX exceeds min reserves of $363256.74 | Cured | Property | EG1 | 5/13/2022 | Second Home | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG3 | EG3 | EG3 | EG3 | EG1 | EG3 | EG1 |
| 11/7/2022 | 442448 | XXX | XXX | XXX | Credit - Income and Assets | //UPDATE 06/29/2022: Reviewed PITI data used for XXX property, as well as monthly obligations with Lender (XXX). Discrepancy with PITI for XXX property was resolved and adjusted to $XXX ($XXX P&I + $XXX taxes + $XXX). However, the monthly payment of $XXX for the XXX account was factored into the DTI, while at origination it was not. Missing evidence to support the omission of the $XXX XXX installment account from the DTI calculation. Including the XXX payment, the back end DTI is XXX% and exceeds 50.00% maximum DTI. //UPDATE 06/15/2022: Received 1008 which was already provided. No new information provided to address the DTI over 50.00% program maximum. Total All Monthly Payments per 1008 showed as $XXX, when file review showed Total Monthly Payments as $XXX. //Update 6/9/22: Received XXX statement - income recalculated including statement; however, DTI revised at XXX% and exceeds maximum 50.00%. //Update 6/3/2022 Received the XXX statement but missing the XXX statement which is needed to meet the minimum 12 months requiredRecalculated DTI of XXX% exceeds maximum allowed of 50%. This may be primarily due to missing 2 additional bank statements as file only contains 10 months business bank statements and loan program is 12 months business statements. | 20020-1384 | 6/15/2022 | Waived/Exception Granted | //Update 6/9/22: Received XXX statement - income recalculated including statement; however, DTI revised at XXX% and exceeds maximum 50.00%. <br>Received the XXX statement but missing the XXX statement which is needed to meet the minimum 12 months required | compensating factors: 1. borrowers scredit score of XXX exceeds min score of 700 2. borrowers reserves of $XXX exceeds min reserves of $363256.74 | Open | Credit | EG3 | 5/13/2022 | Second Home | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG3 | EG3 | EG3 | EG3 | EG1 | EG3 | EG1 |
| 11/7/2022 | 442448 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to evidence the monthly PITIA for the borrower's investment property located at XXX. The loan file contains a hazard policy for this property with XXX listed as the loss payee. Subject to review upon receipt. //UPDATE 05/19/2022 Received property profile for evidence of taxes; received HUD however missing copy of Note to verify new payment P&I with XXX (property was recently refinanced XXX) | 20020-1239 | 5/25/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | //05/25/2022 Updated recevied copy of Final CD with taxes and insurance included with XXX | compensating factors: 1. borrowers scredit score of XXX exceeds min score of 700 2. borrowers reserves of $XXX exceeds min reserves of $363256.74 | Cured | Credit | EG1 | 5/13/2022 | Second Home | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG3 | EG3 | EG3 | EG3 | EG1 | EG3 | EG1 |
| 11/7/2022 | 442448 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Update 5/19/2022 Received documentation to evidence the hazard and taxes but missing the documentation to evidence the monthly mortgage obligation. Final HUD in the file shows a new loan to XXX as of XXX Missing documentation to evidence the monthly obligation for mortgage P&i, hazard insurance, property taxes and HOA dues (if applicable) for the borrower's primary residence located at XXX | 20020-1240 | 5/25/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | //updated 05/25/2022 received copy of mortgage statement and final HUD with refinance to XXX taxes and insurance were not included in mortgage payment. No HOA | compensating factors: 1. borrowers scredit score of XXX exceeds min score of 700 2. borrowers reserves of $XXX exceeds min reserves of $363256.74 | Cured | Credit | EG1 | 5/13/2022 | Second Home | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG3 | EG3 | EG3 | EG3 | EG1 | EG3 | EG1 |
| 11/7/2022 | 442448 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | //UPDATED: 05/27/2022 Updated received taxes and insurance which we received on XXX; however mortgage stmt for XXX dated XXX reflects the loan was past due. Guidelines do not allow mortgage lates in the last12 months. //05/25/2022 Updated received taxes and insurance and added to mortgage. However, mortgage statement shows a past due balance of $XXXX total amount due $XXX missing evidence that mortgage is brought current.//UPDATE 05/23/2022 Received mortgage statement from XXX however it does not reflect the account is impounded; missing evidence of taxes, insurance and HOA if applicable.//Missing documentation to evidence the monthly PITIA obligation and HOA dues (if applicable) for the borrower's investment property located at XXX | 20020-1241 | 6/3/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Update 6/3/2022 Sufficient documentation provided. //05/27/2022 Updated received taxes and insurance which we received on XXX; however mortgage stmt for XXX dated XXX reflects the loan was past due $XXX | compensating factors: 1. borrowers scredit score of XXX exceeds min score of 700 2. borrowers reserves of $XXX exceeds min reserves of $363256.74 | Cured | Credit | EG1 | 5/13/2022 | Second Home | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG3 | EG3 | EG3 | EG3 | EG1 | EG3 | EG1 |
| 11/7/2022 | 442448 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing evidence of monthly obligations for , for the borrower's investment property located at XXX Subject to review upon receipt. | 20020-1243 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/19/2022 Received mortgage statement which reflects PITIA - account is impounded | compensating factors: 1. borrowers scredit score of XXX exceeds min score of 700 2. borrowers reserves of $XXX exceeds min reserves of $363256.74 | Cured | Credit | EG1 | 5/13/2022 | Second Home | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG3 | EG3 | EG3 | EG3 | EG1 | EG3 | EG1 |
| 11/7/2022 | 442448 | XXX | XXX | XXX | Credit - Credit | Missing satisfactory signed and dated letter of explanation from the borrower regarding the following credit inquiries and whether or not any new/additional debt was incurred | 20020-1236 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/19/2022 Received signed LOE | compensating factors: 1. borrowers scredit score of XXX exceeds min score of 700 2. borrowers reserves of $XXX exceeds min reserves of $363256.74 | Cured | Credit | EG1 | 5/13/2022 | Second Home | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG3 | EG3 | EG3 | EG3 | EG1 | EG3 | EG1 |
| 11/7/2022 | 240656 | XXX | XXX | XXX | Compliance - Regulatory Compliance | //UPDATE: 05/23/2022 Received a DocuSign Cert of Completion, however, it only reflects that the CD was "Sent" on XXX. STILL NEED proof of borrower's "Receipt" of CD dated XXX.//UPDATE: 05/20/2022 Received a notification from Lender to utilize the CD dated XXX signed on XXX, however, the Increase in the 1004d fee occurred on the XXX CD and the Changed Circumstance cannot be applied to reset the tolerance without proof of receipt. Condition remains as is.//UPDATE: 05/19/2022 Received DocuSign Certificate of Completion, however, it reflects borrower's receipt on XXX which is after consummation and results in a Timing Violation therefore Change of Circumstance cannot reset tolerances. Condition remains as is.This loan failed TRID zero fee tolerance. Missing proof of receipt for Revised Closing Disclosure (CD) in file issued XXX renders the Changed Circumstance Form as invalid and unable to reset tolerances, resulting in the below TRID tolerance violation.Integrated Disclosures Tolerance & Reimbursement Provisions - 05/06/2022 - 2This loan failed the charges that cannot increase test. (12 CFR 1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to 1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX. | 20020-1255 | 5/25/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/25/2022 Per Lender CD was received XXX Entered into CE and received a Pass result for all Tolerance Testing.<br>//UPDATE: 05/23/2022 Received a DocuSign Cert of Completion, however, it only reflects that the CD was "Sent" on XXX. STILL NEED proof of borrower's "Receipt" of CD dated XXX.<br>//UPDATE: 05/20/2022 Received a notification from Lender to utilize the CD dated XXX signed on XXX, however, the Increase in the 1004d fee occured on the XXX CD and the Changed Circumstance cannot be applied to reset the tolerance without proof of receipt. Condition remains as is.<br>//UPDATE: 05/19/2022 Received DocuSign Certificate of Completion, however, it reflects borrower's receipt on XXX which is after consummation and results in a Timing Violation therefore Change of Circumstance cannot reset tolerances. Condition remains as is. | Compensating Factors: 1. Liquid assets post closing= XXX times of the monthly housing payment$XXX | Cured | Compliance | EG1 | 5/16/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG3 | EG1 |
| 11/7/2022 | 240656 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Affiliated Business Arrangement Disclosure Statement is in file, however, it is not signed by borrower(s). Need fully executed Affiliated Business Arrangement Disclosure Statement. | 20020-1238 | 5/13/2022 | Waived/Exception Granted | 05/13/2022 Condition has been cleared as a non-material exception. Under the advisement of our outside counsel, 1024.15 and Appendix D, the ABA Disclosure is intended to be signed by the borrower as evidence of acknowledgement and receipt, however the exclusion of one or more borrower's signature is not, in itself, a material violation. | Compensating Factors: 1. Liquid assets post closing= XXX times of the monthly housing payment$XXX | Waived | Compliance | EG2 | 5/16/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG3 | EG1 |
| 11/7/2022 | 240656 | XXX | XXX | XXX | Credit - Credit | Missing LOE for credit inquiries. LOE provided was not completed. | 20020-1234 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/19/2022 Received signed LOE | Compensating Factors: 1. Liquid assets post closing= XXX times of the monthly housing payment$XXX | Cured | Credit | EG1 | 5/16/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG3 | EG1 |
| 11/7/2022 | 240656 | XXX | XXX | XXX | Property - Collateral | Missing documentation to evidence the Condo project approval and HOA questionnaire. The 1008 does not reflect the project classification for the subject property. | 20020-1319 | 5/20/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Sufficient documentation received to clear the condition | Compensating Factors: 1. Liquid assets post closing= XXX times of the monthly housing payment$XXX | Cured | Property | EG1 | 5/16/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG3 | EG1 |
| 11/7/2022 | 240656 | XXX | XXX | XXX | Credit - Income and Assets | Missing documentation to evidence the most recent bank statement covering a 60 day period for the borrower checking and saving account with XXX xxXXX and xxXXX The loan file contains an asset statement reflecting XXX - XXX and does not meet the minimum of 60 days activity per the program guidelines. | 20020-1321 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/19/2022 Received XXX statement | Compensating Factors: 1. Liquid assets post closing= XXX times of the monthly housing payment$XXX | Cured | Credit | EG1 | 5/16/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG3 | EG1 |
| 11/7/2022 | 959529 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing copy of SXXX contract with XXX DBA XXX, to meet XXX guidelines, a UCC financing statement is noted on the preliminary title report. | 20020-1323 | 5/23/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 5/23/22: solar lease provided | Compensating Factors: 1) DTI XXX%, XXX% <50% maximum guideline requriement 2) FICO used XXX, XXX points > 720 minimum requirement (subject to missing credit report) | Cured | Credit | EG1 | 5/17/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 959529 | XXX | XXX | XXX | Credit - Credit | Missing satisfactory mortgage rating 0x30 for past 12 months for XXX xxXXX. Only the mortgage statement dated XXX was provided. | 20020-1337 | 5/20/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/20/2022 Received credit supp reflecting next due XXX. | Compensating Factors: 1) DTI XXX%, XXX% <50% maximum guideline requriement 2) FICO used XXX, XXX points > 720 minimum requirement (subject to missing credit report) | Cured | Credit | EG1 | 5/17/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 959529 | XXX | XXX | XXX | Credit - Credit | Missing credit report from file. Unable to determine amount of total liabilities, final debt to income ratio, FICO's, number of tradelines, Bankruptcy, Foreclosures or judgment/liens and public records and OFAC Search. Subject to re-calculation of debt ratio upon receipt. | 20020-1316 | 5/20/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/20/2022 Received credit report. Matched the 1003 and FICO used | Compensating Factors: 1) DTI XXX%, XXX% <50% maximum guideline requriement 2) FICO used XXX, XXX points > 720 minimum requirement (subject to missing credit report) | Cured | Credit | EG1 | 5/17/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 959529 | XXX | XXX | XXX | Compliance - Regulatory Compliance | //UPDATE: 05/20/2022 Received a lender's explanation regarding the signature of NBS, however, that holds no bearing on this TRID Timing Waiting Period Violation.This loan failed TRID timing of disclosures. This loan exceeded the APR threshold, resulting in the below Timing Violation.Revised Closing Disclosure Timing Requirements - 05/05/2022 - 2This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR 1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under 1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of 1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under 1026.38(o)(4) becomes inaccurate, as defined in 1026.22.(B) The loan product is changed, causing the information disclosed under 1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under 1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under 1026.19(f)(1)(i) no later than three business days before consummation. | 20020-1328 | 5/24/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/24/2022 Utilized the Funding date in XXX as Consummation and received a Pass result for all TRID Timing tests. CE reflects violation of Right to Cancel which is a FALSE result.<br>//UPDATE: 05/20/2022 Received a lender's explanation regarding the signature of NBS, however, that holds no bearing on this TRID Timing Waiting Period Violation. | Compensating Factors: 1) DTI XXX%, XXX% <50% maximum guideline requriement 2) FICO used XXX, XXX points > 720 minimum requirement (subject to missing credit report) | Cured | Compliance | EG1 | 5/17/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 959529 | XXX | XXX | XXX | Compliance - Regulatory Compliance | //UPDATE: 05/20/2022 Received a lender's explanation regarding the signature of NBS, however, that holds no bearing on this TRID Timing Waiting Period Violation.This loan failed TRID timing of disclosures. This loan exceeded the APR threshold, resulting in the below Timing Violation.Revised Closing Disclosure Timing Requirements - 05/06/2022 - 4This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR 1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under 1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of 1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under 1026.38(o)(4) becomes inaccurate, as defined in 1026.22.(B) The loan product is changed, causing the information disclosed under 1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under 1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under 1026.19(f)(1)(i) no later than three business days before consummation. | 20020-1329 | 5/24/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/24/2022 Utilized the Funding date in CA as Consummation and received a Pass result for all TRID Timing tests. CE reflects violation of Right to Cancel which is a FALSE result.<br>//UPDATE: 05/20/2022 Received a lender's explanation regarding the signature of NBS, however, that holds no bearing on this TRID Timing Waiting Period Violation. | Compensating Factors: 1) DTI XXX%, XXX% <50% maximum guideline requriement 2) FICO used XXX, XXX points > 720 minimum requirement (subject to missing credit report) | Cured | Compliance | EG1 | 5/17/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 959529 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing evidence of lawful residency; Valid Green Card. Borrower is a Permanent Resident. File contains Driver License only. | 20020-1297 | 5/20/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/20/2022 Received unexpired green card | Compensating Factors: 1) DTI XXX%, XXX% <50% maximum guideline requriement 2) FICO used XXX, XXX points > 720 minimum requirement (subject to missing credit report) | Cured | Credit | EG1 | 5/17/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 959529 | XXX | XXX | XXX | Credit - Income and Assets | Update 6/3/2022 Received bylaws and additional documentation to support borrower has a 50% ownership interest in the business used for the qualifying income. UPDATED 5/23/2022: Received CPA letter stating borrower changed from Schedule "C" to S-Corp in XXX. Letter does not state percentage ownership. /////Missing 3rd party documentation to support borrowers ownership interest in XXX. The business Narrative provided shows business has two owners. Subject to re-calculation of debt ratio upon receipt. | 20020-1338 | 6/3/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Update 6/3/2022 Received bylaws and addtional documentation to support borrower has a 50% ownership interest in the business used for the qualfying income. <br> UPDATED 5/23/2022: Received CPA letter stating borrower changed from Schedule "C" to S-Corp in XXX. Letter does not state percentage ownership. | Compensating Factors: 1) DTI XXX%, XXX% <50% maximum guideline requriement 2) FICO used XXX, XXX points > 720 minimum requirement (subject to missing credit report) | Cured | Credit | EG1 | 5/17/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 862016 | XXX | XXX | XXX | Credit - Insurance and Title | Missing documentation to evidence sufficient hazard insurance exists for the subject property. The loan file contains a quote summary from XXX but does not contain the actual hazard policy for the subject property. Subject to review upon receipt. | 20021-124 | 6/16/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Rec'd | Compensating Factors: 1. XXX FICO; XXX points > 660 program minimum | Cured | Credit | EG1 | 5/13/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 862016 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | The LTV of XXX% for the subject property exceeds the maximum of 75% for a First time investor. The 1003 loan application reflects the borrower has not owned an income generating property in the past 36 months and would not meet the Experienced Investor criteria. | 20021-126 | 5/23/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Suffcient documentation provided | Compensating Factors: 1. XXX FICO; XXX points > 660 program minimum | Cured | Credit | EG1 | 5/13/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 218523 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing addendum to sales contract to support final sales price of $XXX. Appraisal dated XXX and Purchase contract dated XXX reflect purchase price of $XXX. However, final Closing Disclosure dated XXXreflects sales price of $XXX. | 20021-140 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/19/2022 Received corrected addendum | Compensating Factors: 1. XXX% LTV; XXX% < 80.00% guideline maximum 2. DSCR XXX ; .XXX > 1.0 program minimum | Cured | Credit | EG1 | 5/16/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 218523 | XXX | XXX | XXX | Credit - Credit | Missing documentation to 0x 30-days late payment in past 12 months for all non-subject mortgages. | 20021-141 | 5/23/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/23/2022 See Notes for detailed mortgage payment history for each property | Compensating Factors: 1. XXX% LTV; XXX% < 80.00% guideline maximum 2. DSCR XXX ; .XXX > 1.0 program minimum | Cured | Credit | EG1 | 5/16/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 218523 | XXX | XXX | XXX | Credit - Credit | Missing credit report from file. Unable to validate FICO scores, tradelines, Bankruptcy or foreclosure information, public records and OFAC search. | 20021-129 | 5/20/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/20/2022 Received credit report. Score matches 1008 | Compensating Factors: 1. XXX% LTV; XXX% < 80.00% guideline maximum 2. DSCR XXX ; .XXX > 1.0 program minimum | Cured | Credit | EG1 | 5/16/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 191091 | XXX | XXX | XXX | Property - Collateral | Appraisal report is made "subject to" Remove stove from basement. Missing Satisfactory Completion Certificate (Form 442) along with photos of the completed property. | 20021-165 | 5/27/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/27/2022 Received 442 completion reflecting stove has been removed | COMPENSATING FACTORS: 1. HIGH FICO SCORE OF XXX WHICH EXCEEDS THE REQUIRED SCORE OF 680 2. DSCR SCORE OF XXX WHICH EXCEEDS 1.00 SCORE REQUIRED | Cured | Property | EG1 | 5/23/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 11/7/2022 | 191091 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to support transition of leased solar panels. Appraisal reflects panels are leased. Missing documentation for sellers intention on panels and if lease is transferred to borrower (Buyer). Subject to re-calculation of DSCR upon receipt. | 20021-168 | 6/1/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 6/1/22: Leased equipment. Cleared. | COMPENSATING FACTORS: 1. HIGH FICO SCORE OF XXX WHICH EXCEEDS THE REQUIRED SCORE OF 680 2. DSCR SCORE OF XXX WHICH EXCEEDS 1.00 SCORE REQUIRED | Cured | Credit | EG1 | 5/23/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 11/7/2022 | 332669 | XXX | XXX | XXX | Credit - Credit | Missing documentation to evidence the most recent 12 month mortgage history for the borrower's investment property located at XXX. The 1003 loan application reflects mortgages with XXX xxXXX and XXX xxXXX are linked to this property. | 20021-1198 | 6/27/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Sufficient documentation received to clear the condition | COMPENSATING FACTORS: 1. GOOD LTV OF XXX% WHICH IS BELOW THE 75% MAXIMUM. 2. GOOD FICO SCORE OF XXX WHICH IS ABOVE THE 660 MINIMUM SCORE REQUIRED. 3. LARGE PITI RESERVES OF XXX MONTHS WHICH IS ABOVE THE 6 MONTHS REQUIRED. 4. HIGH DSCR SCORE OF XXX WHICH IS ABOVE THE 1.00 SCORE REQUIRED. | Cured | Credit | EG1 | 6/22/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 332669 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Update 6/27/2022 Received copy of the LLC borrowing cert but missing the Certificate of Authorization Missing documentation to evidence a copy of the Certificate of Authorization and LLC Borrowing Certificate documents were provided as required when vesting is in the name of a entity. | 20021-1200 | 6/30/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | UPDATED 6/30: Rec'd Cert of Auth<br> Update XXX Received copy of the LLC borrowing cert but missing the Certificate of Authorization | COMPENSATING FACTORS: 1. GOOD LTV OF XXX% WHICH IS BELOW THE 75% MAXIMUM. 2. GOOD FICO SCORE OF XXX WHICH IS ABOVE THE 660 MINIMUM SCORE REQUIRED. 3. LARGE PITI RESERVES OF XXX MONTHS WHICH IS ABOVE THE 6 MONTHS REQUIRED. 4. HIGH DSCR SCORE OF XXX WHICH IS ABOVE THE 1.00 SCORE REQUIRED. | Cured | Credit | EG1 | 6/22/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 332669 | XXX | XXX | XXX | Credit - Credit | Missing documentation to evidence a valid credit report for the subject transaction was provided. The original credit report is dated XXX, the note is dated XXX. This results in the credit report exceeding the maximum age of 90 days old from the note date for credit documentation. | 20021-1201 | 6/27/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Sufficient documentation provided | COMPENSATING FACTORS: 1. GOOD LTV OF XXX% WHICH IS BELOW THE 75% MAXIMUM. 2. GOOD FICO SCORE OF XXX WHICH IS ABOVE THE 660 MINIMUM SCORE REQUIRED. 3. LARGE PITI RESERVES OF XXX MONTHS WHICH IS ABOVE THE 6 MONTHS REQUIRED. 4. HIGH DSCR SCORE OF XXX WHICH IS ABOVE THE 1.00 SCORE REQUIRED. | Cured | Credit | EG1 | 6/22/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 837123 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing Purchase contract. | 20021-176 | 6/9/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | rec'd contract | Compensating Factors: 1. XXX FICO; XXX points > 700 program minimum 2. XXX% LTV; XXX% < program maximum | Cured | Credit | EG1 | 6/6/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 837123 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to support when property was acquired - unable to determine if 12 month repayment history is met for property at XXX. | 20021-178 | 6/9/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Rec'd CD, property purchased XXX | Compensating Factors: 1. XXX FICO; XXX points > 700 program minimum 2. XXX% LTV; XXX% < program maximum | Cured | Credit | EG1 | 6/6/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 837123 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to support when property was acquired - unable to determine if 12 month repayment history is met for property at XXX. | 20021-179 | 6/9/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Rec'd CD closedo n XXX | Compensating Factors: 1. XXX FICO; XXX points > 700 program minimum 2. XXX% LTV; XXX% < program maximum | Cured | Credit | EG1 | 6/6/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 837123 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to support when property was acquired - unable to determine if 12 month repayment history is met for property at XXX. | 20021-180 | 6/9/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Rec'd mortgage statement showing mtg closed XXX with first pay of XXX | Compensating Factors: 1. XXX FICO; XXX points > 700 program minimum 2. XXX% LTV; XXX% < program maximum | Cured | Credit | EG1 | 6/6/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 837123 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to support when property was acquired - unable to determine if 12 month repayment history is met for property at XXX. | 20021-181 | 6/9/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Rec'd closed XXX | Compensating Factors: 1. XXX FICO; XXX points > 700 program minimum 2. XXX% LTV; XXX% < program maximum | Cured | Credit | EG1 | 6/6/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 837123 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing copy of the Client Accounting Statement for the subject property. Copy provided does not reflect the subject property (XXX) in the list of exchange properties (XXX). | 20021-182 | 6/15/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Sufficient documentation provided to clear the condition | Compensating Factors: 1. XXX FICO; XXX points > 700 program minimum 2. XXX% LTV; XXX% < program maximum | Cured | Credit | EG1 | 6/6/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 837123 | XXX | XXX | XXX | Credit - Income and Assets | ADDED 6/9: Missing additional sources of funds for borrower for closing and reserves. Borrower closed on multiple properties (including subject). The 1031 Exchange does not list the subject nor other properties recently purchased. | 20021-1188 | 6/13/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | //UPDATE 06/13/2022: Received XXX Client Accounting Statement reflecting subject property ownership and updated listing of properties included in 1031 exchange. The Statement shows available funds are $XXX as of XXX. | Compensating Factors: 1. XXX FICO; XXX points > 700 program minimum 2. XXX% LTV; XXX% < program maximum | Cured | Credit | EG1 | 6/6/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 192880 | XXX | XXX | XXX | Credit - Income and Assets | Missing source of Earnest Money Deposit in the amount of $XXX and evidence of transfer to the closing agent. | 20021-138 | 5/19/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/19/2022 Backed out EMD and assets are sufficent |  | Cured | Credit | EG1 | 5/16/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 234120 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing copy of 1031 exchange Client Accounting Statement for the relinquished property to the subject transaction. The Investment Property Exchange statement provided shows relinquished property at XXX, and the replacement properties are XXX, XXX and XXX. Subject property at XXX is not listed as a replacement property. Unable to determine if sufficient funds available for closing. Subject to re-calculation of assets/reserves upon receipt. | 20021-175 | 6/3/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 6/3/22 Rcvd updated 1031 client accounting stmt dated XXX; sufficient funds were available. | Compensating Factors: 1. FICO is XXX; XXX points > min FICO of 660 2. 0x30 mortgage history since inception XXX | Cured | Credit | EG1 | 5/27/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 728679 | XXX | XXX | XXX | Compliance - Regulatory Compliance | // UPDATE: 06/14/2022 Advisement from SFA Counsel is as follows: 3-Day Waiting Period for APR Decreases, APR Reductions will require the additional 3 day waiting period unless the overstated APR was based on an overstated finance charge. Variance is not due to Overstated Finance Charges. Waiting Period is required.//UPDATE: 06/09/2022 Received proof of receipt of CD on XXX, however, APR Changed by more than allowable threshold and a new Waiting Period prior to Consummation on XXX was not provided. Condition remains as is. This loan failed TRID timing of disclosures. Missing proof of consumer's receipt of revised Closing Disclosure (CD) provided reflecting a Date Issued of XXX and a Consummation Date of XXX, results in the below TRID waiting period timing violation as APR changed by more than allowable threshold.Revised Closing Disclosure Timing Requirements - 05/23/2022 - 1This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR 1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under 1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of 1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under 1026.38(o)(4) becomes inaccurate, as defined in 1026.22.(B) The loan product is changed, causing the information disclosed under 1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under 1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under 1026.19(f)(1)(i) no later than three business days before consummation. | 20020-1400 | 6/17/2022 | Compliance conditions cured by satisfactory remediation docs/re-disclosures | 06/17/2022 Upon further review of additional counsel advisement, Rate decrease does not require additional 3 day waiting period, however, condition should be an EG2.<br>// UPDATE: 06/14/2022 Advisement from SFA Counsel is as follows: 3-Day Waiting Period for APR Decreases<br> APR Reductions will require the additional 3 day waiting period unless the overstated APR was based on an overstated finance charge. Variance is not due to Overstated Finance Charges. Waiting Period is required<br>//UPDATE: 06/09/2022 Received proof of receipt of CD on 05/24/202, however, APR Changed by more than allowable threshold and a new Waiting Period prior to Consummation on 05/25/2022 was not provided. Condition remains as is. | Compensating Factors: 1. FICO XXX, XXX> 720 minimum required. 2. XXX months reserves, XXX months> 12 required | Cured | Compliance | EG2 | 6/7/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 728679 | XXX | XXX | XXX | Compliance - Regulatory Compliance | // UPDATE: 06/14/2022 Advisement from SFA Counsel is as follows: 3-Day Waiting Period for APR Decreases, APR Reductions will require the additional 3 day waiting period unless the overstated APR was based on an overstated finance charge. Variance is not due to Overstated Finance Charges. Waiting Period is required.//UPDATE: 06/09/2022 Received proof of receipt of CD on XXX, however, APR Changed by more than allowable threshold and a new Waiting Period prior to Consummation on XXX was not provided. Due to Violation of Waiting Period, COC dated XXX is considered invalid. Condition remains as is. This loan failed TRID zero fee tolerance. Missing proof of receipt for Revised Closing Disclosure (CD) in file issued XXX renders the Changed Circumstance Form as invalid and unable to reset tolerances, resulting in the below TRID tolerance violation.This loan failed the charges that cannot increase test. (12 CFR 1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to 1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX. | 20020-1402 | 6/17/2022 | Compliance conditions cured by satisfactory remediation docs/re-disclosures | 06/17/2022 Upon further review of additional counsel advisement, Rate decrease does not require additional 3 day waiting period, however, condition should be an EG2.<br>// UPDATE: 06/14/2022 Advisement from SFA Counsel is as follows: 3-Day Waiting Period for APR Decreases, APR Reductions will require the additional 3 day waiting period unless the overstated APR was based on an overstated finance charge. Variance is not due to Overstated Finance Charges. Waiting Period is required.<br>//UPDATE: 06/09/2022 Received proof of receipt of CD on 05/24/202, however, APR Changed by more than allowable threshold and a new Waiting Period prior to Consummation on 05/25/2022 was not provided. Due to Violation of Waiting Period, COC dated 05/18/2022 is considered invalid. Condition remains as is. | Compensating Factors: 1. FICO XXX, XXX> 720 minimum required. 2. XXX months reserves, XXX months> 12 required | Cured | Compliance | EG2 | 6/7/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 728679 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Affiliated Business Arrangement Disclosure Statement is in file, however, it is not signed by borrower(s). Need fully executed Affiliated Business Arrangement Disclosure Statement. | 20020-1405 | 6/7/2022 | Waived/Exception Granted | 06/07/2022 Condition has been cleared as a non-material exception. Under the advisement of our outside counsel, 1024.15 and Appendix D, the ABA Disclosure is intended to be signed by the borrower as evidence of acknowledgement and receipt, however the exclusion of one or more borrower's signature is not, in itself, a material violation. | Compensating Factors: 1. FICO XXX, XXXX> 720 minimum required. 2. XXX months reserves, XXX months> 12 required | Waived | Compliance | EG2 | 6/7/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 728679 | XXX | XXX | XXX | Credit - Credit | Missing satisfactory signed and dated letter of explanation from the borrower regarding the following credit inquiries and whether or not any new/additional debt was incurred: XXX on XXX, XXX, XXX on XXX, XXX, XXX on XXX, XXX on XXX, Provide documentation for any new obligation(s), if applicable. | 20020-1395 | 6/10/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 6/10/22 received LOE for credit inquiries | Compensating Factors: 1. FICO XXX, XXXX> 720 minimum required. 2. XXX months reserves, XXX months> 12 required | Cured | Credit | EG1 | 6/7/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 728679 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to evidence a business narrative letter was provided for the subject transaction. | 20020-1412 | 6/16/2022 | Waived/Exception Granted | Exception approved to use business narrative completed by the borrower | Compensating Factors: 1. FICO XXX, XXXX> 720 minimum required. 2. XXX months reserves, XXX months> 12 required | Waived | Credit | EG2 | 6/7/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 728679 | XXX | XXX | XXX | Credit - Income and Assets | 6/15/2022 . Received a Schedule C documentation for 2020 but the CPA letter in the file reflects the borrower incorporated the business XXX and the business is taxed as a S-Corp. The Schedule C documentation is not sufficient to evidence the borrower ownership percentage in the business entity used in qualifyingMissing documentation to evidence the borrower's ownership interest in the business entity used to calculate the qualifying income. The CPA letter does not reflect the borrower's ownership percentage in the business.//UPDATED 6/10/22. Received CPA letter however, letter does not verify percentage of ownership | 20020-1396 | 6/20/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 6/20/2022: Received Corporation Agreement signed XXX (appears same as Articles of Incorporation) that states in Exhibit A borrower is 100% owner. <br> //6/15/2022 . Received a Schedule C documentation for 2020 but the CPA letter in the file reflects the borrower incorporated the buisness XXX and the business is taxed as a S-Corp. The Schedule C documentation is not sufficient to evidence the borrower ownership percentage in the business entity used in qualyfing. 6/10/22 Received CPA letter. Does not verify % of ownership interest | Compensating Factors: 1. FICO XXX, XXXX> 720 minimum required. 2. XXX months reserves, XXX months> 12 required | Cured | Credit | EG1 | 6/7/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 728679 | XXX | XXX | XXX | Credit - Income and Assets | //UPDATED 6/16. Received a revised credit report showing debts paid off with $0.00 balances. DTI now XXX% exceeds the program maximum of 50% Note used income of $XXX/mo (the lower income stated on the initial 1003)//UPDATED 06/13/2022: No change: Received XXX 1003 and 1008 reflecting $0.00 other monthly payments. However, no additional documentation provided to support monthly installment debt is not $XXX per month as supported by XXX credit report. The recalculated DTI of XXX% exceeds the program maximum of 50%. The 1008 reflects other debt of $XXX which is not supported by the credit report in the file. The credit report reflects monthly obligations of $XXX. The business bank statements do not reflect that the business is paying any of the borrower's consumer debt. | 20020-1397 | 6/22/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Update 6/22/22 Updated CR reflects no monthly obligations. Updated system to reflect this. Updated income due to initial 1003 dated XXX received that reflected income of XXX a month. 1003's in the file reflected XXX a month. The bank statement calculation is $XXX a months. $XXX was used as the qualifying income as it is the lower of the initial 1003 and bank statement calculation. DTI withing guidelines and condition cleared | Compensating Factors: 1. FICO XXX, XXXX> 720 minimum required. 2. XXX months reserves, XXX months> 12 required | Cured | Credit | EG1 | 6/7/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 728679 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Electronic Consent/eSign Form in file is dated XXX, however, earliest eSign event occurred XXX. Need Electronic Consent/eSign Form completed prior to earliest esign event. | 20020-1406 | 6/9/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 06/09/2022 Received eConsent dated XXX | Compensating Factors: 1. FICO XXX, XXXX> 720 minimum required. 2. XXX months reserves, XXX months> 12 required | Cured | Compliance | EG1 | 6/7/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 728679 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Missing the following required State Disclosures: XXX Discount Point Acknowledgment. | 20020-1407 | 6/13/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 06/13/2022 Received Discount Point Acknowledgement. | Compensating Factors: 1. FICO XXX, XXXX> 720 minimum required. 2. XXX months reserves, XXX months> 12 required | Cured | Compliance | EG1 | 6/7/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 728679 | XXX | XXX | XXX | Compliance - Regulatory Compliance | This loan failed TRID timing of disclosures. Missing Written List of Service Providers with proof issued within 3 business days of application results in the below failure. There is an Additional Details For Services You Can Shop For in file, however, the date issued reflects XXX and the application date is XXX. Unable to complete regulatory compliance check and TRID monitoring.Integrated Disclosures Tolerance & Reimbursement Provisions - 05/24/2022 - 3This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR 1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in 1026.19(e)(1)(e)(1)(iii) 1026.2(a)(6) and as it relates to 1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open onPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by 1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in 1026.19(e)(1)(e)(1)(iii). | 20020-1401 | 6/9/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 06/09/2022 Received Services You Can Shop For dated XXX | Compensating Factors: 1. FICO XXX, XXXX> 720 minimum required. 2. XXX months reserves, XXX months> 12 required | Cured | Compliance | EG1 | 6/7/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 728679 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Missing Homeownership Counseling Notice with proof issued within 3 business days of application date, resulting in the below Federal RESPA failure. There is a List of Homeownership Counseling Organizations in file dated XXX, however, the application date according to the Loan Detail Report is XXX.Federal RESPAThis loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR 1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in 1024.2(b) and as it relates to 1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. | 20020-1403 | 6/9/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 06/09/2022 Received Housing Counseling List dated XXX | Compensating Factors: 1. FICO XXX, XXXX> 720 minimum required. 2. XXX months reserves, XXX months> 12 required | Cured | Compliance | EG1 | 6/7/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 |
| 11/7/2022 | 649230 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing Business Narrative to be provided by employee (non-relative) of the borrowers business with knowledge and information of the operations and finances of the business. | 20020-1360 | 5/31/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/31/2022 Received business narrative | Compensating Factors: 1) FICO XXX. XXX points >660 minimum guideline requirement 2) LTV/CLTV XXX%, XXX% <75% maximum requriment 3) Cashout > than points, fees etc. | Cured | Credit | EG1 | 5/24/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 649230 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing updated appraisal to reflect the lender XXX as the lender client. The appraisal in the file reflects XXX as the lender client. | 20020-1361 | 5/31/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/31/2022 Received appraisal transfer letter | Compensating Factors: 1) FICO XXX. XXX points >660 minimum guideline requirement 2) LTV/CLTV XXX%, XXX% <75% maximum requriment 3) Cashout > than points, fees etc. | Cured | Credit | EG1 | 5/24/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 649230 | XXX | XXX | XXX | Credit - Income and Assets | Missing documentation to evidence the borrower has sufficient assets to meet the requirement the borrower has two months PITIA of there own funds as reserves. The guidelines indicate that on a cash out refinance that what process from the refinance can be used toward reserves, the borrower must document they have 2 months PITIA of reserves in there own funds. The asset documentation provided indicates the borrower is short $XXX to meet the 2 month PITIA own funds reserve requirement. | 20020-1357 | 6/1/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 06/01/2022 Received updated bank statements | Compensating Factors: 1) FICO XXX. XXX points >660 minimum guideline requirement 2) LTV/CLTV XXX%, XXX% <75% maximum requriment 3) Cashout > than points, fees etc. | Cured | Credit | EG1 | 5/24/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 649230 | XXX | XXX | XXX | Credit - Income and Assets | Missing documentation to evidence the existence of the borrower's business within 10 calendar days of closing. | 20020-1358 | 5/31/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/31/2022 Guidelines for bank statement program do not require verification of existence of borrowers business wihtin 10 calendar days of closing - this requirement is listed under the full documentation. This is a bank statement loan | Compensating Factors: 1) FICO XXX. XXX points >660 minimum guideline requirement 2) LTV/CLTV XXX%, XXX% <75% maximum requriment 3) Cashout > than points, fees etc. | Cured | Credit | EG1 | 5/24/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 649230 | XXX | XXX | XXX | Credit - Income and Assets | Missing documentation to evidence a letter from a CPA or License tax professional was provided specifying the use of a 30% expense ratio. The 1008 in the file file reflects the lender used a 30% expense factor to determine the qualifying income. | 20020-1359 | 5/31/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Rec'd CPA letter | Compensating Factors: 1) FICO XXX. XXX points >660 minimum guideline requirement 2) LTV/CLTV XXX%, XXX% <75% maximum requriment 3) Cashout > than points, fees etc. | Cured | Credit | EG1 | 5/24/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 649230 | XXX | XXX | XXX | Compliance - Regulatory Compliance | //UPDATED: Added 05/27/2022 Received updated Changed Circumstance Form and XXX Closing Disclosure with no changes, condition was not addressed. Loan exceeded the APR threshold. Condition remains outstanding.This loan failed TRID timing of disclosures. This loan exceeded the APR threshold, resulting in the below Timing Violation.Revised Closing Disclosure Timing Requirements - 05/09/2022 - 1This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR 1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under 1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of 1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under 1026.38(o)(4) becomes inaccurate, as defined in 1026.22.(B) The loan product is changed, causing the information disclosed under 1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under 1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under 1026.19(f)(1)(i) no later than three business days before consummation. | 20020-1351 | 6/2/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 06/02/2022 Utilized funding date of XXX in XXX as Consummation date. Entered into CE and received a Pass result for this timing test. CE reflects a false result for Right to Cancel testing. | Compensating Factors: 1) FICO XXX. XXX points >660 minimum guideline requirement 2) LTV/CLTV XXX%, XXX% <75% maximum requriment 3) Cashout > than points, fees etc. | Cured | Compliance | EG1 | 5/24/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 649230 | XXX | XXX | XXX | Compliance - Regulatory Compliance | //UPDATED: Added 05/27/2022 Received updated Changed Circumstance Form and XXX Closing Disclosure with no changes, condition was not addressed. Loan exceeded the APR threshold. Condition remains outstanding.This loan failed TRID zero fee tolerance. This loan exceeded the APR threshold, therefore unable to reset tolerances, resulting in the below TRID tolerance violation.Integrated Disclosures Tolerance & Reimbursement Provisions - 05/17/2022 - 1This loan failed the charges that cannot increase test. (12 CFR 1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to 1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX. | 20020-1352 | 6/2/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 06/02/2022 Utilized funding date of XXX in XXX as Consummation date. Entered into CE and received a Pass result for Reimbursement Testing. CE reflects a false result for Right to Cancel testing. | Compensating Factors: 1) FICO XXX. XXX points >660 minimum guideline requirement 2) LTV/CLTV XXX%, XXX% <75% maximum requriment 3) Cashout > than points, fees etc. | Cured | Compliance | EG1 | 5/24/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 649230 | XXX | XXX | XXX | Compliance - Regulatory Compliance | //UPDATED: Added 05/27/2022 Received Changed Circumstance Form that reflects the decrease in the "Lender Credits," however, loan exceeded the APR threshold, therefore unable to reset tolerances, resulting in the below TRID tolerance violation.This loan failed TRID zero fee tolerance. The Changed Circumstance Form in file dated XXX is incomplete/invalid as it does not reflect the decrease in the "Lender Credits," resulting in the below TRID Tolerance Violation.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 ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Your total tolerance violation is $XXX. | 20020-1353 | 6/2/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 06/02/2022 Utilized funding date of XXX in XXX as Consummation date. Entered into CE and received a Pass result for Reimbursement Testing. CE reflects a false result for Right to Cancel testing. | Compensating Factors: 1) FICO XXX. XXX points >660 minimum guideline requirement 2) LTV/CLTV XXX%, XXX% <75% maximum requriment 3) Cashout > than points, fees etc. | Cured | Compliance | EG1 | 5/24/2022 | Primary Residence | XXX | XXX | Refinance - cash out | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 956003 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing current HOI showing updated mortgagee clause for XXX HOI in file is for XXX. | 20021-164 | 5/24/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 5/24/22: policy active and sufficient coverage; ok without payee updated | Compensating Factors: 1. XXX FICO; XXX points > 660 program minimum 2. Mortgage rating 0x30 since incesption in XXX | Cured | Credit | EG1 | 5/23/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 956003 | XXX | XXX | XXX | Credit - Credit | Missing mortgage repayment history for XXX xxXXX (property at XXX) for most recent 12 months. Unable to determine if maximum delinquency has been met. | 20021-169 | 5/27/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/27/2022 Received mortgage rating. | Compensating Factors: 1. XXX FICO; XXX points > 660 program minimum 2. Mortgage rating 0x30 since incesption in XXX | Cured | Credit | EG1 | 5/23/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 956003 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing condo cert / questionnaire. Subject is a non-warrantable condominium. Must include copy of budget. Affects Title item #6 reflects Notice of commencement requiring documentation to support HOA has sufficient funds to cover charges. | 20021-170 | 5/31/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Rec'd condo cert with $XXX in budget | Compensating Factors: 1. XXX FICO; XXX points > 660 program minimum 2. Mortgage rating 0x30 since incesption in XXX | Cured | Credit | EG1 | 5/23/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 956003 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing copy of Master condominium Insurance policy; HO6 coverage only was provided | 20021-171 | 5/31/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/31/2022 Received HO6 policy | Compensating Factors: 1. XXX FICO; XXX points > 660 program minimum 2. Mortgage rating 0x30 since incesption in XXX | Cured | Credit | EG1 | 5/23/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 241773 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to evidence the source of funds to complete the original purchase transaction for the subject property on XXX. The subject transaction is considered delayed financing and per the program guidelines the source of funds used to complete the original purchase transaction is needed. Subject to review upon receipt. | 20020-1387 | 6/9/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Received Settlement STatement from acquisition transaction with XXX bank statement - disbursement amounts referenced to seller reconciled against the XXX statement. | Compensating Factors: 1. Credit score of XXX, XXX points above 680 per program minimum, 2. Borrower has additional reserves from cash out proceeds. | Cured | Credit | EG1 | 6/3/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 241773 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to evidence the Final HUD-1 settlement statement from the original purchase transaction for the subject property was provided. This is a delayed financing transaction and the settlement statement is needed to verify that the previous transaction was an all cash transaction. Subject to review upon receipt. | 20020-1391 | 6/9/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Received Settlement STatement from acquisition transaction with XXX bank statement - disbursement amounts referenced to seller reconciled against the XXX statement. | Compensating Factors: 1. Credit score of XXX, XXX points above 680 per program minimum, 2. Borrower has additional reserves from cash out proceeds. | Cured | Credit | EG1 | 6/3/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 241773 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Missing Electronic Consent/ eSign Form completed prior to earliest esign event. | 20020-1386 | 6/8/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 06/08/2022 Received eConsent dated XXX | Compensating Factors: 1. Credit score of XXX, XXX points above 680 per program minimum, 2. Borrower has additional reserves from cash out proceeds. | Cured | Compliance | EG1 | 6/3/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 141745 | XXX | XXX | XXX | Credit - Credit | Missing satisfactory mortgage rating 0x30 for past 12 months for XXX $XXX as monthly payments are reflected on the bank statements for XXX account xxXXX. If the borrower is not responsible for the mortgage payment, provide evidence. | 20021-188 | 6/15/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Update 6/15/2022 Mortgage statement provided and the responsable party reflected on the statement is not our borrower. Conditoin cleared | COMPENSATING FACTORS: 1. HIGH FICO SCORE OF XXX WHICH IS ABOVE THE 700 MINIMUM SCORE REQUIRED. 2. HIGH PITI RESERVES OF XXX MONTHS WHICH IS ABOVE THE 6 MONTHS REQUIRED. 3. HIGH DSCR SCORE OF XXX WHICH IS ABOVE THE 1.00 REQUIRED. | Cured | Credit | EG1 | 6/7/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 745130 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing balance of the Investment Property Exchange Service Client Accounting Statement. Copy provided shows property relinquished, and three new replacement properties. However, the subject property is not one of the listed replacement properties. Exchange Agreement provided does show property address. Unable to determine if exchange funds reflected on ledger are sufficient to also include the subject property. | 20021-161 | 5/23/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 5/23/22: Received sale HUD1 and 1031X document for reqlinquished property to match subject exchange property. Cleared. | compensating factors 1. Verified reserves of $XXX exceeds minimum reserves of $9762.66 2. Credit score of XXX exceeds minimum score of 600 | Cured | Credit | EG1 | 5/18/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 833028 | XXX | XXX | XXX | Credit - Income and Assets | Missing copies of the most recent 12 months business bank statements from XXX account ending XXX used for qualifying income. The most recent business bank statements must be dated within 90 days of the Note dated XXX. Per lender's income worksheet provided in the file, the business bank statements XXX acct. #XXX from XXX to XXX were used for qualifying income, but the statements were not provided. Subject to review and re-calculation of the borrower's income and DTI. | 20020-1370 | 5/25/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 5/25/2022 - Rec'd copies of business bank stmts.--XXX #0XXX from XXX to XXX. Condition cleared. | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 680 2. Low DTI ratio of XXX%; XXX% less than max DTI of 50% 3. High residual income of $XXX; $XXX greater than minimum $2,500 residual income | Cured | Credit | EG1 | 5/18/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG3 | EG1 |
| 11/7/2022 | 833028 | XXX | XXX | XXX | Credit - Income and Assets | Missing documentation to evidence the borrower has additional assets of $XXX to meet cash to close shortage of $XXX plus minimum 12 months reserve requirement of $XXX. Borrower's verified assets of $XXX (including $XXX EMD and $XXX Gift funds) are insufficient to meet the required closing funds of $XXX, plus required reserves of $XXX. | 20020-1331 | 5/25/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 5/25/2022 - Rec'd bus. bank stmt.--XXX #XXX ending XXX. Condition cleared. | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 680 2. Low DTI ratio of XXX%; XXX% less than max DTI of 50% 3. High residual income of $XXX; $XXX greater than minimum $2,500 residual income | Cured | Credit | EG1 | 5/18/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG3 | EG1 |
| 11/7/2022 | 833028 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Missing the following required State Disclosures: XXX Mortgage Loan Commitment. | 20020-1310 | 5/27/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 5/27/22: Lender does not issue mortgage loan commitments. | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 680 2. Low DTI ratio of XXX%; XXX% less than max DTI of 50% 3. High residual income of $XXX; $XXX greater than minimum $2,500 residual income | Cured | Compliance | EG1 | 5/18/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG3 | EG1 |
| 11/7/2022 | 833028 | XXX | XXX | XXX | Property - Collateral | Missing copy of CDA or CU score < 2.5 for appraisal dated XXX. CDA and CU score provided were completed on a different appraisal. | 20020-1313 | 5/27/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/27/2022 Received CDA | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 680 2. Low DTI ratio of XXX%; XXX% less than max DTI of 50% 3. High residual income of $XXX; $XXX greater than minimum $2,500 residual income | Cured | Property | EG1 | 5/18/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG3 | EG1 |
| 11/7/2022 | 833028 | XXX | XXX | XXX | Credit - Insurance and Title | Missing required flood insurance impounds on the final Closing Disclosure dated XXX; Subject property is in the flood zone XXX. | 20020-1326 | 6/15/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 6/15/22 copy of final CD received reflects impounds. Cleared. | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 680 2. Low DTI ratio of XXX%; XXX% less than max DTI of 50% 3. High residual income of $XXX; $XXX greater than minimum $2,500 residual income | Cured | Credit | EG1 | 5/18/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG3 | EG1 |
| 11/7/2022 | 833028 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Missing the following required Federal Disclosures: Affiliated Business Arrangement Disclosure Statement is in file, however, it is not signed by borrower(s). Need fully executed Affiliated Business Arrangement Disclosure Statement. | 20020-1311 | 5/17/2022 | Waived/Exception Granted | Condition has been cleared as a non-material exception. Under the advisement of our outside counsel, 1024.15 and Appendix D, the ABA Disclosure is intended to be signed by the borrower as evidence of acknowledgement and receipt, however the exclusion of one or more borrower's signature is not, in itself, a material violation. | Compensating Factors: 1. XXX credit score; XXX points above program minimum credit score of 680 2. Low DTI ratio of XXX%; XXX% less than max DTI of 50% 3. High residual income of $XXX; $XXX greater than minimum $2,500 residual income | Waived | Compliance | EG2 | 5/18/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG2 | EG3 | EG1 | EG3 | EG2 | EG3 | EG1 |
| 11/7/2022 | 781256 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing condo cert / questionnaire. Subject is a non-warrantable condominium. | 20020-1377 | 6/3/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 6/3/22: Questionnaire received. Cleared. | Compensating Factors: 1. XXX FICO; XXX points > 660 program minimum | Cured | Credit | EG1 | 5/31/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 781256 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing copy of Master condominium Insurance policy; Only HO6 coverage was provided. | 20020-1378 | 6/3/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 6/3/22: Master policy received. Cleared. | Compensating Factors: 1. XXX FICO; XXX points > 660 program minimum | Cured | Credit | EG1 | 5/31/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 821281 | XXX | XXX | XXX | Credit - Income and Assets | Updated 5/25/2022 Received a copy of the lender DSC calculator but did not receiving the lease agreement to verify the amount reflected on the DSC calculator Documentation is not sufficient to clear the condition. Missing documentation to evidence a fully executed lease agreement for the subject property was provided. The program guidelines require that the lower of the lease agreement or 1007 rent survey is used to determine the qualifying DSCR ratio. Subject to review upon receipt. | 20021-152 | 6/1/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Updated 6/1/2022 Received a snap shot for the XXX rental income documnetation requirement. The lender guideline requirement for DSCR loans is different from the guideline reference provided. The lender guidelines reflect that the DSCR is based on the lower of the documented lease or market rent from the appraisal. The lease agreement provided reflects montly rent of $XXX DSCR ratio exceeds .XXX% and is within guidelines minimum. Updated XXX Received a copy of the lender DSC calculator but did not receiving the lease agreement ot verify the amount reflected on the DSC calculator Documentation is not sufficient to clear the condition. |  | Cured | Credit | EG1 | 5/18/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 821281 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Update 5/25/2022 Client approved exception to allow the loan amount of $XXX vs program minimum of $100,000.00 The loan was qualified as cash-out refinance under the XXX loan program with a loan amount of $XXX. The program guidelines reflected the minimum loan amount is $XXX and the subject loan amount of $XXX does not meet the minimum loan amount requirement. | 20021-158 | 5/25/2022 | Waived/Exception Granted |  |  | Waived | Credit | EG2 | 5/18/2022 | Investment Property | XXX | XXX | Refinance - cash out | Not covered / exempt | EG3 | EG2 | EG3 | EG2 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 781505 | XXX | XXX | XXX | Credit - Credit | Missing documentation to evidence what the "other" obligations that are reflected on the 1003 loan application are for. The 1003 reflects two separate obligations in the amount of $XXX and $XXX. The documentation is needed to verify the terms or repayment for these items. | 20020-1365 | 5/27/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/27/2022 Obligations are for XXX XXX - also on condition 1366 | Compensating Factors: 1. Credit scoreof XXX with 720 needed per guidelines 2. $XXX reserves 3. DTI below 35% | Cured | Credit | EG1 | 5/24/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 781505 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to evidence the monthly property tax and hazard obligations for the borrower's property located XXX. This property is reflected on the borrower's 1003 loan application as a investment property. | 20020-1364 | 5/27/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/27/2022 Received evidence of taxes and insurance. Added to properties owned worksheet. | Compensating Factors: 1. Credit scoreof XXX with 720 needed per guidelines 2. $XXX reserves 3. DTI below 35% | Cured | Credit | EG1 | 5/24/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 781505 | XXX | XXX | XXX | Credit - Insurance and Title | Missing documentation to evidence sufficient flood insurance exists for the subject property. The policies that are in the file are hazard policies and do not reflect flood coverage. | 20020-1369 | 5/27/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 0/27/2022 Received flood policy | Compensating Factors: 1. Credit scoreof XXX with 720 needed per guidelines 2. $XXX reserves 3. DTI below 35% | Cured | Credit | EG1 | 5/24/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 781505 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to evidence the monthly property tax, hazard and HOA dues (if applicable) obligation for the borrower's property located at XXX | 20020-1366 | 5/27/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/27/2022 Recieved also for condition 1365 | Compensating Factors: 1. Credit scoreof XXX with 720 needed per guidelines 2. $XXX reserves 3. DTI below 35% | Cured | Credit | EG1 | 5/24/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 781505 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to evidence the monthly property tax, and HOA dues (if applicable) obligation for the borrower's property located at XXX. | 20020-1367 | 5/27/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/27/2022 Received LOE from borrower no HOA | Compensating Factors: 1. Credit scoreof XXX with 720 needed per guidelines 2. $XXX reserves 3. DTI below 35% | Cured | Credit | EG1 | 5/24/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 781505 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Missing the following required Federal Disclosures: Electronic Consent/ eSign Form in file is dated XXX, however, earliest eSign event occurred XXX. Need Electronic Consent/ eSign Form completed prior to earliest esign event. | 20020-1350 | 5/27/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) |  | Compensating Factors: 1. Credit scoreof XXX with 720 needed per guidelines 2. $XXX reserves 3. DTI below 35% | Cured | Compliance | EG1 | 5/24/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 781505 | XXX | XXX | XXX | Credit - Income and Assets | Missing documentation to evidence a business narrative letter was provided by the borrower. The business narrative letter is to be provided by an employee or by a third party with direct knowledge of the borrower's business. | 20020-1368 | 5/27/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/27/2022 Received signed business narrative - not signed by the borrower | Compensating Factors: 1. Credit scoreof XXX with 720 needed per guidelines 2. $XXX reserves 3. DTI below 35% | Cured | Credit | EG1 | 5/24/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 |
| 11/7/2022 | 206905 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | The loan application reflects the subject property is currently subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through property taxes (e.g., the Property Assessed Clean Energy program). Unable to determine what the lien item entails. Missing LOE and/or documentation to support said lien will not affect lender's senior lien position. | 20020-2430 | 6/28/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | //UPDATE 06/28/22: Received amended Schedule B which specified re-issued so judgments would not be listed on title. Final Title Policy in file with no lien issues noted. Both copies of 1003's were re-reviewed and both the initial and final 1003's reflected 'No' answers to Declarations question E. | Compensating Factors: 1. XXX credit score; XXX points > 700 program minimum 2. XXX% LTV; XXX% < 85% program maximum 3. Residual earnings $XXX exceeds $2,500 program minimum 4. Reserves of XXX months; XXX months > 12 month program minimum | Cured | Credit | EG1 | 6/23/2022 | Primary Residence | XXX | XXX | Purchase | Non-Qualified Mortgage | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG1 | EG1 |
| 11/7/2022 | 320157 | XXX | XXX | XXX | Credit - Income and Assets | Missing documentation to support borrower has been self-employed for the past two years in the same line of business. Loan application reflects 0 months/0 years current self-employment with XXX, and the business documentation provided reflects a creation date of XXX for a business name of XXX. | 20020-1318 | 5/31/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 5/31/2022: documentation received. Cleared. |  | Cured | Credit | EG1 | 5/17/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 11/7/2022 | 320157 | XXX | XXX | XXX | Credit - Income and Assets | Missing most recent 2 months of consecutive bank statements for XXX acct#XXX as reflected on the loan application. | 20020-1320 | 5/31/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 5/31/22: documentation received. Cleared. |  | Cured | Credit | EG1 | 5/17/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 11/7/2022 | 320157 | XXX | XXX | XXX | Credit - Income and Assets | The Minimum Reserve Requirement of $XXX (12 months PITIA) has not been met. Verified assets of $XXX (XXX xxXXX $XXX + EMD $XXX) less required funds into transaction $XXX (deposit $XXX + closing monies $XXX) = shortage $XXX and insufficient to cover minimum reserve requirement. | 20020-1334 | 5/31/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 5/31/2022: documentation received. Cleared. |  | Cured | Credit | EG1 | 5/17/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 11/7/2022 | 320157 | XXX | XXX | XXX | Credit - Income and Assets | Missing documentation to evidence the borrower has sufficient assets to meet the cash to close requirement of $XXX. The asset documentation in the file supports available assets of $XXX (XXX xxXXX $XXX + EMD $XXX) less required funds into transaction $XXX (deposit $XXX + closing monies $XXX) = shortage $XXX. | 20020-1335 | 5/31/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 5/31/22: Documentation received. Cleared. |  | Cured | Credit | EG1 | 5/17/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 11/7/2022 | 320157 | XXX | XXX | XXX | Property - Collateral | Update 6/3/2022 Received 2nd Full appraisal and documentation is sufficient to clear the condition. UPDATE 5/31/2022: Appraisal provided is the same as the original appraisal within the file. A second full appraisal is required for loan amount over $1.5M. //UPDATE 05/31/2022 Appraisal provided is the same as the original appraisal within the file. A second full appraisal is required for loan amount over $1.5M. | 20020-1306 | 6/3/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Update 6/3/2022 Received 2nd Full appraisal and documentation is sufficient to clear the condition. Conditions Appraisal provided is the same as the original appraisal within the file. A second full appraisal is required for loan amount over $1.5M. |  | Cured | Property | EG1 | 5/17/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 11/7/2022 | 320157 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Application is incomplete. The initial 1003 provided is missing the LO's signature. | 20020-1285 | 5/27/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 05/27/2022 Received 1003 signed by LO |  | Cured | Credit | EG1 | 5/17/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 11/7/2022 | 320157 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing documentation to support lender's verification that all parties to this transaction were reviewed against the XXX EPL, XXX LDP and XXX SCP lists. | 20020-1342 | 5/31/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 5/31/22: Documentation received. Cleared. |  | Cured | Credit | EG1 | 5/17/2022 | Investment Property | XXX | XXX | Purchase | Not covered / exempt | EG3 | EG1 | EG3 | EG1 | EG1 | EG1 | EG3 | EG1 |
| 11/7/2022 | 497782 | XXX | XXX | XXX | Compliance - Regulatory Compliance | Missing the following required State Disclosures: XXX Mortgage Loan Commitment. | 20020-1390 | 6/9/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | 06/09/2022 Lender advised they do not issue Commitmens in XXX. | Compensating factors: 1.Reserves; XXX, XXX> 6 mo required by program minimum 3. DTI: XXX%; XXX% < 50.00% program maximum | Cured | Compliance | EG1 | 6/3/2022 | Primary Residence | XXX | XXX | Purchase | Qualified Mortgage Safe Harbor | EG3 | EG1 | EG3 | EG1 | EG2 | EG1 | EG1 | EG1 |
| 11/7/2022 | 497782 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing condo questionnaire to verify if condo is warrantable. | 20020-1398 | 6/9/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Received condo questionairre forms and documentation is sufficient to clear the condtion | Compensating factors: 1.Reserves; XXX, XXX> 6 mo required by program minimum 3. DTI: XXX%; XXX% < 50.00% program maximum | Cured | Credit | EG1 | 6/3/2022 | Primary Residence | XXX | XXX | Purchase | Qualified Mortgage Safe Harbor | EG3 | EG1 | EG3 | EG1 | EG2 | EG1 | EG1 | EG1 |
| 11/7/2022 | 497782 | XXX | XXX | XXX | Credit - General Underwriting Guideline Violation | Missing condominium master insurance policy. | 20020-1399 | 6/9/2022 | Credit condition cleared, Compliance condition cleared (does not include compliance cures) | Policy provided and sufficient to clear the condition | Compensating factors: 1.Reserves; XXX, XXX> 6 mo required by program minimum 3. DTI: XXX%; XXX% < 50.00% program maximum | Cured | Credit | EG1 | 6/3/2022 | Primary Residence | XXX | XXX | Purchase | Qualified Mortgage Safe Harbor | EG3 | EG1 | EG3 | EG1 | EG2 | EG1 | EG1 | EG1 |

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| TPR Firm: | ![](tm264825d35_ex99-8img001.jpg) | Date Submitted: | 6/8/2026 |
| Client Name: | Santander Bank N.A. | Report: | Rating Agency Grades |
| Deal Name: | SAN 2026-NQMS1 | Loans in report: | 121 |

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|:---|:---|:---|:---|:---|:---|
| **Report Date** | **Loan Number** | **Incenter ID** | **Seller Loan Number** | **Originator** | **Loan Amount** |
| 11/7/2022 | 621486 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 145155 | XXX | XXX | XXX | XXX C A B |
| 11/7/2022 | 618150 | XXX | XXX | XXX | XXX A |
| 11/7/2022 | 863310 | XXX | XXX | XXX | XXX A C |
| 11/7/2022 | 508280 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 902741 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 476000 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 588026 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 359911 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 655420 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 379660 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 187432 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 474165 | XXX | XXX | XXX | XXX C B A |
| 11/7/2022 | 402913 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 601223 | XXX | XXX | XXX | XXX A C |
| 11/7/2022 | 359332 | XXX | XXX | XXX | XXX A |
| 11/7/2022 | 325026 | XXX | XXX | XXX | XXX A |
| 11/7/2022 | 252314 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 278943 | XXX | XXX | XXX | XXX C A B |
| 11/7/2022 | 685924 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 796580 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 409366 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 199966 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 513082 | XXX | XXX | XXX | XXX A |
| 11/7/2022 | 156004 | XXX | XXX | XXX | XXX C A B |
| 11/7/2022 | 812050 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 224365 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 105805 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 428546 | XXX | XXX | XXX | XXX A |
| 11/7/2022 | 640846 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 470002 | XXX | XXX | XXX | XXX A |
| 11/7/2022 | 894018 | XXX | XXX | XXX | XXX C A B |
| 11/7/2022 | 121260 | XXX | XXX | XXX | XXX C A B |
| 11/7/2022 | 116729 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 141456 | XXX | XXX | XXX | XXX A |
| 11/7/2022 | 933786 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 451924 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 731752 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 526249 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 338741 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 334788 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 220004 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 221853 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 947619 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 667348 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 445743 | XXX | XXX | XXX | XXX A |
| 11/7/2022 | 130491 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 394973 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 680384 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 357675 | XXX | XXX | XXX | XXX C A B |
| 11/7/2022 | 769092 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 907467 | XXX | XXX | XXX | XXX A |
| 11/7/2022 | 109086 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 336214 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 486060 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 357472 | XXX | XXX | XXX | XXX C A B |
| 11/7/2022 | 102244 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 355485 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 888831 | XXX | XXX | XXX | XXX C A B |
| 11/7/2022 | 448523 | XXX | XXX | XXX | XXX C A B |
| 11/7/2022 | 554354 | XXX | XXX | XXX | XXX C A B |
| 11/7/2022 | 485873 | XXX | XXX | XXX | XXX C A B |
| 11/7/2022 | 775668 | XXX | XXX | XXX | XXX C A B |
| 11/7/2022 | 387133 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 152447 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 865367 | XXX | XXX | XXX | XXX A C |
| 11/7/2022 | 852807 | XXX | XXX | XXX | XXX C A |
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| 11/7/2022 | 290689 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 818339 | XXX | XXX | XXX | XXX C A |
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| 11/7/2022 | 633034 | XXX | XXX | XXX | XXX A |
| 11/7/2022 | 786484 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 356134 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 867438 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 146291 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 892415 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 911395 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 785942 | XXX | XXX | XXX | XXX A |
| 11/7/2022 | 628594 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 513767 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 647210 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 340446 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 196691 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 186277 | XXX | XXX | XXX | XXX C A B |
| 11/7/2022 | 890236 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 520069 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 918154 | XXX | XXX | XXX | XXX C A B |
| 11/7/2022 | 857586 | XXX | XXX | XXX | XXX C A B |
| 11/7/2022 | 679731 | XXX | XXX | XXX | XXX C A B |
| 11/7/2022 | 216696 | XXX | XXX | XXX | XXX C A B |
| 11/7/2022 | 849746 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 560597 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 954528 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 442448 | XXX | XXX | XXX | XXX C B A |
| 11/7/2022 | 240656 | XXX | XXX | XXX | XXX C A B |
| 11/7/2022 | 959529 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 862016 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 276167 | XXX | XXX | XXX | XXX A |
| 11/7/2022 | 218523 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 665708 | XXX | XXX | XXX | XXX A |
| 11/7/2022 | 112605 | XXX | XXX | XXX | XXX A |
| 11/7/2022 | 191091 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 332669 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 837123 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 192880 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 234120 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 728679 | XXX | XXX | XXX | XXX C A B |
| 11/7/2022 | 649230 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 956003 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 241773 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 141745 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 745130 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 833028 | XXX | XXX | XXX | XXX C A B |
| 11/7/2022 | 781256 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 821281 | XXX | XXX | XXX | XXX C A B |
| 11/7/2022 | 781505 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 206905 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 506165 | XXX | XXX | XXX | XXX A |
| 11/7/2022 | 320157 | XXX | XXX | XXX | XXX C A |
| 11/7/2022 | 497782 | XXX | XXX | XXX | XXX C B A |

---

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](tm264825d35_ex99-8img001.jpg) | Date Submitted: | 6/8/2026 |
| Client Name: | Santander Bank N.A. | Report: | Final Tape Compare |
| Deal Name: | SAN 2026-NQMS1 | Loans in report: | 121 |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Report Date** | **Loan Number** | **Incenter ID** | **Seller Loan Number** | **Originator** | **Field** | **Final Tape Data** | **Reviewer Data** |
| 11/07/2022 | 618150 | XXX | XXX | XXX | Property Type | Townhouse | Condo Low Rise (4 or fewer stories) |
| 11/07/2022 | 902741 | XXX | XXX | XXX | Property Type | Single Family Detached (non-PUD) | PUD (Planned Unit Development) |
| 11/07/2022 | 199966 | XXX | XXX | XXX | Investor Qualifying DSCR | XXX | XXX |
| 11/07/2022 | 563410 | XXX | XXX | XXX | Property Type | 3 Family | 2 Family |
| 11/07/2022 | 146291 | XXX | XXX | XXX | Property Type | 2 Family | 3 Family |
| 11/07/2022 | 628594 | XXX | XXX | XXX | Investor Qualifying DTI | XXX | XXX |
| 11/07/2022 | 513767 | XXX | XXX | XXX | QM Designation | Non-Qualified Mortgage | Not covered / exempt |
| 11/07/2022 | 647210 | XXX | XXX | XXX | QM Designation | Non-Qualified Mortgage | Not covered / exempt |
| 11/07/2022 | 196691 | XXX | XXX | XXX | Investor Qualifying DTI | XXX | XXX |
| 11/07/2022 | 890236 | XXX | XXX | XXX | Investor Qualifying DTI | XXX | XXX |
| 11/07/2022 | 216696 | XXX | XXX | XXX | Property Type | Single Family Detached (non-PUD) | Single Family Attached |
| 11/07/2022 | 849746 | XXX | XXX | XXX | Investor Qualifying DTI | XXX | XXX |
| 11/07/2022 | 560597 | XXX | XXX | XXX | Investor Qualifying DTI | XXX | XXX |
| 11/07/2022 | 954528 | XXX | XXX | XXX | Investor Qualifying DTI | XXX | XXX |
| 11/07/2022 | 442448 | XXX | XXX | XXX | Investor Qualifying DTI | XXX | XXX |
| 11/07/2022 | 240656 | XXX | XXX | XXX | Investor Qualifying DTI | XXX | XXX |
| 11/07/2022 | 862016 | XXX | XXX | XXX | Appraisal Value | XXX | XXX |
| 11/07/2022 | 862016 | XXX | XXX | XXX | Investor Qualifying DSCR | XXX | XXX |
| 11/07/2022 | 862016 | XXX | XXX | XXX | QM Designation | Non-Qualified Mortgage | Not covered / exempt |
| 11/07/2022 | 276167 | XXX | XXX | XXX | QM Designation | Non-Qualified Mortgage | Not covered / exempt |
| 11/07/2022 | 218523 | XXX | XXX | XXX | QM Designation | Non-Qualified Mortgage | Not covered / exempt |
| 11/07/2022 | 665708 | XXX | XXX | XXX | QM Designation | Non-Qualified Mortgage | Not covered / exempt |
| 11/07/2022 | 112605 | XXX | XXX | XXX | QM Designation | Non-Qualified Mortgage | Not covered / exempt |
| 11/07/2022 | 191091 | XXX | XXX | XXX | QM Designation | Non-Qualified Mortgage | Not covered / exempt |
| 11/07/2022 | 837123 | XXX | XXX | XXX | Appraisal Value | XXX | XXX |
| 11/07/2022 | 837123 | XXX | XXX | XXX | QM Designation | Non-Qualified Mortgage | Not covered / exempt |
| 11/07/2022 | 192880 | XXX | XXX | XXX | QM Designation | Non-Qualified Mortgage | Not covered / exempt |
| 11/07/2022 | 234120 | XXX | XXX | XXX | Qualifying Credit Score | XXX | XXX |
| 11/07/2022 | 956003 | XXX | XXX | XXX | QM Designation | Non-Qualified Mortgage | Not covered / exempt |
| 11/07/2022 | 141745 | XXX | XXX | XXX | Investor Qualifying DSCR | XXX | XXX |
| 11/07/2022 | 141745 | XXX | XXX | XXX | QM Designation | Non-Qualified Mortgage | Not covered / exempt |
| 11/07/2022 | 745130 | XXX | XXX | XXX | Investor Qualifying DSCR | XXX | XXX |
| 11/07/2022 | 745130 | XXX | XXX | XXX | QM Designation | Non-Qualified Mortgage | Not covered / exempt |
| 11/07/2022 | 833028 | XXX | XXX | XXX | Appraisal Value | XXX | XXX |
| 11/07/2022 | 833028 | XXX | XXX | XXX | Investor Qualifying DTI | XXX | XXX |
| 11/07/2022 | 781256 | XXX | XXX | XXX | Appraisal Value | XXX | XXX |
| 11/07/2022 | 781256 | XXX | XXX | XXX | Investor Qualifying DTI | XXX | XXX |
| 11/07/2022 | 821281 | XXX | XXX | XXX | QM Designation | Non-Qualified Mortgage | Not covered / exempt |
| 11/07/2022 | 506165 | XXX | XXX | XXX | QM Designation | Non-Qualified Mortgage | Not covered / exempt |

---

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](tm264825d35_ex99-8img001.jpg) | Date Submitted: | 6/8/2026 |
| Client Name: | Santander Bank N.A. | Report: | Supplemental Data |
| Deal Name: | SAN 2026-NQMS1 | Loans in report: | 121 |

---

---

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| **Report Date** | **Loan Number** | **Incenter ID** | **Seller Loan Number** | **Most Recent Pay History Longest Available** | **Credit based Modification Flag** | **Type of Modification** | **Modification Term** | **Servicing Transfer Date** | **Borrower 3 Original Score** | **Borrower 4 Original Score** | **Borrower 3 Original Score Date** | **Borrower 4 Original Score Date** | **Borrower 3 Updated Score** | **Borrower 4 Updated Score** | **Borrower 3 Updated Score Date** | **Borrower 4 Updated Score Date** | **FN Alternative Credit Documentation** | **Borrower Residency Status** | **Co-Borrower Residency Status** | **UW Guideline Author** | **UW Guideline Date** | **UW Guideline Program** | **Originator Credit Grade if appl** | **Correspondent Name** | **Qualifying Credit Score** | **Qualifying Home Value for LTV** | **HOA Flag** | **HOA Monthly Premium Amount** | **Borrower Employment Status** | **Co Borrower Employment Status** | **No of Months Statement** | **Type of Statements** | **Assets / Income Doc Source - Bank Statements** | **Income Doc Source - Income Doc** | **Income Doc Source - Tax Returns** | **Asset Verification (d)** | **Borrower 1 Doc Type** | **Borrower 2 Doc Type** | **Borrower 3 Doc Type** | **Borrower 4 Doc Type** | **Investor DTI Prop DTI** | **Actual In Place Rent** | **Third Party Market Rent** | **Rent Loss Insurance** | **Executed NOO Docs In File** | **# Units** | **Lease In Place Flag** | **Borrower 1 Type** | **Borrower 2 Type** | **No Mtg Prop With Lender** | **No of Properties** | **Year Built** | **Total Sq Ft** | **Property Condition** | **# Beds** | **# Baths** | **Section 8** | **Acquisition Cost** | **Renovation Cost** | **UW Gross Potential Rent** | **UW Economic Vacancy** | **UW Effective Gross Income** | **UW RE Taxes** | **UW Ins Costs** | **UW Prop Mgmt Fee** | **UW Turnover Costs** | **UW Repairs and Maintenance** | **UW Marketing and Leasing Costs** | **UW Utilities** | **UW Other Costs** | **UW HOA Fees** | **UW Cap Ex Reserve** | **Lease End Date** | **Borrower 1 Name - By Income** | **Borrower 2 Name - By Income** | **Borrower First Name - Per Application** | **Borrower Last Name - Per Application** | **Co Borrower First Name - Per Application** | **Co Borrower Last Name - Per Application** | **Guarantor 1 Name** | **Guarantor 1 Experian Score** | **Guarantor 1 Transunion Score** | **Guarantor 1 Most Recent Tri Merge Score** | **Guarantor 1 Most Recent Tri Merge Score Date** | **Guarantor 1 Total Income** | **Guarantor 1 Total Debt** | **Guarantor 2 Name** | **Guarantor 2 Equifax Score** | **Guarantor 2 Experian Score** | **Guarantor 2 Transunion Score** | **Guarantor 2 Most Recent Tri Merge Score** | **Guarantor 2 Most Recent Tri Merge Score Date** | **Guarantor 2 Total Income** | **Guarantor 2 Total Debt** | **ACH Payments** | **Tape Cut Off Date** | **Annual Property Tax** | **Annual Insurance Costs** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Months Modification** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Life Event LOE** | **Life Event Documented** | **Prior Occupancy Type** | **Number of Prior Credit Events** | **Loan Application Date** | **Regulatory Loan Purpose** | **APR** | **Points Fees** | **QM Designation** | **ATR Status** | **Rate Lock Date** | **Residual Income Originator** | **QM Agency UW Test** | **Non QM Reason Product Type** | **Non QM Reason DTI Test 43 App Q** | **Non QM Reason Not App Q Any DTI** | **Non QM Reason Pts Fees** | **Executed ATR Docs In File** | **QM ATR Exempt Reason** | **TRID Applicable** | **Full SFIG TRID 3 0 Scope Reviewed** | **LP Grade** | **DU Grade** | **AUS Engine** | **Collateral Underwriter CU risk score** | **Property Inspection Wavier PIW** | **DSCR** | **PITIA** | **Income Used in DSCR** | **Qualifying Rate** | **Maturity Date** | **P I Payment** | **QM DTI** | **ATR DTI** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD-1 Page 1 (Credits) Total** | **BALLOON FLAG** | **FIRST RATE ADJUSTMENT DATE** | **FIRST PAYMENT ADJUSTMENT DATE** | **PAYMENT ADJUSTMENT FREQUENCY** | **BORROWER 1 FIRST TIME HOME BUYER** | **BORROWER 2 FIRST TIME HOME BUYER** | **MOST RECENT BANKRUPTCY FILING DATE** | **MOST RECENT BANKRUPTCY TYPE** | **MOST RECENT BANKRUPTCY DISCHARGE DATE** | **MOST RECENT FORECLOSURE DATE** | **MOST RECENT SHORT SALE DATE** | **MOST RECENT DEED IN LIEU DATE** | **LEASEHOLD INDICATOR** | **QUALIFYING PAYMENT** | **TOTAL ASSETS** | **WARRANTABLE CONDO** | **MONTHS LIQUID RESERVES** | **Subject Property Address** | **Guarantor Flag** | **Borrower Income Verification** | **Co Borrower Income Verification** | **VSH Seller Indicator** | **VSH Seller Guide Method** | **VSH Validated** | **Subordinate Lien Type** | **QM Total Points and Fees** | **HOEPA Fees** | **TILA Fees** | **Cross collateralized Loan Flag** | **Borrower Country Name If Foreign National** | **Co Borrower Country Name If Foreign National** | **HOA Name** | **HOA Address State** | **Assumable Mortgage Flag** | **Buydown Flag** |
| 11/07/2022 | 628594 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Two-X Flex | XXX | XXX | XXX | N |  | Self-employed |  | 12 | Business Account | XXX_Bank Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_XXX_XXX_XXX_001.pdf<br> XXX_Bank Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_XXX_XXX_XXX_001.pdf<br> XXX_Bank Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_XXX_XXX_XXX_001.pdf<br> XXX_Bank Statement_XXX _XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_{XXX}_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_001.pdf |  | 12 Months Business Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 1980 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Consumer Purpose | 7.800% | 3480 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y | Y |  |  |  | 1 | No | XXX | XXX | XXX | 7.63% | XXX | XXX | XXX | XXX | 3/7/2022 | 3.83% | ($250.00) | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 621486 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX_001.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_XXX__{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_XXX __{Bank}_XXX_XXXX_001.pdf<br> XXX_Bank-Investment Statement_{Borrower}_XXX__{Bank}_XXX_XXX.pdf<br> XXXX_Bank-Investment Statement_{Borrower}_XXX __{Bank}_XXXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf |  |  | 60 | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 4 | 1905 | 1019 | C3 - Well maintained/normal wear and tear | 2 | 1.5 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 | No | XXX | XXX | XXX | 3.75% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 145155 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | Y | $411.00 |  |  |  |  |  |  |  |  | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 48 | 1975 | 972 | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate | 2 | 1.1 | N | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 |  | XXX | XXX | XXX | 4.13% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 618150 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen | Borrower is a US Citizen | XXX | XXX | XXX | NDM Alt Prime | XXX | XXX | XXX | Y | $436.00 | Self-employed |  | 12 | Business Account | XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__{Borrower}__XXX_XXX_XXX_XXX.pd<br> XXX_Bank Statement_{Employer}__{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XX_Bank Statement_{Employer}__{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Investment Account Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Investment Account Statement_{Borrower}_XXX_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_001.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_002.pdf | 60 | 12-month Bank Statement | 12-month Bank Statement |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 1 | 1987 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 | Y |  |  | 0 | XXX | Business Purpose | 0.000% |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 2.9 |  | XXX | XXX | XXX | 5.13% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  | No | XXX | XXX | Warrantable Condo | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 863310 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | NDM Alt Prime | XXX | XXX | XXX | N |  | Self-employed |  | 12 | Business Account | XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> 3XXX_Bank Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_001.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_002.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_003.pdf | 60 | 12-month Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 1983 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | 0 | XXX | Consumer Purpose | 5.453% |  | Non-Qualified Mortgage | Compliant | XXX | XXX |  | Y | N | Y | N |  |  | Y | Y |  |  |  | 3 |  | XXX | XXX | XXX | 5.38% | XXX | XXX | XXX | XXX | 1/17/2022 | 3.51% | ($1995.00) | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 508280 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX |  | XXX | XXX | XXX | Y | $500.00 | Self-employed |  | 12 | Business Account | XXX_Bank Statement_XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX__XXX_XXX_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_001.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_002.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_003.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_004.pdf | 60 | 12-month Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 3 | 1977 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Consumer Purpose | 4.807% | 53645 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | Y | Y | Y | N |  |  | Y | Y |  |  |  | 1.8 |  | XXX | XXX | XXX | 4.75% | XXX | XXX | XXX | XXX | 1/17/2022 | 3.51% |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 902741 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX |  | XXX | XXX | XXX | Y | $742.33 | Self-employed |  | 12 | Business Account | XXX_Bank Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_{Bank}_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_001.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_002.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_003.pdf |  | 12-month Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 | N |  |  | 0 | 3 | 2006 | 2441 | C2 - Relatively new or recently renovated property/Well Maint/No Deferred Maint | 3 | 3.1 | N | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose | 5.527% |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 2.5 |  | XXX | XXX | XXX | 5.38% | XXX | XXX | XXX | XXX | 3/7/2022 | 3.83% |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | Yes | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 476000 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX |  | XXX | XXX | XXX | N |  | Self-employed |  | 12 | Business Account | XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdfXXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_001.pdf | 120 | 12-month Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 2022 |  | C1 - Newly constructed/Not Previously Occupied |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | 0 | XXX | Consumer Purpose | 5.064% | 22510.84 | Non-Qualified Mortgage |  | XXX | XXX |  | N | N | N | Y N |  |  | Y | Y |  |  |  | 1 | No | XXX | XXX | XXX | 4.88% | XXX | XXX | XXX | XXX | 1/31/2022 | 3.61% |  | No |  |  |  | Borrower is a First Time Home Buyer |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 588026 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX |  | XXX | XXX | XXX | N |  | Self-employed |  | 12 | Business Account | XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_001.pdf | 60 | 12-month Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 1 | 1936 |  | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 | Y |  |  | 0 | XXX | Business Purpose | 4.039% |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 |  | XXX | XXX | XXX | 3.75% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower is a First Time Home Buyer |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 359911 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | NDM Alt Prime | XXX | XXX | XXX | N |  | Self-employed |  | 12 | Business Account | XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information.pdf | 60 | 12-month Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 4 |  |  |  | 0 | 0 | 1945 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Consumer Purpose | 3.825% | 39973.11 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | Y | N | Y | Y N |  |  | Y | Y |  |  |  |  | No | XXX | XXX | XXX | 3.63% | XXX | XXX | XXX | XXX | 1/10/2022 | 3.28% |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 655420 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | NDM Alt Prime | XXX | XXX | XXX | Y | $495.00 | Self-employed |  | 12 | Personal Account | XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_001.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_002.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_003.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_004.pdf |  | 12-month Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 1980 |  | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | 0 | XXX | Consumer Purpose | 4.172% | 7020 | Non-Qualified Mortgage |  | XXX | XXX |  | N | N | N | Y N |  |  | Y | Y |  |  |  | 1 | No | XXX | XXX | XXX | 3.63% | XXX | XXX | XXX | XXX | 1/3/2022 | 3.17% |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 379660 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf |  |  | 60 | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 1 | 1924 | 930 | C3 - Well maintained/normal wear and tear | 2 | 2 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 5 |  | XXX | XXX | XXX | 3.63% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 187432 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX |  | XXX | XXX | XXX | N |  | Self-employed |  | 12 | Business Account | XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX_-_XX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX_-_XX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX_-_XX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX_-_XX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX_-_XX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX_-_XX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX_-_XX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX_-_XX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX_-_XX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX_-_XX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX_-_XX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX_-_XX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_001.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_002.pdf | 120 | 12-month Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 2 | 1990 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Consumer Purpose | 3.557% | 8395 | Qualified Mortgage Safe Harbor | Compliant | XXX | XXX |  | N | N | N | N |  |  | Y | Y |  |  |  | 1 |  | XXX | XXX | XXX | 3.50% | XXX | XXX | XXX | XXX | 1/3/2022 | 3.17% | ($1875.00) | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 474165 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Streamlined | XXX | XXX | XXX | N |  | Self-employed |  | 12 | Business Account | XXX_Bank Statement_{Borrower}_{Bank}_-_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_001.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_002.pdf | 120 | 12-month Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 1 | 1974 |  | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose | 4.630% |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 |  | XXX | XXX | XXX | 4.50% | XXX | XXX | XXX | XXX | 1/31/2022 | 3.61% |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 402913 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX_{Bank}_XXX_XXX.pdf |  |  | 60 | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 4 | Y |  |  | 0 | 2 |  | 2048 |  | 4 | 4 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | 123 |  |  |  |  | 0 | 0 | 0 | Y |  |  | 1 | XXX | Business Purpose |  |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  |  |  | XXX | XXX | XXX | 3.63% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 601223 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX |  | XXX | XXX | XXX | N |  | Self-employed |  | 12 | Business Account | XXX_Bank Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Investment Account Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Investment Account Statement_{Employer}_{Bank}_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_001.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_002.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_003.pdf | 120 | 12-month Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 1951 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | 0 | XXX | Consumer Purpose | 4.537% | 15195 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y | Y |  |  |  | 3.2 |  | XXX | XXX | XXX | 4.38% | XXX | XXX | XXX | XXX | 1/3/2022 | 3.17% | ($1150.00) | No |  |  |  | Borrower is a First Time Home Buyer |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 359332 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | Y | $299.00 |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __XXX __XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __XXX __XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}__XXX_XXX __XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}__XXX_XXX __XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}__XXX_XXX __XXX_XXX.pdf |  |  | 90 | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | N |  |  | 0 | 2 | 2007 | 1429 | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate | 2 | 2 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 4.7 |  | XXX | XXX | XXX | 4.38% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 325026 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX |  | XXX | XXX | XXX | N |  | Self-employed |  | 12 | Business Account | XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_001.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_002.pdf |  | 12-month Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 1951 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 | Y |  |  | 0 | XXX | Consumer Purpose | 6.127% | 6000 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y | Y |  |  |  | 2.6 |  | XXX | XXX | XXX | 6.00% | XXX | XXX | XXX | XXX | 2/7/2022 | 3.61% | ($2803.20) | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 252314 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX |  | XXX | XXX | XXX | N |  | Self-employed |  | 12 | Business Account | XXX_Bank Statement_{Employer}__XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_BankStatement_{Employer}__XXX__XXX_XXX_XXX_XXX.pdf XXX_Bank Statement_{Employer}__XXX__XXX_XXX_XXX_XXX.pdf XXX_Bank Statement_{Employer}__XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_001.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_002.pdf | 60 | 12-month Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 1 | 1947 |  | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Consumer Purpose | 4.858% | 25044 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | Y | N | Y | N |  |  | Y | Y |  |  |  | 1 |  | XXX | XXX | XXX | 4.75% | XXX | XXX | XXX | XXX | 1/10/2022 | 3.28% | ($2325.00) | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 278943 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen | Borrower is a US Citizen | XXX | XXX | XXX |  | XXX | XXX | XXX | Y | $196.00 | Self-employed | Self-employed | 12 | Business Account | XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_XXX_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_XXX_XXX_XXX_XXX_XXX.pdf<br> XXX_Investment Account Statement_{Coborrower}_XXX_XXX_XXX.pdf<br> XXX_Investment Account Statement_{Coborrower}_XXX_XXX_XXX.pdf<br> XXX_Investment Account Statement_{Coborrower}_XXX_-_XXX.pdf<br> XXX_Investment Account Statement_{Coborrower}_XXX_XXX_XXX.pdf<br> XXX_Investment Account Statement_{Coborrower}_XXX_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_001.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_002.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_003.pdf | 120 | 12-month Bank Statement | 12-month Bank Statement |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 2003 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Consumer Purpose | 3.978% | 27975 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | Y | Y | Y | N |  |  | Y | Y |  |  |  |  |  | XXX | XXX | XXX | 3.88% | XXX | XXX | XXX | XXX | 1/3/2022 | 3.17% |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 685924 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | Y | $500.00 |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_401K.pdf |  |  | 120 | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 3 | 1977 |  | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate | 4 | 3 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 |  | XXX | XXX | XXX | 3.88% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX | Warrantable Condo | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 796580 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | Y | $343.00 |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_-.pdf |  |  | 60 | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 3 | 1972 | 1128 | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate | 2 | 1.1 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 |  | XXX | XXX | XXX | 3.88% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 409366 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen | Borrower is a US Citizen | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_{Coborrower}__{Borrower}_XXX __XXX __XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Coborrower}__{Borrower}_XXX __XXX __XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}__XXX_XXX_XXX_+.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}__XXX_Wells XXX_XXX_+.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}__XXX_Wells XXX_XXX_+.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}__XXX_Wells XXX_XXX_+.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}__XXX_Wells XXX_XXX_+.pdf |  |  |  | DSCR | DSCR |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 2 | 1955 | 1379 | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate | 3 | 2 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 2.6 |  | XXX | XXX | XXX | 4.13% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 199966 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | Y | $250.00 |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_-.pdf |  |  | 120 | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | N |  |  | 0 | 3 | 1979 | 913 | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate | 2 | 2 | N | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 |  | XXX | XXX | XXX | 3.88% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX | Warrantable Condo | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 513082 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen | Borrower is a US Citizen | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}__{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX_XXX_XXX_XXX.pdf |  |  | 60 | DSCR | DSCR |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 3 | 1964 | 2364 | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate | 5 | 3 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 | No | XXX | XXX | XXX | 3.75% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 156004 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX |  | XXX | XXX | XXX | Y | $114.00 | Self-employed |  | 12 | Personal Account | XXX_Bank Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_001.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_002.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_003.pdf | 60 | 12-month Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 8 | 1987 |  | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Consumer Purpose | 4.245% | 39720 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | Y N |  |  | Y | Y |  |  |  | 3.8 |  | XXX | XXX | XXX | 4.00% | XXX | XXX | XXX | XXX | 1/31/2022 | 3.61% |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 812050 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf |  |  | 60 | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 3 | 2016 | 8145 | C2 - Relatively new or recently renovated property/Well Maint/No Deferred Maint | 8 | 8.1 | N | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  |  | No | XXX | XXX | XXX | 3.75% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 224365 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_XXX __{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}_XXX_XXX_XXX.pdf |  |  | 60 | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 3 | 2000 | 3149 | C3 - Well maintained/normal wear and tear | 5 | 3.1 | N | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Predates Rule | N | N |  |  |  | 1 |  | XXX | XXX | XXX | 3.75% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 105805 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_XXX __XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __XXX_{Bank}_XXX_XXX.pdf |  |  | 60 | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 3 | 2003 | 3846 | C3 - Well maintained/normal wear and tear | 4 | 3 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 | No | XXX | XXX | XXX | 3.75% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 428546 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_XXX __{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}_XXX_XXX_XXX.pdf |  |  | 60 | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 3 | 2005 | 3633 | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate | 5 | 3.5 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 2.6 |  | XXX | XXX | XXX | 3.75% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower is a First Time Home Buyer |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 640846 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | Y | $226.00 |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf |  |  |  | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 0 | 2021 | 2469 | C2 - Relatively new or recently renovated property/Well Maint/No Deferred Maint | 4 | 3.1 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 |  | XXX | XXX | XXX | 4.75% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX | Warrantable Condo | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 470002 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf |  |  | 120 | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 2 | Y |  |  | 0 | 1 | 1957 | 2440 | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate | 5 | 4 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  |  |  | XXX | XXX | XXX | 3.88% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 894018 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | Y | $150.00 |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf |  |  | 60 | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 1 | 1995 | 1696 | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate | 4 | 2.1 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 4 |  | XXX | XXX | XXX | 4.75% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 121260 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | NDM Alt Prime | XXX | XXX | XXX | N |  | Self-employed |  | 12 | Personal Account | XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __XXX __XXX_XXX_XXX_XXX.pdf<br> XXX_Investment Account Statement_XXX __XXX_{Bank}_XXX_XXX.pdf<br> XXX_Investment Account Statement_XXX __XXX_{Bank}_XXX_XXX.pdf<br> XXX_Investment Account Statement_XXX__XXX_XXX_-_XXX_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_001.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_002.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_003.pdf | 60 | 12-month Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 2006 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | 0 | XXX | Consumer Purpose | 4.856% | 10575 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | Y | Y | N |  |  | Y | Y |  |  |  | 1 |  | XXX | XXX | XXX | 4.63% | XXX | XXX | XXX | XXX | 1/10/2022 | 3.28% |  | No |  |  |  | Borrower is a First Time Home Buyer |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 116729 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen | Borrower is a US Citizen | XXX | XXX | XXX | NDM Alt Prime | XXX | XXX | XXX | Y | $795.00 | Commissioned Employee |  | 12 | Personal Account | XXX_Bank Statement_{Borrower}__{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__{Coborrower}_{Bank}_XXX_XXX.pdf<br> XX_Bank Statement_{Borrower}__{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__{Coborrower}_{Bank}_XXX_XXXX.pdf<br> XXXX_Bank Statement_{Borrower}__{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXXX_Bank Statement_{Borrower}__{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__{Coborrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_001.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_002.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_003.pdf | 120 | 12-month Bank Statement | 12-month Bank Statement |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 1975 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | 67 |  |  |  |  | 0 | 0 | 0 | Y |  |  | 1 | XXX | Consumer Purpose | 4.235% | 16363.75 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | Y | N | Y | N |  |  | Y | Y |  |  |  | 1 |  | XXX | XXX | XXX | 4.13% | XXX | XXX | XXX | XXX | 1/10/2022 | 3.28% |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years | Borrower has prior home ownership experience within the past 3 years | 3/8/2016 | Chapter 7 | 6/1/2016 |  |  |  | No | XXX | XXX | Warrantable Condo | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 141456 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 4 | 1984 | 1824 | C3 - Well maintained/normal wear and tear | 3 | 2 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 |  | XXX | XXX | XXX | 4.63% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 933786 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX |  | XXX | XXX | XXX | Y | $524.00 | Salaried Employee |  |  |  | XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX, XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX, XXX_XXX.pdf<br> XXX_Investment Account Statement_{Borrower}_{Employer}_-_XXX.pdf<br> XXX_Investment Account Statement_{Borrower}_{Employer}_-_XXX.pdf | XXX_W2_{Borrower}_{Employer}_XXX.pdf<br> XXX_W2_{Borrower}_{Employer}_XXX.pdf | XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_001.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_002.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_003.pdf | 60 | Full Documentation |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 1 | 2007 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Consumer Purpose | 4.868% |  | Non-Qualified Mortgage | Compliant | XXX | XXX |  | Y | N | Y | N |  |  | Y | Y |  |  |  | 2.6 |  | XXX | XXX | XXX | 4.63% | XXX | XXX | XXX | XXX | 3/7/2022 | 3.83% | ($0.10) | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX | Warrantable Condo | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 451924 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Coborrower}_{Bank}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Coborrower}_{Bank}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Coborrower}_{Bank}_XX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Coborrower}_{Bank}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Coborrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Coborrower}_Robinhood_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Coborrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Coborrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Coborrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX __XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __XXX_XXX_XXX_XXX.pdf |  |  | 60 | DSCR | DSCR |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 1 | 1946 | 1905 | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate | 5 | 2 | N | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1.6 |  | XXX | XXX | XXX | 5.88% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 731752 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 2 | Y |  |  | 0 | 1 | 1958 | 1290 | C3 - Well maintained/normal wear and tear | 3 | 2 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  |  | No | XXX | XXX | XXX | 3.75% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 526249 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_XXX_{Bank}_XXX_7021.pdf<br> XXX_Bank-Investment Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX_{Bank}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX_{Bank}_XXX_XXX.pdf |  |  | 60 | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 5 | 1997 | 1053 | C3 - Well maintained/normal wear and tear | 2 | 1 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 |  | XXX | XXX | XXX | 4.50% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 338741 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | Y | $42.00 |  |  |  |  |  |  |  |  | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 2 | 2006 | 2056 | C3 - Well maintained/normal wear and tear | 4 | 3 | N | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 |  | XXX | XXX | XXX | 3.88% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 334788 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 2 | N |  |  | 0 | 2 | 1974 | 1477 | C3 - Well maintained/normal wear and tear | 5 | 2 | N | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  |  |  | XXX | XXX | XXX | 4.13% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 220004 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | NDM Alt Prime | XXX | XXX | XXX | N |  | Self-employed |  | 12 | Business Account | XXX_Bank Statement_XXX __{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __{Borrower}__XXX_XXX_XXX_XXX.pdf |  |  | 60 | 12-month Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 3 | 1980 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Consumer Purpose | 5.750% |  | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y | Y |  |  |  | 1 | No | XXX | XXX | XXX | 5.75% | XXX | XXX | XXX | XXX | 2/7/2022 | 3.61% | ($18.00) | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 221853 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 2 | Y |  |  | 0 | 2 | 1973 | 1400 | C3 - Well maintained/normal wear and tear | 4 | 2 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  |  |  | XXX | XXX | XXX | 4.63% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 947619 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 7 | 1970 | 1233 | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate | 3 | 1.1 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 4.7 |  | XXX | XXX | XXX | 6.38% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 667348 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 7 | 1975 | 1512 | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate | 3 | 2.1 | N | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1.9 |  | XXX | XXX | XXX | 6.38% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 445743 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | Y | $180.00 |  |  |  |  |  |  |  |  | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 0 | 1979 | 894 | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate | 2 | 2 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 |  | XXX | XXX | XXX | 5.13% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX | Warrantable Condo | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 130491 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 2 | 1997 | 1883 | C3 - Well maintained/normal wear and tear | 4 | 3 | N | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 |  | XXX | XXX | XXX | 3.88% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 394973 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen | Borrower is a US Citizen | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_XXX_{Bank}_XXX_XXX.pdf |  |  | 30 | DSCR | DSCR |  |  | XXX | XXX | XXX | XXX |  | 3 | Y |  |  | 0 | 7 | 1970 | 1709 | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate | 3 | 3 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt | Non-Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  |  | No | XXX | XXX | XXX | 4.13% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 680384 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen | Borrower is a US Citizen | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf |  |  | 30 | DSCR | DSCR | DSCR |  | XXX | XXX | XXX | XXX |  | 2 | Y |  |  | 0 | 7 | 1981 | 2248 | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate | 4 | 2.2 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 | Y |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  |  |  | XXX | XXX | XXX | 4.38% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 357675 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | NDM Alt Prime | XXX | XXX | XXX | N |  | Self-employed |  | 12 | Business Account | XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf |  |  | 60 | 12-month Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 1947 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | 0 | XXX | Consumer Purpose | 3.822% | 5258.75 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y | Y |  |  |  | 2.6 | No | XXX | XXX | XXX | 3.75% | XXX | XXX | XXX | XXX | 12/27/2021 | 3.10% | ($27.50) | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 769092 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 0 | 1900 | 1200 | C3 - Well maintained/normal wear and tear | 3 | 2 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 |  | XXX | XXX | XXX | 3.99% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 907467 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | Y | $559.00 |  |  |  |  | XXX_Bank-Investment Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf |  |  |  | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 0 | 1981 | 1440 | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate | 3 | 2.1 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 | No | XXX | XXX | XXX | 4.50% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX | Warrantable Condo | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 109086 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen | Borrower is a US Citizen | XXX | XXX | XXX |  | XXX | XXX | XXX | N |  | Self-employed |  | 12 | Business Account | XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf |  |  |  | 12-month Bank Statement | 12-month Bank Statement |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 2021 |  | C1 - Newly constructed/Not Previously Occupied |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Consumer Purpose | 3.958% | 5500 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y | Y |  |  |  | 1 |  | XXX | XXX | XXX | 3.88% | XXX | XXX | XXX | XXX | 1/3/2022 | 3.17% | ($8.00) | No |  |  |  | Borrower has prior home ownership experience within the past 3 years | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 336214 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | N |  |  | 0 | 14 | 1974 | 5356 | C3 - Well maintained/normal wear and tear | 8 | 3.1 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 2.6 |  | XXX | XXX | XXX | 4.50% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 486060 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 3 | 1963 | 1869 | C3 - Well maintained/normal wear and tear | 3 | 2.1 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 |  | XXX | XXX | XXX | 3.75% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 357472 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX |  | XXX | XXX | XXX | N |  | Self-employed |  | 12 | Business Account | XXX_Bank Statement_{Employer}__{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__{Borrower}_{Bank}_XXX_XXX.pdf |  |  |  | 12-month Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 1970 |  | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Consumer Purpose | 4.324% | 2511.25 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y | Y |  |  |  | 1.2 |  | XXX | XXX | XXX | 4.25% | XXX | XXX | XXX | XXX | 1/10/2022 | 3.28% |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 102244 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 2 | Y |  |  | 0 | 1 | 1938 | 1499 | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate | 3 | 2 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  | 76 |  |  |  | 0 | 0 | 0 |  |  |  | 1 | XXX | Business Purpose |  |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  |  |  | XXX | XXX | XXX | 3.88% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  | 2/1/2016 | Chapter 13 | 9/1/2015 |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 355485 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen | Borrower is a US Citizen | XXX | XXX | XXX | Streamlined | XXX | XXX | XXX | N |  | Self-employed | Fixed Income | 12 | Business Account | XXX_Bank Statement_{Coborrower}__{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_XXX_XXX_XXX.pdf |  |  |  | 12-month Bank Statement | 12-month Bank Statement |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 2017 |  | C2 - Relatively new or recently renovated property/Well Maint/No Deferred Maint |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Consumer Purpose | 3.737% | 1350 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y | Y |  |  |  | 3.1 |  | XXX | XXX | XXX | 3.63% | XXX | XXX | XXX | XXX | 1/10/2022 | 3.28% | ($303.26) | No |  |  |  | Borrower has prior home ownership experience within the past 3 years | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 888831 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX_XXX.pdf |  |  | 60 | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 21 | 1951 | 1089 | C3 - Well maintained/normal wear and tear | 2 | 1 | N | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1.6 |  | XXX | XXX | XXX | 3.75% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 448523 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX |  | XXX | XXX | XXX | Y | $83.33 | Self-employed |  | 24 | Business Account | XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX_XXX.pdf | XXX_W2_XXX_XXX_XXX.pdf<br> XXX_W2_{Borrower}_{Employer}_XXX.pdf<br> XXX_W2_{Borrower}_{Employer}_XXX.pdf<br> XXX_W2_{Borrower}_{Employer}_XXX.pdf<br> XXX_W2 Transcripts_-_XXX.pdf<br> XXX_W2 Transcripts_XXX_XXX.pdf<br> XXX_W2 Transcripts_XXX_XXX.pdf |  | 120 | 12-month Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 2 | 2007 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Consumer Purpose | 4.194% |  | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | Y | Y | N |  |  | Y | Y |  |  |  | 2.2 |  | XXX | XXX | XXX | 4.13% | XXX | XXX | XXX | XXX | 1/10/2022 | 3.28% | ($27.00) | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 554354 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}__XXX __XXX_XXX_XXX_XXX._XXX+.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX __XXX_XXX_XXX_XXX_XXX+.pdf |  |  | 60 | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 21 | 1951 | 1325 | C3 - Well maintained/normal wear and tear | 3 | 2 | N | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1.1 |  | XXX | XXX | XXX | 3.75% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 485873 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}__XXX__XXX_XXX_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX__XXX_XXX_XXX_XXX_XXX_XXX.pdf |  |  | 60 | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 21 | 1944 | 1461 | C3 - Well maintained/normal wear and tear | 4 | 2 | N | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 | No | XXX | XXX | XXX | 3.75% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 775668 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_XXX _XXX_XXX.pdf |  |  | 60 | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 19 | 1944 | 1461 | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate | 5 | 2 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 | Y |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 | No | XXX | XXX | XXX | 3.75% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 387133 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Streamlined | XXX | XXX | XXX | N |  | Self-employed |  |  |  | XXX_Bank Statement_{Employer}__XXX_XXX __XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}__XXX_XXX_XXX_XXX.pdf |  |  |  | 12-month Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 1984 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Consumer Purpose | 4.250% |  | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y | Y |  |  |  | 2.6 |  | XXX | XXX | XXX | 4.25% | XXX | XXX | XXX | XXX | 1/17/2022 | 3.51% | ($100.00) |  |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 152447 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a Resident Alien - proof of status provided |  | XXX | XXX | XXX |  | XXX | XXX | XXX | N |  | Self-employed |  | 12 | Business Account | XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf |  |  |  | 12-month Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 1952 |  | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Consumer Purpose | 4.990% |  | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y | Y |  |  |  | 2.2 | No | XXX | XXX | XXX | 4.99% | XXX | XXX | XXX | XXX | 1/17/2022 | 3.51% |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 865367 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX |  | XXX | XXX | XXX | Y | $1959.46 | Other |  |  |  | XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf |  |  | 60 | Asset Qualifier |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 1974 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Consumer Purpose | 3.990% |  | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y | Y |  |  |  | 1 |  | XXX | XXX | XXX | 3.99% | XXX | XXX | XXX | XXX | 1/17/2022 | 3.51% |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 852807 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf |  |  |  | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 3 | 1959 | 1014 | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate | 3 | 1 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1.1 |  | XXX | XXX | XXX | 4.13% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 609613 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | Y | $60.00 |  |  |  |  |  |  |  |  | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 0 | 1987 | 992 | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate | 2 | 2 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 |  | XXX | XXX | XXX | 5.38% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 290689 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen | Borrower is a US Citizen | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | Y | $420.00 |  |  |  |  | XXX_Bank-Investment Statement_{Coborrower}__XXX - CUSTODIAN_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __{Coborrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __{Coborrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __XXX_{Bank}_XXX_XXX.pdf |  |  | 60 | DSCR | DSCR |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 1 | 1976 | 1804 | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate | 3 | 2.1 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 | No | XXX | XXX | XXX | 4.75% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 818339 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Streamlined | XXX | XXX | XXX | N |  | Self-employed |  | 12 | Business Account | XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf |  |  | 120 | 12-month Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 1 | 1960 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Consumer Purpose | 3.840% | 1125 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y | Y |  |  |  | 3.6 |  | XXX | XXX | XXX | 3.75% | XXX | XXX | XXX | XXX | 1/17/2022 | 3.51% |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 563410 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}_-_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_-_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_-_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_-_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_-_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_-_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_-_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_-_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_-_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_-_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf |  |  | 120 | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 2 | Y |  |  | 0 | 1 | 1950 | 1154 | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate | 2 | 2 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  |  | No | XXX | XXX | XXX | 5.99% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 633034 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX_{Bank}_XXX_XXX.pdf |  |  |  | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 4 | 1933 | 1443 | C3 - Well maintained/normal wear and tear | 2 | 1 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 2 |  | XXX | XXX | XXX | 3.75% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 786484 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXXX_Bank-Investment Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf |  |  | 30 | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 1 | 1989 | 1732 | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate | 3 | 2 | N | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 2.6 | No | XXX | XXX | XXX | 3.75% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 356134 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf |  |  | 60 | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 3 | 1945 | 1125 | C2 - Relatively new or recently renovated property/Well Maint/No Deferred Maint | 3 | 2 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 | No | XXX | XXX | XXX | 5.63% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 867438 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf |  |  | 120 | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | N |  |  | 0 | 3 | 1945 | 1237 | C2 - Relatively new or recently renovated property/Well Maint/No Deferred Maint | 3 | 2 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1.2 | No | XXX | XXX | XXX | 5.75% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 146291 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen | Borrower is a US Citizen | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  |  |  |  |  | DSCR | DSCR |  |  | XXX | XXX | XXX | XXX |  | 3 | Y |  |  | 0 | 3 | 1942 | 2362 | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate | 4 | 3 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  |  |  | XXX | XXX | XXX | 4.88% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 892415 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> 6100295646_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX.pdf |  |  | 60 | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | N |  |  | 0 | 0 | 1951 | 1138 | C3 - Well maintained/normal wear and tear | 2 | 1 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 |  | XXX | XXX | XXX | 4.25% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 911395 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX_{Bank}_XXX_XXX.pdf |  |  |  | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 0 | 1943 | 912 |  | 3 | 1 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  |  |  | XXX | XXX | XXX | 4.63% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 785942 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen | Borrower is a US Citizen | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  |  |  |  |  | DSCR | DSCR |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 2 | 1989 | 1470 | C3 - Well maintained/normal wear and tear | 4 | 2 | N | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 |  | XXX | XXX | XXX | 4.50% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 513767 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX_XXX_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf | 60 | DSCR < 1.00 | DSCR < 1.00 |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 5 | 2004 | 1238 | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate | 3 | 2 | N | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 2.6 | No | XXX | XXX | XXX | 5.75% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 647210 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX_XXX_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf | 60 | DSCR >= 1.00 | DSCR >= 1.00 |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 5 | 1998 | 1288 | C3 - Well maintained/normal wear and tear | 4 | 3 | N | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 | Y |  |  | 0 | XXX | Business Purpose | 0.000% |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 |  | XXX | XXX | XXX | 5.50% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 340446 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | NDM Alt Prime | XXX | XXX | XXX | Y | $155.00 | Self-employed |  | 24 | Business Account |  |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf | 60 | 24 Months Business Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 2022 |  | C1 - Newly constructed/Not Previously Occupied |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | 0 | XXX | Consumer Purpose | 7.809% | 14711.78 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | Y | Y | N |  |  | Y | Y |  |  |  | 1.1 |  | XXX | XXX | XXX | 7.50% | XXX | XXX | XXX | XXX | 3/14/2022 | 3.92% | ($114.47) | No |  |  |  | Borrower is a First Time Home Buyer |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 196691 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Not used | Borrower is a Foreign National - missing evidence of legal residency. |  | XXX | XXX | XXX |  | XXX | XXX | XXX | N |  | Salaried Employee |  |  |  | XXX_Bank Statement_XXX __XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __XXX_{Bank}_XXX_XXX.pdf | XXX_W2_XXX_{Employer}_XXX.pdf<br> XXX_W2_XXX_{Employer}_XXX.pdf | XXX_1040 Tax Return_XXX_XXX_XXX.pdf<br> XXX_1040 Tax Return_XXX_XXX_XXX.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Tax Return Transcripts_XXX_XXX.pdf<br> XXX_Tax Return Transcripts_XXX_XXX.pdf | 60 | Full Documentation |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 1954 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | 0 | XXX | Consumer Purpose | 6.708% | 9823.63 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y | Y |  |  |  |  |  | XXX | XXX | XXX | 6.43% | XXX | XXX | XXX | XXX | 2/7/2022 | 3.61% | ($136.50) | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 186277 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX |  | XXX | XXX | XXX | Y | $41.67 | Commissioned Employee |  | 12 | Business Account | XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf | 60 | 12 Months Business Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 2022 |  | C1 - Newly constructed/Not Previously Occupied |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  | Y |  |  | 0 | XXX | Consumer Purpose | 9.030% | 8703.2 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y | Y |  |  |  | 1 | No | XXX | XXX | XXX | 8.75% | XXX | XXX | XXX | XXX | 5/2/2022 | 5.17% | ($90.00) | No |  |  |  | Borrower is a First Time Home Buyer |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 890236 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | NDM Alt Prime | XXX | XXX | XXX | N |  | Self-employed |  | 24 | Business Account | XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_001.pdf | 120 | 24 Months Business Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 1 | 1981 |  | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Consumer Purpose | 7.053% | 6065 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | Y | Y | N |  |  | Y | Y |  |  |  | 2 |  | XXX | XXX | XXX | 6.75% | XXX | XXX | XXX | XXX | 3/28/2022 | 4.49% | ($3399.88) | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 520069 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_-_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX_XXX_XXX_XX.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}_XXX_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf | 60 | DSCR >= 1.00 |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 1 | 2000 | 1311 | C3 - Well maintained/normal wear and tear | 3 | 2 | N | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 2.6 |  | XXX | XXX | XXX | 7.88% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 918154 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX |  | XXX | XXX | XXX | Y | $70.00 |  |  |  |  | XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdff<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_XXX_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf | 120 | 12 Months Business Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 1995 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | 45 |  |  |  |  |  |  |  | Y |  |  | 1 | XXX | Consumer Purpose | 6.782% | 15840 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y | Y |  |  |  |  |  | XXX | XXX | XXX | 6.75% | XXX | XXX | XXX | XXX | 2/14/2022 | 3.76% | ($589.25) | No |  |  |  | Borrower is a First Time Home Buyer |  | 1/1/2018 | Chapter 7 | 5/3/2018 |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 857586 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX |  | XXX | XXX | XXX | N |  | Salaried Employee |  |  |  | XXX_Bank Statement_XXX __XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __XXX_XXX_XXX_XXX.pdf<br> XXX_Investment Account Statement_XXX_XXX_-_XXX.pdf<br> XXX_Investment Account Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Investment Account Statement_XXX_XXX_-_XXX.pdf<br> XXX_Investment Account Statement_XXX_-_XXX.pdf | XXX_W2_XXX_{Employer}_XXX.pdf<br> XXX_W2_XXX_{Employer}_XXX.pdf | XXX_Borrower Consent to the Use of Tax Return Information.pdf | 60 | Full Documentation |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 1944 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | 0 | XXX | Consumer Purpose | 6.053% | 20030 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y | Y |  |  |  | 1 | No | XXX | XXX | XXX | 5.88% | XXX | XXX | XXX | XXX | 3/14/2022 | 3.92% | ($2865.25) | No |  |  |  | Borrower is a First Time Home Buyer |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 679731 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a Resident Alien - missing evidence of legal residency. |  | XXX | XXX | XXX |  | XXX | XXX | XXX | Y | $73.00 | Self-employed |  | 12 | Business Account | XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdff<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf | 60 | 12 Months Business Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 1 | 2018 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Consumer Purpose | 5.553% | 12710 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y | Y |  |  |  | 1 | No | XXX | XXX | XXX | 5.38% | XXX | XXX | XXX | XXX | 3/7/2022 | 3.83% | ($5112.00) | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 216696 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX |  | XXX | XXX | XXX | N |  | Self-employed |  | 12 | Business Account | XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf | XXX_W2_{Borrower}_XXX_XXX.pdf | XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_001.pdf | 120 | 12 Months Business Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 1942 |  | C2 - Relatively new or recently renovated property/Well Maint/No Deferred Maint |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  | Y |  |  | 0 | XXX | Consumer Purpose | 6.870% | 4438.75 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y | Y |  |  |  | 2.6 |  | XXX | XXX | XXX | 6.75% | XXX | XXX | XXX | XXX | 3/14/2022 | 3.92% | ($95.00) | No |  |  |  | Borrower is a First Time Home Buyer |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 849746 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen | Borrower is a US Citizen | XXX | XXX | XXX | Streamlined | XXX | XXX | XXX | Y | $6.25 | Self-employed | Self-employed | 24 | Business Account | XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}_{Bank}_XX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_001.pdf | 60 | 24 Months Business Bank Statement | 24 Months Business Bank Statement |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 1976 |  | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | 0 | XXX | Consumer Purpose | 7.835% | 7928.13 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | Y | Y | Y N |  |  | Y | Y |  |  |  | 1 | No | XXX | XXX | XXX | 7.38% | XXX | XXX | XXX | XXX | 4/25/2022 | 5.18% | ($55.10) | No |  |  |  | Borrower has prior home ownership experience within the past 3 years | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 560597 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX |  | XXX | XXX | XXX | N |  | Self-employed |  | 12 | Business Account | XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf | 120 | 12 Months Business Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 2 |  |  |  | 0 | 3 | 1961 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Consumer Purpose | 6.467% |  | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y | Y |  |  |  | 1.8 |  | XXX | XXX | XXX | 6.25% | XXX | XXX | XXX | XXX | 3/7/2022 | 3.83% |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  | 5/30/2017 |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 954528 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a Resident Alien - proof of status provided |  | XXX | XXX | XXX |  | XXX | XXX | XXX | N |  | Self-employed |  |  |  | XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf |  | XXX_1040 Tax Return_{Borrower}_-_XXX.pdf<br> XXX_1040 Tax Return_{Borrower}_-_XXX_XXX.pdf<br> XXX_1040 Tax Return_{Borrower}_-_XXX.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Tax Return Transcripts_XXX_XXX.pdf<br> XXX_Tax Return Transcripts_XXX_XXX_XXX.pdf | 60 | Full Doc - 1 yr |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 1994 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | 0 | XXX | Consumer Purpose | 7.119% | 9028 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | Y | Y | N |  |  | Y | Y |  |  |  | 2.1 |  | XXX | XXX | XXX | 6.88% | XXX | XXX | XXX | XXX | 3/14/2022 | 3.92% |  | No |  |  |  | Borrower is a First Time Home Buyer |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 442448 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | NDM Alt Prime | XXX | XXX | XXX | N |  | Self-employed |  | 12 | Business Account | XXX_Bank Statement_-_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_-_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_-_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_-_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_-_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_-_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_-_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf | 120 | 12 Months Business Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 6 | 2019 |  | C2 - Relatively new or recently renovated property/Well Maint/No Deferred Maint |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Consumer Purpose | 5.493% |  | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | Y | Y | N |  |  | Y | Y |  |  |  | 4.8 | No | XXX | XXX | XXX | 5.38% | XXX | XXX | XXX | XXX | 3/21/2022 | 4.23% |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 240656 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX |  | XXX | XXX | XXX | Y | $372.00 | Self-employed |  |  |  | XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf | XXX_W2 Transcripts_-_XXX.pdf<br> XXX_W2 Transcripts_XXX_XXX.pdf | XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_001.pdf | 120 | 1099 - 2 years |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 2022 |  | C1 - Newly constructed/Not Previously Occupied |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  | Y |  |  | 0 | XXX | Consumer Purpose | 6.580% | 1641.17 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y | Y |  |  |  | 2.6 |  | XXX | XXX | XXX | 6.50% | XXX | XXX | XXX | XXX | 4/4/2022 | 4.74% |  | No |  |  |  | Borrower is a First Time Home Buyer |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 959529 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a Resident Alien - missing evidence of legal residency. |  | XXX | XXX | XXX |  | XXX | XXX | XXX | N |  | Self-employed |  | 12 | Business Account | XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX __XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX_XXX_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf | 60 | 12 Months Business Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 1980 |  | C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Consumer Purpose | 6.675% | 6271.87 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y | Y |  |  |  |  |  | XXX | XXX | XXX | 6.48% | XXX | XXX | XXX | XXX | 3/14/2022 | 3.92% | ($841.53) | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 862016 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  |  |  |  | 60 | DSCR |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 1 | 1963 | 2490 | C3 - Well maintained/normal wear and tear | 4 | 3.1 | N | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 | No | XXX | XXX | XXX | 7.75% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 276167 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen | Borrower is a US Citizen | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | Y | $157.67 |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_-.pdf<br> XXX_Bank-Investment Statement_{Coborrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Coborrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Coborrower}_XXX __{Bank}_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Coborrower}_XXX __{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Coborrower}_XXX __{Bank}_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf | 60 | DSCR < 1.00 | DSCR < 1.00 |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 1 | 1996 | 1608 | C2 - Relatively new or recently renovated property/Well Maint/No Deferred Maint | 3 | 2 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1.4 | No | XXX | XXX | XXX | 8.38% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 218523 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | Y | $52.08 |  |  |  |  | XXX_Bank-Investment Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX__XXX_{Bank}_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf | 60 | DSCR >= 1.00 |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 8 | 2021 | 2791 | C1 - Newly constructed/Not Previously Occupied | 5 | 3.5 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 | No | XXX | XXX | XXX | 5.50% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 665708 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | Y | $54.17 |  |  |  |  | XXX_Bank-Investment Statement_XXX __{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}_XXX_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf | 60 | DSCR >= 1.00 |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 8 | 2022 | 2816 | C1 - Newly constructed/Not Previously Occupied | 5 | 3.5 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 | No | XXX | XXX | XXX | 5.50% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 112605 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | Y | $50.00 |  |  |  |  | XXX_Bank-Investment Statement_XXX __{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX__XXX_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_001.pdf | 60 | DSCR >= 1.00 |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 8 | 2021 | 2313 | C1 - Newly constructed/Not Previously Occupied | 4 | 2.5 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 | No | XXX | XXX | XXX | 5.50% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 191091 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf | 60 | DSCR >= 1.00 |  |  |  | XXX | XXX | XXX | XXX |  | 2 | Y |  |  | 0 | 1 |  | 2576 |  | 6 | 2 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  |  |  | XXX | XXX | XXX | 5.88% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 332669 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Coborrower}_{Bank}_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf | 60 | DSCR >= 1.00 | DSCR >= 1.00 |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 2 | 1925 | 1256 | C3 - Well maintained/normal wear and tear | 3 | 1 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 |  | XXX | XXX | XXX | 6.88% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 837123 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | Y | $100.00 |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf |  | DSCR >= 1.00 |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 11 | 2021 | 2322 | C1 - Newly constructed/Not Previously Occupied | 4 | 2.1 | N | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 3 | No | XXX | XXX | XXX | 5.50% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 192880 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | Y | $66.67 |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_{Bank}_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_001.pdf | 60 | DSCR >= 1.00 |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 10 | 2022 | 2734 | C1 - Newly constructed/Not Previously Occupied | 5 | 3.5 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 | No | XXX | XXX | XXX | 5.50% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 234120 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | Y | $54.17 |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf | 60 | DSCR >= 1.00 |  |  |  | XXX | XXX | XXX | XXX |  | 1 | N |  |  | 0 | 10 | 2022 | 2388 | C1 - Newly constructed/Not Previously Occupied | 4 | 2.1 | N | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 |  | XXX | XXX | XXX | 5.50% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 728679 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Streamlined | XXX | XXX | XXX | N |  | Self-employed |  | 12 | Business Account | XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdff<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf |  | XXX_1040 Tax Return_{Borrower}_-_XXX.pdf<br> XXX_1040 Tax Return_{Borrower}_-_XXX_XXX_XXX_XXX.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information.pdf | 120 | 12 Months Business Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 1959 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Consumer Purpose | 7.688% | 7244.84 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | Y | Y | N |  |  | Y | Y |  |  |  | 4.7 | No | XXX | XXX | XXX | 7.50% | XXX | XXX | XXX | XXX | 5/23/2022 | 5.33% |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 649230 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX |  | XXX | XXX | XXX | N |  | Self-employed |  | 24 | Business Account | XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_XXX_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf | 90 | 24 Months Business Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 1948 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Consumer Purpose | 7.016% | 12272.6 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y | Y |  |  |  | 3.4 |  | XXX | XXX | XXX | 6.75% | XXX | XXX | XXX | XXX | 5/9/2022 | 5.35% | ($476.20) | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 956003 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | Y | $407.00 |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf | 60 | DSCR >= 1.00 |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 3 | 2004 | 1426 | C3 - Well maintained/normal wear and tear | 3 | 2 | N | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 | No | XXX | XXX | XXX | 7.13% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 241773 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX |  | XXX | XXX | XXX | N |  | Salaried Employee |  |  |  | XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf | XXX_W2_{Borrower}_{Employer}_XXX.pdf<br> XXX_W2_{Borrower}_{Employer}_XXX.pdf | XXX_Borrower Consent to the Use of Tax Return Information.pdf | 30 | Full Documentation |  |  |  | XXX | XXX | XXX | XXX |  | 2 |  |  |  | 0 | 0 | 1910 |  | C2 - Relatively new or recently renovated property/Well Maint/No Deferred Maint |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | 0 | XXX | Business Purpose | 0.000% |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  |  |  | XXX | XXX | XXX | 8.25% | XXX | XXX | XXX | XXX |  |  | ($5855.00) | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 141745 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | Y | $35.42 |  |  |  |  | XXX_Bank-Investment Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX __{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX. __XXX_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_XXX. __XXX_{Bank}_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf | 60 | DSCR >= 1.00 |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 1 | 2022 | 1903 | C1 - Newly constructed/Not Previously Occupied | 4 | 2 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 2.6 |  | XXX | XXX | XXX | 5.75% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 745130 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen | Borrower is a US Citizen | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | Y | $66.67 |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}__{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Coborrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Coborrower}_{Bank}_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Tax Return K1.pdf | 60 | DSCR >= 1.00 | DSCR >= 1.00 | DSCR >= 1.00 |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 9 | 2021 | 2808 | C1 - Newly constructed/Not Previously Occupied | 4 | 3.1 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt | Non-Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 | No | XXX | XXX | XXX | 5.63% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 833028 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX |  | XXX | XXX | XXX | N |  | Self-employed |  | 12 | Business Account | XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_001.pdf | 120 | 12 Months Business Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 1971 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | 0 | XXX | Consumer Purpose | 7.564% | 7001.24 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y | Y |  |  |  |  |  | XXX | XXX | XXX | 7.38% | XXX | XXX | XXX | XXX | 4/4/2022 | 4.74% | ($0.74) | No |  |  |  | Borrower is a First Time Home Buyer |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 781256 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen | Borrower is a US Citizen | XXX | XXX | XXX |  | XXX | XXX | XXX | Y | $672.50 | Self-employed |  |  |  | XXX_Bank Statement_{Coborrower}__{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Coborrower}__{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Investment Account Statement_{Coborrower}_XXX_XXX_XXX.pdf<br> XXX_Investment Account Statement_{Coborrower}_XXX_XXX_XXX.pdf<br> 122097017200_Investment Account XXX_Investment Account Statement_{Coborrower}_XXX_XXX_XXX.pdf<br> XXX_Investment Account Statement_{Coborrower}_XXX_XXX_XXX.pdf | XXX_W2 Transcripts_-_XXX.pdf<br> XXX_W2 Transcripts_XXX_XXX.pdf | XXX_Borrower Consent to the Use of Tax Return Information.pdf | 60 | 1099 - 2 years | 1099 - 2 years |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 1974 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose | 0.000% |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  |  | No | XXX | XXX | XXX | 7.85% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 821281 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf<br> XXX_Borrower Consent to the Use of Tax Return Information_001.pdf<br> XXX_Tax Return 1040_{Borrower}_-_XXX.pdf<br> XXX_Tax Return 1040_{Borrower}_-_XXX_XXX.pdf<br> XXX_Tax Return 1040_{Borrower}_-_XXX.pdf<br> XXX_Tax Return 1040_{Borrower}_-_XXX_XXX.pdf | 60 | DSCR >= 1.00 |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 2 | 1973 | 1085 | C3 - Well maintained/normal wear and tear | 3 | 1.5 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 | No | XXX | XXX | XXX | 8.10% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 781505 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | NDM Alt Prime | XXX | XXX | XXX | Y | $50.00 | Self-employed |  | 24 | Business Account | XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Investment Account Statement_XXX __XXX_XXX_XXX_XXX.pdf<br> XXX_Investment Account Statement_{Borrower}__XXX_XXX_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf | 60 | 12 Months Business Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 2 | 1984 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Consumer Purpose | 8.908% | 6215 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y | Y |  |  |  | 1 |  | XXX | XXX | XXX | 8.75% | XXX | XXX | XXX | XXX | 4/18/2022 | 5.07% |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 206905 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX |  | XXX | XXX | XXX | N |  | Self-employed |  | 24 | Business Account | XXX_Bank Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_XXX_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf | 120 | 24 Months Business Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 1980 |  | C3 - Well maintained/normal wear and tear |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | 0 | XXX | Consumer Purpose | 7.807% | 42848.96 | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y | Y |  |  |  | 1 | No | XXX | XXX | XXX | 7.50% | XXX | XXX | XXX | XXX | 5/16/2022 | 5.38% |  | No |  |  |  | Borrower is a First Time Home Buyer |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 506165 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX | Debt Service Coverage Ratio | XXX | XXX | XXX | N |  |  |  |  |  | XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf<br> XXX_Bank-Investment Statement_{Borrower}_{Bank}_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf | 60 | DSCR >= 1.00 |  |  |  | XXX | XXX | XXX | XXX |  | 1 | Y |  |  | 0 | 3 | 1956 | 1611 | C3 - Well maintained/normal wear and tear | 3 | 3 | Y | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose |  |  | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1 |  | XXX | XXX | XXX | 7.85% | XXX | XXX | XXX | XXX |  |  |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 320157 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX |  | XXX | XXX | XXX | N |  | Self-employed |  | 12 | Personal Account | XXX_Bank Statement_{Employer}_{Bank}_XXX_XXX.pdf<br> XXX_Bank Statement_{Employer}_{Bank}_XX_XXX.pdf<br> XXX_Investment Account Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Investment Account Statement_{Borrower}_XX_XXX_XXX.pdf<br> XXX_Investment Account Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Investment Account Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Investment Account Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Investment Account Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Investment Account Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Investment Account Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Investment Account Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Investment Account Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Investment Account Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Investment Account Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Investment Account Statement_{Borrower}_XXX_XXX_XXX.pdf |  | XXX_Borrower Consent to the Use of Tax Return Information.pdf | 60 | 12 Months Personal Bank Statement |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 1 | 1993 |  | C2 - Relatively new or recently renovated property/Well Maint/No Deferred Maint |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | XXX | Business Purpose | 0.000% |  | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N | N |  |  |  | 1.2 |  | XXX | XXX | XXX | 5.63% | XXX | XXX | XXX | XXX |  |  | ($7500.25) | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  |  |  |  | No | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |
| 11/07/2022 | 497782 | XXX | XXX | X |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | Borrower is a US Citizen |  | XXX | XXX | XXX |  | XXX | XXX | XXX | Y | $454.00 | Commissioned Employee |  |  |  | XXX_Bank Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX__{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Bank Statement_XXX__{Borrower}_XXX_XXX_XXX.pdf<br> XXX_Investment Account Statement_{Borrower}_XXX_XXX_XXX.pdf | XXX_W2_{Borrower}_{Employer}_XXX.pdf<br> XXX_W2_{Borrower}_{Employer}_XXX.pdf | XXX_Borrower Consent to the Use of Tax Return Information.pdf | 60 | Full Documentation |  |  |  | XXX | XXX | XXX | XXX |  | 1 |  |  |  | 0 | 0 | 2022 |  | C1 - Newly constructed/Not Previously Occupied |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | 0 | XXX | Consumer Purpose | 8.373% | 9588.33 | Qualified Mortgage Safe Harbor | Compliant | XXX | XXX |  | N | N | N | N |  |  | Y | Y |  |  |  | 1 |  | XXX | XXX | XXX | 8.00% | XXX | XXX | XXX | XXX | 5/16/2022 | 5.38% |  | No |  |  |  | Borrower has prior home ownership experience within the past 3 years |  |  |  |  | 11/1/2019 |  |  | No | XXX | XXX | Warrantable Condo | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |

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| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](tm264825d35_ex99-8img001.jpg) | Date Submitted: | 6/8/2026 |
| Client Name: | Santander Bank N.A. | Report: | QM ATR |
| Deal Name: | SAN 2026-NQMS1 | Loans in report: | 121 |

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| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Report Date** | **Loan Number** | **Incenter ID** | **Seller Loan Number** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Borrower Employment Status** | **Co Borrower Employment Status** | **Loan Application Date** | **Regulatory Loan Purpose** | **APR** | **Points Fees** | **QM Designation** | **ATR Status** | **Rate Lock Date** | **Residual Income Originator** | **QM Agency UW Test** | **Non QM Reason Product Type** | **Non QM Reason DTI Test 43 App Q** | **Non QM Reason Not App Q Any DTI** | **Non QM Reason Pts Fees** | **Executed ATR Docs In File** | **QM ATR Exempt Reason** | **TRID Applicable** | **VSH Seller Indicator** | **VSH Seller Guide Method** | **VSH Validated** |
| 11/07/2022 | 621486 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 145155 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 618150 | XXX | XXX | Borrower is a US Citizen | Borrower is a US Citizen | Self-employed |  | XXX | Business Purpose | 0.000% | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 863310 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 5.453% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | Y | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 508280 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 4.807% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | Y | Y | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 902741 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Business Purpose | 5.527% | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 476000 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 5.064% | XXX | Non-Qualified Mortgage |  | XXX | XXX |  | N | N | N | Y N |  |  | Y |  |  |  |
| 11/07/2022 | 588026 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Business Purpose | 4.039% | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 359911 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 3.825% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | Y | N | Y | Y N |  |  | Y |  |  |  |
| 11/07/2022 | 655420 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 4.172% | XXX | Non-Qualified Mortgage |  | XXX | XXX |  | N | N | N | Y N |  |  | Y |  |  |  |
| 11/07/2022 | 379660 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 187432 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 3.557% | XXX | Qualified Mortgage Safe Harbor | Compliant | XXX | XXX |  | N | N | N | N |  |  | Y |  |  |  |
| 11/07/2022 | 474165 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Business Purpose | 4.630% | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 402913 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 601223 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 4.537% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 359332 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 325026 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 6.127% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 252314 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 4.858% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | Y | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 278943 | XXX | XXX | Borrower is a US Citizen | Borrower is a US Citizen | Self-employed | Self-employed | XXX | Consumer Purpose | 3.978% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | Y | Y | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 685924 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 796580 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 409366 | XXX | XXX | Borrower is a US Citizen | Borrower is a US Citizen |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 199966 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 513082 | XXX | XXX | Borrower is a US Citizen | Borrower is a US Citizen |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 156004 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 4.245% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | Y N |  |  | Y |  |  |  |
| 11/07/2022 | 812050 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 224365 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Predates Rule | N |  |  |  |
| 11/07/2022 | 105805 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 428546 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 640846 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 470002 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 894018 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 121260 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 4.856% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | Y | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 116729 | XXX | XXX | Borrower is a US Citizen | Borrower is a US Citizen | Commissioned Employee |  | XXX | Consumer Purpose | 4.235% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | Y | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 141456 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 933786 | XXX | XXX | Borrower is a US Citizen |  | Salaried Employee |  | XXX | Consumer Purpose | 4.868% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | Y | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 451924 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 731752 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 526249 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 338741 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 334788 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 220004 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 5.750% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 221853 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 947619 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 667348 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 445743 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 130491 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 394973 | XXX | XXX | Borrower is a US Citizen | Borrower is a US Citizen |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt | Non-Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 680384 | XXX | XXX | Borrower is a US Citizen | Borrower is a US Citizen |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 357675 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 3.822% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 769092 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 907467 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 109086 | XXX | XXX | Borrower is a US Citizen | Borrower is a US Citizen | Self-employed |  | XXX | Consumer Purpose | 3.958% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 336214 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 486060 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 357472 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 4.324% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 102244 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 355485 | XXX | XXX | Borrower is a US Citizen | Borrower is a US Citizen | Self-employed | Fixed Income | XXX | Consumer Purpose | 3.737% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 888831 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 448523 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 4.194% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | Y | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 554354 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 485873 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 775668 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 387133 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 4.250% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 152447 | XXX | XXX | Borrower is a Resident Alien - proof of status provided |  | Self-employed |  | XXX | Consumer Purpose | 4.990% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 865367 | XXX | XXX | Borrower is a US Citizen |  | Other |  | XXX | Consumer Purpose | 3.990% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 852807 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 609613 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 290689 | XXX | XXX | Borrower is a US Citizen | Borrower is a US Citizen |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 818339 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 3.840% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 563410 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 633034 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 786484 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 356134 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 867438 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 146291 | XXX | XXX | Borrower is a US Citizen | Borrower is a US Citizen |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 892415 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 911395 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 785942 | XXX | XXX | Borrower is a US Citizen | Borrower is a US Citizen |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 628594 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 7.800% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 513767 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 647210 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose | 0.000% | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 340446 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 7.809% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | Y | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 196691 | XXX | XXX | Borrower is a Foreign National - missing evidence of legal residency. |  | Salaried Employee |  | XXX | Consumer Purpose | 6.708% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 186277 | XXX | XXX | Borrower is a US Citizen |  | Commissioned Employee |  | XXX | Consumer Purpose | 9.030% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 890236 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 7.053% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | Y | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 520069 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 918154 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Consumer Purpose | 6.782% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 857586 | XXX | XXX | Borrower is a US Citizen |  | Salaried Employee |  | XXX | Consumer Purpose | 6.053% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 679731 | XXX | XXX | Borrower is a Resident Alien - missing evidence of legal residency. |  | Self-employed |  | XXX | Consumer Purpose | 5.553% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 216696 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 6.870% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 849746 | XXX | XXX | Borrower is a US Citizen | Borrower is a US Citizen | Self-employed | Self-employed | XXX | Consumer Purpose | 7.835% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | Y | Y | Y N |  |  | Y |  |  |  |
| 11/07/2022 | 560597 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 6.467% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 954528 | XXX | XXX | Borrower is a Resident Alien - proof of status provided |  | Self-employed |  | XXX | Consumer Purpose | 7.119% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | Y | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 442448 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 5.493% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | Y | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 240656 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 6.580% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 959529 | XXX | XXX | Borrower is a Resident Alien - missing evidence of legal residency. |  | Self-employed |  | XXX | Consumer Purpose | 6.675% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 862016 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 276167 | XXX | XXX | Borrower is a US Citizen | Borrower is a US Citizen |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 218523 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 665708 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 112605 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 191091 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 332669 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 837123 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 192880 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 234120 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 728679 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 7.688% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | Y | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 649230 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 7.016% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 956003 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 241773 | XXX | XXX | Borrower is a US Citizen |  | Salaried Employee |  | XXX | Business Purpose | 0.000% | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 141745 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 745130 | XXX | XXX | Borrower is a US Citizen | Borrower is a US Citizen |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt | Non-Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 833028 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 7.564% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 781256 | XXX | XXX | Borrower is a US Citizen | Borrower is a US Citizen | Self-employed |  | XXX | Business Purpose | 0.000% | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 821281 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 781505 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 8.908% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 206905 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Consumer Purpose | 7.807% | XXX | Non-Qualified Mortgage | Compliant | XXX | XXX |  | N | N | Y | N |  |  | Y |  |  |  |
| 11/07/2022 | 506165 | XXX | XXX | Borrower is a US Citizen |  |  |  | XXX | Business Purpose |  | XXX | Not covered / exempt |  | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 320157 | XXX | XXX | Borrower is a US Citizen |  | Self-employed |  | XXX | Business Purpose | 0.000% | XXX | Not covered / exempt | Compliant | XXX | XXX |  | N | N | N | N |  | Investor Property | N |  |  |  |
| 11/07/2022 | 497782 | XXX | XXX | Borrower is a US Citizen |  | Commissioned Employee |  | XXX | Consumer Purpose | 8.373% | XXX | Qualified Mortgage Safe Harbor | Compliant | XXX | XXX |  | N | N | N | N |  |  | Y |  |  |  |

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| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](tm264825d35_ex99-8img001.jpg) | Date Submitted: | 6/8/2026 |
| Client Name: | Santander Bank N.A. | Report: | Valuation Summary |
| Deal Name: | SAN 2026-NQMS1 | Loans in report: | 121 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Report Date** | **Loan Number** | **Incenter ID** | **Seller Loan Number** | **Originator** | **Origination Date** | **Original Loan Amount** | **Sales Price** | **Original Appraised Property Value** | **Original Property Valuation Date** | **Original Appraisal Form** | **Property Value Used for Loan to Value1** | **Second Appraisal/ Valuation Value** | **Second Appraisal/ Valuation Variance Amount** | **Second Appraisal/ Valuation Percent** | **Second Appraisal/ Valuation Date** | **Second Appraisal/ Valuation Type** | **Second Full Appraisal Property Value** | **Second Full Appraisal Date** | **Original Automated Valuation Model AVM Model Name** | **Original AVM Confidence Score** | **Desk Review Property Value** | **Variance Percent** | **Desk Review Risk Score** | **Desk Review Date** | **Form 2055 Appraisal Property Value** | **Form 2055 Appraisal Appraisal Date** | **Original Automated Valuation Model AVM Property Value** | **Original Automated Valuation Model AVM Appraisal Date** | **Broker s Price Opinion BPO Property Value** | **Broker s Price Opinion BPO Appraisal Date** | **Most Recent Property Value** | **Most Recent Property Valuation Type** | **Most Recent Property Valuation Date** | **Most Recent AVM Model Name** | **Most Recent AVM Confidence Score** | **Collateral Underwriter Risk Score** |
| 11/07/2022 | 621486 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 145155 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 618150 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 2.9 |
| 11/07/2022 | 863310 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 3 |
| 11/07/2022 | 508280 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1.8 |
| 11/07/2022 | 902741 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 2.5 |
| 11/07/2022 | 476000 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Low | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 1 |
| 11/07/2022 | 588026 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 359911 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Low | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  |  |
| 11/07/2022 | 655420 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 379660 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | -7% | XXX | CDA | XXX | XXX |  |  | XXX | -6.70% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 5 |
| 11/07/2022 | 187432 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 474165 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 402913 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% |  | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  |  |
| 11/07/2022 | 601223 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Low | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 3.2 |
| 11/07/2022 | 359332 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 4.7 |
| 11/07/2022 | 325026 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | -7% | XXX | CDA | XXX | XXX |  |  | XXX | -6.87% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 2.6 |
| 11/07/2022 | 252314 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 278943 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  |  |
| 11/07/2022 | 685924 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 796580 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 409366 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Low | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 2.6 |
| 11/07/2022 | 199966 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 513082 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 156004 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Low | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 3.8 |
| 11/07/2022 | 812050 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  |  |
| 11/07/2022 | 224365 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 105805 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX |  | XXX | XXX |  |  | XXX | 0.00% |  | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 1 |
| 11/07/2022 | 428546 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 2.6 |
| 11/07/2022 | 640846 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 470002 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  |  |
| 11/07/2022 | 894018 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Low | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 4 |
| 11/07/2022 | 121260 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 116729 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 141456 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 933786 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 2.6 |
| 11/07/2022 | 451924 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1.6 |
| 11/07/2022 | 731752 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 | XXX | XXX | XXX | 0% | XXX | Other Desk Review | XXX | XXX |  |  | XXX | 0.00% | Reasonable | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  |  |
| 11/07/2022 | 526249 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 338741 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 334788 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 | XXX | XXX | XXX | 0% | XXX | Desk Review | XXX | XXX |  |  | XXX | 0.00% | Reasonable | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  |  |
| 11/07/2022 | 220004 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 221853 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 | XXX | XXX | XXX | 0% | XXX | Desk Review | XXX | XXX |  |  | XXX | 0.00% | Reasonable | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  |  |
| 11/07/2022 | 947619 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | Desk Review | XXX | XXX |  |  | XXX | 0.00% | Reasonable | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 4.7 |
| 11/07/2022 | 667348 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1.9 |
| 11/07/2022 | 445743 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 130491 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 394973 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 | XXX | XXX | XXX | 0% | XXX | Desk Review | XXX | XXX |  |  | XXX | 0.00% | Reasonable | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  |  |
| 11/07/2022 | 680384 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 | XXX | XXX | XXX | 0% | XXX | Desk Review | XXX | XXX |  |  | XXX | 0.00% | Reasonable | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  |  |
| 11/07/2022 | 357675 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | Desk Review | XXX | XXX |  |  | XXX | 0.00% | Reasonable | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 2.6 |
| 11/07/2022 | 769092 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 907467 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 109086 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 336214 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | Desk Review | XXX | XXX |  |  | XXX | 0.00% | Reasonable | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 2.6 |
| 11/07/2022 | 486060 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 357472 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1.2 |
| 11/07/2022 | 102244 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Reasonable | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  |  |
| 11/07/2022 | 355485 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | Desk Review | XXX | XXX |  |  | XXX | 0.00% | Reasonable | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 3.1 |
| 11/07/2022 | 888831 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1.6 |
| 11/07/2022 | 448523 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 2.2 |
| 11/07/2022 | 554354 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1.1 |
| 11/07/2022 | 485873 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 775668 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 387133 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | Desk Review | XXX | XXX |  |  | XXX | 0.00% | Reasonable | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 2.6 |
| 11/07/2022 | 152447 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 2.2 |
| 11/07/2022 | 865367 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 | XXX | XXX | XXX | 0% | XXX | Desk Review | XXX | XXX |  |  | XXX | 0.00% | Reasonable | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 1 |
| 11/07/2022 | 852807 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1.1 |
| 11/07/2022 | 609613 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 290689 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 818339 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | Desk Review | XXX | XXX |  |  | XXX | 0.00% | Reasonable | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 3.6 |
| 11/07/2022 | 563410 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 | XXX | XXX | XXX | -7% | XXX |  | XXX | XXX |  |  | XXX | -6.66% |  | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  |  |
| 11/07/2022 | 633034 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 2 |
| 11/07/2022 | 786484 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | Desk Review | XXX | XXX |  |  | XXX | 0.00% | Reasonable | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 2.6 |
| 11/07/2022 | 356134 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 867438 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | -100% | XXX |  | XXX | XXX |  |  | XXX | -100.00% |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1.2 |
| 11/07/2022 | 146291 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  |  |
| 11/07/2022 | 892415 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 911395 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX |  |  |  |
| 11/07/2022 | 785942 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 628594 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Low | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 1 |
| 11/07/2022 | 513767 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 2.6 |
| 11/07/2022 | 647210 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 340446 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 1.1 |
| 11/07/2022 | 196691 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Low | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  |  |
| 11/07/2022 | 186277 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 1 |
| 11/07/2022 | 890236 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 2 |
| 11/07/2022 | 520069 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 2.6 |
| 11/07/2022 | 918154 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX |  | XXX | XXX |  |  | XXX | 0.00% |  | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  |  |
| 11/07/2022 | 857586 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 679731 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | -6% | XXX | CDA | XXX | XXX |  |  | XXX | -5.53% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 1 |
| 11/07/2022 | 216696 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | -2% | XXX | CDA | XXX | XXX |  |  | XXX | -2.15% | Low | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 2.6 |
| 11/07/2022 | 849746 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX |  | XXX | XXX |  |  | XXX | 0.00% |  | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 1 |
| 11/07/2022 | 560597 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 1.8 |
| 11/07/2022 | 954528 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 2.1 |
| 11/07/2022 | 442448 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 4.8 |
| 11/07/2022 | 240656 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 2.6 |
| 11/07/2022 | 959529 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% |  | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  |  |
| 11/07/2022 | 862016 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 4% | XXX | CDA | XXX | XXX |  |  | XXX | 3.60% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 1 |
| 11/07/2022 | 276167 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 1.4 |
| 11/07/2022 | 218523 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Low | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 1 |
| 11/07/2022 | 665708 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | 4/19/22 | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 1 |
| 11/07/2022 | 112605 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX |  | XXX | XXX |  |  | XXX | 0.00% |  | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 1 |
| 11/07/2022 | 191091 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Low | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  |  |
| 11/07/2022 | 332669 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 1 |
| 11/07/2022 | 837123 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 7% | XXX | CDA | XXX | XXX |  |  | XXX | 6.54% | Moderate Risk | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 3 |
| 11/07/2022 | 192880 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Low | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 1 |
| 11/07/2022 | 234120 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 728679 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Moderate Risk | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 4.7 |
| 11/07/2022 | 649230 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 3.4 |
| 11/07/2022 | 956003 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 241773 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  |  |
| 11/07/2022 | 141745 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Moderate Risk | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 2.6 |
| 11/07/2022 | 745130 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 1 |
| 11/07/2022 | 833028 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | -1% | XXX | CDA | XXX | XXX |  |  | XXX | -0.51% |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  |  |
| 11/07/2022 | 781256 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  |  |
| 11/07/2022 | 821281 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | -0.30% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 1 |
| 11/07/2022 | 781505 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 1 |
| 11/07/2022 | 206905 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |
| 11/07/2022 | 506165 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX | 0% | XXX | CDA | XXX | XXX |  |  | XXX | 0.00% | Moderate | XXX |  |  |  |  |  |  | XXX | 9 | XXX |  |  | 1 |
| 11/07/2022 | 320157 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1.2 |
| 11/07/2022 | 497782 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | 3 | XXX |  |  | 1 |

---

## Exhibit 99.9

**Exhibit 99.9**

![](tm264825d35_ex99-9img01.jpg)

------

**Overview**

The StoneHill Group, Inc. ("TSG") performed certain due diligence services (the "Review") described below on loans backed by residential properties (both residential mortgage loans and small balance commercial loans secured by residential properties or mixed-use properties being leased to generate income; together the "Loans") acquired by Santander Bank, N.A (the "Client"). The Review took place from April 2022 to May 2022 on Loans with origination dates in April 2022 to May 2022 on files imaged and provided by the Client or its designee.

**Sample size of the assets reviewed.**

During the securitization review process, the Client may have removed loans that were reviewed by TSG from the securitization for paid-in-full mortgage loans or other undisclosed items to TSG. The final population of the Review included 77 Loans totaling an original principal balance of approximately $45,047,125.00. The review conducted by TSG covered 100% of the securitization loan population to the best of TSG's knowledge and understanding.

Within this population (the "Residential Population") there were 27 Loans that were reviewed by TSG according to nationally recognized statistical rating organizations (NRSRO(s)) standards. NRSRO standards include guidance for compliance, credit, and valuation, among others.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria, as may be relevant for this securitization, for the NRSRO(s) identified in Item 3 of the ABS Due Diligence-15E.

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

TSG compared data fields on the bid tape provided by the Client to the data found in the Loan file as captured during the Review. The fields captured varied dependent upon such Loan being in the Residential Population or the SBCRE Population as defined below. Additional detail can be found in the result summary for Data Integrity below.

**NRSRO/RESIDENTIAL POPULATION (**25 **Fields)**

---

| | |
|:---|:---|
| &nbsp;&nbsp;B1LastName | &nbsp;&nbsp;LoanPurpose |
| &nbsp;&nbsp;B1OriginationFICO | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;B2LastName | &nbsp;&nbsp;NumberofUnits |
| &nbsp;&nbsp;BaseLoanAmount | &nbsp;&nbsp;OriginatorDTI |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;PropertyCity |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;PropertyCounty |
| &nbsp;&nbsp;EscrowFlag | &nbsp;&nbsp;PropertyState |
| &nbsp;&nbsp;HCLTV | &nbsp;&nbsp;PropertyType |
| &nbsp;&nbsp;HigherPricedMortgageLoanHPMLFlag | &nbsp;&nbsp;PropertyZipCode |
| &nbsp;&nbsp;InterestOnlyFlag | &nbsp;&nbsp;SalesPrice |
| &nbsp;&nbsp;InterestOnlyTerm | &nbsp;&nbsp;Term |
| &nbsp;&nbsp;LienPosition | &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;LoanProgram |  |

---

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

TSG's review was differentiated by the purpose of the loan in question and the guidelines for such loan origination. The description below differentiates between the Residential Population and the SBCRE Population.

![](tm264825d35_ex99-9img01.jpg)

------

**Residential Population (**27 **Loans)**

TSG reviewed assets at origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable for the Residential Population, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to TSG. As 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, TSG 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:** TSG'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, TSG: (i) captured the monthly consumer debt payments for use in required calculations as required by guidelines, (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 required by guidelines, 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:** TSG 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, 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.

**Asset Review:** TSG 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, TSG completed a review of large deposits and completed the reserve calculation. 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 conducted. During the course of this review, TSG (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgagee 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, (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:** TSG 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:** As part of the review, TSG verified 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.

![](tm264825d35_ex99-9img01.jpg)

------

**Fraud Review:** TSG 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, TSG conditioned the mortgage loan for the missing fraud report product.

If a report was present, TSG 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, TSG 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:** TSG's review included a review of the chain of title and the time duration of ownership by the seller or borrower (whichever is applicable) satisfied 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:** TSG 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 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 or other applicable approved formats at the time of origination.

TSG also 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 (if required by loan product guidelines).

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

---

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

---

![](tm264825d35_ex99-9img01.jpg)

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

TSG'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. TSG's review included verifying the appraisal report was (i) on the appropriate GSE form (for the Residential Population), (ii) materially complete, (iii) in conformity with the guideline requirements for the property type, (iv) completed by an appraiser (for residential properties) that was actively licensed to perform the valuation, (v) completed, for residential properties, 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 obtained from the appropriate authorities.

Regarding the use of comparable properties, TSG's review (i) analyzed the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and considered whether 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.

Additional facets of TSG'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 were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client if necessary (iv) confirming the appraisal report does not include any obvious 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 TSG, or if the valuation product was not directly accessible that another valuation product was directly accessible to TSG was ordered in accordance with the Client's specific valuation waterfall process. If more than one valuation was provided, TSG confirmed consistency among the valuation products. If there were discrepancies identified that could not be resolved, TSG created an exception.

**Residential Population (**27 **Loans)**

Please be advised that TSG did not determine whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly stated 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 TSG are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which TSG is relying in reaching such findings.

Regarding TILA-RESPA Integrated Disclosure ("TRID") testing, TSG implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association (the "SFA Compliance Review Scope"). TSG will work with outside counsel as needed 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 TSG 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. TSG has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per TSG's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that TSG has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by TSG will result in the potential level of risk indicated by an Event Level or NRSRO grade. Please note that investment properties were excluded from TRID testing.

![](tm264825d35_ex99-9img01.jpg)

------

Please be further advised that TSG does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by TSG do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to TSG. Information contained in any TSG 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 TSG 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 TSG 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. TSG does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by TSG.

TSG 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):</u> 

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

![](tm264825d35_ex99-9img01.jpg)

------

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available, TSG 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, TSG'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;g) <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;h) <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;i) <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;j) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

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> 

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

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

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

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

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

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

i) confirm current applicable HUD form was provided;

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

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

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

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

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

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

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;

![](tm264825d35_ex99-9img01.jpg)

------

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance 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.)

![](tm264825d35_ex99-9img01.jpg)

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

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

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

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

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

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

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

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

TSG 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). TSG will determine the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, TSG notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, TSG notes if an originator mortgage loan designation was not provided.

**Qualified Mortgage**

With respect to Qualified Mortgage designated mortgage loans, TSG reviews the mortgage loan to determine whether, based on available information in the mortgage loan file and information provided to us by the client regarding Revised QM options chosen by the institution during the optional adoption period from March 1, 2021 through July 1, 2021: (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) for loans with application dates prior to July 1, 2021, at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z); for loans with application dates of July 1, 2021 or after, at the interest rate-lock date, that the Price-Based Limitation calculation meets the requirement of the APR not exceeding the APOR for a comparable transaction by 2.25% or more.. 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, TSG reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied the requirements in the preceding paragraph. In addition, TSG reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated mortgage loan with an application date prior to July 1, 2021, that satisfied the applicable requirements enumerated above, TSG 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.).

![](tm264825d35_ex99-9img01.jpg)

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For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, TSG 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.

**General Ability to Repay**

TSG 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.

TSG 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"). TSG 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. TSG's review is based on information contained in the mortgage loan file at the time it is provided to TSG 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> 

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

**(VII) 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;**

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

**(IX) Recording Review**

TSG 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 TSG reviewed the mortgage loans and thus have not yet been recorded. TSG 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, TSG will analyze and capture data from the source documents identified in the Document Review below, as applicable.

![](tm264825d35_ex99-9img01.jpg)

------

**(X) FIRREA Review**

TSG confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, TSG 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.

**(XI) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit report;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Income and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T and/or 4506C as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales contract;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Right of Rescission Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA disclosures;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing Disclosures; and

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

**Item 5. Summary of findings and 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 Item 3 above.

![](tm264825d35_ex99-9img01.jpg)

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**OVERALL RESULTS GRADING SUMMARY**

After considering the grading implications of the Compliance, Credit, and Property/Valuation sections below, 100% of the Loans by number in the pool possessed a grade of "A" or "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;72 | &nbsp;&nbsp;93.51% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;6.49% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**77** | &nbsp;&nbsp;**100.0%** |

---

**COMPLIANCE RESULTS SUMMARY**

100% of Loans received an "A" compliance grade and 0 Loans received a compliance grade of "B."

The resulting Compliance Grades for the mortgage loans are as follows:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;77 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**77** | &nbsp;&nbsp;**100.0%** |

---

**CREDIT RESULTS SUMMARY**

Within the securitization population, 100% of the Loans possessed an "A" or "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;73 | &nbsp;&nbsp;94.81% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;5.19% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**77** | &nbsp;&nbsp;**100.0%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

Within the securitization population, 100% of the Loans possessed an "A" or "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;76 | &nbsp;&nbsp;98.7% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.3% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**77** | &nbsp;&nbsp;**100.0%** |

---

![](tm264825d35_ex99-9img01.jpg)

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**DATA INTEGRITY REVIEW RESULTS SUMMARY**

TSG verified data field variances across 25 unique data fields. Some Loans may have exhibited multiple variances which, in some cases, may have resulted from blank data in a submitted data tape. A summary is provided below:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;B1LastName | &nbsp;&nbsp;2 | &nbsp;&nbsp;77 | &nbsp;&nbsp;2.6% |
| &nbsp;&nbsp;B1OriginationFICO | &nbsp;&nbsp;4 | &nbsp;&nbsp;77 | &nbsp;&nbsp;5.19% |
| &nbsp;&nbsp;B2LastName | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;BaseLoanAmount | &nbsp;&nbsp;0 | &nbsp;&nbsp;77 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;22 | &nbsp;&nbsp;75 | &nbsp;&nbsp;29.33% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;21 | &nbsp;&nbsp;48 | &nbsp;&nbsp;43.75% |
| &nbsp;&nbsp;EscrowFlag | &nbsp;&nbsp;2 | &nbsp;&nbsp;77 | &nbsp;&nbsp;2.6% |
| &nbsp;&nbsp;HCLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;67 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;HigherPricedMortgageLoanHPMLFlag | &nbsp;&nbsp;5 | &nbsp;&nbsp;77 | &nbsp;&nbsp;6.49% |
| &nbsp;&nbsp;InterestOnlyFlag | &nbsp;&nbsp;37 | &nbsp;&nbsp;74 | &nbsp;&nbsp;50% |
| &nbsp;&nbsp;InterestOnlyTerm | &nbsp;&nbsp;0 | &nbsp;&nbsp;37 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LienPosition | &nbsp;&nbsp;0 | &nbsp;&nbsp;77 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanProgram | &nbsp;&nbsp;0 | &nbsp;&nbsp;77 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanPurpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;77 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;18 | &nbsp;&nbsp;66 | &nbsp;&nbsp;27.27% |
| &nbsp;&nbsp;NumberofUnits | &nbsp;&nbsp;1 | &nbsp;&nbsp;77 | &nbsp;&nbsp;1.3% |
| &nbsp;&nbsp;OriginatorDTI | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyCity | &nbsp;&nbsp;1 | &nbsp;&nbsp;74 | &nbsp;&nbsp;1.35% |
| &nbsp;&nbsp;PropertyCounty | &nbsp;&nbsp;10 | &nbsp;&nbsp;74 | &nbsp;&nbsp;13.51% |
| &nbsp;&nbsp;PropertyState | &nbsp;&nbsp;0 | &nbsp;&nbsp;74 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyType | &nbsp;&nbsp;8 | &nbsp;&nbsp;77 | &nbsp;&nbsp;10.39% |
| &nbsp;&nbsp;PropertyZipCode | &nbsp;&nbsp;2 | &nbsp;&nbsp;74 | &nbsp;&nbsp;2.7% |
| &nbsp;&nbsp;SalesPrice | &nbsp;&nbsp;3 | &nbsp;&nbsp;76 | &nbsp;&nbsp;3.95% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;77 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;1 | &nbsp;&nbsp;77 | &nbsp;&nbsp;1.3% |

---

![](tm264825d35_ex99-9img01.jpg)

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**ADDITIONAL MORTGAGE LOAN POPULATION SUMMARY**

*The % of Loans totals may not add up to 100% due to rounding.*

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;77 | &nbsp;&nbsp;100% | &nbsp;&nbsp;$45047125.00 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**77** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$45047125.00** | &nbsp;&nbsp;**100.0%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;63 | &nbsp;&nbsp;81.82% | &nbsp;&nbsp;$27864020.00 | &nbsp;&nbsp;61.86% |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;14 | &nbsp;&nbsp;18.18% | &nbsp;&nbsp;$17183105.00 | &nbsp;&nbsp;38.14% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**77** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$45047125.00** | &nbsp;&nbsp;**100.0%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;27 | &nbsp;&nbsp;35.06% | &nbsp;&nbsp;$22453155.00 | &nbsp;&nbsp;49.84% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;50 | &nbsp;&nbsp;64.94% | &nbsp;&nbsp;$22593970.00 | &nbsp;&nbsp;50.16% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**77** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$45047125.00** | &nbsp;&nbsp;**100.0%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &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;44 | &nbsp;&nbsp;57.14% | &nbsp;&nbsp;$26518277.00 | &nbsp;&nbsp;58.87% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;15 | &nbsp;&nbsp;19.48% | &nbsp;&nbsp;$10849098.00 | &nbsp;&nbsp;24.08% |
| &nbsp;&nbsp;Two to Four Unit | &nbsp;&nbsp;7 | &nbsp;&nbsp;9.09% | &nbsp;&nbsp;$3881650.00 | &nbsp;&nbsp;8.62% |
| &nbsp;&nbsp;Condominium | &nbsp;&nbsp;6 | &nbsp;&nbsp;7.79% | &nbsp;&nbsp;$1675800.00 | &nbsp;&nbsp;3.72% |
| &nbsp;&nbsp;Single Family Attached | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.6% | &nbsp;&nbsp;$388500.00 | &nbsp;&nbsp;0.86% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.3% | &nbsp;&nbsp;$1137500.00 | &nbsp;&nbsp;2.53% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.3% | &nbsp;&nbsp;$408000.00 | &nbsp;&nbsp;0.91% |
| &nbsp;&nbsp;Condominium High Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.3% | &nbsp;&nbsp;$188300.00 | &nbsp;&nbsp;0.42% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**77** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$45047125.00** | &nbsp;&nbsp;**100.0%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;32 | &nbsp;&nbsp;41.56% | &nbsp;&nbsp;$14780150.00 | &nbsp;&nbsp;32.81% |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;45 | &nbsp;&nbsp;58.44% | &nbsp;&nbsp;$30266975.00 | &nbsp;&nbsp;67.19% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**77** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$45047125.00** | &nbsp;&nbsp;**100.0%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property State** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;AZ | &nbsp;&nbsp;6 | &nbsp;&nbsp;7.79% | &nbsp;&nbsp;$2116500.00 | &nbsp;&nbsp;4.7% |
| &nbsp;&nbsp;CA | &nbsp;&nbsp;31 | &nbsp;&nbsp;40.26% | &nbsp;&nbsp;$24089605.00 | &nbsp;&nbsp;53.48% |
| &nbsp;&nbsp;CO | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.6% | &nbsp;&nbsp;$997750.00 | &nbsp;&nbsp;2.21% |
| &nbsp;&nbsp;FL | &nbsp;&nbsp;22 | &nbsp;&nbsp;28.57% | &nbsp;&nbsp;$9334399.00 | &nbsp;&nbsp;20.72% |
| &nbsp;&nbsp;GA | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.3% | &nbsp;&nbsp;$1137500.00 | &nbsp;&nbsp;2.53% |
| &nbsp;&nbsp;NC | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.9% | &nbsp;&nbsp;$940500.00 | &nbsp;&nbsp;2.09% |
| &nbsp;&nbsp;NJ | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.3% | &nbsp;&nbsp;$319000.00 | &nbsp;&nbsp;0.71% |
| &nbsp;&nbsp;OR | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.3% | &nbsp;&nbsp;$326000.00 | &nbsp;&nbsp;0.72% |
| &nbsp;&nbsp;PA | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.3% | &nbsp;&nbsp;$319.200.00 | &nbsp;&nbsp;0.71% |
| &nbsp;&nbsp;SC | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.3% | &nbsp;&nbsp;$2000000.00 | &nbsp;&nbsp;4.44% |
| &nbsp;&nbsp;TN | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.6% | &nbsp;&nbsp;$1323000.00 | &nbsp;&nbsp;2.94% |
| &nbsp;&nbsp;TX | &nbsp;&nbsp;5 | &nbsp;&nbsp;6.49% | &nbsp;&nbsp;$1578421.00 | &nbsp;&nbsp;3.5% |
| &nbsp;&nbsp;UT | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.3% | &nbsp;&nbsp;$565250.00 | &nbsp;&nbsp;1.25% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**77** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$45047125.00** | &nbsp;&nbsp;**100.0%** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** | **TRID tested?** |
| REDACTED | 100005 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | Yes | No | No | No | No | No | 11796 | 5.803 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  | Yes |
| REDACTED | 191849 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | Yes | No | No | N | No | No | No | No | No | 6650 | 5.977 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3000 | Yes | Employed | Employed | No | No | No |  | Yes |
| REDACTED | 232298 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation |  | 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 | Missing | No |
| REDACTED | 212967 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation |  | No | No | No | No | N | 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 | No |
| REDACTED | 363025 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes | Appendix Q Documentation |  | 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 | No |
| REDACTED | 191010 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No | true | No | No | No | No | No | 12275 | 7.098 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | No | 7853.83 | Yes | Employed | Employed | No | No | No |  | Yes |
| REDACTED | 335950 |  | REDACTED | Non-QM: APOR | Non-QM: APOR | No | Appendix Q Documentation | Fail | Yes | Yes | No | No | true | No | No | No | No | No | 8111.8 | 7.648 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | No |  | N/A | Employed |  | No |  | No |  | Yes |
| REDACTED | 219894 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | N | No | No | No | No | Yes | 14009.06 | 6.337 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 42611.15 | Yes | Employed |  | No |  | No |  | Yes |
| REDACTED | 227535 |  | REDACTED | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No | No | No | No | N | 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 | N/A | No |
| REDACTED | 134247 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Not Applicable | Yes | Appendix Q Documentation |  | Yes | No | No | No | N | Yes | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Retired |  | No |  | Yes | N/A | No |
| REDACTED | 382163 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | Yes | No | No | No | No | No | 17291.15 | 6.499 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 50486.07 | Yes | Employed | Employed | No | No | No |  | Yes |
| REDACTED | 148111 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | true | No | No | No | No | No | 2761.2 | 5.6 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  | Yes |
| REDACTED | 317039 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | N | No | No | No | No | No | 6583.16 | 5.304 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Not Employed | No | No | No |  | Yes |
| REDACTED | 241640 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation |  | No | No | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A |  |  | Not Employed |  | No |  | Yes | Present | No |
| REDACTED | 172461 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation |  | No | No | No | No | true | 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 | No |
| REDACTED | 329578 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No | N | No | No | No | No | No | 5435 | 5.483 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  | Yes |
| REDACTED | 453147 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | N | No | No | No | No | Yes | 17617 | 6.182 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  | Yes |
| REDACTED | 343904 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes | Appendix Q Documentation |  | No | No | No | No | N | 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 | No |
| REDACTED | 334981 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes | Appendix Q Documentation |  | 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 | No |
| REDACTED | 364797 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes | Appendix Q Documentation |  | 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 |  |  | Not Employed | Not Employed | No | No | Yes | Present | No |
| REDACTED | 211582 |  | REDACTED | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No | No | No | No | true | 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 | No |
| REDACTED | 103899 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes | Appendix Q Documentation |  | No | No | No | No | N | 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 | No |
| REDACTED | 323976 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No | No | No | No | N | 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 | No |
| REDACTED | 117756 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes | Appendix Q Documentation |  | 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 | 0 | N/A |  |  | No |  | Yes | Present | No |
| REDACTED | 176017 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Not Applicable | Yes | Appendix Q Documentation |  | No | No | No | No | N | 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 | No |
| REDACTED | 233749 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes | Appendix Q Documentation |  | No | No | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | No |  | Yes |
| REDACTED | 188797 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation |  | No | No | No | No | true | 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 | No |
| REDACTED | 269403 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation |  | No | No | No | No | true | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | Yes | Yes | N/A | Yes | N/A | N/A |  |  | Not Employed |  | No |  | Yes | Present | No |
| REDACTED | 437761 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No | true | No | No | No | No | No | 19403.89 | 5.881 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15034.93 | Yes | Employed |  | No |  | No |  | Yes |
| REDACTED | 318090 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | N | No | No | No | No | Yes | 14063 | 6.578 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | No | 21822.6 | Yes | Employed |  | No |  | No |  | Yes |
| REDACTED | 425994 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No | N | No | No | No | No | No | 6200 | 5.295 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  | Yes |
| REDACTED | 111657 |  | REDACTED | Non-QM: APOR | ATR/QM: Not Applicable | Yes | Appendix Q Documentation |  | No | No | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A |  | N/A |  |  | No |  | Yes | Present | No |
| REDACTED | 139388 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | N | No | No | No | No | No | 6107.5 | 5.499 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12308.71 | Yes | Employed |  | No |  | No |  | Yes |
| REDACTED | 362874 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes | Appendix Q Documentation |  | No | No | No | No | N | 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 | No |
| REDACTED | 299076 |  | REDACTED | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No | No | No | No | N | 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 | N/A | No |
| REDACTED | 132567 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | true | No | No | No | No | No | 20075.85 | 5.723 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  | Yes |
| REDACTED | 262184 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation |  | Yes | No | No | No |  | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | Yes | N/A | N/A | Yes | N/A | N/A |  |  | Not Employed |  | No |  | Yes | Present | No |
| REDACTED | 331228 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation |  | No | No | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | Yes | N/A | N/A |  |  | Not Employed |  | No |  | Yes | Present | No |
| REDACTED | 294416 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes | Appendix Q Documentation |  | 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 | No |
| REDACTED | 447332 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No | N | No | No | No | No | No | 4935 | 6.555 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No |  |  |  |
| REDACTED | 437505 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR | Yes | Appendix Q Documentation | Pass | No | Yes | No | No | N | No | No | No | No | No | 6356 | 5.456 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | No | 3710.55 | Yes | Employed | Not Employed | No | No | No |  | Yes |
| REDACTED | 115974 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation |  | No | No | No | No | true | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A |  |  | Not Employed |  | No |  | Yes | Present | No |
| REDACTED | 296529 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation |  | No | No | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A |  |  | Not Employed |  | No |  | Yes | Present | No |
| REDACTED | 454128 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No | true | No | No | No | No | No | 15839 | 5.094 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8110.88 | Yes | Employed |  | No |  | No |  | Yes |
| REDACTED | 206169 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes | Appendix Q Documentation |  | No | No | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | Not Employed |  | No |  | Yes | Present | No |
| REDACTED | 357104 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation |  | No | No | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A |  |  | Not Employed |  | No |  | Yes | Present | No |
| REDACTED | 174259 |  | REDACTED | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No | No | No | No | N | 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 | No |
| REDACTED | 424191 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation |  | No | No | No | No | N | 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 | No |
| REDACTED | 487861 |  | REDACTED | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No | No | No | No | N | 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 | No |
| REDACTED | 215226 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes | Appendix Q Documentation |  | No | No | No | No | N | 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 | No |
| REDACTED | 401332 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation |  | No | No | No | No | N | Yes | No | No | No |  |  |  | Yes | N/A | N/A | Yes | N/A | N/A | N/A | Yes | N/A | N/A |  |  | Not Employed |  | No |  | Yes | Present | No |
| REDACTED | 444036 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes | Appendix Q Documentation |  | No | No | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | Not Employed |  | No |  | Yes | Present | No |
| REDACTED | 481542 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation |  | No | No | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A |  |  | Not Employed |  | No | No | Yes | Present | No |
| REDACTED | 318809 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes | Appendix Q Documentation |  | 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 | No |
| REDACTED | 487494 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes | Appendix Q Documentation |  | No | No | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | Not Employed |  | No |  | Yes | Present | No |
| REDACTED | 242146 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes | Appendix Q Documentation |  | No | No | No | No | true | 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 | No |
| REDACTED | 103685 |  | REDACTED | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No | No | No | No | N | 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 | No |
| REDACTED | 197943 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation |  | No | No | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  | Not Employed |  | No |  | Yes | Present | No |
| REDACTED | 112265 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation |  | No | No | No | No | true | 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 | No |
| REDACTED | 411674 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation |  | 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 |  |  | Not Employed | Not Employed | No | No |  |  |  |
| REDACTED | 286869 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes | Appendix Q Documentation |  | No | No | No | No | N | 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 |  |  |  |
| REDACTED | 480377 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes | Appendix Q Documentation |  | No | No | No | No | true | 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 |  |  |  |
| REDACTED | 351023 |  | REDACTED | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No | No | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | Not Employed | Not Employed | No | No |  |  |  |
| REDACTED | 272779 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation |  | No | No | No | No | N | 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 |  |  |  |  |
| REDACTED | 357145 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation |  | No | No | No | No | true | 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 |  |  |  |  |
| REDACTED | 276105 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation |  | No | No | No | No | true | 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 |  |  |  |  |
| REDACTED | 216326 |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation |  | No | No | No | No | N | 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 |  |  |  |  |
| REDACTED | 169442 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | N | No | No | No | No | No | 4115 | 6.495 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No |  |  |  |
| REDACTED | 465246 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | N | No | No | No | No | No | 22799.61 | 5.58 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | Yes | Employed | Not Employed | No | No |  |  |  |
| REDACTED | 391403 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No | Yes | No | No | No | No | No | 45345.1 | 6.659 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | No | 26059.29 | Yes | Employed |  | No |  |  |  |  |
| REDACTED | 305340 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Not Applicable | Yes | Appendix Q Documentation |  | No | No | No | No | N | Yes | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | Yes | N/A | No |
| REDACTED | 261742 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | N | No | No | No | No | No | 10275 | 6.388 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  |  |  |  |
| REDACTED | 355619 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | Yes | No | No | true | No | No | No | No | No | 11525 | 6.703 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3250 | Yes | Employed |  | No |  | No |  | Yes |
| REDACTED | 183973 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | true | No | No | No | No | No | 47232.5 | 6.776 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | No | 129407.46 | Yes | Employed |  | No |  | No |  | Yes |
| REDACTED | 265011 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | Yes | Yes | No | No | N | No | No | No | No | Yes | 14302.79 | 8.989 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  | Yes |
| REDACTED | 311982 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | No | No | No | No | N | No | No | No | No | No | 7588.75 | 6.39 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  | Yes |
| REDACTED | 357183 |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | true | No | No | No | No | Yes | 19157.37 | 8.498 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | No |  | Yes | Employed |  | No |  |  |  |  |

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** | **Primary Appraisal Occupancy** |
| REDACTED |  | 232298 | REDACTED | REDACTED | Debt Service Coverage Ratio | Missing | Yes | 1110 | 1575 | Lease |  |  |  |  | 1110 | Lease | No | 34.56 | 0.84 | 0.841 | REDACTED |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 |  | 4932 | No |  |  | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  | Tenant |
| REDACTED |  | 212967 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | No | 0 | 2400 | Appraisal |  |  |  |  | 2400 | Appraisal | No | 66.11 | 1.44 | 1.513 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No | 1 | 1 | 1 |  | 18.11 | No |  |  | Individual Guarantor | REDACTED | REDACTED | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |  | Tenant |
| REDACTED |  | 363025 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | Yes | 2500 | 2800 | Lease |  |  |  |  | 2500 | Lease | No | 84.98 | 1.33 | 1.177 | REDACTED |  | REDACTED | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.6 | 1 | 1 |  | 50.47 | No |  |  | Vested Individual | REDACTED | REDACTED | Vested Individual |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| REDACTED |  | 227535 | REDACTED | REDACTED | Debt Service Coverage Ratio | N/A |  |  |  |  |  |  |  |  | 2100 |  | No | 99.36 | 1.01 | 1.01 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.7 |  | 1 |  | 146.83 | No |  |  | Vested Individual | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Vacant |
| REDACTED |  | 134247 | REDACTED | REDACTED | ALT DOC | N/A | No |  |  | N/A |  |  |  |  |  | N/A | No |  |  | 0 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.4 | 1 | 1 |  | 61 | No |  |  | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Vacant |
| REDACTED |  | 241640 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | No | 2375 | 2375 | Appraisal |  |  |  |  | 2375 | Appraisal | No | 83.03 | 1.2 | 1.204 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  | No | No | 0.1 | 1 | 1 |  | 28 | No |  |  | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  | Owner |
| REDACTED |  | 172461 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | Yes | 3000 | 2900 | Appraisal |  |  |  |  | 2900 | Appraisal | No | 94.23 | 1.06 | 1.06 | REDACTED |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 |  | 8 | Yes | REDACTED | Corporation | Business Entity | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  | Yes | 1 |  | REDACTED | Vacant |
| REDACTED |  | 343904 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | Yes | 2300 | 3700 | Appraisal |  |  |  |  | 2300 | Appraisal | No | 158.69 | 1.01 | 1.014 | REDACTED |  | REDACTED | 12 |  | REDACTED | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  | No | No | 2.3 | 1 | 1 |  | 34.82 | No |  |  | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  | Tenant |
| REDACTED |  | 334981 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | Yes | 1750 | 1950 | Appraisal - 1007 |  |  |  |  | 1750 | Appraisal - 1007 | No | 90.73 | 1.23 | 1.102 | REDACTED |  | REDACTED | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 |  | 38.96 | No |  |  | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  | Tenant |
| REDACTED |  | 364797 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | Yes | 1450 | 1700 | Appraisal - 1007 |  |  |  |  | 1450 | Appraisal - 1007 | No |  | 1.04 | 1.038 | REDACTED |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  |  |  |  |  |  |  |  |  |  | No | 4.3 | 1 | 1 |  | 52.18 | No |  |  | Vested Individual | REDACTED | REDACTED | Vested Individual | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| REDACTED |  | 211582 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | Yes | 10108.33 | 0 | Appraisal - 1007 |  |  |  |  | 10108.33 | Appraisal - 1007 | No | 67.66 | 1.42 | 1.478 | REDACTED |  |  | 8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No | 30.8 | 1 | 1 |  | 49 | Yes | REDACTED | Limited Liability Corporation (LLC) | Business Entity | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | US Citizen | REDACTED | Yes | 2 |  |  | Vacant |
| REDACTED |  | 103899 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | Yes | 4250 | 0 | Appraisal - 1007 |  |  |  |  | 4250 | Appraisal - 1007 | No | 21.34 | 2.76 | 4.685 | REDACTED |  |  | 8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 |  | 149 | Yes | REDACTED | Limited Liability Corporation (LLC) | Vested Individual | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  | Yes | 1 |  | REDACTED | Vacant |
| REDACTED |  | 323976 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | No |  | 2450 | Appraisal |  |  |  |  | 2450 | Appraisal | No | 86.07 | 1.16 | 1.162 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 64000 |  |  |  |  |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | Bank / Credit Reference | 6 | No |  |  | Individual Guarantor | REDACTED | REDACTED | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |  | Vacant |
| REDACTED |  | 117756 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | Yes | 1850 | 2000 | Appraisal - 1007 |  |  |  |  | 1850 | Appraisal - 1007 | No | 80.2 | 1.25 | 1.247 | REDACTED |  | REDACTED | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 |  | 0 | Yes |  |  | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  | Tenant |
| REDACTED |  | 176017 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | No |  | 1240 | Appraisal |  |  |  |  | 1240 | Appraisal | No | 75.24 | 1.33 | 1.329 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14880 |  |  |  |  |  |  |  |  |  |  |  | No | 1.1 | 1 | 1 |  | 16 | No |  |  | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  | Vacant |
| REDACTED |  | 233749 | REDACTED | REDACTED | Debt Service Coverage Ratio | Missing | Yes | 2800 | 3500 | Appraisal |  |  |  |  | 2800 | Appraisal | No | 183.31 | 1.01 | 1.013 | REDACTED |  | REDACTED | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40000 |  |  |  |  |  |  |  |  |  |  |  | No | 17.1 | 1 | 1 | Bank / Credit Reference | 79 | No |  |  | Vested Individual | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| REDACTED |  | 188797 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | Yes | 4500 | 3800 | Appraisal |  |  |  |  | 3800 | Appraisal | No | 113.87 | 1.04 | 0.637 | REDACTED |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 |  |  |  |  |  |  |  |  |  |  |  | No | 11.2 | 1 | 1 |  | 48 | No |  |  | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  | Owner |
| REDACTED |  | 269403 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | Yes | 1675 | 1675 | Appraisal |  |  |  |  | 1675 | Appraisal | No | 90.15 | 1.11 | 1.11 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  | No | No | 0.1 | 1 | 1 |  | 5 | No |  |  | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  | Tenant |
| REDACTED |  | 111657 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | Yes | 3500 | 2500 | Lease |  |  |  |  | 2500 | Lease | No | 100.29 | 1.4 | 1.396 | REDACTED |  | REDACTED | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 |  | 99.92 | No |  |  | Vested Individual | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| REDACTED |  | 362874 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | No | 0 | 11000 | Appraisal |  |  |  |  | 11000 | Appraisal | No | 49.77 | 2.01 | 2.009 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 51500 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 |  | 23 | No |  |  | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  | Owner |
| REDACTED |  | 299076 | REDACTED | REDACTED | Debt Service Coverage Ratio | N/A | No | 0 | 4000 | Appraisal - 1007 |  |  |  |  | 4000 | Appraisal - 1007 | No | 99.53 | 1 | 1.005 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.9 | 1 | 1 |  | 178.78 | Yes | REDACTED | Limited Liability Corporation (LLC) | Individual Guarantor | REDACTED | REDACTED | Individual Guarantor | REDACTED | REDACTED | Individual Guarantor | REDACTED | REDACTED | Individual Guarantor | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | US Citizen | REDACTED | Yes | 6 |  |  | Vacant |
| REDACTED |  | 262184 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | Yes | 6000 | 6000 | Appraisal |  |  |  |  | 6000 | Appraisal | No | 84.27 | 1.13 | 1.187 | REDACTED |  | REDACTED | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  | No | No | 1.1 | 1 | 1 |  | 28 | No |  |  | Vested Individual | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| REDACTED |  | 331228 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | No | 2025 | 2025 | Appraisal |  |  |  |  | 2025 | Appraisal | No | 70.2 | 1.42 | 1.424 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  | No | No | 0.1 | 1 | 1 |  | 1162 | No |  |  | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  | Owner |
| REDACTED |  | 294416 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | No |  | 3200 | Appraisal |  |  |  |  | 3200 | Appraisal | No | 97.09 | 1.03 | 0.751 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 52120 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 |  | 314 | No |  |  | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  | Tenant |
| REDACTED |  | 115974 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | No | 2200 | 2200 | Appraisal |  |  |  |  | 2200 | Appraisal | No | 89.2 | 1.12 | 1.12 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  | No | No | 0.1 | 1 | 1 |  | 822 | No |  |  | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  | Owner |
| REDACTED |  | 296529 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | No | 2000 | 2000 | Appraisal |  |  |  |  | 2000 | Appraisal | No | 78.56 | 1.27 | 1.27 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  | No | No | 0.1 | 1 | 1 |  | 1016 | Yes | REDACTED | Limited Liability Corporation (LLC) | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  | Owner |
| REDACTED |  | 206169 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | No | 3950 | 3950 | Appraisal |  |  |  |  | 3950 | Appraisal | No | 76.6 | 1.31 | 1.305 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  | No | No | 0.1 | 1 | 1 |  | 18 | No |  |  | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  | Tenant |
| REDACTED |  | 357104 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | No | 1800 | 1800 | Appraisal |  |  |  |  | 1800 | Appraisal | No | 98.95 | 1.01 | 1.01 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.4 | 1 | 1 |  | 65 | No |  |  | Vested Individual | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| REDACTED |  | 174259 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | No |  | 2200 | Appraisal - 1007 |  |  |  |  | 2200 | Appraisal - 1007 | No | 76.87 | 1.06 | 1.301 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.9 | 1 | 1 |  | 12.76 | No |  |  | Individual Guarantor | REDACTED | REDACTED | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |  | Owner |
| REDACTED |  | 424191 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | No | 0 | 1995 | Appraisal |  |  |  |  | 1995 | Appraisal | No | 79.49 | 1.25 | 1.258 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 |  | 91 | Yes | REDACTED | Limited Liability Corporation (LLC) | Vested Individual | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  | Yes | 1 |  |  | Tenant |
| REDACTED |  | 487861 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | No | 0 | 20000 | Appraisal - 1007 |  |  |  |  | 20000 | Appraisal - 1007 | No | 39.68 | 1.87 | 2.52 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.8 | 1 | 1 |  | 45.74 | Yes | REDACTED | Limited Liability Corporation (LLC) | Individual Guarantor | REDACTED | REDACTED | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  | REDACTED | REDACTED | Unknown | Unknown | REDACTED | REDACTED | Unknown | Unknown | Yes | 4 |  |  | Vacant |
| REDACTED |  | 215226 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | Yes | 4990 | 5109 | Appraisal |  |  |  |  | 4990 | Appraisal | No | 55.01 | 1.68 | 1.82 | REDACTED |  | REDACTED |  |  |  |  |  | REDACTED |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  | Yes | 44445 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 |  | 32.14 | No |  |  | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  | Tenant |
| REDACTED |  | 401332 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | Yes | 1150 | 1200 | Appraisal |  |  |  |  | 1150 | Appraisal | No | 69.05 | 1.45 | 1.45 | REDACTED |  | REDACTED | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.8 | 1 | 1 |  | 115 | No |  |  | Vested Individual | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| REDACTED |  | 444036 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | No |  | 5850 | Short Term Rental |  |  |  |  | 5850 | Short Term Rental | No | 65.86 | 1.14 | 1.52 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  |  |  |  |  |  |  |  |  | No | 2.2 | 1 | 1 |  | 0 | No |  |  | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  | Vacant |
| REDACTED |  | 481542 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | Yes | 10750 | 10850 | Appraisal |  |  |  |  | 10750 | Appraisal | No | 79.93 | 1.25 | 1.251 | REDACTED |  | REDACTED | 12 |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  | No | No | 21.8 | 1 | 1 |  | 5.27 | No |  |  | Vested Individual | REDACTED | REDACTED | Vested Individual | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| REDACTED |  | 318809 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | Yes | 2000 | 3300 | Appraisal |  |  |  |  | 2000 | Appraisal | No | 166.22 | 1.04 | 0.602 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 |  | 186 | Yes | REDACTED | Limited Liability Corporation (LLC) | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  | Yes | 2 |  |  | Vacant |
| REDACTED |  | 487494 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | Yes | 2000 | 2100 | Appraisal |  |  |  |  | 2000 | Appraisal | No | 80.94 | 1.14 | 1.24 | REDACTED |  | REDACTED | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26000 |  |  |  |  |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 |  | 0 | Yes | REDACTED | Limited Liability Corporation (LLC) | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | REDACTED | Tenant |
| REDACTED |  | 242146 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | No | 0 | 3900 | Appraisal |  |  |  |  | 3900 | Appraisal | No | 254.29 | 1.17 | 0.393 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 |  | 102.62 | Yes | REDACTED | Limited Liability Corporation (LLC) | Individual Guarantor | REDACTED | REDACTED | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | US Citizen | REDACTED | Yes | 4 |  |  | Vacant |
| REDACTED |  | 103685 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | Yes | 16484.85 | 0 | Appraisal - 1007 |  |  |  |  | 16484.85 | Appraisal - 1007 | No | 46.2 | 2.49 | 2.165 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.8 | 1 | 1 |  | 37.34 | Yes | REDACTED | Limited Liability Corporation (LLC) | Business Entity | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | US Citizen | REDACTED | Yes | 2 |  |  | Tenant |
| REDACTED |  | 197943 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | Yes | 1850 | 2200 | Appraisal |  |  |  |  | 1850 | Appraisal | No | 99.95 | 1 | 1 | REDACTED |  | REDACTED | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 |  | 1994 | No |  |  | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  | Tenant |
| REDACTED |  | 112265 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | Yes | 8541.67 | 0 | Short Term Rental |  |  |  |  | 8541.67 | Short Term Rental | No | 45.59 | 1.06 | 2.193 | REDACTED |  |  | 9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 46600 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 |  | 28.94 | No |  |  | Individual Guarantor | REDACTED | REDACTED | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |  | Vacant |
| REDACTED |  | 411674 | REDACTED | REDACTED | Debt Service Coverage Ratio | N/A | Yes | 1100 | 2600 | Appraisal |  |  |  |  | 1100 | Appraisal | No | 215.99 | 1.01 | 1.01 | REDACTED |  | REDACTED | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17360 |  |  |  |  |  |  |  |  |  |  |  | No | 18.5 | 1 | 1 |  | 24.11 | Yes | REDACTED | Limited Liability Corporation (LLC) | Individual Guarantor | REDACTED | REDACTED | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  | REDACTED | Tenant |
| REDACTED |  | 286869 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | No |  | 4700 | Appraisal |  |  |  |  | 4700 | Appraisal | No | 85.21 | 1.12 | 1.17 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 29300 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 |  | 396.59 | No |  |  | Individual Guarantor | REDACTED | REDACTED | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |  | Owner |
| REDACTED |  | 480377 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | Yes | 2800 | 2500 | Appraisal |  |  |  |  | 2500 | Appraisal | No | 102.72 | 1 | 0.97 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 |  | 104.86 | Yes | REDACTED | Limited Liability Corporation (LLC) | Vested Individual | REDACTED | REDACTED | Vested Individual | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| REDACTED |  | 351023 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | No | 0 | 3300 | Appraisal |  |  |  |  | 3300 | Appraisal | No | 76.86 | 1.3 | 1.301 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 0 |  |  |  |  |  |  |  |  |  |  |  | No | 8.8 | 1 | 1 |  | 2.2 | Yes | REDACTED | Limited Liability Corporation (LLC) | Individual Guarantor | REDACTED | REDACTED | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  | REDACTED | Tenant |
| REDACTED |  | 272779 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | Yes | 3925 | 3500 | Appraisal |  |  |  |  | 3500 | Appraisal | No | 102.95 | 1.09 | 0.971 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 2 | 1 |  | 161 | Yes | REDACTED | Corporation | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  | Owner |
| REDACTED |  | 357145 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | Yes | 2000 | 2080 | Lease + 3 Mos Evidence of Receipt |  |  |  |  | 2000 | Lease + 3 Mos Evidence of Receipt | No | 92.69 | 1.08 | 1.079 | REDACTED |  | REDACTED | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 |  | 237.42 | No |  |  | Vested Individual | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Vacant |
| REDACTED |  | 276105 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | Yes | 2350 | 1925 | Appraisal |  |  |  |  | 1925 | Appraisal | No | 93.51 | 1.07 | 1.305 | REDACTED |  | REDACTED | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 |  | 0 | No |  |  | Vested Individual | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Vacant |
| REDACTED |  | 216326 | REDACTED | REDACTED | Debt Service Coverage Ratio | Present | No |  | 2200 | Appraisal |  |  |  |  | 2200 | Appraisal | No | 99.53 | 1 | 1.005 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 |  | 0 | No |  |  | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  | Tenant |
| REDACTED |  | 305340 | REDACTED | REDACTED | 12 Month Bank Statement | N/A | No |  |  | N/A |  |  |  |  |  | N/A | No |  |  | 0 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.5 | 1 | 1 |  | 167 | No |  |  | Individual Guarantor | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Owner |

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| REDACTED |  | 100005 | REDACTED | Interest Only Flag | notePage | Yes | Y |  |
| REDACTED |  | 100005 | REDACTED | LTV | propertyValuationPage | 88.11 | 88.889 |  |
| REDACTED |  | 100005 | REDACTED | CLTV | propertyValuationPage | 88.11 | 88.889 |  |
| REDACTED |  | 191849 | REDACTED | Property County | deedOfTrustPage | REDACTED | REDACTED |  |
| REDACTED |  | 232298 | REDACTED | LTV | propertyValuationPage | 74.68 | 75 |  |
| REDACTED |  | 232298 | REDACTED | CLTV | propertyValuationPage | 74.68 | 75 |  |
| REDACTED |  | 232298 | REDACTED | Interest Only Flag | notePage | Yes | Y |  |
| REDACTED |  | 212967 | REDACTED | Calculated DSCR | diligenceFinalLookPage | 1.513 | 1.44 |  |
| REDACTED |  | 363025 | REDACTED | Calculated DSCR | diligenceFinalLookPage | 1.177 | 1.33 |  |
| REDACTED |  | 191010 | REDACTED | Interest Only Flag | notePage | true | Y |  |
| REDACTED |  | 335950 | REDACTED | LTV | propertyValuationPage | 88 | 90 |  |
| REDACTED |  | 335950 | REDACTED | CLTV | propertyValuationPage | 88 | 90 |  |
| REDACTED |  | 335950 | REDACTED | Property Type | propertyValuationPage | Single Family Detached | PUD |  |
| REDACTED |  | 335950 | REDACTED | Interest Only Flag | notePage | true | Y |  |
| REDACTED |  | 219894 | REDACTED | Sales Price | the1008Page | REDACTED | REDACTED |  |
| REDACTED |  | 219894 | REDACTED | CLTV | propertyValuationPage | 89.17 | 89.841 |  |
| REDACTED |  | 219894 | REDACTED | LTV | propertyValuationPage | 89.17 | 89.841 |  |
| REDACTED |  | 134247 | REDACTED | Property County | deedOfTrustPage | REDACTED | REDACTED |  |
| REDACTED |  | 134247 | REDACTED | Higher Priced Mortgage Loan (HPML) Flag | complianceResultsPage | N/A | No |  |
| REDACTED |  | 134247 | REDACTED | Property City | notePage | REDACTED | REDACTED |  |
| REDACTED |  | 382163 | REDACTED | Interest Only Flag | notePage | Yes | Y |  |
| REDACTED |  | 382163 | REDACTED | LTV | propertyValuationPage | 83.67 | 85 |  |
| REDACTED |  | 382163 | REDACTED | CLTV | propertyValuationPage | 83.67 | 85 |  |
| REDACTED |  | 148111 | REDACTED | Interest Only Flag | notePage | true | Y |  |
| REDACTED |  | 241640 | REDACTED | LTV | propertyValuationPage | 77.27 | 80 |  |
| REDACTED |  | 241640 | REDACTED | CLTV | propertyValuationPage | 77.27 | 80 |  |
| REDACTED |  | 241640 | REDACTED | Interest Only Flag | notePage | true | Y |  |
| REDACTED |  | 241640 | REDACTED | Property Type | propertyValuationPage | Single Family Detached | PUD |  |
| REDACTED |  | 172461 | REDACTED | Borrower 1 Last Name | notePage | REDACTED | REDACTED |  |
| REDACTED |  | 172461 | REDACTED | Interest Only Flag | notePage | true | Y |  |
| REDACTED |  | 329578 | REDACTED | Higher Priced Mortgage Loan (HPML) Flag | complianceResultsPage | No | Yes |  |
| REDACTED |  | 453147 | REDACTED | Property Type | propertyValuationPage | Townhouse | Condominium |  |
| REDACTED |  | 453147 | REDACTED | LTV | propertyValuationPage | 84.82 | 85 |  |
| REDACTED |  | 453147 | REDACTED | CLTV | propertyValuationPage | 84.82 | 85 |  |
| REDACTED |  | 334981 | REDACTED | Interest Only Flag | notePage | Yes | Y |  |
| REDACTED |  | 334981 | REDACTED | Property Type | propertyValuationPage | Single Family Attached | PUD |  |
| REDACTED |  | 334981 | REDACTED | Calculated DSCR | diligenceFinalLookPage | 1.102 | 1.23 |  |
| REDACTED |  | 364797 | REDACTED | Property County | deedOfTrustPage | REDACTED | REDACTED |  |
| REDACTED |  | 211582 | REDACTED | Interest Only Flag | notePage | true | Y |  |
| REDACTED |  | 211582 | REDACTED | Property County | deedOfTrustPage | REDACTED | REDACTED |  |
| REDACTED |  | 211582 | REDACTED | Calculated DSCR | diligenceFinalLookPage | 1.478 | 1.42 |  |
| REDACTED |  | 211582 | REDACTED | Borrower 1 Origination FICO | creditLiabilitiesPage | 764 | 768 |  |
| REDACTED |  | 103899 | REDACTED | Calculated DSCR | diligenceFinalLookPage | 4.685 | 2.76 |  |
| REDACTED |  | 103899 | REDACTED | Property County | deedOfTrustPage | REDACTED | REDACTED |  |
| REDACTED |  | 323976 | REDACTED | CLTV | propertyValuationPage | 69.98 | 69.999 |  |
| REDACTED |  | 323976 | REDACTED | LTV | propertyValuationPage | 69.98 | 69.999 |  |
| REDACTED |  | 117756 | REDACTED | Interest Only Flag | notePage | Yes | Y |  |
| REDACTED |  | 176017 | REDACTED | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached |  |
| REDACTED |  | 233749 | REDACTED | Property Zip Code | notePage | REDACTED | REDACTED |  |
| REDACTED |  | 233749 | REDACTED | Interest Only Flag | notePage | Yes | Y |  |
| REDACTED |  | 188797 | REDACTED | Calculated DSCR | diligenceFinalLookPage | 0.637 | 1.04 |  |
| REDACTED |  | 188797 | REDACTED | Interest Only Flag | notePage | true | Y |  |
| REDACTED |  | 269403 | REDACTED | Property County | deedOfTrustPage | REDACTED | REDACTED |  |
| REDACTED |  | 269403 | REDACTED | Interest Only Flag | notePage | true | Y |  |
| REDACTED |  | 437761 | REDACTED | CLTV | propertyValuationPage | 88.45 | 89.999 |  |
| REDACTED |  | 437761 | REDACTED | LTV | propertyValuationPage | 88.45 | 89.999 |  |
| REDACTED |  | 437761 | REDACTED | Interest Only Flag | notePage | true | Y |  |
| REDACTED |  | 318090 | REDACTED | LTV | propertyValuationPage | 79.8 | 80 |  |
| REDACTED |  | 318090 | REDACTED | Borrower 1 Last Name | notePage | REDACTED | REDACTED |  |
| REDACTED |  | 318090 | REDACTED | CLTV | propertyValuationPage | 79.8 | 80 |  |
| REDACTED |  | 425994 | REDACTED | Higher Priced Mortgage Loan (HPML) Flag | complianceResultsPage | No | Yes |  |
| REDACTED |  | 111657 | REDACTED | Interest Only Flag | notePage | Yes | Y |  |
| REDACTED |  | 111657 | REDACTED | Escrow Flag | finalCdDetailPage | No | Yes |  |
| REDACTED |  | 132567 | REDACTED | Interest Only Flag | notePage | true | Y |  |
| REDACTED |  | 262184 | REDACTED | Calculated DSCR | diligenceFinalLookPage | 1.187 | 1.13 |  |
| REDACTED |  | 331228 | REDACTED | Interest Only Flag | notePage | true | Y |  |
| REDACTED |  | 294416 | REDACTED | LTV | propertyValuationPage | 74.89 | 75 |  |
| REDACTED |  | 294416 | REDACTED | CLTV | propertyValuationPage | 74.89 | 75 |  |
| REDACTED |  | 294416 | REDACTED | Interest Only Flag | notePage | Yes | Y |  |
| REDACTED |  | 115974 | REDACTED | Interest Only Flag | notePage | true | Y |  |
| REDACTED |  | 115974 | REDACTED | CLTV | propertyValuationPage | 82.82 | 85 |  |
| REDACTED |  | 115974 | REDACTED | LTV | propertyValuationPage | 82.82 | 85 |  |
| REDACTED |  | 296529 | REDACTED | Interest Only Flag | notePage | true | Y |  |
| REDACTED |  | 454128 | REDACTED | Interest Only Flag | notePage | true | Y |  |
| REDACTED |  | 206169 | REDACTED | Sales Price | the1008Page | REDACTED | REDACTED |  |
| REDACTED |  | 206169 | REDACTED | Property County | deedOfTrustPage | REDACTED | REDACTED |  |
| REDACTED |  | 206169 | REDACTED | Interest Only Flag | notePage | true | Y |  |
| REDACTED |  | 357104 | REDACTED | Interest Only Flag | notePage | Yes | Y |  |
| REDACTED |  | 174259 | REDACTED | Calculated DSCR | diligenceFinalLookPage | 1.301 | 1.06 |  |
| REDACTED |  | 174259 | REDACTED | Borrower 1 Origination FICO | creditLiabilitiesPage | 806 | 782 |  |
| REDACTED |  | 424191 | REDACTED | Calculated DSCR | diligenceFinalLookPage | 1.258 | 1.25 |  |
| REDACTED |  | 487861 | REDACTED | Calculated DSCR | diligenceFinalLookPage | 2.52 | 1.87 |  |
| REDACTED |  | 487861 | REDACTED | Property County | deedOfTrustPage | REDACTED | REDACTED |  |
| REDACTED |  | 487861 | REDACTED | LTV | propertyValuationPage | 77.78 | 80 |  |
| REDACTED |  | 487861 | REDACTED | CLTV | propertyValuationPage | 77.78 | 80 |  |
| REDACTED |  | 215226 | REDACTED | Calculated DSCR | diligenceFinalLookPage | 1.82 | 1.73 | The tape data is incorrect. The rental income calculator indicated an approved DSCR of 1.68. TSG has calculated a DSCR of 1.68. |
| REDACTED |  | 215226 | REDACTED | Escrow Flag | finalCdDetailPage | Partial | No | The final CD reflects the flood insurance is being escrowed. |
| REDACTED |  | 444036 | REDACTED | Calculated DSCR | diligenceFinalLookPage | 1.52 | 1.14 |  |
| REDACTED |  | 444036 | REDACTED | Interest Only Flag | notePage | true | Y |  |
| REDACTED |  | 444036 | REDACTED | Property Type | propertyValuationPage | PUD | Single Family Detached |  |
| REDACTED |  | 481542 | REDACTED | Interest Only Flag | notePage | true | Y |  |
| REDACTED |  | 318809 | REDACTED | Borrower 1 Origination FICO | creditLiabilitiesPage | 773 | 747 |  |
| REDACTED |  | 318809 | REDACTED | Calculated DSCR | diligenceFinalLookPage | 0.602 | 1.04 |  |
| REDACTED |  | 318809 | REDACTED | Interest Only Flag | notePage | Yes | Y |  |
| REDACTED |  | 487494 | REDACTED | Number of Units | propertyValuationPage | 0 | 1 |  |
| REDACTED |  | 487494 | REDACTED | Calculated DSCR | diligenceFinalLookPage | 1.24 | 1.14 |  |
| REDACTED |  | 242146 | REDACTED | LTV | propertyValuationPage | 52.41 | 80 |  |
| REDACTED |  | 242146 | REDACTED | Calculated DSCR | diligenceFinalLookPage | 0.393 | 1.17 |  |
| REDACTED |  | 242146 | REDACTED | CLTV | propertyValuationPage | 52.41 | 80 |  |
| REDACTED |  | 242146 | REDACTED | Interest Only Flag | notePage | true | Y |  |
| REDACTED |  | 103685 | REDACTED | Calculated DSCR | diligenceFinalLookPage | 2.165 | 2.49 |  |
| REDACTED |  | 103685 | REDACTED | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Two to Four Unit |  |
| REDACTED |  | 197943 | REDACTED | Property County | deedOfTrustPage | REDACTED | REDACTED |  |
| REDACTED |  | 197943 | REDACTED | Property Type | propertyValuationPage | Condominium High Rise | Condominium |  |
| REDACTED |  | 112265 | REDACTED | CLTV | propertyValuationPage | 78.62 | 80 |  |
| REDACTED |  | 112265 | REDACTED | Interest Only Flag | notePage | true | Y |  |
| REDACTED |  | 112265 | REDACTED | Calculated DSCR | diligenceFinalLookPage | 2.193 | 1.06 |  |
| REDACTED |  | 411674 | REDACTED | Interest Only Flag | notePage | Yes | Y |  |
| REDACTED |  | 286869 | REDACTED | CLTV | propertyValuationPage | 73.53 | 75 |  |
| REDACTED |  | 286869 | REDACTED | Calculated DSCR | diligenceFinalLookPage | 1.17 | 1.12 |  |
| REDACTED |  | 480377 | REDACTED | Calculated DSCR | diligenceFinalLookPage | 0.97 | 1 |  |
| REDACTED |  | 480377 | REDACTED | Interest Only Flag | notePage | true | Y |  |
| REDACTED |  | 351023 | REDACTED | Property Zip Code | notePage | REDACTED | REDACTED |  |
| REDACTED |  | 351023 | REDACTED | CLTV | propertyValuationPage | 74.19 | 79.75 |  |
| REDACTED |  | 272779 | REDACTED | Property County | deedOfTrustPage | REDACTED | REDACTED |  |
| REDACTED |  | 272779 | REDACTED | CLTV | propertyValuationPage | 69.15 | 70 |  |
| REDACTED |  | 272779 | REDACTED | Calculated DSCR | diligenceFinalLookPage | 0.971 | 1.09 |  |
| REDACTED |  | 357145 | REDACTED | Interest Only Flag | notePage | true | Y |  |
| REDACTED |  | 357145 | REDACTED | ULI | the1003Page | REDACTED | REDACTED |  |
| REDACTED |  | 276105 | REDACTED | Calculated DSCR | diligenceFinalLookPage | 1.305 | 1.07 |  |
| REDACTED |  | 276105 | REDACTED | Interest Only Flag | notePage | true | Y |  |
| REDACTED |  | 216326 | REDACTED | Sales Price | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 465246 | REDACTED | Higher Priced Mortgage Loan (HPML) Flag | complianceResultsPage | No | Yes |  |
| REDACTED |  | 391403 | REDACTED | LTV | propertyValuationPage | 79.87 | 80.00 |  |
| REDACTED |  | 391403 | REDACTED | Interest Only Flag | notePage | Yes | Y |  |
| REDACTED |  | 391403 | REDACTED | CLTV | propertyValuationPage | 79.87 | 80.00 |  |
| REDACTED |  | 305340 | REDACTED | Higher Priced Mortgage Loan (HPML) Flag | complianceResultsPage | N/A | No |  |
| REDACTED |  | 261742 | REDACTED | Borrower 1 Origination FICO | creditLiabilitiesPage | 762 | 755 |  |
| REDACTED |  | 355619 | REDACTED | Interest Only Flag | notePage | true | Y |  |
| REDACTED |  | 183973 | REDACTED | CLTV | propertyValuationPage | 74.36 | 75.00 |  |
| REDACTED |  | 183973 | REDACTED | Interest Only Flag | notePage | true | Y |  |
| REDACTED |  | 183973 | REDACTED | LTV | propertyValuationPage | 74.36 | 75.00 |  |
| REDACTED |  | 265011 | REDACTED | CLTV | propertyValuationPage | 89.12 | 90.00 |  |
| REDACTED |  | 265011 | REDACTED | LTV | propertyValuationPage | 89.12 | 90.00 |  |
| REDACTED |  | 357183 | REDACTED | CLTV | propertyValuationPage | 83.4 | 84.99 |  |
| REDACTED |  | 357183 | REDACTED | Interest Only Flag | notePage | true | Y |  |
| REDACTED |  | 357183 | REDACTED | LTV | propertyValuationPage | 83.4 | 84.99 |  |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| REDACTED |  | 100005 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA |  |  |
| REDACTED |  | 191849 D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-REDACTED <br>Resolved-Documentation Received. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. i have attached the borrowers ssi cards and on the 1003 it shows American citizen. The ids are in the file please let me know if you need something else - Seller-REDACTED <br>Open-CO BORROWER IS A PERMNANENT RESIDENT ALIEN. GREEN CARD WAS NOT LOCATED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. i have attached the borrowers ssi cards and on the 1003 it shows American citizen. The ids are in the file please let me know if you need something else - Seller-REDACTED<br>| Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 232298 D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. uploaded the note - Seller-REDACTED <br>Counter-I still have not received the Note. Both documents are Note addendums. I can not clear the finding at this time. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. correct note - Seller-REDACTED <br>Counter-The Note was not received. Could you please upload a copy of the Note for the subject transaction. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. uploaded the note - Seller-REDACTED <br>Open-The Note is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. uploaded the note - Seller-REDACTED <br>Ready for Review-Document Uploaded. correct note - Seller-REDACTED <br>Ready for Review-Document Uploaded. uploaded the note - Seller-REDACTED<br>| Resolved-The Note is Present - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 232298 D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing required 1-4 family rider | Resolved-Documentation received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. uploaded the correct - Seller-REDACTED <br>Counter-The loan file does contain the prepayment rider. The 1-4 family or assignment of rents rider is missing - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. mortgage and riders - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. uploaded the correct - Seller-REDACTED <br>Ready for Review-Document Uploaded. mortgage and riders - Seller-REDACTED<br>| Resolved-Documentation received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 212967 D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. correct insurance - Seller-REDACTED <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. correct insurance - Seller-REDACTED<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 212967 D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Resolved-Named Insured matches Borrower(s) Name(s) - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. correct name - Seller-REDACTED <br>Open-Named Insured does not match Borrower(s) Name(s) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. correct name - Seller-REDACTED<br>| Resolved-Named Insured matches Borrower(s) Name(s) - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 212967 D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Resolved-Subject Property on Note matches Insured Property Address - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. correct insurance - Seller-REDACTED <br>Open-Subject Property on Note does not match Insured Property Address - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. correct insurance - Seller-REDACTED<br>| Resolved-Subject Property on Note matches Insured Property Address - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 212967 D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. uploaded the insurance - Seller-REDACTED <br>Open-Hazard Insurance Policy Partially Provided The documentation received for the missing hazard insurance policy does not reflect the effective date and expiration date of the policy. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. uploaded the insurance - Seller-REDACTED<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 363025 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 191010 D A C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-REDACTED <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $910.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). THE SETTLEMENT FEE MOVED FROM (SECTION C) TO (SECTION B) ON THE FINAL CLOSING DISCLOSURE WITHOUT A VALID CHANGE IN CIRCUMSTANCE. THE CHANGE OF CIRCUMSTANCE CAN BE LOCATED ON PAGES:799,813,825,837. - Due Diligence Vendor-REDACTED <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-REDACTED |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 191010 D A C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. THE SETTLEMENT FEE MOVED FROM (SECTION C) TO (SECTION B) ON THE FINAL CLOSING DISCLOSURE WITHOUT A VALID CHANGE IN CIRCUMSTANCE. THERE WAS NO EVIDENCE OF THE REIMBURSEMENT IN THE FILE AT THE TIME OF REVIEW. - Due Diligence Vendor-REDACTED <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-REDACTED |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 191010 D A C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Ready for Review-Document Uploaded. uploaded the pccd - Seller-REDACTED | Ready for Review-Document Uploaded. uploaded the pccd - Seller-REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 191010 D A C | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. uploaded the flood cert - Seller-05/REDACTED | Ready for Review-Document Uploaded. uploaded the flood cert - Seller-REDACTED<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 335950 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: APOR | Non-QM: APOR | REDACTED | REDACTED | Primary Residence | Purchase | NA |  |  |
| REDACTED |  | 219894 C B A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Here is the response from the underwriter.<br>A: This is a moot issue. The appraisal is of real property, not of leased/chattel property. The appraiser gave no value to the leased solar and no commentary is required to address non- real property improvements. It would be like requesting an appraiser to address a leased Tesla parked in the garage on the property. - Seller-REDACTED <br>Open-Appraiser does not include commentary to include leased solar panels as disclosed in the purchase contract, page 662. Appraisal page 48, final page 3 - Due Diligence Vendor-REDACTED | Ready for Review-Here is the response from the underwriter.<br>A: This is a moot issue. The appraisal is of real property, not of leased/chattel property. The appraiser gave no value to the leased solar and no commentary is required to address non- real property improvements. It would be like requesting an appraiser to address a leased Tesla parked in the garage on the property. - Seller-REDACTED<br>|  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 219894 C B A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-here is the response form the underwriter:<br> Please see guidelines page 22 Business Funds/GL dated REDACTED: Analysis of large deposits is generally not required for business funds if the deposit with within the normal trend for the business. REDACTED statement shows business deposits of $REDACTED; REDACTED statement shows business deposits of $REDACTED; and REDACTED statement shows business deposits of $REDACTED. The $REDACTED deposit is not outside the normal amount of deposits being made to this business account and analysis is not required. 3-month cash analysis is attached. Appears use of funds will have no impact on business operation. - Seller-REDACTED <br> Open-Asset Qualification Does Not Meet Guideline Requirements. Cash flow analysis has not been provided to evidence the use of business funds will not have a negative impact on the business. 100% of the borrowers cash for closing, earnest money deposit and reserves are from the borrowers business account. Trasaction ledger further disclosed an unsourced deposit in the amount of $REDACTED0 on REDACTED which exceeds 50% of the borrowers qualifying monthly income. Statements/transaction ledgers page 238, 121, 141. - Due Diligence Vendor-REDACTED | Ready for Review-here is the response form the underwriter:<br> Please see guidelines page 22 Business Funds/GL dated REDACTED: Analysis of large deposits is generally not required for business funds if the deposit with within the normal trend for the business. REDACTED statement shows business deposits of REDACTED REDACTED statement shows business deposits of $REDACTED; and REDACTED statement shows business deposits of $REDACTED. The $REDACTED deposit is not outside the normal amount of deposits being made to this business account and analysis is not required. 3-month cash analysis is attached. Appears use of funds will have no impact on business operation. - Seller-REDACTED |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 219894 C B A | Closed | REDACTED | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Cash reserves less than required by guidelines | Acknowledged- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. uploaded the exception - Seller-REDACTED <br> Open-Loan to value in excess of 85% requires 12 months PITIA for reserves. Verified assets are $REDACTED, cash needed for closing $REDACTED per the final CD, page 367. $REDACTED-REDACTED = REDACTED available after close. Required reserves $REDACTED\*12 $REDACTED. The borrower is short $REDACTED. Transaction ledger further disclosed an unsourced deposit on REDACTED in the amount of $REDACTED which exceeds 50% of the borrowers monthly qualifying income. \*\*Approval letter on page 892 requires receipt of gift funds in the amount of $REDACTED. Gift letter, evidence of gift receipt has not been provided. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. uploaded the exception - Seller-REDACTED<br>| Acknowledged- - Due Diligence Vendor-REDACTED |  | DTI less than guideline requirement by 5% or more<br> Amount of residual income | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 219894 C B A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. uploaded the tax cert - Seller-REDACTED <br>Open-Missing Property Tax Cert Tax cert, new construction property tax worksheet has not been provided. \*Property taxes captured from first payment letter, page 398. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. uploaded the tax cert - Seller-REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 227535 C A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $REDACTED is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. uploaded the correct title - Seller-REDACTED <br> Open-Title Coverage Amount of $REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. uploaded the correct title - Seller-REDACTED<br>| Resolved-Title Coverage Amount of $REDACTED is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED |  |  | REDACTED | ATR/QM: Not Applicable | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 134247 C A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Resolved-Purchase Contract Expiration Date of REDACTED is equal to or after the Note Date of REDACTED Or Purchase Contract Does Not Exist (Loan Purpose is Purchase) - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. purchase contract addendum - Seller-REDACTED <br> Open-Purchase Contract Expiration Date of REDACTED is prior to Note Date of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. purchase contract addendum - Seller-REDACTED<br>| Resolved-Purchase Contract Expiration Date of REDACTED equal to or after the Note Date of REDACTED Or Purchase Contract Does Not Exist (Loan Purpose is Purchase) - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 382163 C B A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information B | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Documentation received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. uploaded the note and mortgage - Seller-REDACTED <br> Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. the score is acceptable - Seller-REDACTED <br> Open-CU Score of REDACTED in file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. uploaded the note and mortgage - Seller-REDACTED <br>Ready for Review-Document Uploaded. the score is acceptable - Seller-REDACTED<br>| Resolved-Documentation received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 382163 C B A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Resolved-Documentation received - Due Diligence Vendor-REDACTED <br> Ready for Review-we should get the correct documents to you soon - Seller-REDACTED <br> Ready for Review-please disregard the documents that I uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Yes, the DOT and Note should match and accurately represent the subject property. - Due Diligence Vendor-REDACTED <br> Ready for Review-The address on the note is incorrect will you need the dot fixed too? - Seller-REDACTED <br> Counter-The investor would likely want that addressed prior to purchase to minimize the exceptions for the custodian. - Due Diligence Vendor-REDACTED <br> Ready for Review-Hello will you need the note and dot fixed? - Seller-REDACTED <br> Open-Subject Property on Note does not match Insured Property Address Subject property city is disclosed on hazard insurance and flood cert as REDACTED. Note, Deed of Trust disclosed property city as REDACTED. \*Title, purchase contract, appraisal also indicate the subject city as REDACTED. Hazard page 659, flood cert page 300, title page 307, contract page 676, appraisal page 5. Borrower identification page 199.<br> - Due Diligence Vendor-REDACTED | Ready for Review-we should get the correct documents to you soon - Seller-REDACTED <br>Ready for Review-please disregard the documents that I uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-The address on the note is incorrect will you need the dot fixed too? - Seller-REDACTED <br>Ready for Review-Hello will you need the note and dot fixed? - Seller-REDACTED<br>| Resolved-Documentation received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 148111 C A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Ready for Review-Document Uploaded. uploaded the cd showing the REDACTED :) - Seller-REDACTED <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). THE DISCOUNT POINTS WERE DISCLOSED ON THE ORIGINAL LE WERE DISCLOSED AS $REDACTED. THE FINAL CD DISCLOSED THE DISCOUNT POINTS AS $REDACTED AND NO COC WAS INCLUDED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. uploaded the cd showing the REDACTED - Seller-REDACTED |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 317039 D B A | Closed | REDACTED | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Acknowledged-Standard practice to not require contract extension based on continuation verbiage in sales contract and executed Closing Disclosure reflecting same information as found in contract. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. title had said they did not need a purchase addendum regarding the date on the purchase contract. They sent the final settlement statement - Seller-REDACTED <br> Open-Purchase Contract Expiration Date of REDACTED is prior to Note Date of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. title had said they did not need a purchase addendum regarding the date on the purchase contract. They sent the final settlement statement - Seller-REDACTED<br>| Acknowledged-Standard practice to not require contract extension based on continuation verbiage in sales contract and executed Closing Disclosure reflecting same information as found in contract. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 317039 D B A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. hoi is dated before the pccd. The hoi is correct - Seller-REDACTED <br> Open-Hazard Insurance Effective Date of REDACTED is after the Note Date of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. hoi is dated before the pccd. The hoi is correct - Seller-REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 317039 D B A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. flood cert - Seller-REDACTED <br>Open-Missing Flood Certificate - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. flood cert - Seller-REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 317039 D B A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information B A | Compliance | Disclosure | CA Consumer Caution and Homeownership Counseling Notice | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. counseling - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-State Disclosure Question: Consumer Caution and Homeownership Counseling Notice is Missing AllRegs shows this is a required document and was missing from the file. - Due Diligence Vendor-REDACTED <br>Open-State Disclosure Question: Consumer Caution and Homeownership Counseling Notice is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. counseling - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 317039 D B A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information B A | Compliance | Disclosure | CA Mortgage Loan Disclosure Statement | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. uploaded the correct doc - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-State Disclosure Question: Mortgage Loan Disclosure Statement is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. uploaded the correct doc - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 241640 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA |  |  |
| REDACTED |  | 172461 C B A | Closed | REDACTED | REDACTED | REDACTED | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. uploaded the exception for the open condition - Seller-REDACTED <br> Open-Evidence of receipt of the security deposit has not been provided. New lease begins REDACTED, the subject was vacant at time of appraisal. Investor guidelines require an additional LTV reduction of 5% for vacant or unleased property. A copy of the new lease has been provided, however, evidence of the receipt of the security deposit has not been provided. \*\*Bank transaction ledger on page 308 disclosed the dollar amount of the security deposit required of REDACTED on REDACTED, however, unable to determine the payee or payor. Appraisal page 1, lease page 387, transaction ledger page 308. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. uploaded the exception for the open condition - Seller-REDACTED<br>|  |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 329578 C A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | TRID Disclosure Delivery and Receipt Date Validation Test | Open-This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings:The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. - Due Diligence Vendor-REDACTED |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 329578 C A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Documentation Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. uploaded the pccd - Seller-REDACTED <br>Open-This loan failed the TILA right of rescission test.<br>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. <br>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. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. uploaded the pccd - Seller-REDACTED<br>| Resolved-Documentation Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 453147 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA |  |  |
| REDACTED |  | 343904 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Purchase | NA |  |  |
| REDACTED |  | 334981 C A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $REDACTED is equal to or greater than Total Required Reserve Amount of $REDACTED - Due Diligence Vendor-REDACTED <br> Open-Total Qualified Assets for Reserves Post-Close of $REDACTED is less than Total Required Reserve Amount of $REDACTED - Due Diligence Vendor-REDACTED |  | Resolved-Total Qualified Assets for Reserves Post-Close of $61856.21 is equal to or greater than Total Required Reserve Amount of $3175.7 - Due Diligence Vendor-03/07/2023<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| REDACTED |  | 364797 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |
| REDACTED |  | 211582 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Purchase | NA |  |  |
| REDACTED |  | 103899 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 323976 C A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. uploaded the addendum - Seller-REDACTED <br>Open-Purchase Contract Expiration Date of REDACTED is prior to Note Date of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. uploaded the addendum - Seller-REDACTED<br>|  |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 117756 A |  | REDACTED | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 176017 A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. documents to clear the conditions. - Seller-REDACTED <br> Open-Borrower 1 Citizenship Documentation Is Missing - Borrower is a Perm Resident Alien and needs to provide acceptable documentation to meet investors guidelines on p 8 of REDACTED REDACTED DSCR guides. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. documents to clear the conditions. - Seller-REDACTED<br>| Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 176017 A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. uploaded the correct hoi - Seller-REDACTED <br>Open-Hazard Insurance Effective Date of REDACTED is after the Note Date of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. uploaded the correct hoi - Seller-REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 233749 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 188797 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA |  |  |
| REDACTED |  | 269403 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA |  |  |
| REDACTED |  | 437761 C A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-Documentation received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. uploaded the 1003 - Seller-REDACTED <br> Open-Investor guidelines require the lessor of 4 months bank statements or year to date average to support the income used for qualifying. Bank statements have been provided for REDACTED, REDACTED and REDACTED; qualifying income of $REDACTED is not supported. Income worksheet (YTD calculated through 3/2) page 350, transaction ledger (through 3/28) page 71, REDACTED statement page 65, REDACTED statement page 90, 1099s page 352, 353. \*all deposits including ATM and Zelle payments for REDACTED, REDACTED and REDACTED total $REDACTED\*.90/REDACTED which supports REDACTED per month. \*\*Calculated DTI of REDACTED (based on Note/360 months) is within investor guideline maximum of 50% - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. uploaded the 1003 - Seller-REDACTED<br>| Resolved-Documentation received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 437761 C A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Documentation Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrowers asset statement / transaction history provided to evidence proceeds from sale of home disclosed a wire to REDACTED in the amount of $REDACTED on REDACTED with reference REDACTED. Documentation or disclosure of additional REO has not been provided. Approval letter, item 103 further required LOE for inquiry with Checkpoint Screening which is disclosed as 'Finance Reseller' on REDACTED which has not been addressed. <br> Tranasction history page 71 (wire page 74), undisclosed debt notification report page 170, approval letter page 644. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Documentation Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 437761 C A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Asset Qualification Does Not Meet Guideline Requirements Borrower is using business account as source of funds to close and reserves, documentation to evidence that the borrower is 100% owner of the LLC / asset account has not been provided. Statements page 65, 91, 104, 71. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 437761 C A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. uploaded the addendum - Seller-REDACTED <br>Open-Purchase Contract Expiration Date of REDACTED is prior to Note Date of REDACTED Purchase agreement is out of contract. Settlement to take place 30 days from acceptance date of REDACTED. An addendum was provided on 3/29 to include seller paid closing costs, however, does not extend the settlement date. Contract page 561, Note page 320, addendum page 591. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. uploaded the addendum - Seller-REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 318090 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA |  |  |
| REDACTED |  | 425994 C A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. the hoi goes off the disbursement date REDACTED <br>Open-HO-6 Insurance Policy Effective Date of REDACTED is after the Note Date of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. the hoi goes off the disbursement date REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 111657 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: APOR | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 139388 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 362874 D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. uploaded the 1003 - Seller-REDACTED <br>Open-The Initial 1003 is Missing The Initial 1003 not located in file during review. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. uploaded the 1003 - Seller-REDACTED<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 299076 C A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Resolved-Purchase Contract Expiration Date of REDACTED is equal to or after the Note Date of REDACTED Or Purchase Contract Does Not Exist (Loan Purpose is Purchase) - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. uploaded the correct addendum - Seller-REDACTED <br>Counter-Purchase Contract Expired on REDACTED and loan closed on REDACTED. Exception remains. - Due Diligence Vendor-REDACTED <br>Ready for Review-I was told by title we closed ontime. - Seller-REDACTED <br>Open-Purchase Contract Expiration Date of REDACTED is prior to Note Date of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. uploaded the correct addendum - Seller-REDACTED <br>Ready for Review-I was told by title we closed ontime. - Seller-REDACTED<br>| Resolved-Purchase Contract Expiration Date of REDACTED is equal to or after the Note Date of REDACTED Or Purchase Contract Does Not Exist (Loan Purpose is Purchase) - Due Diligence Vendor-REDACTED |  |  | REDACTED | ATR/QM: Not Applicable | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 132567 C A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. uploaded the purchase contract addedum - Seller-REDACTED <br>Open-Purchase Contract Expiration Date of REDACTED is prior to Note Date of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. uploaded the purchase contract addedum - Seller-REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 132567 C A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. purchase contract addendum - Seller-REDACTED <br> Open-Title Coverage Amount of $REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. purchase contract addendum - Seller-REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 262184 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 331228 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA |  |  |
| REDACTED |  | 294416 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Purchase | NA |  |  |
| REDACTED |  | 447332 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 437505 C A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Credit history does not meet guidelines | Resolved-Documentation Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. CREDIT REPORT - Seller-REDACTED <br>Open-Borrower has only one active tradeline over 12 months old. None of the closed tradelines was active in the last 12/24 months. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. CREDIT REPORT - Seller-REDACTED<br>| Resolved-Documentation Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 115974 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA |  |  |
| REDACTED |  | 296529 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA |  |  |
| REDACTED |  | 454128 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 206169 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Purchase | NA |  |  |
| REDACTED |  | 357104 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |
| REDACTED |  | 174259 C A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. uploaded the addendum - Seller-REDACTED <br>Open-Purchase Contract Expiration Date of REDACTED is prior to Note Date of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. uploaded the addendum - Seller-REDACTED<br>|  |  |  | REDACTED | ATR/QM: Not Applicable | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 424191 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 487861 C B A | Closed | REDACTED | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Acknowledged-We acknowledge the seller and borrower agreed. However, the documentation stated in the last sentence in Section A "Any extension of this date must be agreed to by the parties in writing". - Due Diligence Vendor-REDACTED <br> Acknowledged- - Due Diligence Vendor-REDACTED <br> Ready for Review-the underwriter has said we did not need the exception since the seller and borrower agreed. - Seller-REDACTED <br> Counter-Could you do an exception for the date? - Due Diligence Vendor-REDACTED <br> Ready for Review-Hello,<br>I have been told we will not be able to obtain the addendum. Please let me know if there is anything we can do, - Seller-REDACTED <br> Counter-The addendum extended the closing date to REDACTED from REDACTED. However, the loan closed on REDACTED. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. uploaded the purchase contract addendum - Seller-REDACTED | Ready for Review-the underwriter has said we did not need the exception since the seller and borrower agreed. - Seller-REDACTED <br>Ready for Review-Hello,<br>I have been told we will not be able to obtain the addendum. Please let me know if there is anything we can do, - Seller-REDACTED <br>Ready for Review-Document Uploaded. uploaded the purchase contract addendum - Seller-REDACTED<br>| Acknowledged-We acknowledge the seller and borrower agreed. However, the documentation stated in the last sentence in Section A "Any extension of this date must be agreed to by the parties in writing". - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Not Applicable | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 215226 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 401332 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 444036 D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Documentation received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. uploaded the loi - Seller-REDACTED <br>Ready for Review-Document Uploaded. uploaded the oud - Seller-REDACTED <br>Counter-The PUD rider was not included in the documentation. The Deed of Trust does not indicate the PUD rider as included with a check mark. Could you please upload the PUD rider? - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. mortagge docs and riders - Seller-REDACTED <br>Open-PUD Rider is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. uploaded the loi - Seller-REDACTED <br>Ready for Review-Document Uploaded. uploaded the oud - Seller-REDACTED <br>Ready for Review-Document Uploaded. mortagge docs and riders - Seller-REDACTED<br>| Resolved-Documentation received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 481542 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |
| REDACTED |  | 318809 D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing credit report | Resolved-Credit Report is Provided - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED I have uploaded the credit report again. - Seller-REDACTED <br> Counter-The document uploaded comes up as an error. Could you please try to send it again. Thank you - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. uploaded the credit report - Seller-REDACTED <br> Open-Credit Report is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED I have uploaded the credit report again. - Seller-REDACTED <br> Ready for Review-Document Uploaded. uploaded the credit report - Seller-REDACTED | Resolved-Credit Report is Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 318809 D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $REDACTED is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. uploaded the correct title - Seller-REDACTED <br> Open-Title Coverage Amount of $REDACTEDis Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. uploaded the correct title - Seller-REDACTED<br>| Resolved-Title Coverage Amount of $536250 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 318809 D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-Hazard Insurance Coverage Amount of $REDACTED is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of $REDACTED - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. hoi - Seller-REDACTED <br> Ready for Review-Document Uploaded. uploaded the rce - Seller-REDACTED <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $REDACTED is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. hoi - Seller-REDACTED <br>Ready for Review-Document Uploaded. uploaded the rce - Seller-REDACTED<br>| Resolved-Hazard Insurance Coverage Amount of $300000 is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of $0 - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 487494 A |  | REDACTED | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |
| REDACTED |  | 242146 C A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Resolved-Purchase Contract Expiration Date of REDACTED is equal to or after the Note Date of REDACTED Or Purchase Contract Does Not Exist (Loan Purpose is Purchase) - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. uploaded the purchase contract addendum - Seller-REDACTED <br>Rescinded-Purchase Contract Expiration Date of REDACTED is prior to Note Date of REDACTED Closing took place within 7 days of expiration - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. uploaded the purchase contract addendum - Seller-REDACTED<br>| Resolved-Purchase Contract Expiration Date of REDACTEDis equal to or after the Note Date of REDACTED Or Purchase Contract Does Not Exist (Loan Purpose is Purchase) - Due Diligence Vendor-REDACTED <br> Rescinded-Purchase Contract Expiration Date ofREDACTED is prior to Note Date of V Closing took place within 7 days of expiration - Due Diligence Vendor-REDACTED |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 242146 C A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $REDACTEDis equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. uploaded the title - Seller-REDACTED <br> Rescinded-Title Coverage Amount of $REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. uploaded the title - Seller-REDACTED<br>| Resolved-Title Coverage Amount of $REDACTEDis equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Rescinded-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 103685 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 197943 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA |  |  |
| REDACTED |  | 112265 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA |  |  |
| REDACTED |  | 411674 D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Other Rider is Missing | Resolved-Documentation received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. uploaded the rider - Seller-REDACTED <br>Open-Prepayment Penalty rider was not located in the loan file - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. uploaded the rider - Seller-REDACTED<br>| Resolved-Documentation received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 286869 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Purchase | NA |  |  |
| REDACTED |  | 480377 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 351023 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Purchase | NA |  |  |
| REDACTED |  | 272779 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA |  |  |
| REDACTED |  | 357145 D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Bank Statements Missing | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-the underwriter said we did need the bank statements since this is a refi. we should nto need 2 months - Seller-REDACTED <br> Open-The GL's require 2 months recent bank statements. For REDACTED account #REDACTED, there is one statement for REDACTED on file and only one other statement from REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-the underwriter said we did need the bank statements since this is a refi. we should nto need 2 months - Seller-REDACTED<br>|  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 276105 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |
| REDACTED |  | 216326 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA |  |  |
| REDACTED |  | 169442 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| REDACTED |  | 465246 D A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. uploaded the hoi - Seller-REDACTED <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. uploaded the hoi - Seller-REDACTED<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 391403 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA |  |  |
| REDACTED |  | 305340 C A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. HOI goes off the funded disbursement date in ca - Seller-REDACTED <br>Open-Hazard Insurance Effective Date of REDACTED is after the Note Date of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. HOI goes off the funded disbursement date in ca - Seller-REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Not Applicable | REDACTED | REDACTED | Investment | Purchase | NA | N/A | N/A |
| REDACTED |  | 261742 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 355619 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 183973 C A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. The insurance goes off the disbursement date - Seller-REDACTED <br>Open-Hazard Insurance Effective Date of REDACTED is after the Note Date of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. The insurance goes off the disbursement date - Seller-REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 265011 C A | Closed | REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. uploaded the addendum - Seller-REDACTED <br>Open-Purchase Contract Expiration Date of REDACTED is prior to Note Date of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. uploaded the addendum - Seller-REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 311982 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 357183 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA |  |  |

---

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| REDACTED |  | 100005 | REDACTED |
| REDACTED |  | 191849 | REDACTED |
| REDACTED |  | 232298 | REDACTED |
| REDACTED |  | 212967 | REDACTED |
| REDACTED |  | 363025 | REDACTED |
| REDACTED |  | 191010 | REDACTED |
| REDACTED |  | 335950 | REDACTED |
| REDACTED |  | 219894 | REDACTED B |
| REDACTED |  | 227535 | REDACTED |
| REDACTED |  | 134247 | REDACTED |
| REDACTED |  | 382163 | REDACTED B |
| REDACTED |  | 148111 | REDACTED |
| REDACTED |  | 317039 | REDACTED B |
| REDACTED |  | 241640 | REDACTED |
| REDACTED |  | 172461 | REDACTED B |
| REDACTED |  | 329578 | REDACTED |
| REDACTED |  | 453147 | REDACTED |
| REDACTED |  | 343904 | REDACTED |
| REDACTED |  | 334981 | REDACTED |
| REDACTED |  | 364797 | REDACTED |
| REDACTED |  | 211582 | REDACTED |
| REDACTED |  | 103899 | REDACTED |
| REDACTED |  | 323976 | REDACTED |
| REDACTED |  | 117756 | REDACTED |
| REDACTED |  | 176017 | REDACTED |
| REDACTED |  | 233749 | REDACTED |
| REDACTED |  | 188797 | REDACTED |
| REDACTED |  | 269403 | REDACTED |
| REDACTED |  | 437761 | REDACTED |
| REDACTED |  | 318090 | REDACTED |
| REDACTED |  | 425994 | REDACTED |
| REDACTED |  | 111657 | REDACTED |
| REDACTED |  | 139388 | REDACTED |
| REDACTED |  | 362874 | REDACTED |
| REDACTED |  | 299076 | REDACTED |
| REDACTED |  | 132567 | REDACTED |
| REDACTED |  | 262184 | REDACTED |
| REDACTED |  | 331228 | REDACTED |
| REDACTED |  | 294416 | REDACTED |
| REDACTED |  | 447332 | REDACTED |
| REDACTED |  | 437505 | REDACTED |
| REDACTED |  | 115974 | REDACTED |
| REDACTED |  | 296529 | REDACTED |
| REDACTED |  | 454128 | REDACTED |
| REDACTED |  | 206169 | REDACTED |
| REDACTED |  | 357104 | REDACTED |
| REDACTED |  | 174259 | REDACTED |
| REDACTED |  | 424191 | REDACTED |
| REDACTED |  | 487861 | REDACTED B |
| REDACTED |  | 215226 | REDACTED |
| REDACTED |  | 401332 | REDACTED |
| REDACTED |  | 444036 | REDACTED |
| REDACTED |  | 481542 | REDACTED |
| REDACTED |  | 318809 | REDACTED |
| REDACTED |  | 487494 | REDACTED |
| REDACTED |  | 242146 | REDACTED |
| REDACTED |  | 103685 | REDACTED |
| REDACTED |  | 197943 | REDACTED |
| REDACTED |  | 112265 | REDACTED |
| REDACTED |  | 411674 | REDACTED |
| REDACTED |  | 286869 | REDACTED |
| REDACTED |  | 480377 | REDACTED |
| REDACTED |  | 351023 | REDACTED |
| REDACTED |  | 272779 | REDACTED |
| REDACTED |  | 357145 | REDACTED |
| REDACTED |  | 276105 | REDACTED |
| REDACTED |  | 216326 | REDACTED |
| REDACTED |  | 169442 | REDACTED |
| REDACTED |  | 465246 | REDACTED |
| REDACTED |  | 391403 | REDACTED |
| REDACTED |  | 305340 | REDACTED |
| REDACTED |  | 261742 | REDACTED |
| REDACTED |  | 355619 | REDACTED |
| REDACTED |  | 183973 | REDACTED |
| REDACTED |  | 265011 | REDACTED |
| REDACTED |  | 311982 | REDACTED |
| REDACTED |  | 357183 | REDACTED |

---

---

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** |
| REDACTED |  | 100005 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 11796 | REDACTED | 3.960% | Manual Underwriting | Manual Underwriting | No | 5.803% |  | 5.750% | 6.125% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A | REDACTED |  | REDACTED |  | Annually | 34.91% | 32.23% | 32.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes |  | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  |  | 0 |  |  |  |  | Yes | 72 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 775 |  |  |  |  |  |  |
| REDACTED |  | 191849 | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 6650 | REDACTED | 3.830% | Manual Underwriting | Manual Underwriting | No | 5.977% |  | 5.750% | 5.750% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | $3000.00 | N/A |  |  | $0.00 |  | Monthly | 42.72% | 44.16% | 44.16% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | Full Doc | 1 | 1 | 1 Month | 1 Month |  | 0 |  |  | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 100.00% |  |  | 0 |  |  |  | 0 | NA | 0 | No | 0 | NA | 0 | 0 |  | NA | 0 | 0 |  | No | 0 |  |  | Borrower - Wage, Wage, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2022, 2021 \|\| Co Borrower - Wage, Other - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2021, 2022 | Borrower - 3 YRS Executed 4506T Verified - 2022, 2021 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2021, 2022 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 748 |  |  |  |  |  |  |
| REDACTED |  | 232298 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.375% | 6.375% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 0.841 |  |  | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 776 |  |  |  |  |  |  |
| REDACTED |  | 212967 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.250% | 6.250% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  | N/A | 0 |  | N/A |  | 0 | NA | 0 | No | 0 | NA | 0 | 0 |  | NA | 0 | 0 |  | Yes | 1.513 |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 755 |  |  |  |  |  |  |
| REDACTED |  | 363025 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.000% | 6.000% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.177 |  | N/A | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 697 |  |  |  |  |  |  |
| REDACTED |  | 191010 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 12275 | REDACTED | 3.960% | Manual Underwriting | Manual Underwriting | No | 7.098% |  | 7.000% | 7.000% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | $7853.83 | N/A |  |  | $0.00 |  | Monthly | 48.08% | 52.48% | 49.56% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months |  | 0 |  |  | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | Yes |  | 12 | 24 | Yes |  | 12 | 0 | 89.50% | 100.00% | 0.00% |  | N/A | 0 |  | N/A |  | 0 | Yes | 48 | No | 0 | NA | 0 | 0 |  | NA | 0 | 0 |  | No | 0 |  | N/A | Borrower - Other, Other, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified, Lease Agreements Verified - 2021, 2022 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, Personal Bank Statements Verified, Lease Agreements Verified - 2020, 2021 | Borrower - Executed 4506T Verified - 2021, 2022 \|\| Co Borrower - Executed 4506T Verified - 2020, 2021 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 719 |  |  |  |  |  |  |
| REDACTED |  | 335950 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: APOR | Yes | No | No | N/A | Appendix Q Documentation | 8111.8 | REDACTED | 3.830% | Manual Underwriting | Manual Underwriting | No | 7.648% |  | 7.625% | 7.625% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A | REDACTED |  | REDACTED | REDACTED | Monthly | 46.77% | 45.40% | 45.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes |  | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - Personal Bank Statements Verified - 2021, 2022 | Borrower - 2021, 2022 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 709 |  |  |  |  |  |  |
| REDACTED |  | 219894 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 14009.06 | REDACTED | 3.920% | Manual Underwriting | Manual Underwriting | No | 6.337% |  | 5.875% | 5.875% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | $42611.15 | N/A | REDACTED |  | REDACTED | REDACTED | Monthly | 11.08% | 12.99% | 12.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes |  | 0 | 14 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  | N/A | Borrower - Other - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2022, 2021 | Borrower - 3 YRS Executed 4506T Verified - 2022, 2021 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 737 |  |  |  |  |  |  |
| REDACTED |  | 227535 | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | Yes | No | No |  | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 4.875% | 4.875% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.01 |  |  | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 744 |  |  |  |  |  |  |
| REDACTED |  | 134247 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | Yes | No | No | N/A | Appendix Q Documentation | 0 | REDACTED | 3.960% | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 5.375% | 5.375% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | REDACTED |  | Annually | 47.31% | 47.11% | 47.11% | Yes |  |  |  |  |  |  |  | Retired |  |  |  |  |  | ALT DOC | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | Yes NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 24 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SSI and Disability, SSI and Disability, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Award Letter Verified, Lease Agreements Verified | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 640 |  |  |  |  |  |  |
| REDACTED |  | 382163 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 17291.15 | REDACTED | 3.830% | Manual Underwriting | Manual Underwriting | No | 6.499% |  | 6.375% | 6.375% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | $50486.07 | N/A | REDACTED |  | $0.00 | REDACTED | Monthly | 23.08% | 24.33% | 24.33% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes |  | 0 | 12 | Yes |  | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 |  | N/A |  | 0 | Yes | 216 | Yes | 0 | NA | 0 | 0 |  | NA | 0 | 0 |  | No | 0 |  |  | Borrower - Other, Other - CPA Letter Verified, Balance Sheet Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2022, 2021 \|\| Co Borrower - Other, Other - CPA Letter Verified, Balance Sheet Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2022, 2021 | Borrower - 3 YRS Executed 4506T Verified - 2022, 2021 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2022, 2021 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 754 |  |  |  |  |  |  |
| REDACTED |  | 148111 | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 2761.2 | REDACTED | 3.960% | Manual Underwriting | Manual Underwriting | No | 5.600% |  | 5.500% | 5.500% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 31.94% | 32.97% | 32.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes |  | 0 | 14 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 683 |  |  |  |  |  |  |
| REDACTED |  | 317039 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6583.16 | REDACTED | 3.960% | Manual Underwriting | Manual Underwriting | No | 5.304% |  | 5.125% | 5.125% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 41.37% | 41.25% | 41.25% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes |  | 0 | 12 | No |  | 0 | 0 | 100.00% | 100.00% |  |  |  | 0 |  |  |  | 0 | Yes | 60 | No | 0 | NA | 0 | 0 |  | NA | 0 | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 720 |  |  |  |  |  |  |
| REDACTED |  | 241640 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.125% | 6.125% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A | REDACTED |  | REDACTED |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.204 |  | N/A | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 743 |  |  |  |  |  |  |
| REDACTED |  | 172461 | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Exempt | Yes | No | No |  | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.500% | 5.500% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A | REDACTED |  | $0.00 | REDACTED | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.06 |  |  | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 805 |  |  |  |  |  |  |
| REDACTED |  | 329578 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5435 | REDACTED | 4.230% | Manual Underwriting | Manual Underwriting | No | 5.483% |  | 5.375% | 5.375% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 49.83% | 49.83% | 49.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes |  | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  |  | 0 |  |  |  |  | Yes | 132 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Personal Bank Statements Verified | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 769 |  |  |  |  |  |  |
| REDACTED |  | 453147 | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 17617 | REDACTED | 3.960% | Manual Underwriting | Manual Underwriting | No | 6.182% |  | 6.000% | 6.000% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | $0.00 | N/A | REDACTED |  | REDACTED |  | Monthly | 27.38% | 27.38% | 27.38% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 | 0 | 2+ Months | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 1 | 1 | NA | No | No | 0 | No | Yes |  | 2 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  | NA | 0 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified, Personal Bank Statements Verified - 2020, 2021, 2022 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2020, 2021, 2022 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 725 |  |  |  |  |  |  |
| REDACTED |  | 343904 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.500% | 5.500% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.014 |  |  | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 793 |  |  |  |  |  |  |
| REDACTED |  | 334981 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A | REDACTED |  | REDACTED | REDACTED | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.102 |  |  | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 698 |  |  |  |  |  |  |
| REDACTED |  | 364797 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.375% | 5.375% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  | Proceeds from Sale | N/A | 0 |  | N/A |  | 0 | NA | 0 | No | 0 | NA | 0 | 0 |  | NA | 0 | 0 |  | Yes | 1.038 |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 764 |  |  |  |  |  |  |
| REDACTED |  | 211582 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.250% | 6.250% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A | REDACTED |  | REDACTED |  | 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 | 1.478 |  |  | Borrower - null 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 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 764 |  |  |  |  |  |  |
| REDACTED |  | 103899 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.875% | 5.875% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A | REDACTED |  | REDACTED | REDACTED | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 4.685 |  | N/A | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 748 |  |  |  |  |  |  |
| REDACTED |  | 323976 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.162 |  |  | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 806 |  |  |  |  |  |  |
| REDACTED |  | 117756 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | No | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.375% | 5.375% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | $0.00 | N/A |  |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.247 |  |  | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 810 |  |  |  |  |  |  |
| REDACTED |  | 176017 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.125% | 6.125% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.329 |  |  | Borrower - N/A | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 741 |  |  |  |  |  |  |
| REDACTED |  | 233749 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 4.875% | 4.875% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.013 |  |  | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 766 |  |  |  |  |  |  |
| REDACTED |  | 188797 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.500% | 5.500% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A | REDACTED |  | $0.00 | REDACTED | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 0.637 |  |  | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 798 |  |  |  |  |  |  |
| REDACTED |  | 269403 | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Exempt | Yes | No | No |  | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.375% | 5.375% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.11 |  | N/A | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 793 |  |  |  |  |  |  |
| REDACTED |  | 437761 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 19403.89 | REDACTED | 3.960% | Manual Underwriting | Manual Underwriting | No | 5.881% |  | 5.750% | 5.750% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | $15034.93 | N/A | REDACTED |  | REDACTED | REDACTED | Monthly | 39.26% | 49.55% | 49.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | ALT DOC | 2 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes |  | 0 | 4 | No |  |  |  | 0.00% | 100.00% |  |  |  | 0 |  |  |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  | N/A | Borrower - Other - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2022, 2021, 2020 | Borrower - 3 YRS Executed 4506T Verified - 2022, 2021, 2020 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 725 |  |  |  |  |  |  |
| REDACTED |  | 318090 | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 14063 | REDACTED | 3.830% | Manual Underwriting | Manual Underwriting | No | 6.578% |  | 6.375% | 6.375% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | $21822.60 | N/A |  |  | $0.00 |  | Monthly | 11.41% | 11.30% | 11.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | Yes |  | 0 | 25 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 24 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  | N/A | Borrower - Other - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified - 2021, 2022 | Borrower - Executed 4506T Verified - 2021, 2022 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 674 |  |  |  |  |  |  |
| REDACTED |  | 425994 | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 6200 | REDACTED | 3.830% | Manual Underwriting | Manual Underwriting | No | 5.295% |  | 5.125% | 5.125% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A | REDACTED |  | REDACTED |  | Monthly | 46.74% | 46.74% | 46.74% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes |  | 0 | 12 | No |  | 0 | 0 | 98.72% | 100.00% |  |  | N/A | 0 |  | N/A |  | 0 | NA | 0 | No | 0 | NA | 0 | 0 |  | NA | 0 | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 803 |  |  |  |  |  |  |
| REDACTED |  | 111657 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.375% | 5.375% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.396 |  |  | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 752 |  |  |  |  |  |  |
| REDACTED |  | 139388 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6107.5 | REDACTED | 3.960% | Manual Underwriting | Manual Underwriting | No | 5.499% |  | 5.375% | 5.375% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | $12308.71 | N/A |  |  | $0.00 |  | Monthly | 38.65% | 37.44% | 37.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | ALT DOC | 2 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 1 | 0 | Yes NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  |  | 0 |  |  |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  | N/A | Borrower - Other, Retirement - 2 YRS W2 1099 Verified, Executed 4506T Verified, Award Letter Verified - 2021, 2020 | Borrower - Executed 4506T Verified - 2021, 2020 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 663 |  |  |  |  |  |  |
| REDACTED |  | 362874 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.375% | 6.375% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A | REDACTED |  | REDACTED | REDACTED | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 2.009 |  |  | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 735 |  |  |  |  |  |  |
| REDACTED |  | 299076 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.375% | 5.375% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes | 1 - Not Stated Not Verified | 4 - Verified 2+ Mos | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  | N/A | 0 |  | N/A |  | 0 | NA | 0 | No | 0 | NA | 0 | 0 |  | NA | 0 | 0 |  | Yes | 1.005 |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 797 | 808 | 815 | 809 | 807 | 790 | 808 |
| REDACTED |  | 132567 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 20075.85 | REDACTED | 3.920% | Manual Underwriting | Manual Underwriting | No | 5.723% |  | 5.625% | 5.625% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 7.85% | 7.13% | 7.13% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes |  | 0 | 12 | No |  |  |  | 0.00% | 57.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 24 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 780 |  |  |  |  |  |  |
| REDACTED |  | 262184 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.875% | 5.875% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 0.00% | 3329.78% | 3329.78% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.187 |  | N/A | Borrower - Other REO Net Rental Income(Loss) - Lease Agreements Verified | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 760 |  |  |  |  |  |  |
| REDACTED |  | 331228 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.875% | 5.875% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.424 |  | N/A | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 776 |  |  |  |  |  |  |
| REDACTED |  | 294416 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.375% | 5.375% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A | REDACTED |  | REDACTED |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 0.751 |  |  | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 753 |  |  |  |  |  |  |
| REDACTED |  | 447332 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4935 | REDACTED | 3.830% | Manual Underwriting | Manual Underwriting | No | 6.555% |  | 6.500% | 6.500% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 75.74% | 55.66% | 55.66% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 2 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 |  | N/A |  | 0 | NA | 0 | No | 0 | Yes | 0 | 0 |  | Yes | 24 | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS IRS Transcripts Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 620 |  |  |  |  |  |  |
| REDACTED |  | 437505 | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: APOR | Yes | No | No |  | Appendix Q Documentation | 6356 | REDACTED | 3.920% | Manual Underwriting | Manual Underwriting | No | 5.456% |  | 5.250% | 5.250% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | $3710.55 | N/A | REDACTED |  | REDACTED |  | Annually | 35.56% | 35.56% | 35.56% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | Yes |  | 0 | 12 | No |  | 0 | 0 | 100.00% | 100.00% |  |  |  | 0 |  |  |  | 0 | NA | 0 | No | 0 | NA | 0 | 0 |  | NA | 0 | 0 |  | No | 0 |  | N/A | Borrower - Other - Executed 4506T Verified, Business Bank Statements Verified - 2021 \|\| Co Borrower - Executed 4506T Verified | Borrower - Executed 4506T Verified - 2021 \|\| Co Borrower - Executed 4506T Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 724 |  |  |  |  |  |  |
| REDACTED |  | 115974 | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Exempt | Yes | No | No |  | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.000% | 6.000% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A | REDACTED |  | REDACTED |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.12 |  | N/A | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 776 |  |  |  |  |  |  |
| REDACTED |  | 296529 | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Exempt | Yes | No | No |  | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.000% | 6.000% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A | REDACTED |  | REDACTED |  | Annually | 0.00% | 31.92% | 31.92% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.27 |  | N/A | Borrower - 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) | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 776 |  |  |  |  |  |  |
| REDACTED |  | 454128 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 15839 | REDACTED | 3.960% | Manual Underwriting | Manual Underwriting | No | 5.094% |  | 5.000% | 5.000% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | $8110.88 | N/A | REDACTED |  | REDACTED | REDACTED | Monthly | 99.95% | 49.97% | 49.97% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | ALT DOC | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 3 |  |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | Yes | Borrower - Other - CPA Letter Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2022, 2021 | Borrower - 3 YRS Executed 4506T Verified - 2022, 2021 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 797 |  |  |  |  |  |  |
| REDACTED |  | 206169 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.375% | 5.375% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.305 |  | N/A | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 757 |  |  |  |  |  |  |
| REDACTED |  | 357104 | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Exempt | Yes | No | No |  | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.750% | 5.750% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.01 |  | N/A | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 787 |  |  |  |  |  |  |
| REDACTED |  | 174259 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.125% | 6.000% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A | REDACTED |  | REDACTED |  | Annually | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  | N/A | 0 |  | N/A |  | 0 | NA | 0 | No | 0 | NA | 0 | 0 |  | NA | 0 | 0 |  | Yes | 1.301 |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 782 |  |  |  |  |  |  |
| REDACTED |  | 424191 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.625% | 5.625% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A | REDACTED |  | REDACTED | REDACTED | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.258 |  | N/A | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 798 |  |  |  |  |  |  |
| REDACTED |  | 487861 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | REDACTED |  | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  | N/A | 0 |  | N/A |  | 0 | NA | 0 | No | 0 | NA | 0 | 0 |  | NA | 0 | 0 |  | Yes | 2.52 |  |  | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 758 |  |  |  |  |  |  |
| REDACTED |  | 215226 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.250% | 6.250% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.82 | 1.68 |  | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 736 |  |  |  |  |  |  |
| REDACTED |  | 401332 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.45 |  | N/A | Borrower - Other REO Net Rental Income(Loss), Primary Residence Rent Income | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 703 |  |  |  |  |  |  |
| REDACTED |  | 444036 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.875% | 5.875% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A | REDACTED |  | REDACTED | REDACTED | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.52 |  |  | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 773 |  |  |  |  |  |  |
| REDACTED |  | 481542 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.625% | 5.625% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Not Employed | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  | N/A | 0 |  | N/A |  | 0 | NA | 0 | No | 0 | NA | 0 | 0 |  | NA | 0 | 0 |  | Yes | 1.251 |  | N/A | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 755 |  |  |  |  |  |  |
| REDACTED |  | 318809 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.500% | 5.500% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 0.602 |  |  | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 773 |  |  |  |  |  |  |
| REDACTED |  | 487494 | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | Yes | No | No |  | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.875% | 5.875% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.24 |  |  | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 747 |  |  |  |  |  |  |
| REDACTED |  | 242146 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.750% | 5.750% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | 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% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 0.393 |  | 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 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 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 748 |  |  |  |  |  |  |
| REDACTED |  | 103685 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | Yes | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.875% | 5.875% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 2.165 |  |  | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 779 |  |  |  |  |  |  |
| REDACTED |  | 197943 | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Exempt | Yes | No | No |  | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.500% | 5.500% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A | REDACTED |  | REDACTED |  | Monthly | 0.00% | -576.50% | -576.50% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1 |  | N/A | Borrower - Primary Residence Rent Income, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 723 |  |  |  |  |  |  |
| REDACTED |  | 112265 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Exempt | No | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.250% | 6.000% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | 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 | 2.193 |  |  | Borrower - null 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 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 695 |  |  |  |  |  |  |
| REDACTED |  | 411674 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Exempt | No | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | 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 | 1.01 |  |  | Borrower - null 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 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 722 |  |  |  |  |  |  |
| REDACTED |  | 286869 | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | No | No | No |  | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | 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 | 1.17 |  |  | Borrower - null 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 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 724 |  |  |  |  |  |  |
| REDACTED |  | 480377 | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | No | No | No |  | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  | FL | REDACTED |  | 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 | 0.97 |  |  | Borrower - null 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 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 701 |  |  |  |  |  |  |
| REDACTED |  | 351023 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | No | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.125% | 6.125% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  | N/A | 0 |  | N/A |  | 0 | NA | 0 | No | 0 | NA | 0 | 0 |  | NA | 0 | 0 |  | Yes | 1.301 |  |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 750 |  |  |  |  |  |  |
| REDACTED |  | 272779 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Exempt | No | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.375% | 6.375% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 0.971 |  |  | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 691 |  |  |  |  |  |  |
| REDACTED |  | 357145 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Exempt | No | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.079 |  | N/A | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 699 |  |  |  |  |  |  |
| REDACTED |  | 276105 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Exempt | No | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  | AZ | REDACTED | REDACTED | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.305 |  |  | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 699 |  |  |  |  |  |  |
| REDACTED |  | 216326 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Exempt | No | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 1.005 |  |  | Borrower | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 760 |  |  |  |  |  |  |
| REDACTED |  | 169442 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4115 | REDACTED | 4.740% | Manual Underwriting | Manual Underwriting | No | 6.495% |  | 6.375% | 6.375% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 26.56% | 13.28% | 13.28% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | ALT DOC | 2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS W2 1099 Verified \|\| Co Borrower | Borrower \|\| Co Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 715 |  |  |  |  |  |  |
| REDACTED |  | 465246 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 22799.61 | REDACTED | 3.830% | Manual Underwriting | Manual Underwriting | No | 5.580% |  | 5.500% | 5.500% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 33.19% | 35.18% | 35.18% | 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 | 12 | 0 | No | N/A | 0 | 0 | 100.00% | 33.33% |  |  | 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 - SECorporation - CPA Letter Verified, Personal Bank Statements Verified - 2022, 2021 \|\| Co Borrower | Borrower - 2022, 2021 \|\| Co Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 701 |  |  |  |  |  |  |
| REDACTED |  | 391403 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 45345.1 | REDACTED | 4.740% | Manual Underwriting | Manual Underwriting | No | 6.659% |  | 6.500% | 6.500% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | $26059.29 | N/A |  |  | $0.00 |  |  | 47.53% | 47.53% | 47.53% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 | 0 | 2+ Months | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | Yes |  | 18 | 0 | No |  |  |  | 0.00% | 3096.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | Yes | 0 | 0 |  | NA |  | 0 |  | No | 0 |  | N/A | Borrower - Commission, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, Personal Bank Statements Verified, Lease Agreements Verified - 2019, 2020, 2021, 2022 | Borrower - Executed 4506T Verified - 2019, 2020, 2021, 2022 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 780 |  |  |  |  |  |  |
| REDACTED |  | 305340 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ATR/QM: Not Applicable | Yes | No | No | N/A | Appendix Q Documentation | 0 | REDACTED | 4.490% | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 6.500% | 6.500% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 17.83% | 15.35% | 15.35% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes |  | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 39 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 690 |  |  |  |  |  |  |
| REDACTED |  | 261742 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10275 | REDACTED | 4.230% | Manual Underwriting | Manual Underwriting | No | 6.388% |  | 6.375% | 6.375% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 82.82% | 40.54% | 40.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 1 | 0 | 1 Month | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes |  | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 24 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 762 |  |  |  |  |  |  |
| REDACTED |  | 355619 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 11525 | REDACTED | 4.490% | Manual Underwriting | Manual Underwriting | No | 6.703% |  | 6.500% | 6.500% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | $3250.00 | N/A |  |  | $0.00 |  | Monthly | 12.07% | 11.54% | 11.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes |  | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 12 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - Other - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2021 | Borrower - 3 YRS Executed 4506T Verified - 2021 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 705 |  |  |  |  |  |  |
| REDACTED |  | 183973 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 47232.5 | REDACTED | 4.740% | Manual Underwriting | Manual Underwriting | No | 6.776% |  | 6.625% | 6.625% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | $129407.46 | N/A |  |  | $0.00 |  |  | 16.06% | 16.06% | 16.06% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | Yes |  | 14 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 72 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - Other - CPA Letter Verified, Executed 4506T Verified, Personal Bank Statements Verified, Lease Agreements Verified - 2021, 2022 | Borrower - Executed 4506T Verified - 2021, 2022 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 726 |  |  |  |  |  |  |
| REDACTED |  | 265011 | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | 14302.79 | REDACTED | 4.790% | Manual Underwriting | Manual Underwriting | No | 8.989% |  | 8.625% | 8.625% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | REDACTED |  | Annually | 47.25% | 46.84% | 46.84% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 | 0 | 1 Month | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 2 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 |  | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS IRS Transcripts Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 680 |  |  |  |  |  |  |
| REDACTED |  | 311982 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7588.75 | REDACTED | 5.070% | Manual Underwriting | Manual Underwriting | No | 6.390% |  | 6.250% | 6.250% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A |  |  | $0.00 |  | Monthly | 0.00% | 2.47% | 2.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes |  | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 72 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 771 |  |  |  |  |  |  |
| REDACTED |  | 357183 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 19157.37 | REDACTED | 4.790% | Manual Underwriting | Manual Underwriting | No | 8.498% |  | 8.375% | 6.875% | REDACTED | No | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | N/A | REDACTED |  | REDACTED | REDACTED | Monthly | 34.82% | 39.80% | 39.80% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes |  | 0 | 12 | No |  |  |  | 100.00% | 30.00% |  |  | N/A | 0 |  | N/A |  |  | Yes | 34 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2022, 2021 | Borrower - 2022, 2021 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 717 |  |  |  |  |  |  |

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **ITIN Flag** | **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** | **Delayed Financing Flag** | **Title Company Name** | **Settlement Agent Company** | **Neighborhood Location** | **Gift Funds** | **Gift Funds Percentage of Total Funds Required** |
| REDACTED |  | 100005 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 273588.90 | 26.0 | 273588.90 | 26.0 |  | 88.89 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 191849 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 74400.12 | 28.6 | 54400.12 | 20.9 |  | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | No |  |  | Suburban | Yes | 31.75 |
| REDACTED |  | 232298 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 1892006.51 | 4932.0 | 1892006.51 | 4932.0 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 212967 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 30005.34 | 18.1 | 30005.34 | 18.1 | No | 85 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 363025 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | .00 | 0.0 | 107232.02 | 50.5 | No | 55.55 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 191010 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 147028.61 | 19.2 | 147028.61 | 19.2 |  | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | No |  |  | Rural | No |  |
| REDACTED |  | 335950 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 489210.82 | 63.0 | 489210.82 | 63.0 |  | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 219894 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | false | N/A | 23382.60 | 9.0 | 23382.60 | 9.0 |  | 89.58 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 227535 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | .00 | 0.0 | 306361.80 | 146.8 |  | 62.69 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 134247 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 427177.84 | 61.0 | 427177.84 | 61.0 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 382163 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 348147.40 | 35.7 | 348147.40 | 35.7 |  | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 148111 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 1 | 0 | 0 |  |  |  |  | 1 | 1 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | .00 | 0.0 | 125333.88 | 62.9 |  | 54.74 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 317039 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 42102.73 | 16.6 | 42102.73 | 16.6 |  | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 241640 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 54977.84 | 28.0 | 54977.84 | 28.0 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 172461 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 22513.45 | 8.0 | 22513.45 | 8.0 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 329578 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | .00 | 0.0 | 90085.57 | 26.2 |  | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 453147 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 520261.02 | 138.0 | 520261.02 | 138.0 |  | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 343904 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | false | N/A | 127099.85 | 34.8 | 127099.85 | 34.8 | No | 85 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | Yes | 33.33 |
| REDACTED |  | 334981 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | false | N/A | .00 | 0.0 | 61856.21 | 39.0 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 364797 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | false | N/A | 72876.69 | 52.2 | 72876.69 | 52.2 | No | 70 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 211582 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 333643.90 | 49.0 | 333643.90 | 49.0 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 103899 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 135555.28 | 149.0 | 135555.28 | 149.0 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 323976 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | Non Permanent Resident Alien |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | Bank / Credit Reference | 13288.16 | 6.0 | 13288.16 | 6.0 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Urban | No |  |
| REDACTED |  | 117756 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | .00 | 0.0 | .00 | 0.0 | No | 58.89 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 176017 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 15013.90 | 16.0 | 15013.90 | 16.0 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Urban | No |  |
| REDACTED |  | 233749 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | Bank / Credit Reference | 359669.95 | 79.0 | 359669.95 | 79.0 | No | 70.24 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 188797 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 203386.15 | 48.0 | 203386.15 | 48.0 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 269403 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 7890.50 | 5.0 | 7890.50 | 5.0 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 437761 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 313406.39 | 40.0 | 313406.39 | 40.0 |  | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 318090 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | Permanent Resident Alien |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 32750.82 | 12.0 | 32750.82 | 12.0 |  | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 425994 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 189932.32 | 68.7 | 189932.32 | 68.7 |  | 60 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 111657 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | .00 | 0.0 | 250519.74 | 99.9 | No | 58.06 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 139388 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 33 | 1 | 0 | 0 |  |  |  |  | 33 | 1 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | .00 | 0.0 | 41031.31 | 11.8 |  | 44.9 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 362874 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 123725.89 | 23.0 | 123725.89 | 23.0 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 299076 | 809 | 807 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 711730.54 | 178.8 | 711730.54 | 178.8 | No | 27.93 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 132567 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 269141.89 | 31.5 | 269141.89 | 31.5 |  | 89.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 262184 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 143617.19 | 28.0 | 143617.19 | 28.0 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 331228 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 |  | 0 | 0 |  |  |  |  | 0 |  | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 1652265.14 | 1162.0 | 1652265.14 | 1162.0 | No | 84.91 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 294416 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 975561.33 | 314.0 | 975561.33 | 314.0 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 447332 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 |  |  |  |  | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | .00 | 0.0 | 15509.80 | 5.4 |  | 70 | N/A | No | No |  | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 437505 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | .00 | 0.0 | 31852.14 | 15.6 |  | 49.5 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | No |  |  | Rural | No |  |
| REDACTED |  | 115974 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 1449586.66 | 822.0 | 1449586.66 | 822.0 | No | 85 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 296529 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 1596200.56 | 1016.0 | 1596200.56 | 1016.0 | No | 85 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 454128 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 772308.41 | 116.0 | 772308.41 | 116.0 |  | 50 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 206169 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 53649.96 | 18.0 | 53649.96 | 18.0 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 357104 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 116606.74 | 65.0 | 116606.74 | 65.0 | No | 73.04 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 174259 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 21571.22 | 12.8 | 21571.22 | 12.8 | No | 80 | N/A | No | No | Yes | Unknown | Unknown | N/A | N/A |  |  |  |  | No |  |  | Urban | No |  |
| REDACTED |  | 424191 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 143832.69 | 91.0 | 143832.69 | 91.0 | No | 42.5 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | No |  |  | Urban | No |  |
| REDACTED |  | 487861 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 363008.15 | 45.7 | 363008.15 | 45.7 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 215226 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | false | N/A | 7462.45 | 2.5 | 95397.92 | 32.1 | No | 57.85 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 401332 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | 1 | 112 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 91162.89 | 115.0 | 91162.89 | 115.0 | No | 74.63 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 444036 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | .00 | 0.0 | .00 | 0.0 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Rural | No |  |
| REDACTED |  | 481542 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 45284.11 | 5.3 | 45284.11 | 5.3 | No | 80 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | No |  |  | Urban | No |  |
| REDACTED |  | 318809 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 618712.72 | 186.0 | 618712.72 | 186.0 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 487494 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | .00 | 0.0 | .00 | 0.0 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 242146 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 1017768.24 | 102.6 | 1017768.24 | 102.6 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 103685 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | .00 | 0.0 | 284319.72 | 37.3 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 197943 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 3687054.53 | 1994.0 | 3687054.53 | 1994.0 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 112265 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 112704.32 | 28.9 | 112704.32 | 28.9 | No | 80 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 411674 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 57288.89 | 24.1 | 57288.89 | 24.1 | No | 80 | N/A | No | No |  | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 286869 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 1588272.11 | 396.6 | 1588272.11 | 396.6 | No | 75 | N/A | No | No |  | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 480377 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | .00 | 0.0 | 293435.07 | 104.9 | No | 65 | N/A | No | No |  | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 351023 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 5578.36 | 2.2 | 5578.36 | 2.2 | No | 79.75 | N/A | No | No |  | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  | No |  |  | Urban | No |  |
| REDACTED |  | 272779 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 579879.56 | 161.0 | 579879.56 | 161.0 | No | 70 | N/A | No | No |  | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 357145 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 418476.88 | 225.7 | 440145.28 | 237.4 | No | 74.25 | N/A | No | No |  | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Urban | No |  |
| REDACTED |  | 276105 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | .00 | 0.0 | .00 | 0.0 | No | 75 | N/A | No | No |  | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 216326 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | .00 | 0.0 | .00 | 0.0 | No | 80 | N/A | No | No |  | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 169442 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 16144.70 | 15.0 | 16144.70 | 15.0 |  | 33.98 | N/A | No | No |  | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 465246 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | .00 | 0.0 | 89922.25 | 12.1 |  | 56.52 | N/A | No | No |  | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 391403 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | .00 | 0.0 | -53844.09 | 0.0 |  | 80 | N/A | No | No |  | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 305340 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 278403.67 | 62.9 | 740547.63 | 167.0 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 261742 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | false | N/A | 491872.80 | 129.0 | 491872.80 | 129.0 |  | 75 | N/A | No | No |  | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 355619 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 161391.90 | 44.1 | 316633.63 | 86.5 |  | 38.32 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 183973 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | Permanent Resident Alien |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 379677.13 | 19.7 | 379677.13 | 19.7 |  | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 265011 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 83053.91 | 17.8 | 43053.91 | 9.0 |  | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | Yes | 79.21 |
| REDACTED |  | 311982 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 496224.91 | 135.0 | 496224.91 | 135.0 |  | 65.19 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |
| REDACTED |  | 357183 |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 35500.47 | 7.2 | 35500.47 | 7.2 |  | 84.99 | N/A | No | No |  | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | No |  |  | Suburban | No |  |

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 88.89 | 88.89 |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 85 | 85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1025 Small Residential Income Report |  | REDACTED | REDACTED | REDACTED | 85 | 85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | Moderate | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | 0 |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 50.18 | 55.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 90 | 90 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 90 | 90 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 89.58 | 89.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | Moderate | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | 0 |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 62.69 | 62.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 85 | 85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | 0 |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 54.74 | 54.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | 0 |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | 0 |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1073 Individual Condo Report |  | REDACTED | REDACTED | REDACTED | 85 | 85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1025 Small Residential Income Report |  | REDACTED | REDACTED | REDACTED | 85 | 85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | 0 |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | 0 |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 70 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | 0 |  | REDACTED | REDACTED | 1073 Individual Condo Report |  | REDACTED | REDACTED | REDACTED | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | Moderate | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 70 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | Moderate | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | 0 |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 58.89 | 58.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | Moderate | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | 0 |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 70.24 | 70.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 70 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 90 | 90 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1073 Individual Condo Report |  | REDACTED | REDACTED | REDACTED | 60 | 60 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | 0 |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 58.06 | 58.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | 0 |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 44.9 | 44.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 27.93 | 27.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 89.99 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | 0 |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 84.91 | 84.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | Eligible | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | 0 |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 70 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | 0.0 |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 49.5 | 49.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 85 | 85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 85 | 85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | 0 |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 50 | 50 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | Moderate | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1025 Small Residential Income Report |  | REDACTED | REDACTED | REDACTED | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | 0 |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 73.04 | 73.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1073 Individual Condo Report |  | REDACTED | REDACTED | REDACTED | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | 0 |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 42.5 | 42.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | Low Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | 0.0 |  | REDACTED | REDACTED | 1025 Small Residential Income Report |  | REDACTED | REDACTED | REDACTED | 57.85 | 57.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0545 | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | 0 |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 74.63 | 74.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | MODERATE | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | 0 |  | REDACTED | REDACTED | 1025 Small Residential Income Report |  | REDACTED | REDACTED | REDACTED | 80 | 80 |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | 0.0 |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 65 | 65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | Moderate | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | 0 |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 70 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | Moderate | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | 0 |  | REDACTED | REDACTED | Hybrid Appraisal |  | REDACTED | REDACTED | REDACTED | 70 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | -.1500 | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1073 Individual Condo Report |  | REDACTED | REDACTED | REDACTED | 70 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | Moderate | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED | 0 | REDACTED | REDACTED | 1025 Small Residential Income Report |  | REDACTED | REDACTED | REDACTED | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | MODERATE | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | 0.0 | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 65 | 65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED | 0 | REDACTED | REDACTED | 1025 Small Residential Income Report |  | REDACTED | REDACTED | REDACTED | 79.75 | 79.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 70 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | 0 | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 74.25 | 74.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | 0 | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED | 0 | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED |  |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 33.98 | 33.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | 0 |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 56.52 | 56.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 80 | 80 |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 70 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | 0 |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | 0 |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 38.32 | 38.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 75 | 75 |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 90 | 90 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | 0 |  | REDACTED | REDACTED | 1004 URAR |  | REDACTED | REDACTED | REDACTED | 65.19 | 65.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  |  | REDACTED | REDACTED | REDACTED |  | REDACTED | REDACTED | 1073 Individual Condo Report |  | REDACTED | REDACTED | REDACTED | 84.99 | 84.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |

---

## Exhibit 99.10

**Exhibit 99.10**

![](tm264825d35_ex99-10img001.jpg)

![](tm264825d35_ex99-10img002.jpg)

**EXECUTIVE SUMMARY**

**SAN 2026-NQMS1**

**June 12, 2026**

**INFINITY INTERNATIONAL PROCESSING SERVICES, INC.**

![](tm264825d35_ex99-10img001.jpg)

**TABLE OF CONTENTS**

 ****

 ****

---

| | |
|:---|:---|
| Infinity Biography | 2.0 |
| Description of the due diligence performed | 3.0 |
| Summary of findings and conclusions of review | 16.0 |
| Tape Integrity Review Results Summary | 16.0 |
| Additional Loan Population Summary | 17.0 |

---

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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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**DESCRIPTION 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 Santander Bank, N.A ("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 eleven (11) mortgage loans that were originally reviewed from July 2022 to August 2022.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Compliance Review" 6 <sup>1</sup> Mortgage Loans

▪ "Credit Review" 11 Mortgage Loans

▪ "Property Review" 11 Mortgage Loans

▪ "Data Integrity" 11 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 eleven (11) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;Sale Price |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;CLTV |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;Current P&I |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Rate Index |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1st Rate Change Date | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Reset Frequency | &nbsp;&nbsp;Deferred Balance |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;Rounding Code | &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;Borrower SSN |
| &nbsp;&nbsp;Credit Score | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Initial Roll Cap | &nbsp;&nbsp;Co-Borrower SSN |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Mod Flag | &nbsp;&nbsp;Periodic Rate Cap |  |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Mod Date | &nbsp;&nbsp;Life Rate Cap |  |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Current Rate | &nbsp;&nbsp;Life Rate Floor |  |

---

<sup>1</sup> Five (5) 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 eleven (11) 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.

There were 3 sets of guidelines provided for the review. Each loan was reviewed to the specific guideline provided on the loan approval. Please refer the Exhibit A.

**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 four (4) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

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Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation, (ii) examined appraisal reports, BPO's, and appraisal reviews to determine if the property type was consistent with underwritten property type and usage (such as evidence of either owner or tenant occupancy) and compared this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy, (iii) reviewed environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements, (iv) reviewed credit reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency with the Final Loan Approval worksheet, (v) reviewed HUD-1's, Title Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well as adherence to credit policy requirements, (vi) reviewed LOI/LOE(s) for presence of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s), (vii) reviewed Final Form 1003/Loan application to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s) is an address other than the subject property, (viii) confirmed, if applicable, business license(s) and P&L's are present, valid, and adhere to credit policy requirements, (ix) confirmed, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements, (x) reviewed final loan approval worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with all other documentation contained in the review file (xi) reviewed the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten Primary Residence address differs from the subject property address and is signed/dated as required (xii) verified presence of a complete Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty agreement, including the presence of either individual certifications or one certificate containing all required signatures, (xiii) compared the Primary Residence address(es) listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity, (xv) documented any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue, (xvi) gathered the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, Infinity sums per the guidelines the principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

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

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for eleven (11) mortgage loans. For these eleven (11) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

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![](tm264825d35_ex99-10img001.jpg)

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

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

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

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

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

Infinity completed a Compliance Review on six (6) mortgage loans. Five (5) exempt loans were not subject to a compliance review and did not receive a compliance grade.

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.

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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.

Infinity 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):</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).

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

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

&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;e) <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.

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

&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, Infinity 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, Infinity'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;g) <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;h) <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;i) <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;j) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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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 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 any written estimate of terms or costs provided prior to receipt of a LE contained the required
disclosures;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;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 were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

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

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

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

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

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

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

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

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

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

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

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

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

Infinity 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). Infinity determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, Infinity notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, Infinity 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, Infinity 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.

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, Infinity reviews the mortgage loan to determine whether, based on available information in the file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, Infinity 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, Infinity 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, Infinity then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

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<u>General Ability to Repay</u>

Infinity 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.

 

Infinity 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"). Infinity 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. Infinity's review is based on information contained in the mortgage loan file at the time it is provided to Infinity 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;**

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

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

**(X) Recording Review**

Infinity 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 Infinity reviewed the mortgage loans and thus have not yet been recorded. Infinity verified that documents in the 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, Infinity will analyze and capture data from the source documents identified in the Document Review below, as applicable.

**(XI) FIRREA Review**

Infinity confirmed that the appraiser and the appraisal made by such appraiser both satisfied the pr 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, Infinity 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**

Infinity 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;▪ Initial
application (1003);

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit
report;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Income
and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset
documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales
contract;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary
Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
1003;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed
circumstance documentation;

&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;▪ Note;

&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;▪ Subordination
Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA
disclosures;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
HUD-1;

&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;▪ 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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**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").

**OVERALL RESULTS SUMMARY (11 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements covers eleven (11) mortgage loans. Within those mortgage loans, Infinity graded ten (10) mortgage loans as "A" and one (1) mortgage loan as "B".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6<sup>2</sup> | &nbsp;&nbsp;10 | &nbsp;&nbsp;11 | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;90.91% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;9.09% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;9.09% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (11 MORTGAGE LOANS)**

Of the eleven (11) mortgage loans reviewed, 4 (36.36%) mortgage loans had tape discrepancies across six (6) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Application Date (Baseline script version) | &nbsp;&nbsp;2 | &nbsp;&nbsp;11 | &nbsp;&nbsp;18.18% |
| &nbsp;&nbsp;B1 Credit Score | &nbsp;&nbsp;1 | &nbsp;&nbsp;11 | &nbsp;&nbsp;9.09% |
| &nbsp;&nbsp;Borrower DTI Ratio Percent | &nbsp;&nbsp;1 | &nbsp;&nbsp;11 | &nbsp;&nbsp;9.09% |
| &nbsp;&nbsp;Housing Ratio per U/W (Initial Rate) | &nbsp;&nbsp;1 | &nbsp;&nbsp;11 | &nbsp;&nbsp;9.09% |
| &nbsp;&nbsp;Original CLTV Ratio Percent | &nbsp;&nbsp;2 | &nbsp;&nbsp;11 | &nbsp;&nbsp;18.18% |
| &nbsp;&nbsp;Original Standard LTV (OLTV) | &nbsp;&nbsp;2 | &nbsp;&nbsp;11 | &nbsp;&nbsp;18.18% |

---

<sup>2</sup> Five (5) business purpose exempt loans within the population were not subject to a compliance review and did not receive a compliance grade. The applicable population denominator for purposes of the compliance review was six (6) loans.

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**ADDITIONAL LOAN POPULATION SUMMARY (11 MORTGAGE LOANS)**

\*Total may not sum to total due to rounding.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$4847900.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$4847900.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$4847900.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$4847900.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi - Purpose/Unknown | &nbsp;&nbsp;6 | &nbsp;&nbsp;54.55% | &nbsp;&nbsp;$2451900.00 | &nbsp;&nbsp;50.58% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;9.09% | &nbsp;&nbsp;$327750.00 | &nbsp;&nbsp;6.76% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;3 | &nbsp;&nbsp;27.27% | &nbsp;&nbsp;$1916250.00 | &nbsp;&nbsp;39.53% |
| &nbsp;&nbsp;Rate/Term Refinance – Borrower initiated | &nbsp;&nbsp;1 | &nbsp;&nbsp;9.09% | &nbsp;&nbsp;$152000.00 | &nbsp;&nbsp;3.14% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$4847900.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;18.18% | &nbsp;&nbsp;$1149900.00 | &nbsp;&nbsp;23.72% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;9 | &nbsp;&nbsp;81.82% | &nbsp;&nbsp;$3698000.00 | &nbsp;&nbsp;76.28% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$4847900.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;6 | &nbsp;&nbsp;54.55% | &nbsp;&nbsp;$3386650.00 | &nbsp;&nbsp;69.86% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;5 | &nbsp;&nbsp;45.45% | &nbsp;&nbsp;$1461250.00 | &nbsp;&nbsp;30.14% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$4847900.00** | &nbsp;&nbsp;**100.00%** |

---

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**Exhibit A**

---

| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;RED TPR INV BS Matrix October 1 2021.pdf |
| &nbsp;&nbsp;TPR INV ICF Guidelines June 20 2022.pdf |
| &nbsp;&nbsp;TPR INV Portfolio Program Guidelines May 26 2022.pdf |

---

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---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Compliance Grade** | **DBRS INITIAL Compliance Grade** | **DBRS FINAL Compliance Grade** | **FITCH INITIAL Compliance Grade** | **FITCH FINAL Compliance Grade** | **KROLL INITIAL Compliance Grade** | **KROLL FINAL Compliance Grade** | **MOODY's INITIAL Compliance Grade** | **MOODY's FINAL Compliance Grade** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** |
| xxx | xxx | 780288 | xxx | Georgia | xxx | Primary | Purchase B | A C B D | C | A C B D | C | A C B D | C | A C B D | C | A C B D | C | A |
| xxx | xxx | 713792 | xxx | California | xxx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| xxx | xxx | 792531 | xxx | California | xxx | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| xxx | xxx | 619778 | xxx | Connecticut | xxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 687404 | xxx | Washington | xxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| xxx | xxx | 836967 | xxx | New Jersey | xxx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| xxx | xxx | 991836 | xxx | Illinois | xxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 829672 | xxx | Oregon | xxx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| xxx | xxx | 724850 | xxx | New York | xxx | 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 |
| xxx | xxx | 524629 | xxx | New York | xxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 813251 | xxx | Michigan | xxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **Borrower Name** | **State** | **QM/ATR Status** | **Initial Overall Loan Grade** | **Final Overall Grade** | **Final Credit Grade** | **Final Property Grade** | **Final Compliance Grade** | **Material (level 3) TRID exception?** | **Material (level 3) Non-TRID exception?** | **Active Material Exceptions** | **Active Non Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **Property Type** | **Note Date** | **LTV** | **CLTV** | **Occupancy** | **Purpose** | **Credit Score** | **Brwr 1 Yrs in Property** | **Brwr 1 Occupation** | **Brwr 1 Yrs on Job** | **Total Monthly Income** | **Mortgage History** | **Cash Out Amount** | **DTI** | **FTHB Flag** | **Loan Doc Type** | **Loan Status** | **Review Date** |
| xxx | xxx | 780288 |  | xxx | Georgia | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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<br>Higher-Priced Mortgage Loan Test: Charged 8.169% Allowed 6.830% Over by +1.339%<br>This loan is compliant with regulation 1026.35. | \*\*\* (WAIVED) Payment history missing - EV W<br> COMMENT: Loan file is missing residential payment history. Final 1003 reflects current primary residence located at xxx, which is also borrowers business address, xxx. Require residential payment history for recent 12 months.<br>Exception approval with compensating factor<br>Low DTI Ratio - 17%<br> High Asset Reserves - 55 months | Low DTI Ratio - 17%<br>High Asset Reserves - 55 months | Single Family | xxx | xxx | xxx | Primary | Purchase | xxx |  | Owner | 11 | xxx | 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 |  | 17.270% | Yes | Alternative | QC Complete | 04/24/2026 |
| xxx | xxx | 713792 |  | xxx | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Primary | Cash Out | xxx | 20.08 | Broker/Owner | 22 | xxx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx | 14.530% |  | Alternative | QC Complete | 04/24/2026 |
| xxx | xxx | 792531 |  | xxx | California | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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<br>Higher-Priced Mortgage Loan Test: Charged: 6.699% Allowed: 6.660% Over by:+0.039%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) State Higher Price Mortgage Loan - EV R<br> COMMENT: (xxx AB 260, xxx Financial Code Division 1.94995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the xxx Financial Code.<br>xxx AB 260 Higher-Priced Mortgage Loan Test: Charged: 6.699% Allowed: 6.660% Over by:+0.039%<br>This loan is compliant with regulation xxx AB 260, xxx Financial Code Division 1.94995(a) |  |  | Low Rise Condo (1-4 Stories) | xxx | xxx | xxx | Primary | Purchase | xxx |  | Owner | 11 | xxx | 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:<br> Max Days Dlq Last 12 Mos:<br> Verification Type:Credit Report |  | 34.641% | No | Full Documentation | QC Complete | 04/24/2026 |
| xxx | xxx | 619778 |  | xxx | Connecticut | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | xxx | xxx | xxx | Investor | Cash Out | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx |  |  | Alternative | QC Complete | 08/04/2022 |
| xxx | xxx | 687404 |  | xxx | Washington | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xxx | xxx | xxx | Primary | Purchase | xxx |  | Owner | 3.25 | xxx | 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 |  | 18.476% | Yes | Alternative | QC Complete | 07/11/2022 |
| xxx | xxx | 836967 |  | xxx | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Primary | Cash Out | xxx | 6 | Owner | 6 | xxx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx | 17.919% |  | Alternative | QC Complete | 07/26/2022 |
| xxx | xxx | 991836 |  | xxx | Illinois | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Investor | Refinance | xxx |  | Production Manager | 12 | xxx | 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 |  | 33.303% |  | Full Documentation | QC Complete | 08/04/2022 |
| xxx | xxx | 829672 |  | xxx | Oregon | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Primary | Cash Out | xxx | 23.83 | Co-owner | 7 | xxx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx | 48.357% |  | Alternative | QC Complete | 07/26/2022 |
| xxx | xxx | 724850 |  | xxx | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | xxx | xxx | xxx | Investor | Purchase | xxx |  |  |  |  | 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 | Alternative | QC Complete | 04/24/2026 |
| xxx | xxx | 524629 |  | xxx | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Investor | Cash Out | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx |  |  | Alternative | QC Complete | 08/04/2022 |
| xxx | xxx | 813251 |  | xxx | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | xxx | xxx | xxx | Investor | Cash Out | xxx |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx |  |  | Alternative | QC Complete | 04/24/2026 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **Borrower Last Name** | **Property State** | **Note Date** | **Loan Purpose** | **TPR QM ATR Status** | **Initial Overall Loan Grade** | **Final Overall Loan Grade** | **Exception Category** | **Exception Subcategory** | **Exception Code** | **Final Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Exception** | **Exception Detail** | **Follow-up Comments (Exception Response)** | **Exception Conclusion Comments** | **Compensating Factors** | **Curable Status** | **Loan Status** | **Review Date** | **Cleared Date** | **Cured Date** | **Exception Date** |
| xxx | xxx | 780288 |  | xxx | Georgia | xxx | Purchase | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | 1GWRFXCTMHE-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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<br>Higher-Priced Mortgage Loan Test: Charged 8.169% Allowed 6.830% Over by +1.339%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 04/24/2026 | 04/24/2026 | 04/24/2026 | 04/24/2026 |
| xxx | xxx | 780288 |  | xxx | Georgia | xxx | Purchase | Non-QM/Compliant | 4 | 2 | Servicing | Doc Issue | 1GWRFXCTMHE-IXGT06P8 | Waived | 3 | W | \* Payment history missing (Lvl W) | Loan file is missing residential payment history. Final 1003 reflects current primary residence located at xxx, which is also borrowers business address, xxx. Require residential payment history for recent 12 months.<br>Exception approval with compensating factor<br>Low DTI Ratio - 17%<br> High Asset Reserves - 55 months |  |  | Low DTI Ratio - 17%<br>High Asset Reserves - 55 months |  | QC Complete | 04/24/2026 |  |  | 07/07/2022 |
| xxx | xxx | 792531 |  | xxx | California | xxx | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 0BBO5KTLAYG-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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<br>Higher-Priced Mortgage Loan Test: Charged: 6.699% Allowed: 6.660% Over by:+0.039%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 04/24/2026 | 04/24/2026 | 04/24/2026 | 04/24/2026 |
| xxx | xxx | 792531 |  | xxx | California | xxx | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 0BBO5KTLAYG-7NVY4BLQ | Resolved | 4 | R | \* State Higher Price Mortgage Loan (Lvl R) | (xxx AB 260, xxx Financial Code Division 1.94995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the xxx Financial Code.<br>xxx AB 260 Higher-Priced Mortgage Loan Test: Charged: 6.699% Allowed: 6.660% Over by:+0.039%<br>This loan is compliant with regulation xxx AB 260, xxx Financial Code Division 1.94995(a) | This loan is compliant with regulation xxx AB 260, xxx Financial Code Division 1.94995(a) | This loan is compliant with regulation xxx AB 260, xxx Financial Code Division 1.94995(a) |  |  | QC Complete | 04/24/2026 | 04/24/2026 | 04/24/2026 | 04/24/2026 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
| xxx | xxx | 780288 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | xxx | 5.263% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | Unavailable |
| xxx | xxx | 713792 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.7 |
| xxx | xxx | 792531 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxx | xxx | 619778 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1025 2-4 Family Property |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxx | xxx | 687404 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2 |
| xxx | xxx | 836967 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxx | xxx | 991836 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 1 |
| xxx | xxx | 829672 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxx | $0.00 | 0.000% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 4 |
| xxx | xxx | 724850 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 2-4 Family Property |  |  |  |  |  |  | xxx | xxx | 2.878% | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxx | xxx | 524629 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| xxx | xxx | 813251 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |

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**Data Compare**

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| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** |
| xxx | xxx | 713792 |  | Application Date (Baseline script version) | xxx | xxx | -31 (Days) |  | The Application reflects Application date as xxx. | Initial |
| xxx | xxx | 829672 |  | Borrower DTI Ratio Percent | 48.357% | 35.078% | 13.279% | 13.27900% | Total subject property PITIA (P&I xxx + Real Estate Taxes xxx + Hazard Insurance xxx + Flood Insurance $0.00 + MI $0.00 + HOA Dues $0.00) equals xxx and the monthly other debts equal xxx. Total verified monthly income equals xxx. Borrower DTI ratio equals 48.357%. | Initial |
| xxx | xxx | 829672 |  | Housing Ratio per U/W (Initial Rate) | 35.814% | 20.759% | 15.055% | 15.05500% | Total subject property PITIA (P&I xxx + Real Estate Taxes xxx + Hazard Insurance xxx + Flood Insurance $0.00 + MI $0.00 + HOA Dues $0.00) equals xxx. Total verified monthly income equals xxx. Borrower DTI ratio equals 35.814%. | Initial |
| xxx | xxx | 829672 |  | Original CLTV Ratio Percent | xxx | xxx | -4.439% | -4.43900% | Collateral Value used for Underwriting: xxx. Amount of Secondary Lien(s): $0.00. Loan Amount: xxx, CLTV = xxx. | Initial |
| xxx | xxx | 829672 |  | Original Standard LTV (OLTV) | xxx | xxx | -4.439% | -4.43900% | Collateral Value used for Underwriting: xxx. Loan Amount: xxx, CLTV = xxx. | Initial |
| xxx | xxx | 524629 |  | Application Date (Baseline script version) | xxx | xxx | -23 (Days) |  | The Application reflects Application Date as xxx. | Initial |
| xxx | xxx | 524629 |  | B1 Credit Score | xxx | xxx | -21 | -2.92887% | The Credit report dated xxx reflects B1 Credit Score as xxx. | Initial |
| xxx | xxx | 813251 |  | Original CLTV Ratio Percent | xxx | xxx | -9.990% | -9.99000% | Collateral Value used for Underwriting: xxx. Amount of Secondary Lien(s): $0.00. Loan Amount: xxx. CLTV = xxx. | Initial |
| xxx | xxx | 813251 |  | Original Standard LTV (OLTV) | xxx | xxx | -9.990% | -9.99000% | Collateral Value used for Underwriting: xxx. Loan Amount: xxx. CLTV = xxx. | Initial |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **GSE Eligible Flag** | **DU/LP Approval** | **CDFI Flag** | **Is CEMA (Yes/No)** | **Application Date** | **Guideline Name** | **TILA Status** | **MERS MIN Number** | **Qualifying FICO** | **Verification Safe Harbor Flag** | **Verification Safe Harbor Reference Document** | **ATR QM Total Points and Fees Audit** | **Default Interest Rate Flag** | **Default Interest Rate** | **Cross collateralized Loan Flag** | **Cross Collateralized Loan Release Provision** | **BK Discharge date** | **Bk Chapter** | **Foreclosure Date** | **Short Sale Date** | **Deed In Lieu Date** | **Months of Reserves for Subject Property** | **Project Classification: Warrantable/Non-Warrantable** | **Appraiser Name** | **Appraiser's License Number** | **Appraisal Company** | **Borrower Citizenship Indicator** | **Co Borrower Citizenship Indicator** | **Borrower Documentation Used to Determine Legal Residency** | **Co-Borrower Documentation Used to Determine Legal Residency** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Underwriting Program** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **WVOE Flag (Borr)** | **# of Months of Income validated WVOE (Borr)** | **WVOE Form** | **WVOE Flag (Co-Borr)** | **# of Months of Income validated WVOE (Co-Borr)** | **WVOE Form (Co-Borr)** | **Borr Years of Personal Tax Returns/Transcripts (1040's)** | **Co-Borr Years of Personal Tax Returns/Transcripts (1040's)** | **Borr Years of Business Tax Returns/Transcripts** | **Co-Borr Years of Business Tax Returns/Transcripts** | **Bank Statement Flag (Borr)** | **# of months Personal Bank statements (Borr)** | **# of months Business Bank statements (Borr)** | **Bank Statement Flag (Co-Borr)** | **# of months Personal Bank statements (Co-Borr)** | **# of months Business Bank statements (Co-Borr)** | **P&L Flag (Borr)** | **# of Months P&L (Borr)** | **Who Prepared the P&L** | **CPA Letter Flag (Borr)** | **# of Months CPA verified income (Borr)** | **P&L Flag (Co-Borr)** | **Who Prepared the P&L** | **# of Months P&L (Co-Borr)** | **CPA Letter Flag (Co-Borr)** | **# of Months CPA verified income (Co-Borr)** | **Asset Depletion Flag (DTI)** | **Partial Asset Depletion Flag (DTI)** | **Asset Depletion months amortized** | **Asset Utilization Flag (No DTI)** | **Bespoke Eligible Assets** | **Income Doc Summary** | **Calculated Front End Housing Ratio** | **Calculated Debt-to-Income Ratio** | **DSCR Flag** | **Number of Rental Units** | **Market Rent** | **Market Rent Source** | **Lease in Place** | **Actual in Place Rent** | **DSCR Calc based on Short Term Rental Income Flag** | **DSCR Calculation Method (at Orig)** | **Rental Income Used for DSCR** | **PITIA for DSCR** | **DSCR (at Origination)** | **Borrower Type** | **Loan closed in the name of an entity flag** | **Borrower Entity Name** | **Personal Guaranty Flag** | **Personal Guaranty Recourse to the Borrower Level** | **Guarantor Designation** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** |
| xxx | xxx | 780288 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Non-QM/Compliant | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | xxx | xxx | Not Applicable | Not Applicable | Not Applicable | 10 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Self-employed | Not Applicable | 24 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 24 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 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: Bank Statement [Primary] | 12.05% | 17.27% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 713792 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Non-QM/Compliant | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 11 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Self-employed | Not Applicable | 24 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 24 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 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: Bank Statement [Primary] | 11.61% | 14.53% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 792531 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Non-QM/Compliant | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 31 | Warrantable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Self-employed | Not Applicable | 24 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 24 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 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: Bank Statement [Primary] | 43.50% | 43.75% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 619778 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 0 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 2 | xxx | Form 216 | Yes | xxx | No | Form 216 | xxx | xxx | 1.55579 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 687404 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Non-QM/Compliant | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 9 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Self-employed | Not Applicable | 24 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 24 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 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: Bank Statement [Primary] | 13.73% | 18.48% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 836967 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Non-QM/Compliant | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 18 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Self-employed | Not Applicable | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 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: Bank Statement [Primary] | 11.37% | 17.92% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 991836 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 56 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Employed | Not Applicable | Full Documentation | 2+ Years | Not Applicable | Yes | 24 | FNMA 1005 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 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: Written VOE [Primary], W2, Pay Stub | 20.56% | 33.30% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 829672 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Non-QM/Compliant | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 4 | Not Applicable | xxx | xxx | xxx | US Citizen | US Citizen | Not Applicable | Not Applicable | Self-employed | Self-employed | 24 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 24 | Yes | Not Applicable | 24 | Not Applicable | Not Applicable | Not Applicable | 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: Bank Statement [Primary], CPA Letter; B2: Bank Statement [Primary], CPA Letter | 35.81% | 48.36% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 724850 |  | No | Not Applicable | Not Applicable | No | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 14 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 3 | xxx | Form 216 | No | Not Applicable | No | Form 216 | xxx | xxx | 1.3355 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 524629 |  | No | Not Applicable | Not Applicable | No | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 92 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | Yes | xxx | No | Lease Agreement | xxx | xxx | 1.51001 | Limited Liability Corporation | Yes | xxx | Yes | Full Recourse | US Citizen | xxx | xxx | Not Applicable | Not Applicable |
| xxx | xxx | 813251 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | xxx | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 92 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | Yes | xxx | No | Lease Agreement | xxx | xxx | 1.19287 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |

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