# EDGAR Filing Document

**Accession Number:** 0000807641
**File Stem:** 0000929638-25-004370
**Filing Date:** 2025-11
**Character Count:** 5955285
**Document Hash:** 35e3c80295f1be7cdb13d5c53df7a3bb
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000929638-25-004370.hdr.sgml**: 20251125

**ACCESSION NUMBER**: 0000929638-25-004370

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

**PUBLIC DOCUMENT COUNT**: 44

**CONFORMED PERIOD OF REPORT**: 20251125

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

**FILED AS OF DATE**: 20251125

**DATE AS OF CHANGE**: 20251125

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Other

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GS MORTGAGE SECURITIES CORP
- **CENTRAL INDEX KEY:** 0000807641
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G/A
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01949
- **FILM NUMBER:** 251521401

**BUSINESS ADDRESS:**
- **STREET 1:** 85 BROAD STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10004
- **BUSINESS PHONE:** 212-357-8721

**MAIL ADDRESS:**
- **STREET 1:** 85 BROAD STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10004
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GS MORTGAGE SECURITIES CORP
- **CENTRAL INDEX KEY:** 0000807641
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 85 BROAD STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10004
- **BUSINESS PHONE:** 212-357-8721

**MAIL ADDRESS:**
- **STREET 1:** 85 BROAD STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10004

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

#### FORM ABS-15G/A<br> ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934
Check the appropriate box to indicate the filing obligation to which this form is intended to satisfy:

___ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period _______ to _______.

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| |
|:---|
| Date of Report (Date of earliest event reported): |
| Commission File Number of securitizer: |
| Central Index Key Number of securitizer: |

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

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

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

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

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

Central Index Key Number of depositor: <u>0000807641</u>

<u> GS Mortgage-Backed Securities Trust 2025-R1 </u> <br> (Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity:

<u> Carla Schriver, (212) 902-3513 </u> <br> Name and telephone number, including area code, of the person to<br> contact in connection with this filing. <br>

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#### INFORMATION TO BE INCLUDED IN THE REPORT

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| | |
|:---|:---|
| **Item 2.01.** | **<u>Findings and Conclusions of a Third Party Due Diligence Report Obtained By the Issuer</u>** |

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

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

Dated: November 25, 2025

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| | |
|:---|:---|
| GS Mortgage Securities Corp. | GS Mortgage Securities Corp. |
| (Depositor) | (Depositor) |
| By:  | <u>/s/ Michael Dente&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u> |
|  | Name: Michael Dente |
|  | Title: Vice President |

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#### EXHIBIT INDEX
<u>Exhibit Number</u>

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| | |
|:---|:---|
| 99.1 | Disclosures required by Rule 15Ga-2 for AMC Diligence, LLC |
|  | Schedule 1 – Executive Summary/Narrative |
|  | Schedule 2 – Rating Agency Grades |
|  | Schedule 3 – Exception Grades |
|  | Schedule 4 – Valuation Report |
|  | Schedule 5 – Supplemental Data |
|  | Schedule 6 – ASF Addendum – Business Purpose |
|  | Schedule 7 – Data Compare Report |
|  | Schedule 8 – Modification Extract |
|  | Schedule 9 – Modification Only Extract |
|  | Schedule 10 – Extension Deferment |
|  | Schedule 11 – Collection Comments Report |
| 99.2 | Disclosures required by Rule 15Ga-2 for Covius Real Estate Services, LLC |
|  | Schedule 1 – Executive Summary/Narrative |
|  | Schedule 2 – ATR QM Report |
|  | Schedule 3 – Tape Compare Report |
|  | Schedule 4 – Grades Report |
|  | Schedule 5 – Data Report |
|  | Schedule 6 – Valuation Report |
|  | Schedule 7 – Exceptions Report |
|  | Schedule 8 – Mortgaged Properties Data Report |
| 99.3 | Disclosures required by Rule 15Ga-2 for Clayton Services, LLC |
|  | Schedule 1 – Executive Summary/Narrative |
|  | Schedule 2 – Conditions Report |
|  | Schedule 3 – Loan Level Tape Compare |
|  | Schedule 4 – Non-ATR QM |
|  | Schedule 5 – Rating Agency ATR |
|  | Schedule 6 – Standard Upload |
|  | Schedule 7 – Valuations Summary |
|  | Schedule 8 – Waived Conditions |
| 99.4 | Disclosures required by Rule 15Ga-2 for Opus Capital Markets Consultants, LLC |
|  | Schedule 1 – Executive Summary/Narrative |
|  | Schedule 2 – Rating Agency Grades |
|  | Schedule 3 – Loan Level Exceptions |
|  | Schedule 4 – Exception Level |
|  | Schedule 5 – Supplemental Data |
|  | Schedule 6 – QM-ATR |
|  | Schedule 7 – ASF Addendum - Business Purpose |
|  | Schedule 8 – Valuation Summary |

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## Exhibit 99.1

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#### EXECUTIVE SUMMARY

#### DESCRIPTION OF SERVICES
(1) Type of assets that were reviewed.

AMC Diligence, LLC ("AMC") performed certain due diligence services described below on conforming and non-conforming residential mortgages acquired from various parties. The review was conducted on behalf of Goldman Sachs Mortgage Company ("Client") via files imaged and provided by Goldman Sachs Mortgage Company (the "Review"). The loans in the Review carried origination dates between May 2019 and January 2022.

(2) Sample size of the assets reviewed.

The Review was conducted on the portion of the securitization mortgage loan population reviewed by AMC. The Client may have utilized multiple third-party review ("TPR") firms for the securitization and AMC may or may not have reviewed all of the mortgage loans in the securitization loan population for a specific scope of review. During the course of the selection of the final securitization population mortgage loans may have been eliminated from the originally envisioned securitization population for reasons that are unknown to AMC. Within the final securitization mortgage loan population, the Review sample was broken down into the following review scopes:

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| | | |
|:---|:---|:---|
| ◾ | "Credit and Compliance Review": | 182 mortgage loans |
| ◾ | "Leases Review": | 75 mortgage loans |
| ◾ | "Modification Review": | 26 mortgage loans |
| ◾ | "Collection Comment Review": | 44 mortgage loans |

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(3) Determination of the sample size and computation.

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

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

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

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| | | | | |
|:---|:---|:---|:---|:---|
| # of Units | Contract Sales Price | Interest Rate Life Max | Occupancy | Property Type |
| Amortization Term | Doc Type | Interest Rate Life Min | Original CLTV | Purpose |
| Amortization Type | First Interest Rate Change Date | Interest Rate Periodic Cap | Original Interest Rate | Refi Purpose |
| Appraised Value | First Payment Date | Investor: Qualifying Total Debt Ratio | Original Interest Rate Period | Representative FICO |
| Borrower First Name | Has FTHB | Lender | Original Loan Amount | State |
| Borrower Last Name | Index Type | Lien Position | Original LTV | Street |
| Borrower Self-Employed? | Interest Only | Lookback Period | Original P&I | Universal Loan Identifier (ULI) |
| Borrower SSN | Interest Rate Change Frequency | LTV Valuation Value | Original Term | Zip |
| City | Interest Rate Initial Cap | Margin | Origination Channel |  |
| Coborrower First Name | Interest Rate Initial Floor | Mortgage Type | Origination Company Name |  |
| Coborrower Last Name | Interest Rate Life Cap | Next Interest Rate Change Date | Originator Loan Designation |  |
| Coborrower Self-Employed? | Interest Rate Life Floor | Note Date | Product Description |  |

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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

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documents were consistent, and (v) debt-to-income ratio ("DTI(s)"), and/or loan-to-value ratios ("LTV(s)") used in the assessment of conformity guidelines.

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

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

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

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

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

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

**DU/LP Review:** When a DU/LP form is provided, AMC (i) confirmed and captured recommendations and (ii) verified that (a) red flags listed on the DU/LP were addressed by the underwriter, (b) listed credit conditions were cleared by the underwriter, and (c) the final DU/LP in the file contained data that matched the data gathered from documents in the file. All mortgage loans are manually underwritten with documentation requirements determined by Client guidelines and the AUS findings.

**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.

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

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

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

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

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

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

#### LEASES REVIEW

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

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

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

**Credit Report:** AMC will verify (a) a credit report is present for each borrower, (b) note and research the Real Estate Owned and fraud alerts, (c) and gather data including (i) representative FICO, (ii) scores from Equifax, Experian, and

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<br> Transunion (if available), (iii) verify that the public records listed are disclosed on the application and adequately explained and in compliance with guidelines, and (iv) the number and length of trade lines.

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

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

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

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

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

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

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

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

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

**Fraud / Criminal Background:** To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, AMC will look for an independent, third party fraud report and

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background check in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan.

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

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

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

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

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

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

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

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

Please be advised that AMC did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings

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reached by AMC are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which AMC is relying in reaching such findings.

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

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

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

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

<br> a) <u>Rescission (§1026.23, §1026.15):</u>

<br> i) failure to provide the right of rescission notice;

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

<br> iii) errors in the right of rescission notice;

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

<br> 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

<br> 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.

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

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

<br> ii) proper execution by all required parties;

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

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

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

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

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

<br> 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

<br> 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.

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

<br> i) points and fees threshold test;

<br> ii) APR threshold test;

<br> iii) prepayment penalty threshold test; and

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

<br> f) <u>Higher-priced Mortgage Loan (§1026.35):</u>

<br> i) APR threshold test; and

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

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

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

<br> 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.

<sup>(1)</sup> 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;<br>

<br> h) <u>Homeownership counseling (§1026.36):</u>

<br> 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.

<br> i) <u>Mandatory Arbitration Clauses (§1026.36):</u>

<br> 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.

<br> j) <u>Prohibition on Financing Credit Insurance (§1026.36):</u>

<br> i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

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

<br> 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

<br> 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:

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

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

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

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

<br> 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

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

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

<br> i) confirm current applicable HUD form was provided;

<br> 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

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

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

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

<br> 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

<br> 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.

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

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

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

<br> 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;

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

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

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

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

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

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

<br> 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):

<br> a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u>

<br> i) confirm the presence of LE for applications on or after October 3, 2015;

<br> 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;

<br> 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;

<br> 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.

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

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

<br> b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u>

<br> i) confirm the presence of CD for applications on or after October 3, 2015;

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<br> 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;

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

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

<br> 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.)

<br> c) <u>Your Home Loan Toolkit (§1026.19):</u>

<br> 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

<br> 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:

<br> a) The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

<br> b) Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

<br> 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

<br> d) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

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

*<u>Qualified Mortgage</u>*

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

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

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

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

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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 being originated to. The loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH. In the event the lender identified the loan to have VSH status, then AMC reviewed to identify documentation variances that would cause one to question the VSH attestation from the lender. If variances were identified, then the loan would not be identified by AMC to meet the VSH documentation requirements under either the Fannie Mae guidelines or under the Freddie Mac guidelines. The results of the variance analysis is reflected in the reports.

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

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

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

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

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

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

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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:

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

<br> i) timing and content of the right to receive copy of appraisal disclosure;

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

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

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

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

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

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

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

(X) Recording Review

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

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

(XI) FIRREA Review

AMC confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, AMC reviewed the appraisal for conformity to industry standards, including ensuring the 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):

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<br> ◾ Initial application (1003);

<br> ◾ Underwriting summary / loan approval (1008);

<br> ◾ Credit report;

<br> ◾ Income and employment documentation;

<br> ◾ 4506T;

<br> ◾ Asset documentation;

<br> ◾ Sales contract;

<br> ◾ Hazard and/or flood insurance policies;

<br> ◾ Copy of note for any junior liens;

<br> ◾ Appraisal;

<br> ◾ Title/Preliminary Title;

<br> ◾ Final 1003;

<br> ◾ Changed circumstance documentation;

<br> ◾ Right of Rescission Disclosure;

<br> ◾ Mortgage/Deed of Trust;

<br> ◾ Note;

<br> ◾ Mortgage Insurance;

<br> ◾ Tangible Net Benefit Disclosure;

<br> ◾ Subordination Agreement;

<br> ◾ FACTA disclosures;

<br> ◾ Notice of Special Flood Hazards;

<br> ◾ Initial and final GFE's;

<br> ◾ HUD from sale of previous residence;

<br> ◾ Final HUD-1;

<br> ◾ Initial TIL;

<br> ◾ Final TIL;

<br> ◾ Loan Estimates;

<br> ◾ Closing Disclosures; and

<br> ◾ Certain other disclosures related to the enumerated tests set forth herein.

(8) Other: review and methodology.

**Modification Review:** AMC conducted a review of the modification, or modifications, contained within the mortgage loan file.

**Collection Comment Review:** Following the acquisition of the mortgage loans but before securitization, AMC performed a review utilizing individual mortgage loan collection comments provided by the servicer in order to provide a brief summary outlining current performance status, the borrower's ability to pay, relative future/current risk (including hardship, life changes, etc.), possible servicer remedies, loss mitigation efforts, and modifications.

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

(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

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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 DBRS, Inc. ("DBRS") and Fitch Ratings, Inc. ("Fitch").

#### OVERALL REVIEW RESULTS SUMMARY
There were two hundred fifty-seven (257) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable DBRS NRSRO grading criteria one hundred twenty-nine (129) (50.19%) had an Overall grade of "A", one hundred twenty-eight (128) (49.81%) had an Overall grade of "B", and no loans had exceptions that generated an Overall grade of "C". Under the applicable Fitch NRSRO grading criteria one hundred twenty-seven (127) (49.42%) had an Overall grade of "A", one hundred thirty (130) (50.58%) had an Overall grade of "B", and no loans had exceptions that generated an Overall grade of "C".

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| | | |
|:---|:---|:---|
| **NRSRO Grade (DBRS)** | **# of Loans** | **Percentage of Loans** |
| A | 129 | 50.19% |
| B | 128 | 49.81% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

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| | | |
|:---|:---|:---|
| **NRSRO Grade (Fitch)** | **# of Loans** | **Percentage of Loans** |
| A | 127 | 49.42% |
| B | 130 | 50.58% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

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#### CREDIT REVIEW RESULTS SUMMARY
One hundred sixty-seven (167) (64.98%) mortgage loans of the total received an "A" Credit Review grade. The ninety (90) (35.02%) "B" Credit Review grades were due to missing documentation and/or guideline adherence (see exception detail below). Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets.

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| | | |
|:---|:---|:---|
| **NRSRO Grade (DBRS, Fitch)** | **# of Loans** | **Percentage of Loans** |
| A | 167 | 64.98% |
| B | 90 | 35.02% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

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#### COMPLIANCE REVIEW RESULTS SUMMARY
Under the applicable DBRS NRSRO grading criteria, one hundred four (104) (40.47%) had a Compliance Review grade of "A", and seventy-eight (78) (30.35%) had a Compliance Review grade of "B", and seventy-five (75) (29.18%) did not have a compliance grade assigned. Under the applicable Fitch NRSRO grading criteria, one hundred one (101) (39.30%) had a Compliance Review grade of "A", and eighty-one (81) (31.52%) had a Compliance Review grade of "B", and seventy-five (75) (29.18%) did not have a compliance grade assigned. Loans with a Compliance Review grade of "B" may have multiple compliance exceptions (see exception detail below); however, none are lower than a grade of "B".

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| | | |
|:---|:---|:---|
| **NRSRO Grade (DBRS)** | **# of Loans** | **Percentage of Loans** |
| A | 104 | 40.47% |
| B | 78 | 30.35% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| N/A | 75 | 29.18% |

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| | | |
|:---|:---|:---|
| **NRSRO Grade (Fitch)** | **# of Loans** | **Percentage of Loans** |
| A | 101 | 39.30% |
| B | 81 | 31.52% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| N/A | 75 | 29.18% |

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#### PROPERTY/VALUATION REVIEW RESULTS SUMMARY
Under the applicable NRSRO grading criteria two hundred fifty-five (255) (99.22%) loans had a Property/Valuation grade of "A". Two (2) (0.78%) of the loans generated a Property/Valuation grade of "B" due to the appraisal was not in the name of the lender; however, none are lower than a grade of "B."

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| | | |
|:---|:---|:---|
| **NRSRO Grade (DBRS, Fitch)** | **# of Loans** | **Percentage of Loans** |
| A | 255 | 99.22% |
| B | 2 | 0.78% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

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#### REVIEW EXCEPTION SUMMARY (257 Mortgage Loans)
The summaries below detail the exceptions from the Compliance, Credit and Property Reviews that would have resulted in a "B", "C", or "D" grade for a given mortgage loan under the NRSRO grading criteria. Please note that exception grades of EV1, EV2, and EV3 may not result in a corresponding "B", "C", or "D" grade per relevant rating agency guidelines due to considerations including statute of limitations and specific characteristics of ratings by a given NRSRO. Also note that some mortgage loans may have multiple exceptions and, as a result, may have an exception or multiple exceptions in any one exception category.

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| | | | |
|:---|:---|:---|:---|
| **Exception Type** | **DBRS Final Exception Rating** | **Exception Category** | **Total** |
| Compliance | B | ECOA | 49 |
| Compliance | B | TRID Defect | 30 |
| Compliance | B | ATR/QM Defect | 21 |
| Compliance | B | ATR/QM | 9 |
| Compliance | B | RESPA | 6 |
| Compliance | B | Missing, Incorrect, or Incomplete HUD-1 | 5 |
| Compliance | B | TRID | 4 |
| Compliance | B | Missing Disclosure | 3 |
| Compliance | B | Federal HPML | 3 |
| Compliance | B | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | 3 |
| Compliance | B | State HPML | 2 |
| Compliance | B | Misc. State Level | 1 |
| Compliance | B | FACTA | 1 |
| Compliance | B | ***Total Compliance Grade (B) Exceptions:*** | ***137*** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **137** |
| Credit | B | Guideline | 89 |
| Credit | B | Title | 9 |
| Credit | B | Missing Document | 7 |
| Credit | B | Credit | 5 |
| Credit | B | Insurance | 3 |
| Credit | B | Note | 2 |
| Credit | B | Borrower and Mortgage Eligibility | 2 |
| Credit | B | Asset | 1 |
| Credit | B | Income / Employment | 1 |
| Credit | B | ***Total Credit Grade (B) Exceptions:*** | ***119*** |
| **Total Credit Exceptions:** | **Total Credit Exceptions:** | **Total Credit Exceptions:** | **119** |
| Property | B | Property - Appraisal | 2 |
| Property | B | ***Total Property Grade (B) Exceptions:*** | ***2*** |
| **Total Property Exceptions:** | **Total Property Exceptions:** | **Total Property Exceptions:** | **2** |
| **Grand Total:** | **Grand Total:** | **Grand Total:** | **258** |

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| | | | |
|:---|:---|:---|:---|
| **Exception Type** | **Fitch Final Exception Rating** | **Exception Category** | **Total** |
| Compliance | B | ECOA | 49 |
| Compliance | B | TRID Defect | 30 |
| Compliance | B | ATR/QM Defect | 26 |
| Compliance | B | ATR/QM | 9 |
| Compliance | B | RESPA | 6 |
| Compliance | B | Missing, Incorrect, or Incomplete HUD-1 | 5 |

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| | | | |
|:---|:---|:---|:---|
| | | TRID | 4 |
| | | Missing Disclosure | 3 |
| | | Federal HPML | 3 |
| | | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | 3 |
| | | State HPML | 2 |
| | | Misc. State Level | 1 |
| | | FACTA | 1 |
|  |  | ***Total Compliance Grade (B) Exceptions:*** | ***142*** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **142** |
| Credit | B | Guideline | 89 |
| Credit | B | Title | 9 |
| Credit | B | Missing Document | 7 |
| Credit | B | Credit | 5 |
| Credit | B | Insurance | 3 |
| Credit | B | Note | 2 |
| Credit | B | Borrower and Mortgage Eligibility | 2 |
| Credit | B | Asset | 1 |
| Credit | B | Income / Employment | 1 |
| Credit | B | ***Total Credit Grade (B) Exceptions:*** | ***119*** |
| **Total Credit Exceptions:** | **Total Credit Exceptions:** | **Total Credit Exceptions:** | **119** |
| Property | B | Property - Appraisal | 2 |
| Property | B | ***Total Property Grade (B) Exceptions:*** | ***2*** |
| **Total Property Exceptions:** | **Total Property Exceptions:** | **Total Property Exceptions:** | **2** |
| **Grand Total:** | **Grand Total:** | **Grand Total:** | **263** |

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#### COLLECTION COMMENT REVIEW SUMMARY (44 Mortgage Loans)
Of the mortgage loans subject to the collection comment review, 16 mortgage loans (36.36%) triggered an EV1 or EV2 exception level, and 28 mortgage loans (63.64%) triggered an EV3.

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| | | | |
|:---|:---|:---|:---|
| **Servicing Review Grade** | **Servicing Review Grade** | **Loan Count** | **% of Loans** |
| 1 | 1 | 4 | 9.09% |
| 2 | 2 | 12 | 27.27% |
| 3 | 3 | 28 | 63.64% |
| **Total** | **Total** | **44** | **100.00%** |
| **EV3 Exceptions** | **EV3 Exceptions** | **# Exceptions** | **% of Loans** |
| Loan exhibits evidence of litigation | 1 | 1 | 2.27% |
| Loan has evidence of title issue(s). | 2 | 2 | 4.55% |
| Property Damage - Fire - No evidence of repair | 5 | 5 | 11.36% |
| Property Damage - Flood - No evidence of resolution | 1 | 1 | 2.27% |
| Property Damage - Structural - No evidence of resolution | 1 | 1 | 2.27% |

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| | | |
|:---|:---|:---|
| Property Damage - Other Natural Causes - No evidence of resolution | 2 | 4.55% |
| Property Damage - UTD - No evidence of resolution | 11 | 25.00% |
| Property Damage - Vandalism - No evidence of resolution | 1 | 2.27% |
| There is evidence of property damage | 4 | 9.09% |
| **Total** | 28 | 63.64% |

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#### TAPE INTEGRITY REVIEW RESULTS SUMMARY
Of the two hundred fifty-seven (257) mortgage loans reviewed, one hundred ninety-three (193) of the mortgage loans had two hundred ninety-four (294) tape discrepancies across twenty-one (21) data fields.

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| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| # of Units | 0 | 153 | 0.00% | 257 |
| Amortization Term | 0 | 110 | 0.00% | 257 |
| Amortization Type | 0 | 104 | 0.00% | 257 |
| Appraised Value | 0 | 4 | 0.00% | 257 |
| Borrower First Name | 0 | 24 | 0.00% | 257 |
| Borrower Last Name | 0 | 24 | 0.00% | 257 |
| Borrower Self-Employed? | 5 | 126 | 3.97% | 257 |
| Borrower SSN | 0 | 2 | 0.00% | 257 |
| City | 1 | 257 | 0.39% | 257 |
| Coborrower First Name | 0 | 3 | 0.00% | 257 |
| Coborrower Last Name | 0 | 3 | 0.00% | 257 |
| Coborrower Self-Employed? | 0 | 2 | 0.00% | 257 |
| Contract Sales Price | 2 | 230 | 0.87% | 257 |
| Doc Type | 43 | 79 | 54.43% | 257 |
| First Interest Rate Change Date | 0 | 1 | 0.00% | 257 |
| First Payment Date | 0 | 132 | 0.00% | 257 |
| Has FTHB | 0 | 22 | 0.00% | 257 |
| Index Type | 0 | 14 | 0.00% | 257 |
| Interest Only | 0 | 1 | 0.00% | 257 |
| Interest Rate Change Frequency | 0 | 9 | 0.00% | 257 |
| Interest Rate Initial Cap | 0 | 38 | 0.00% | 257 |
| Interest Rate Initial Floor | 2 | 13 | 15.38% | 257 |
| Interest Rate Life Cap | 0 | 22 | 0.00% | 257 |
| Interest Rate Life Floor | 2 | 25 | 8.00% | 257 |
| Interest Rate Life Max | 0 | 16 | 0.00% | 257 |
| Interest Rate Life Min | 0 | 13 | 0.00% | 257 |
| Interest Rate Periodic Cap | 0 | 24 | 0.00% | 257 |
| Investor: Qualifying Total Debt Ratio | 5 | 125 | 4.00% | 257 |
| Lender | 0 | 2 | 0.00% | 257 |
| Lien Position | 0 | 132 | 0.00% | 257 |
| Lookback Period | 0 | 13 | 0.00% | 257 |
| LTV Valuation Value | 5 | 253 | 1.98% | 257 |
| Margin | 0 | 163 | 0.00% | 257 |

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| | | | | |
|:---|:---|:---|:---|:---|
| Mortgage Type | 1 | 4 | 25.00% | 257 |
| Next Interest Rate Change Date | 0 | 1 | 0.00% | 257 |
| Note Date | 71 | 110 | 64.55% | 257 |
| Occupancy | 72 | 257 | 28.02% | 257 |
| Original CLTV | 1 | 126 | 0.79% | 257 |
| Original Interest Rate | 2 | 257 | 0.78% | 257 |
| Original Interest Rate Period | 0 | 22 | 0.00% | 257 |
| Original Loan Amount | 1 | 257 | 0.39% | 257 |
| Original LTV | 3 | 255 | 1.18% | 257 |
| Original P&I | 0 | 28 | 0.00% | 257 |
| Original Term | 0 | 257 | 0.00% | 257 |
| Origination Channel | 3 | 108 | 2.78% | 257 |
| Origination Company Name | 0 | 2 | 0.00% | 257 |
| Originator Loan Designation | 8 | 109 | 7.34% | 257 |
| Product Description | 0 | 2 | 0.00% | 257 |
| Property Type | 45 | 150 | 30.00% | 257 |
| Purpose | 0 | 153 | 0.00% | 257 |
| Refi Purpose | 1 | 37 | 2.70% | 257 |
| Representative FICO | 3 | 250 | 1.20% | 257 |
| State | 0 | 255 | 0.00% | 257 |
| Street | 0 | 28 | 0.00% | 257 |
| Universal Loan Identifier (ULI) | 18 | 103 | 17.48% | 257 |
| Zip | 0 | 132 | 0.00% | 257 |
| **Total** | **294** | **5042** | **5.83%** | **257** |

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#### ADDITIONAL LOAN POPULATION SUMMARY\*

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| | | | | |
|:---|:---|:---|:---|:---|
| **Amortization Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Fixed | 232 | 90.27% | $124250236.00 | 90.48% |
| Adjustable | 25 | 9.73% | $13070920.00 | 9.52% |
| **Total** | **257** | **100.00%** | **$137321156.00** | **100.00%** |
| **Lien Position** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 1 | 257 | 100.00% | $137321156.00 | 100.00% |
| **Total** | **257** | **100.00%** | **$137321156.00** | **100.00%** |
| **Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Cash Out: Home Improvement/Renovation | 3 | 1.17% | $939000.00 | 0.68% |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 37 | 14.40% | $21540850.00 | 15.69% |
| First Time Home Purchase | 60 | 23.35% | $31128612.00 | 22.67% |
| Other-than-first-time Home Purchase | 138 | 53.70% | $74269768.00 | 54.08% |
| Rate/Term Refinance - Borrower Initiated | 19 | 7.39% | $9442926.00 | 6.88% |

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| | | | | |
|:---|:---|:---|:---|:---|
| **Total** | **257** | **100.00%** | **$137321156.00** | **100.00%** |
| **Original Term** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 181-240 Months | 1 | 0.39% | $208000.00 | 0.15% |
| 241-360 Months | 241 | 93.77% | $120223406.00 | 87.55% |
| 361+ Months | 15 | 5.84% | $16889750.00 | 12.30% |
| **Total** | **257** | **100.00%** | **$137321156.00** | **100.00%** |
| **Property Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Single Family Detached | 102 | 39.69% | $66760201.00 | 48.62% |
| Condo, Low Rise | 43 | 16.73% | $13745569.00 | 10.01% |
| Condo, High Rise | 19 | 7.39% | $6279450.00 | 4.57% |
| PUD | 63 | 24.51% | $35606986.00 | 25.93% |
| 1 Family Attached | 3 | 1.17% | $496150.00 | 0.36% |
| 2 Family | 19 | 7.39% | $8528550.00 | 6.21% |
| 3 Family | 4 | 1.56% | $2548000.00 | 1.86% |
| 4 Family | 4 | 1.56% | $3356250.00 | 2.44% |
| **Total** | **257** | **100.00%** | **$137321156.00** | **100.00%** |
| **Occupancy** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Primary | 140 | 54.47% | $91950513.00 | 66.96% |
| Investment | 93 | 36.19% | $32841303.00 | 23.92% |
| Second Home | 24 | 9.34% | $12529340.00 | 9.12% |
| **Total** | **257** | **100.00%** | **$137321156.00** | **100.00%** |
| **TPR Loan Designation** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Non QM | 135 | 52.53% | $86773578.00 | 63.19% |
| N/A (investment property consumer mortgage) | 75 | 29.18% | $26458103.00 | 19.27% |
| Higher Priced QM (43-Q) | 19 | 7.39% | $8761205.00 | 6.38% |
| Safe Harbor QM (Q-43) | 9 | 3.50% | $8816370.00 | 6.42% |
| Temporary HPQM (GSE/Agency Eligible) | 1 | 0.39% | $128700.00 | 0.09% |
| N/A | 18 | 7.00% | $6383200.00 | 4.65% |
| **Total** | **257** | **100.00%** | **$137321156.00** | **100.00%** |

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\*Tables may not add to 100% due to rounding.

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## Exhibit 99.1

![](situs_logo.jpg)

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| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 11/14/2025 4:32:21 PM** |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **FINAL COMPLIANCE LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Unique Loan ID** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** |
| [redacted] | [redacted] | [redacted] | [redacted] | 58830311 |  | C<br> A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 53573755 |  | C<br> A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 50409521 |  | D<br> A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 50377677 |  | C<br> A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 51840239 |  | C<br> A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 53084867 |  | C<br> A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 53629977 |  | C<br> A<br> B | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 55373509 |  | C<br> A<br> B | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 59013026 |  | D<br> A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 59372034 |  | C<br> A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 52398225 |  | C<br> A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 59501485 |  | C<br> A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 59747221 |  | C<br> A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 54457658 |  | C<br> D<br> A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 59978508 |  | C<br> A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 56719895 |  | C<br> A<br> B | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 59187077 |  | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 50585549 |  | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 57521660 |  | C<br> A<br> B | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 50732239 |  | D<br> A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 53045206 |  | B<br> A | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 53780958 |  | C<br> A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 59043457 |  | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 57501269 |  | C<br> A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 55446608 |  | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 54600471 |  | C<br> A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 52322231 |  | C<br> A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 58712324 |  | C<br> A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 53340969 |  | C<br> A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 55592595 |  | C<br> A<br> B | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 53781784 |  | B<br> A | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 54549726 |  | C<br> A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 57889468 |  | C<br> A<br> B | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 51054194 |  | C<br> A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 55119086 |  | C<br> A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 57084290 |  | C<br> A | A |  |
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| [redacted] | [redacted] | [redacted] | [redacted] | 58962286 |  | B<br> A | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 58618428 |  | A<br> B | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 55152659 |  | B<br> A | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 50541682 |  | A<br> C | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 55198072 |  | B<br> A | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 56547953 |  | B<br> A | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 50061381 |  | C<br> A<br> B | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 50705517 |  | C<br> B | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 54085064 |  | A<br> C<br> B | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 52502967 |  | A<br> C<br> B | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 50890588 |  | C<br> A<br> B | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 54375205 |  | A<br> C<br> B | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 55042781 |  | A<br> C<br> B | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 59987662 |  | A<br> B | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 53184584 |  | B<br> C<br> A | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 54092356 |  | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 51392886 |  | C<br> B<br> A | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 55372919 |  | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 56005910 |  | B<br> C<br> A | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 54044533 |  | C<br> A<br> B | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 56125062 |  | B<br> C<br> A | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 56916192 |  | C<br> A<br> B | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 52973069 |  | C<br> A<br> B | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 59697733 |  | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 59567208 |  | C<br> B<br> A | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 53389546 |  | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 50839803 |  | B<br> A | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 54855205 |  | C<br> D<br> A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 52454811 |  | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 50269951 |  | C<br> A<br> B | A<br> B |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 51354953 |  | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 57432930 |  | A | A |  |

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## Exhibit 99.1

![](situs_logo.jpg)

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| |
|:---|
| **Exception Grades** |
| **Run Date - 11/14/2025 4:32:22 PM** |

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Unique Loan ID** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| [redacted] | [redacted] | [redacted] | [redacted] | 58830311 | 34975268 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | The Title Commitment provided shows an APN as XXX.but the Security Instrument shows XXX. |  |  |  | Reviewer Comment (2021-12-09): Received Title commitment along with security instrument with correct APN number , Exception cleared.<br>Buyer Comment (2021-12-08): Title uploaded | 12/09/2021 |  |  | 1<br> C<br> A |  | WA | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58830311 | 34975269 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2021-12-09): Received Title commitment along with security instrument with correct APN number , Exception cleared.<br>Buyer Comment (2021-12-08): Title uploaded | 12/09/2021 |  |  | 1<br> C<br> A |  | WA | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53573755 | 34975273 |  | Credit | Missing Document | General | Missing Document | Missing Document: Bank Statements - Personal not provided |  | Verification of Mutual Funds at XXX Account Number XXX |  |  |  | Reviewer Comment (2021-12-21): Removed assets from verified.<br>Buyer Comment (2021-12-20): funds from this account is not needed for reserves or closing - please exclude | 12/21/2021 |  |  | 1<br> C<br> A |  | CA | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53573755 | 34975274 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  | There is an Interspousal Deed provided for one Borrower, missing for the other Borrower's spouse. |  |  |  | Reviewer Comment (2021-12-21): Received Interspousal deed for both borrowers. Exception Cleared<br>Buyer Comment (2021-12-20): interspousal transfers completed at closing<br>Buyer Comment (2021-12-20): This is an investment property - spousal consent is not required | 12/21/2021 |  |  | 1<br> C<br> A |  | CA | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53573755 | 34975276 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. | - |  |  |  |  | Reviewer Comment (2021-12-21): Cleared<br>Buyer Comment (2021-12-20): funds from these accounts are not needed for reserves or closing - please exclude | 12/21/2021 |  |  | 1<br> C<br> A |  | CA | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50409521 | 34975278 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Missing Deeds/Warranty/Grant/Quit-Claim from [redacted], a married woman to [redacted] and [redacted] |  |  |  | Reviewer Comment (2021-12-30): Received notarized deed. Exception Cleared<br>Buyer Comment (2021-12-28): Please see attached Deed | 12/30/2021 |  |  | 1<br> D<br> A |  | PA | Investment | Purchase | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50409521 | 34975281 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. |  | Missing HO-6 policy. Blanket policy provided does not include walls-in coverage |  |  |  | Reviewer Comment (2021-12-30): cleared<br>Buyer Comment (2021-12-28): Please see attached policy | 12/30/2021 |  |  | 1<br> C<br> A |  | PA | Investment | Purchase | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50377677 | 34975284 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  |  |  |  |  | Reviewer Comment (2022-01-05): Cleared<br>Buyer Comment (2022-01-04): Uploaded XXX statement regarding spousal consent in Texas.<br>Buyer Comment (2022-01-04): In Texas, spousal consent is required for a mortgage of TX homestead (generally primary residence) per the Texas Family Code. For non-homestead property such as second homes and investments, a non-titled spouse is not required to consent to the mortgage.<br> TX Family Code<br> Sec. 5.001. SALE, CONVEYANCE, OR ENCUMBRANCE OF HOMESTEAD. Whether the homestead is the separate property of either spouse or community property, neither spouse may sell, convey, or encumber the homestead without the joinder of the other spouse except as provided in this chapter or by other rules of law.<br>Reviewer Comment (2022-01-03): Loan is vested in individual name not business. Spousal consent required.<br>Buyer Comment (2021-12-30): This is a business purpose loan. A Spousal Consent is not required. | 01/05/2022 |  |  | 1<br> C<br> A |  | TX | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51840239 | 34975287 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2021-12-22): Approval Received. Exception is cleared.<br>Buyer Comment (2021-12-21): SEE APPROVAL | 12/22/2021 |  |  | 1<br> C<br> A |  | IL | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53084867 | 34975289 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-01-05): Received approval document , Exception cleared.<br>Buyer Comment (2022-01-04): uploaded 1008 & Approval | 01/05/2022 |  |  | 1<br> C<br> A |  | NY | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53629977 | 34975296 |  | Credit | Insurance | Insurance Analysis | Insurance | The Hazard Insurance Policy effective date is after the Note Date. | Hazard Insurance Policy Effective Date ___, Note Date ___ | /Hazard Insurance Policy Effective date 12/XX/2021 is after 12/ Disbursement date per Closing Statement | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | The representative FICO score exceeds the guideline minimum by 89 points. | XXX,Originator<br>XXX | Reviewer Comment (2022-01-27): Lender exception with comp factors.<br>Buyer Comment (2022-01-26): see exception for XXX<br>Reviewer Comment (2022-01-26): Provide a copy of the approved exception related to the subject loan for borrower XXX. The exception document provided [D0142] reflects a borrower name of XXX.<br>Buyer Comment (2022-01-26): the policy won't be updated - please escalate this to manager, the lender approved exception is due to the insurance effective date is after closing/after note date.<br>Reviewer Comment (2022-01-25): Exception remains. Updated HOI not provided. Exception document uploaded does not pertain to this loan/borrower.<br>Buyer Comment (2022-01-24): see approved exception.<br>Reviewer Comment (2022-01-19): Document not provided. Exception remains.<br>Buyer Comment (2022-01-19): pending Lender exception for effective date prior to note date.<br>Reviewer Comment (2022-01-19): We required HOI policy with effective date prior to note date 12/XX/2021 ,PDI will not clear the condition , Exception remains.<br>Buyer Comment (2022-01-18): there isn't an updated HOI Dec Page. The effective date of the XXth is correct.<br>Reviewer Comment (2022-01-14): Post Disaster Inspection does not clear exception. Please provide updated HOI Dec page.<br>Buyer Comment (2022-01-14): CDAIR added to support no damage to subject<br>Buyer Comment (2022-01-14): see CDAIR which supports no damage. |  |  | 01/27/2022 | 2<br> C<br> B |  | OH | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55373509 | 34975297 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | XXX |  |  |  | Reviewer Comment (2022-01-07): Documentation received. Exception cleared. 1/7/2022.<br>Buyer Comment (2022-01-06): SOS shows active | 01/07/2022 |  |  | 1<br> C<br> A |  | PA | Investment | Refinance - Cash-out - Other | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55373509 | 34975298 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | XXX |  |  |  | Reviewer Comment (2022-01-07): Documentation received. Exception cleared. 1/7/2022.<br>Buyer Comment (2022-01-06): Borrower is 100% Owner | 01/07/2022 |  |  | 1<br> C<br> A |  | PA | Investment | Refinance - Cash-out - Other | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55373509 | 34975300 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Per 1003, there is no housing expense associated with XXX primary residence. Lender exception in file to allow no primary housing history due to borrower living rent-free with her parents with whom she has been assisting with healthcare and safety needs for the past 3 years. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Comp factors used to waive exception. | XXX,Originator<br>XXX | Reviewer Comment (2022-01-04): Lender granted exception approval in loan file. |  |  | 01/04/2022 | 2<br> B |  | PA | Investment | Refinance - Cash-out - Other | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55373509 | 34975301 |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | - | Lease not provided. Subject appraised tenant occupied. |  |  |  | Reviewer Comment (2022-01-13): Cleared<br>Buyer Comment (2022-01-12): Amended Lease for review<br>Reviewer Comment (2022-01-07): Bank statements uploaded in trailing documents show $1,800 deposits from venmo, but they do not indicate the source of the payment or the purpose of the payment to verify that it is for rent. Exception remains<br>Buyer Comment (2022-01-07): Bank Statements were provided to show month to month rent<br>Reviewer Comment (2022-01-07): The lease provided expired 8/31/2019, please provide the renewal documentation. Exception remains. 1/7/2022.<br>Buyer Comment (2022-01-06): Lease for review | 01/13/2022 |  |  | 1<br> C<br> A |  | PA | Investment | Refinance - Cash-out - Other | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59013026 | 34975304 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Not provided |  |  |  | Reviewer Comment (2021-12-29): Received Guarantor Agreement. Exception Cleared<br>Buyer Comment (2021-12-28): Signed Guaranty for review | 12/29/2021 |  |  | 1<br> D<br> A |  | VA | Investment | Refinance - Cash-out - Other | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59013026 | 34975305 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Not provided |  |  |  | Reviewer Comment (2021-11-23): Received Business Purpose Certificate. Exception Cleared<br>Buyer Comment (2021-11-19): Please clear still shows open. Thanks<br>Reviewer Comment (2021-11-19): Documentation received. Exception cleared. 11/19/2021.<br>Buyer Comment (2021-11-17): Business Purpose for review | 11/23/2021 |  |  | 1<br> C<br> A |  | VA | Investment | Refinance - Cash-out - Other | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59013026 | 34975306 |  | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. |  | Updated hazard insurance policy not provided |  |  |  | Reviewer Comment (2021-10-20): Received Renewal HOI Policy. Exception Cleared<br>Buyer Comment (2021-10-18): HOI renewal for review | 10/20/2021 |  |  | 1<br> C<br> A |  | VA | Investment | Refinance - Cash-out - Other | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59013026 | 34975307 |  | Credit | Guideline | Guideline Issue | Guideline | Hazard Insurance Policy expires within 60 days of the Note Date or is already expired. |  | Exception set for missing updated declaration page |  |  |  | Reviewer Comment (2021-10-20): Received Renewal HOI Policy. Exception Cleared<br>Buyer Comment (2021-10-18): HOI renewal for review | 10/20/2021 |  |  | 1<br> C<br> A |  | VA | Investment | Refinance - Cash-out - Other | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59013026 | 34975308 |  | Credit | Guideline | Guideline Issue | Guideline | Hazard Insurance Policy expires within 60 days of the Note Date or is already expired. |  | Exception set for missing updated declaration page |  |  |  | Reviewer Comment (2021-10-20): Received Renewal HOI Policy. Exception Cleared<br>Buyer Comment (2021-10-18): HOI Renewal for review | 10/20/2021 |  |  | 1<br> C<br> A |  | VA | Investment | Refinance - Cash-out - Other | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59013026 | 34975309 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | no verification of primary housing |  |  |  | Reviewer Comment (2021-10-25): Cleared<br>Buyer Comment (2021-10-18): Pay History for review | 10/25/2021 |  |  | 1<br> C<br> A |  | VA | Investment | Refinance - Cash-out - Other | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59013026 | 34975310 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraiser Certification of Non Influence not provided. |  |  |  | Reviewer Comment (2021-10-20): Received Appraiser Certification of Non Influence , exception cleared.<br>Buyer Comment (2021-10-18): Appraiser Non Influence for review | 10/20/2021 |  |  | 1<br> C<br> A |  | VA | Investment | Refinance - Cash-out - Other | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59372034 | 34975311 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Missing 3 of 4 lease agreements. Subject appraised tenant(s) occupied. Buyer is purchasing subject with tenants in place. Only 1 of 4 lease agreements is in file. |  |  |  | Reviewer Comment (2021-12-15): XXX letter REVISED 08/XX/2021 states breakdown of 4 units, indicating that 3 are currently on month to month rent is in the file. Exception cleared.<br>Buyer Comment (2021-12-15): We obtained a LOE as to the reason why the three other leases were not provided.<br> We have an XXX LOE that breaks down the lease terms, this was also approved and signed by the seller.<br>Reviewer Comment (2021-12-13): Per appraisal's Operating Income Statement, all 4 units are currently rented. Leases in place on a monthly basis. Please provide. Exception remains.<br>Buyer Comment (2021-12-09): Only 1 lease was in place and it expired in August. There are no other active leases | 12/15/2021 |  |  | 1<br> C<br> A |  | NJ | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52398225 | 34975315 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  |  |  |  |  | Reviewer Comment (2021-12-16): Cleared<br>Buyer Comment (2021-12-16): Uploaded QCD from spouse<br>Reviewer Comment (2021-12-13): We would required approval from title that Spousal Consent form not required , Exception remains.<br>Buyer Comment (2021-12-10): This is not required on investment loans | 12/16/2021 |  |  | 1<br> C<br> A |  | CA | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52398225 | 34975319 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing source of funds verification for $25,000 earnest money deposit. |  |  |  | Reviewer Comment (2021-12-16): Cleared<br>Buyer Comment (2021-12-15): Uploaded EMD for $25,000<br>Reviewer Comment (2021-12-13): We required source of funds withdrawn verification for $25,000 earnest money deposit , Exception remains.<br>Buyer Comment (2021-12-10): Uploaded EMD | 12/16/2021 |  |  | 1<br> C<br> A |  | CA | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59501485 | 34975320 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2021-12-20): Provided.<br>Buyer Comment (2021-12-17): Uploaded business cert | 12/20/2021 |  |  | 1<br> C<br> A |  | NJ | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59501485 | 34975321 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | 12 month history not profided. |  |  |  | Reviewer Comment (2021-12-17): Received updated Credit Supplement showing Nov 2021 payment made for XXX. Exception Cleared<br>Buyer Comment (2021-12-16): Uploaded credit supplement<br>Reviewer Comment (2021-12-15): Loan was closed on 12/02/2021. Need to verify if XXX" 11/21 payment was made on this. provided supplement shows payment made till 10/21. Exception Remains.<br>Buyer Comment (2021-12-13): Uploaded VOM | 12/17/2021 |  |  | 1<br> C<br> A |  | NJ | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59747221 | 34975324 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | XXX |  |  |  | Reviewer Comment (2021-12-23): cleared<br>Buyer Comment (2021-12-22): There was a name change of companies going from XXX to XXX as such the articles would be the same | 12/23/2021 |  |  | 1<br> C<br> A |  | NY | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59747221 | 34975325 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Mising Document: Closing Protection Letter not provided. |  |  |  |  |  | Reviewer Comment (2021-12-23): Cleared<br>Buyer Comment (2021-12-22): NY loan CPL not required<br> E&O uploaded | 12/23/2021 |  |  | 1<br> C<br> A |  | NY | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54457658 | 34975328 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2022-01-07): Desk review provided in trailing documents. Exception cleared.<br>Buyer Comment (2022-01-06): Uploaded CDA. | 01/07/2022 |  |  | 1<br> D<br> A |  | NJ | Investment | Refinance - Cash-out - Other | D<br> A<br> C |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54457658 | 34975330 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2021-12-21): Received Approval document. Exception Cleared<br>Buyer Comment (2021-12-20): Uploaded approval. | 12/21/2021 |  |  | 1<br> C<br> A |  | NJ | Investment | Refinance - Cash-out - Other | D<br> A<br> C |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54457658 | 34975331 |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | CDA or ARR required unless SRR scores from both FNMA and FHLMC are 2.5 or less. The reports gave no score, so a CDA/ARR is required. |  |  |  | Reviewer Comment (2022-01-07): CDA provided in trailing documents. Exception cleared.<br>Buyer Comment (2022-01-06): Uploaded CDA. | 01/07/2022 |  |  | 1<br> C<br> A |  | NJ | Investment | Refinance - Cash-out - Other | D<br> A<br> C |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59978508 | 34975333 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2021-12-27): Received Approval document. Exception Cleared<br>Buyer Comment (2021-12-23): see approval | 12/27/2021 |  |  | 1<br> C<br> A |  | GA | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56719895 | 34975336 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | Missing |  |  |  | Reviewer Comment (2022-01-12): Cleared<br>Buyer Comment (2022-01-11): E&O with XXX listed<br>Reviewer Comment (2022-01-06): E&O provided does not reflect XXX ISAOA as certificate holder<br>Buyer Comment (2022-01-05): E&O for review<br>Reviewer Comment (2021-12-29): Errors and Omission document needs to be provided for New York state , Exception remains.<br>Buyer Comment (2021-12-27): New York State does not require a Closing Protection Letter | 01/12/2022 |  |  | 1<br> C<br> A |  | NY | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56719895 | 34975337 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Missing | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Comp factors used to waive exception. | XXX,Originator<br>XXX | Reviewer Comment (2021-12-23): Lender granted exception approval in loan file. |  |  | 12/23/2021 | 2<br> B |  | NY | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57521660 | 34975345 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2021-12-28): Cleared<br>Buyer Comment (2021-12-27): uploaded approval | 12/28/2021 |  |  | 1<br> C<br> A |  | NC | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57521660 | 34975347 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Borrower has not verified housing history. Per 1003, there is no housing expense associated with XXX primary residence. Property owned by XXX per Fraud Report. Borrowers without mortgage or rental housing history including borrowers living rent free are not eligible but will be considered on an exception basis. Lender's Exception Approval is in file; however, the terms of approval do not match the terms verified in the loan file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 115.63 > 8<br>778 > 660 | XXX<br>XXX,Originator | Reviewer Comment (2021-12-28): comp factor used to waive exception<br>Buyer Comment (2021-12-27): uploaded exception |  |  | 12/28/2021 | 2<br> C<br> B |  | NC | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50732239 | 34975348 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  |  |  |  | Reviewer Comment (2022-01-04): Cleared<br>Buyer Comment (2022-01-04): Uploaded E&O<br>Reviewer Comment (2021-12-30): E&O not uploaded in file. Exception Remains.<br>Buyer Comment (2021-12-28): Uploaded title report. This is in NY so no CPL. NY uses E&O | 01/04/2022 |  |  | 1<br> C<br> A |  | NY | Investment | Refinance - Cash-out - Other | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50732239 | 34975349 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Missing tri-merged credit report dated within 90 days of Note date |  |  |  | Reviewer Comment (2021-12-30): Cleared<br>Buyer Comment (2021-12-28): uploaded credit report | 12/30/2021 |  |  | 1<br> D<br> A |  | NY | Investment | Refinance - Cash-out - Other | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50732239 | 34975350 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Missing tri-merged credit report dated within 90 days of Note date |  |  |  | Reviewer Comment (2021-12-30): As per Credit Report median score is 769 which meets the criteria. Exception Cleared.<br>Buyer Comment (2021-12-28): Uploaded credit report | 12/30/2021 |  |  | 1<br> C<br> A |  | NY | Investment | Refinance - Cash-out - Other | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50732239 | 34975351 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Mising Document: Closing Protection Letter not provided. |  |  |  |  |  | Reviewer Comment (2022-01-04): cleared<br>Buyer Comment (2022-01-04): Uploaded E&O | 01/04/2022 |  |  | 1<br> C<br> A |  | NY | Investment | Refinance - Cash-out - Other | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50732239 | 34975352 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | XXX owned primary secures WFHE #1998. Missing tri-merged credit report dated within 90 days of Note date |  |  |  | Reviewer Comment (2021-12-30): Cleared.<br>Buyer Comment (2021-12-28): Uploaded credit report | 12/30/2021 |  |  | 1<br> C<br> A |  | NY | Investment | Refinance - Cash-out - Other | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50732239 | 34975353 |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  |  |  |  |  | Reviewer Comment (2021-12-30): Received LOE for cash out proceeds. Exception Cleared<br>Buyer Comment (2021-12-28): Uploaded LOE | 12/30/2021 |  |  | 1<br> C<br> A |  | NY | Investment | Refinance - Cash-out - Other | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50732239 | 34975354 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject transaction is a cash out refinance. Neither report gave a score, which would require approval from XXX's appraisal review department. |  |  |  | Reviewer Comment (2021-12-30): Cleared<br>Buyer Comment (2021-12-28): Uploaded credit report | 12/30/2021 |  |  | 1<br> C<br> A |  | NY | Investment | Refinance - Cash-out - Other | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53045206 | 34975355 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Borrower has no verified housing expense. Per 1003, there is no housing expense associated with XXX primary residence. Borrower lives rent free. Borrowers without mortgage or rental housing history including borrowers living rent free are not eligible but will be considered on an exception basis. Lender's Exception Approval is in file. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | 41.07 > 8 | XXX<br>XXX,Originator<br>XXX | Reviewer Comment (2021-12-27): LTV is 75%, 5% < program maximum of 80%<br> Credit Score is 724, 64 points > program requirement of 660<br> No public records |  |  | 12/27/2021 | 2<br> B |  | IL | Investment | Purchase | B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53780958 | 34975358 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  |  |  |  |  | Reviewer Comment (2022-01-03): Cleared<br>Buyer Comment (2021-12-30): Uploaded Grant De,Bargain Sale Deed from Spouse to Borrower her sole and seperate property for the subject loan. Please clear.<br>Buyer Comment (2021-12-30): Grant Deed from Spouse | 01/03/2022 |  |  | 1<br> C<br> A |  | NV | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57501269 | 34975366 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  |  |  |  |  | Reviewer Comment (2022-01-05): Cleared<br>Buyer Comment (2022-01-04): uploaded pay histories, HAZ & Tax Subject XXX, | 01/05/2022 |  |  | 1<br> C<br> A |  | OH | Investment | Refinance - Cash-out - Other | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57501269 | 34975367 |  | Credit | Guideline | Guideline Issue | Guideline | Hazard Insurance Policy expires within 60 days of the Note Date or is already expired. |  | HOI Policy must be effective for at least 60 days after the date of the Loan |  |  |  | Reviewer Comment (2022-01-06): Received updated Hazard Policy, doc associated & system updated. Exception Cleared<br>Buyer Comment (2022-01-06): uploaded 2022-2023 HAZ Dec Pgs | 01/06/2022 |  |  | 1<br> C<br> A |  | OH | Investment | Refinance - Cash-out - Other | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54600471 | 34975370 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-01-03): Cleared<br>Buyer Comment (2021-12-30): I have uploaded the Conditional Loan Approval and the XXX Mortgage Findings for your review. | 01/03/2022 |  |  | 1<br> C<br> A |  | MA | Investment | Refinance - Cash-out - Other | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54600471 | 34975373 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject transaction is a cash out refinance. Neither report gave a score, which would require approval from XXX's appraisal review department. |  |  |  | Reviewer Comment (2022-01-03): Cleared<br>Buyer Comment (2021-12-30): I have uploaded the screenshot with the internal Appraisal Review for your review. | 01/03/2022 |  |  | 1<br> C<br> A |  | MA | Investment | Refinance - Cash-out - Other | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52322231 | 34975374 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  |  |  |  |  | Reviewer Comment (2022-01-03): Cleared<br>Buyer Comment (2021-12-30): SEE REBUTTAL<br>Buyer Comment (2021-12-30): subject is not a primary residence, investment property and not required<br>Buyer Comment (2021-12-30): if spousal consent is not required, lender will not request the form. title will not prepare the form. | 01/03/2022 |  |  | 1<br> C<br> A |  | TX | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58712324 | 34975378 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2022-01-06): Cleared<br>Buyer Comment (2022-01-05): Uploaded Third Party Verification for Central Nails.<br>Reviewer Comment (2022-01-03): Please provide 3rd party verification, i.e. business entity listing, that the business was active and in good standing at time of closing.<br>Buyer Comment (2021-12-30): Uploaded Legal Dept. approval of XXX documents submitted, including a statement from the borrower that there is no operating agreement or certificate of good standing for her XXX on page 4 of submitted documentation. | 01/06/2022 |  |  | 1<br> C<br> A |  | OH | Investment | Refinance - Cash-out - Other | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58712324 | 34975379 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2022-01-04): Cleared<br>Buyer Comment (2021-12-30): Uploaded Legal Dept. approval of XXX documents submitted, including a statement from the borrower that there is no operating agreement or certificate of good standing for her XXX on page 4 of submitted documentation. | 01/04/2022 |  |  | 1<br> C<br> A |  | OH | Investment | Refinance - Cash-out - Other | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58712324 | 34975381 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Missing |  |  |  | Reviewer Comment (2022-01-06): Cleared<br>Buyer Comment (2022-01-05): Uploaded Credit rating for 34 months for mortgage at Fifth Third Bank as shown on the 1003 along with the October statement for same. No further cure is required.<br>Buyer Comment (2022-01-05): Uploaded Third Party Verification for Central Nails.<br>Reviewer Comment (2022-01-03): Credit supplement provided only reflects HELOC payment. missing evidence of property taxes and insurance.<br>Buyer Comment (2021-12-30): Uploaded payment history. | 01/06/2022 |  |  | 1<br> C<br> A |  | OH | Investment | Refinance - Cash-out - Other | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58712324 | 34975382 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-01-03): Cleared<br>Buyer Comment (2021-12-30): Uploaded approval. | 01/03/2022 |  |  | 1<br> C<br> A |  | OH | Investment | Refinance - Cash-out - Other | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53340969 | 34975383 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  |  |  |  |  | Reviewer Comment (2022-01-05): Cleared<br>Buyer Comment (2022-01-04): Per UW -- there are no leases - Market Rents allowed $4000 as income for rent as per worksheet which is correct. However, See 1008 & Approval uploaded with adjusted DSCR.. | 01/05/2022 |  |  | 1<br> C<br> A |  | NJ | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53340969 | 34975384 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Please provide 12 months Housing Pay history |  |  |  | Reviewer Comment (2022-01-05): Cleared<br>Buyer Comment (2022-01-04): Per UW -- there are no leases - Market Rents allowed $4000 as income for rent as per worksheet which is correct. However, See 1008 & Approval uploaded with adjusted DSCR.. | 01/05/2022 |  |  | 1<br> C<br> A |  | NJ | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55592595 | 34975387 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-01-05): Received Approval document. Exception Cleared<br>Buyer Comment (2022-01-04): CTC for review | 01/05/2022 |  |  | 1<br> C<br> A |  | WA | Investment | Refinance - Cash-out - Other | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55592595 | 34975390 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception to policy: Allow appraisal completed by a WA licensed level XXX. Lender exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | XXX | Reviewer Comment (2021-12-30): Lender granted exception approval in loan file. |  |  | 12/30/2021 | 2<br> B |  | WA | Investment | Refinance - Cash-out - Other | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55592595 | 34975391 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception to policy: Allow use of gross rental income of $1,600 documented by lease agreement for $2,000 and Appraisal with Market Rent of $1,600 without 3 months proof of receipt of rental income. Lender exception in loan file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | XXX | Reviewer Comment (2021-12-30): Lender granted exception approval in loan file. |  |  | 12/30/2021 | 2<br> B |  | WA | Investment | Refinance - Cash-out - Other | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55592595 | 34975392 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender granted exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | XXX | Reviewer Comment (2021-12-30): Lender granted exception approval in loan file. |  |  | 12/30/2021 | 2<br> B |  | WA | Investment | Refinance - Cash-out - Other | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55592595 | 34975393 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Lender granted exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | XXX | Reviewer Comment (2021-12-30): Lender granted exception approval in loan file. |  |  | 12/30/2021 | 2<br> B |  | WA | Investment | Refinance - Cash-out - Other | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53781784 | 34975395 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Exception to policy: Allow VOR, Borrower LOE, lease and cancelled checks for housing verification. Lender exception in file. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Comp factors used to waive exception. | XXX,Originator | Reviewer Comment (2021-12-30): Lender granted exception approval in loan file.<br>Reviewer Comment (2021-12-30): Override in error.<br>Reviewer Comment (2021-12-30): Verified. |  |  | 12/30/2021 | 2<br> B |  | NJ | Investment | Purchase | B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54549726 | 34975397 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | Missing |  |  |  | Reviewer Comment (2022-01-04): Per the XXX, Circular Letter 18 Dated 12/XX/1992, Under no circumstances should a title insurer licensed in this State issue closing protection letters in the future with respect to New York real property transactions. Exception is cleared.<br>Buyer Comment (2022-01-03): a CPL is not required for New York loans - please clear | 01/04/2022 |  |  | 1<br> C<br> A |  | NY | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54549726 | 34975398 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance. |  | Not dosclosed |  |  |  | Reviewer Comment (2022-01-04): Received documentation.<br>Buyer Comment (2022-01-03): see HOI dec page reflecting premiums | 01/04/2022 |  |  | 1<br> C<br> A |  | NY | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54549726 | 34975399 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Missing |  |  |  | Reviewer Comment (2022-01-04): Primary housing history on credit report. Exception cleared.<br>Buyer Comment (2022-01-03): Borrower primary with Bank of America reflects 0x30 with 99 payments reviewed first tradeline on credit report | 01/04/2022 |  |  | 1<br> C<br> A |  | NY | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57889468 | 34975401 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-01-05): Cleared<br>Buyer Comment (2022-01-05): Approval document uploaded. | 01/05/2022 |  |  | 1<br> C<br> A |  | CA | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57889468 | 34975405 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow no primary housing history due to Borrower living rent free vs program restriction that Borrowers without a housing history are not eligible but will be considered on an exception basis | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | LTV is 75%, 5% < program maximum of 80%<br> DSC is 109.073%, 9.073% < program maximum of 100%<br> No Public records | XXX,Originator<br>XXX | Reviewer Comment (2022-01-03): LTV is 75%, 5% < program maximum of 80%<br> DSC is 109.073%, 9.073% < program maximum of 100%<br> No Public records |  |  | 01/03/2022 | 2<br> B |  | CA | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51054194 | 34975406 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-01-10): Received Approval document, doc associated. Exception Cleared<br>Buyer Comment (2022-01-07): Approval uploaded for your review. | 01/10/2022 |  |  | 1<br> C<br> A |  | FL | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55119086 | 34975409 |  | Credit | Business Purpose | General | Business Purpose | Open Tradeline requirement not met. | - Borrower has ___ Open Tradelines which is less than the minimum required by guidelines. |  |  |  |  | Reviewer Comment (2022-01-05): Cleared<br>Buyer Comment (2022-01-05): See uploaded docs - XXX has 3 Trades on XXX; 2 are open and used within last 12 months. Additionally, per XXX's 5.4 MTG Pmts/History is also Tradeline. | 01/05/2022 |  |  | 1<br> C<br> A |  | CA | Investment | Refinance - Cash-out - Other | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55119086 | 34975411 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-01-05): Cleared<br>Buyer Comment (2022-01-05): See uploaded docs - 1008 & Approval | 01/05/2022 |  |  | 1<br> C<br> A |  | CA | Investment | Refinance - Cash-out - Other | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55119086 | 34975412 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2022-01-05): Cleared<br>Buyer Comment (2022-01-05): See uploaded docs - Cert of Good Standing | 01/05/2022 |  |  | 1<br> C<br> A |  | CA | Investment | Refinance - Cash-out - Other | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55119086 | 34975415 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Payment history for subject property missing from loan file. |  |  |  | Reviewer Comment (2022-01-05): Cleared<br>Buyer Comment (2022-01-05): See uploaded docs - PAY History | 01/05/2022 |  |  | 1<br> C<br> A |  | CA | Investment | Refinance - Cash-out - Other | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55119086 | 34975416 |  | Credit | Credit | Credit Eligibility | Credit | Borrower has | - ___ open Tradelines which is less than the minimum required by guidelines. | No open/active tradelines. |  |  |  | Reviewer Comment (2022-01-05): Cleared<br>Buyer Comment (2022-01-05): See uploaded docs - XXX has 3 Trades on XXX; 2 are open and used within last 12 months. Additionally, per XXX's 5.4 MTG Pmts/History is also Tradeline. | 01/05/2022 |  |  | 1<br> C<br> A |  | CA | Investment | Refinance - Cash-out - Other | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57084290 | 34975417 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing $2,500.00 Earnest Money Check, source verification and escrow's deposit receipt |  |  |  | Reviewer Comment (2022-01-12): Source of funds and deposit receipt provided in trailing documents. Exception cleared.<br>Buyer Comment (2022-01-11): Please see the uploaded EMD asset statements and cancelled checks for $10,000.00 and $40,000.00 ($50,000.00 total). The funds were used for the purchase of four properties on XXX, including the subject property, and represent $2500.00 EMD each for the aggregate of the $10,000.00 and an additional $10,000.00 EMD each for the aggregate of the $40,000.00. Also uploaded, please find the Settlement Statements for each of the 4 properties reflecting an EMD of $12,500.00 for the aggregate of the $50,000.00. In addition, please see the Escrow Deposit Receipts for the $10,000.00 and $40,000.00 EMD for each of the four properties, including the subject property. Thank you. | 01/12/2022 |  |  | 1<br> C<br> A |  | MA | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57084290 | 34975418 |  | Credit | Asset | Asset Documentation | Asset | Earnest Money Deposit is unsourced. Per guidelines EMD source is required. |  | Missing $10,000.00 Earnest Money Check, source verification and escrow's deposit receipt |  |  |  | Reviewer Comment (2022-01-12): Source of funds and deposit receipt provided in trailing documents. Exception cleared.<br>Buyer Comment (2022-01-11): Please see the uploaded EMD asset statements and cancelled checks for $10,000.00 and $40,000.00 ($50,000.00 total). The funds were used for the purchase of four properties on XXX, including the subject property, and represent $2500.00 EMD each for the aggregate of the $10,000.00 and an additional $10,000.00 EMD each for the aggregate of the $40,000.00. Also uploaded, please find the Settlement Statements for each of the 4 properties reflecting an EMD of $12,500.00 for the aggregate of the $50,000.00. In addition, please see the Escrow Deposit Receipts for the $10,000.00 and $40,000.00 EMD for each of the four properties, including the subject property. Thank you. | 01/12/2022 |  |  | 1<br> C<br> A |  | MA | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50342057 | 34975421 |  | Credit | Asset | Asset Documentation | Asset | Earnest Money Deposit is unsourced. Per guidelines EMD source is required. |  | Missing copy of settlement agent's proof of receipt of funds paid by Borrower directly to Sellers outside of closing (XXX). XXX documents $XXX withdrawn from XXX and $XXX withdrawn from XXX both dated 12/XX/2021 and paid directly to Sellers outside of closing. XXX and XXX ending balances are post check withdrawals |  |  |  | Reviewer Comment (2022-01-05): Cleared<br>Buyer Comment (2022-01-04): EMD Verif #2<br>Buyer Comment (2022-01-04): uploaded EMD Evid of Receipt/Verif | 01/05/2022 |  |  | 1<br> C<br> A |  | NY | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50342057 | 34975422 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2022-01-05): Cleared<br>Buyer Comment (2022-01-04): uploaded XXX Statements - As of 11/XX/2021 Ending Bal was $112,031.42<br> uploaded XXX Bank Sts - As p\of 10/XX/2021 Ending Bal was $93,347.57<br> Per the Exception Approval Revision in file - Verified Remaining Reserves = 7.30 months $32,448.53 | 01/05/2022 |  |  | 1<br> C<br> A |  | NY | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50342057 | 34975423 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Borrower has no verified housing expense. Borrowers without mortgage or rental housing history including borrowers living rent free are not eligible but will be considered on an exception basis. Lender's Exception Approval is in file; however, the compensating factors listed are not sufficient to regrade the exception. | The qualifying DSCR on the loan is greater than the guideline minimum. | comp factor used to waive exception | XXX,Originator | Reviewer Comment (2022-01-05): Comp factors used to waive exception<br>Reviewer Comment (2022-01-03): No valid comp factors.<br>Reviewer Comment (2022-01-03): Lender exception provided. |  |  | 01/05/2022 | 2<br> C<br> B |  | NY | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50342057 | 34975424 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing copy of settlement agent's proof of receipt of funds paid by Borrower directly to Sellers outside of closing (XXX). XXX #1483 documents $XXX withdrawn from XXX and $XXX withdrawn from XXX both dated 12/XX/2021 and paid directly to Sellers outside of closing. XXX and XXX ending balances are post check withdrawals |  |  |  | Reviewer Comment (2022-01-05): Cleared<br>Buyer Comment (2022-01-04): EMD Verif #2<br>Buyer Comment (2022-01-04): uploaded EMD Evid of Receipt/Verif | 01/05/2022 |  |  | 1<br> C<br> A |  | NY | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50342057 | 34975426 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Mising Document: Closing Protection Letter not provided. |  |  |  |  |  | Reviewer Comment (2022-01-05): Cleared<br>Buyer Comment (2022-01-04): uploaded CPL | 01/05/2022 |  |  | 1<br> C<br> A |  | NY | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50342057 | 34975427 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-01-05): Cleared<br>Buyer Comment (2022-01-04): uploaded 1008 & Approval | 01/05/2022 |  |  | 1<br> C<br> A |  | NY | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50342057 | 34975429 |  | Credit | Credit | Credit Eligibility | Credit | Active Tradeline requirement not met. | - Borrower has ___ Active Tradelines which is less than the minimum required by guidelines. | Borrower has three open revolving tradelines rated 2 months (DLA 7/2021). 55 months (DLA 7/2021) and 42 months (DLA 7/2020) with no closed accounts vs program requirement of three tradelines that have a twelve-month history, of which two of the tradelines must have been active within the last 12 months. Lender's Exception Approval is in file; however, the compensating factors listed are not sufficient to regrade the exception. | The qualifying DSCR on the loan is greater than the guideline minimum. | comp factor used to waive exception | XXX,Originator | Reviewer Comment (2022-01-05): Comp factors used to waive exception |  |  | 01/05/2022 | 2<br> C<br> B |  | NY | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56360594 | 34975430 |  | Credit | Asset | Asset Documentation | Asset | Earnest Money Deposit is unsourced. Per guidelines EMD source is required. |  | Missing $2,500.00 earnest money deposit source verification and escrow's deposit receipt |  |  |  | Reviewer Comment (2022-01-12): Received copies of bank statements and cancelled checks showing earnest money in the amount of $50,000 cleared and was split between four properties on the same street. Closing statements were provided to show the distribution of the funds. Exception is cleared.<br>Buyer Comment (2022-01-11): Please see the uploaded EMD asset statements and cancelled checks for $10,000.00 and $40,000.00 ($50,000.00 total). The funds were used for the purchase of four properties on XXX., including the subject property, and represent $2500.00 EMD each for the aggregate of the $10,000.00 and an additional $10,000.00 EMD each for the aggregate of the $40,000.00. Also uploaded, please find the Settlement Statements for each of the 4 properties reflecting an EMD of $12,500.00 for the aggregate of the $50,000.00. In addition, please see the Escrow Deposit Receipts for the $10,000.00 and $40,000.00 EMD for each of the four properties, including the subject property. Thank you. | 01/12/2022 |  |  | 1<br> C<br> A |  | MA | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56360594 | 34975431 |  | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided |  | Missing $2,500.00 Earnest Money Deposit |  |  |  | Reviewer Comment (2022-01-12): Received copies of bank statements and cancelled checks showing earnest money in the amount of $50,000 cleared and was split between four properties on the same street. Closing statements were provided to show the distribution of the funds. Exception is cleared.<br>Buyer Comment (2022-01-11): Please see the uploaded EMD asset statements and cancelled checks for $10,000.00 and $40,000.00 ($50,000.00 total). The funds were used for the purchase of four properties on XXX, including the subject property, and represent $2500.00 EMD each for the aggregate of the $10,000.00 and an additional $10,000.00 EMD each for the aggregate of the $40,000.00. Also uploaded, please find the Settlement Statements for each of the 4 properties reflecting an EMD of $12,500.00 for the aggregate of the $50,000.00. In addition, please see the Escrow Deposit Receipts for the $10,000.00 and $40,000.00 EMD for each of the four properties, including the subject property. Thank you. | 01/12/2022 |  |  | 1<br> C<br> A |  | MA | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51445789 | 34975434 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Missing Prepayment Rider and SFR Security Instrument Rider |  |  |  | Reviewer Comment (2022-01-06): Received Prepayment Rider and SFR Security Instrument Rider. Exception Cleared<br>Buyer Comment (2022-01-05): Uploaded PPP Rider and SFR Rider.<br>Buyer Comment (2022-01-05): PPP and SFR Riders | 01/06/2022 |  |  | 1<br> C<br> A |  | FL | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51796712 | 34975437 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-01-05): Cleared<br>Buyer Comment (2022-01-05): Uploaded final conditional approval | 01/05/2022 |  |  | 1<br> C<br> A |  | NJ | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51796712 | 34975438 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  |  |  | Reviewer Comment (2022-01-05): Cleared<br>Buyer Comment (2022-01-05): Uploaded XXX assignment of EIN letter | 01/05/2022 |  |  | 1<br> C<br> A |  | NJ | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51796712 | 34975440 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Lender Exception given for no housing payment history for borrower who lives rent-free with non-borrowing spouse. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | XXX<br>XXX<br>XXX | Reviewer Comment (2022-01-04): Lender granted exception approval in loan file. |  |  | 01/04/2022 | 2<br> B |  | NJ | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58495974 | 34975442 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-01-06): Received Approval document. Exception Cleared<br>Buyer Comment (2022-01-05): see approval | 01/06/2022 |  |  | 1<br> C<br> A |  | NJ | Investment | Refinance - Cash-out - Other | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58495974 | 34975443 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2022-01-06): As per Operating agreement Borrower is 100% owner of the business hence No Corporate resolution is required. Exception Cleared<br>Buyer Comment (2022-01-05): corporate resolutions are not mandatory for a business owner, see operating agreement | 01/06/2022 |  |  | 1<br> C<br> A |  | NJ | Investment | Refinance - Cash-out - Other | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50145645 | 34975450 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing $2,500.00 Earnest Money Check, source verification and escrow's deposit receipt |  |  |  | Reviewer Comment (2022-01-12): Received bank statements showing cancelled checks and earnest money cleared in the amount of $50,000 with all four properties closed on the same street. Exception is cleared.<br>Buyer Comment (2022-01-11): Please see the uploaded EMD asset statements and cancelled checks for $10,000.00 and $40,000.00 ($50,000.00 total). The funds were used for the purchase of four properties on XXX, including the subject property, and represent $2500.00 EMD each for the aggregate of the $10,000.00 and an additional $10,000.00 EMD each for the aggregate of the $40,000.00. Also uploaded, please find the Settlement Statements for each of the 4 properties reflecting an EMD of $12,500.00 for the aggregate of the $50,000.00. In addition, please see the Escrow Deposit Receipts for the $10,000.00 and $40,000.00 EMD for each of the four properties, including the subject property. Thank you. | 01/12/2022 |  |  | 1<br> C<br> A |  | MA | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50145645 | 34975451 |  | Credit | Asset | Asset Documentation | Asset | Earnest Money Deposit is unsourced. Per guidelines EMD source is required. |  | Missing $10,000.00 Earnest Money Check and source verification |  |  |  | Reviewer Comment (2022-01-12): Received bank statements showing cancelled checks and earnest money cleared in the amount of $50,000 with all four properties closed on the same street. Exception is cleared.<br>Buyer Comment (2022-01-11): Please see the uploaded EMD asset statements and cancelled checks for $10,000.00 and $40,000.00 ($50,000.00 total). The funds were used for the purchase of four properties on XXX, including the subject property, and represent $2500.00 EMD each for the aggregate of the $10,000.00 and an additional $10,000.00 EMD each for the aggregate of the $40,000.00. Also uploaded, please find the Settlement Statements for each of the 4 properties reflecting an EMD of $12,500.00 for the aggregate of the $50,000.00. In addition, please see the Escrow Deposit Receipts for the $10,000.00 and $40,000.00 EMD for each of the four properties, including the subject property. Thank you. | 01/12/2022 |  |  | 1<br> C<br> A |  | MA | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50145645 | 34975452 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | XXX 1 month statement < 2 months |  |  |  | Reviewer Comment (2022-01-06): Cleared<br>Buyer Comment (2022-01-05): Please be advised the XXX statement was not included in the asset calculation and was omitted from the 1003. | 01/06/2022 |  |  | 1<br> C<br> A |  | MA | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51870094 | 34975454 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | XXX owned primary secures XXX (per 1003). Rating is not documented in file. |  |  |  | Reviewer Comment (2022-02-07): Cleared<br>Buyer Comment (2022-02-03): We had difficulties getting a hold of XXX so the XXX gave us a Mortgage Credit Report Supplement to verify the Borrower's mortgage payments were made on the primary residence for November and December. Also, today XXX sent a printout of her XXX ending in XXX so I am submitting both for your review.<br>Reviewer Comment (2022-01-31): Received a billpay printout from a XXX acct ending in XXX indicating payment of $2,618.75 was paid to XXX on 11/XX/21. Exception was for Nov & Dec payment. Printout is only for Nov payment. Additionally, loan file do not contain any bank statements from account ending in XXX to verify this was paid from the borrower's account.<br>Buyer Comment (2022-01-28): The Borrower has provided me with the attached printout verifying the November 2021 mortgage payment on XXX was made.<br>Reviewer Comment (2022-01-25): Primary residence was refinanced from private note to institutional lender on 09/XX/2021, thus, first payment was due 11/XX/2021. Provide mortgage rating for first 2 payments prior to subject loan closing (11/21 and 12/21) to ensure current housing history.<br>Buyer Comment (2022-01-24): Please see the attached Promissory Note and letter from the private Note holder, XXX. No payments were required until payoff.<br>Reviewer Comment (2022-01-19): Please provide VOM for private note. Additionally, missing evidence of payment for November for new Note.<br>Buyer Comment (2022-01-19): Please be advised that the refinance of the XXX primary residence occurred 9-XX-21 and the private Note holder, XXX, was paid off at this time. Please see the attached CD confirming the $XXX Note was paid off. The closing for the subject property, XXX, XXX occurred 12-XX-2021 and the Note for $XXX was paid off at that time.<br>Reviewer Comment (2022-01-18): Received the credit report showing the mortgage history for the former primary. Also received the LOE explaining that there was no mortgage payments due on the mortgage obtained on XXX on 7/XX/2021 until the refinance schedule for September 2021. The First Payment Letter for the September 2021 refinance shows that the first payment was due 11/XX/2021 and the subject loan closed on 12/XX/2021. Please provide documentation that the 11/XX/2021 payment was made. Exception remains. 1/18/2022.<br>Buyer Comment (2022-01-17): I have provided the current and previous primary residence history for your review.<br>Reviewer Comment (2022-01-06): Housing history is not provided for primary residence. Please provide 12 months housing history for Borrowers primary residence.<br>Buyer Comment (2022-01-05): I have uploaded the Closing Disclosure, First Payment Letter and Note for XXX for your review. Loan closed 09-XX-21. | 02/07/2022 |  |  | 1<br> C<br> A |  | TN | Investment | Refinance - Rate/Term | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51870094 | 34975455 |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | - | Missing copy of Lease. Subject appraised tenant occupied. Per LOE, Property is rented through XXX |  |  |  | Reviewer Comment (2022-02-01): Received email from management company with spreadsheet verifying most recent 12 month short term rental history for subject property which exceeds the monthly rent from the XXX. DCSR within guidelines. Exception cleared.<br>Buyer Comment (2022-01-28): I have received the attached confirmation of 12 months rental receipts from the Borrower's Management Company, XXX, for your review.<br>Reviewer Comment (2022-01-19): Per 6.1.3 in guides, Lenders must verify rental income documented with short-term rental facilitator statements by including, in the Mortgage File, the past twelve months of statements from the rental facilitator(s)<br>Buyer Comment (2022-01-18): Please escalate for further review. Please refer to page 11 of the XXX Mortgage Findings that state only three months of rent receipts are required. Please refer also to page 68, section 6.1.3, Rental Income in the guides. Also, the XXX used the market rent from the appraisal report of $4,000 a month to qualify.<br>Buyer Comment (2022-01-18): Please escalate for further review. Please refer to page 11 of the XXX Mortgage Findings that state only three months of rent receipts. Please refer also to page 68, section 6.1.3, Rental Income in the guides.<br>Reviewer Comment (2022-01-18): Received the XXX agreement and 11 months worth of earnings; however, the guidelines require evidence of 12 months of earnings in order to determine if the 12 month average is lower than the amount showing on the appraisal. Exception remains. 1/18/2022.<br>Buyer Comment (2022-01-17): I have uploaded the XXX bank statements verifying receipt of rental monies for the XXX, the rental agreement with XXX for your review.<br>Reviewer Comment (2022-01-11): Missing evidence of XXX to Borrower or XXX to verify payments are from XXX rental.<br>Buyer Comment (2022-01-10): The rental property is rented through XXX and I have uploaded the XXX receipts highlighted paid by XXX Payroll.<br>Reviewer Comment (2022-01-10): Please provide statements from short-term rental facilitators as subject appears to be rented out though XXX.<br>Buyer Comment (2022-01-07): The subject is leased through a XXX and there is no formal lease. I am attaching bank statements from August through November 2021 with the amounts of rents received from XXX Payroll to verify rents received. | 02/01/2022 |  |  | 1<br> C<br> A |  | TN | Investment | Refinance - Rate/Term | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51870094 | 34975456 |  | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  |  |  |  |  | Reviewer Comment (2022-01-28): Documentation received. Exception cleared. 1/28/2022.<br>Buyer Comment (2022-01-27): I have received the confirmation from the Borrower's Management Rental Company for 12 months receipts of rental income for XXX, XXX and it is attached for your review.<br>Reviewer Comment (2022-01-19): Per 6.1.3 in guides, Lenders must verify rental income documented with short-term rental facilitator statements by including, in the Mortgage File, the past twelve months of statements from the rental facilitator(s)<br>Buyer Comment (2022-01-19): I apologize, the comments last made by me were to address the Borrower's primary residence history and the payoff of the private Note holder at this time. I have already submitted verification of rental receipts for the XXX, Management Agreement with XXX for review.<br>Buyer Comment (2022-01-19): Please be advised that the refinance of the XXX primary residence occurred 9-XX-21 and the private Note holder, XXX, was paid off at this time. Please see the attached CD confirming the $200,000.00 Note was paid off. The closing for the subject property, XXX, XXX occurred 12-XX-2021 and the Note for $240,000 was paid off at that time.<br>Reviewer Comment (2022-01-18): Received the XXX agreement and 11 months worth of earnings; however, the guidelines require evidence of 12 months of earnings in order to determine if the 12 month average is lower than the amount showing on the appraisal. Exception remains. 1/18/2022.<br>Buyer Comment (2022-01-17): I have uploaded the XXX bank statements verifying receipt of rental monies for the XXX, the rental agreement with XXX for your review.<br>Reviewer Comment (2022-01-11): Missing evidence of XXX to Borrower or XXX for verification payments are from XXX rentals.<br>Buyer Comment (2022-01-10): The rental property is rented through XXX and I have uploaded the XXX receipts highlighted paid by XXX Payroll.<br>Reviewer Comment (2022-01-10): Please provide statements from short-term rental facilitators as subject appears to be rented out though XXX.<br>Buyer Comment (2022-01-07): The subject is leased through a XXX and there is no formal lease. I am attaching bank statements from August through November 2021 with the amounts of rents received from XXX Payroll to verify rents received. | 01/28/2022 |  |  | 1<br> C<br> A |  | TN | Investment | Refinance - Rate/Term | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51870094 | 34975457 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___<br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  | Reviewer Comment (2022-01-25): Received Post Disaster Inspection dated 1/XX/22 evidencing no damage. Exception is cleared.<br>Buyer Comment (2022-01-24): I have uploaded the Disaster Inspection Report for your review. | 01/25/2022 |  |  | 1<br> A |  | TN | Investment | Refinance - Rate/Term | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52885954 | 34975458 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | XXX |  |  |  | Reviewer Comment (2022-01-06): Received Certificate of Good Standing. Exception Cleared<br>Buyer Comment (2022-01-05): Please see attached | 01/06/2022 |  |  | 1<br> C<br> A |  | NJ | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52885954 | 34975459 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | XXX |  |  |  | Reviewer Comment (2022-01-13): Cleared<br>Buyer Comment (2022-01-13): Please see attached XXX. Corporate Resolution Documentation should not be required this is a single member XXX | 01/13/2022 |  |  | 1<br> C<br> A |  | NJ | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52885954 | 34975461 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Per 1003, there is no housing expense associated with XXX, NY primary residence. Disposition of property is not documented in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | XXX<br>XXX<br>XXX<br>XXX | Reviewer Comment (2022-02-03): Received lender approved exception.<br>Buyer Comment (2022-02-03): Please see attached Exception<br>Reviewer Comment (2022-01-13): Per 1003 Borrower is living rent free in primary residence and is not eligible per guides but will be considered on an exception basis. Mortgage history reflected on credit report is not Borrowers primary residence per the Final 1003.<br>Buyer Comment (2022-01-13): As per the guidelines 5.6 Borrowers without mortgage or rental housing history including borrowers living rent free are not eligible but will be considered on an exception basis. The Borrower does have a mortgage history on the credit report that supports timely mortgage payment for the last 29 months. This is acceptable and demonstrates satisfactory housing payment history. The guidelines read "borrowers without mortgage or rental housing history" this borrower has that. It doesn't say he has to live in the home secured by the mortgage.<br>Reviewer Comment (2022-01-12): Property History Report cannot be considered a VOM. Please provide 12 months most recent pay history for primary residence as indicated on 1003.<br>Buyer Comment (2022-01-12): Please see attached VOM<br>Reviewer Comment (2022-01-10): Borrowers considered living rent free are not allowed per guides.<br>Buyer Comment (2022-01-10): Please see attached email. property is mothers address borrower has no financial obligation to the property |  |  | 02/03/2022 | 2<br> C<br> B |  | NJ | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53107824 | 34975462 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-01-06): Cleared<br>Buyer Comment (2022-01-06): Approval uploaded for your review | 01/06/2022 |  |  | 1<br> C<br> A |  | FL | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53107824 | 34975465 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Appraisal dated 12/XX/21 is subject to the completion of the lot split and assignment of a real estate parcel identification number by XXX. |  |  |  | Reviewer Comment (2022-02-17): cleared<br>Reviewer Comment (2022-02-07): 442 provided is from incorrect XXX. appraisal with effective date of 11/XX/2021 was performed "as-is". Please provide 442 for appraisal with effective date of 12/XX/2021 performed by XXX.<br>Buyer Comment (2022-02-07): Final inspection uploaded for your review.<br>Reviewer Comment (2022-01-25): Per 442, work has not been completed. Public records still indicate the site as one. There is no proof of a separate identification record. Exception remains pending 442 reflecting work completed.<br>Buyer Comment (2022-01-24): Final inspection uploaded for your review.<br>Reviewer Comment (2022-01-06): Latest appraisal in file reflects subject to. Survey provided is not provided by the county and does not reflect a parcel identification number.<br>Buyer Comment (2022-01-06): Country document showing lot split and revised appraisal as is uploaded for your review. | 02/17/2022 |  |  | 1<br> C<br> A |  | FL | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51436288 | 34975467 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Borrower has been renting at current residence for 5 months. One cancelled check was provided to verify rent history. |  |  |  | Reviewer Comment (2022-02-18): Documentation provided. Exception cleared.<br>Reviewer Comment (2022-02-18): Exception Cancelled in error.<br>Reviewer Comment (2021-12-27): Verification of the three missing rental payments was provided in the bank statements available at the time of review. Exception is cancelled.<br>Buyer Comment (2021-12-23): Uploaded evidence of August, September and October 2021 rent<br>Reviewer Comment (2021-11-30): Missing evidence of August, September and October 2021 rent<br>Buyer Comment (2021-11-24): Borrower lived at lived at XXX through July 15th with no rent due as part of sales on the property. Residing at XXX from July through present. Please uploaded LOE. | 02/18/2022 |  |  | 1<br> C<br> A |  | NC | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51436288 | 34975468 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. | - | Guidelines require a 60 day verification of Assets | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | LTV is 54.908% and Program maximum is 75% | XXX,Aggregator<br>XXX<br>XXX | Reviewer Comment (2022-02-18): Lender exception with comp factors<br>Buyer Comment (2022-02-17): Uploaded lender exception approval.<br>Reviewer Comment (2022-01-07): I do not disagree with you, but we do not have any documentation within the required time frame showing the balance. you are going to need a lender exception, unless you can get updated documentation. Feel free to reach out to discuss<br>Buyer Comment (2022-01-06): Please revisit this. The account is a Certificate of Deposit. Funds are not added to the account after it is opened. The balance of the CD on 7/XX was $XXX. Further we have provided the evidence from the bank XXX that the funds from that CD were wired to closing in the amount of $XXX thus the CD had at least that balance at the time of closing and those funds were used for the funds to close. They were more than 60 days seasoned as the CD was opened 7/XX/21 meaning that as of closing they were seasoned 130 days which meets the seasoning requirement. Please use the $XXX as the balance to be conservative since that is the amount wired from the CD to title for closing. Wire evidence, Email from the Bank showing the amount being wired from the CD and the origial CD opening are all uploaded. That should resolve this issue.<br>Reviewer Comment (2021-12-27): Documentation provided is not dated and does not provide evidence the balance is current or the opening balance therefore, the 60 day history cannot be determined. Exception remains.<br>Buyer Comment (2021-12-23): The XXX CD doesn't have a current date, but it is a 1-year CD opened in 7/21. |  |  | 02/18/2022 | 2<br> C<br> B |  | NC | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51436288 | 34975469 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 6x30 late payments on mortgage within the last year. No late payments within 12 months allowed.<br>Lender Exception: Approved lates on disputed mortgage pay history with XXX with Compensating Factors | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | LTV is 54.908% and Program maximum is 75% | XXX,Aggregator<br>XXX<br>XXX | Reviewer Comment (2021-11-22): Lender granted exception approval in file. |  |  | 11/22/2021 | 2<br> B |  | NC | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51436288 | 34975470 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Guidelines require a 60 day verification of Assets |  |  |  | Reviewer Comment (2022-01-07): Deleted at lender request. This issue is cleared.<br>Reviewer Comment (2022-01-07): Documentation exceeds maximum ageing limitations. This issue remains open.<br>Buyer Comment (2022-01-06): Please remove the XXX account as it is not needed. Please ensure you are including the empower retirement account #XXX with balance of XXX as of 9/30/21. That account is more than sufficient to meet the reserve requirements<br>Reviewer Comment (2021-12-27): Statements provided are July and October and are not consecutive. Need September statements for full consecutive 60 day history. Exception remains.<br>Buyer Comment (2021-12-23): XXX statement 10/31. | 01/07/2022 |  |  | 1<br> C<br> A |  | NC | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51436288 | 34975471 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Guidelines require a 60 day verification of Assets | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | LTV is 54.908% and Program maximum is 75% | XXX,Aggregator<br>XXX<br>XXX | Reviewer Comment (2022-02-18): Lender exception with comp factors.<br>Buyer Comment (2022-02-17): Uploaded lender exception approval.<br>Reviewer Comment (2022-01-07): Documentation exceeds maximum ageing limitations. This issue remains open. File requires more recent documentation.<br>Buyer Comment (2022-01-06): See URLA for correct accounts and balances.<br>Buyer Comment (2022-01-06): Please remove the XXX account as it is not needed. Please ensure you are including the XXX account #XXX with balance of XXX as of 9/30/21. That account is more than sufficient to meet the reserve requirements<br>Reviewer Comment (2021-12-27): Statements provided are from June and October and are not consecutive. Need September to document a full consecutive 60 day history. Exception remains.<br>Buyer Comment (2021-12-23): XXX 10/31 |  |  | 02/18/2022 | 2<br> C<br> B |  | NC | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55063286 | 34975472 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | XXX |  |  |  | Reviewer Comment (2022-01-20): Borrower is 100% owner of business hence corporate resolution is not required. Exception Cleared<br>Buyer Comment (2022-01-19): The company is A Member-Managed LLC as indicated by the Operating Agreement uploaded for your review. Therefore a corporate Resolution s not needed. | 01/20/2022 |  |  | 1<br> C<br> A |  | FL | Investment | Purchase | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55063286 | 34975475 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Missing Deeds / Warranty / Grant / Quit-Claim from XXX to XXX |  |  |  | Reviewer Comment (2022-01-25): Received Warranty Deed, doc associated. Exception Cleared<br>Buyer Comment (2022-01-24): Warranty deed uploaded for your review. | 01/25/2022 |  |  | 1<br> D<br> A |  | FL | Investment | Purchase | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55063286 | 34975476 |  | Credit | Asset | Asset Documentation | Asset | Earnest Money Deposit is unsourced. Per guidelines EMD source is required. |  | Missing $1,000.00 Earnest Money Deposit {per Purchase Contract) check, source verification and escrow's deposit receipt. |  |  |  | Reviewer Comment (2022-01-20): Cleared<br>Buyer Comment (2022-01-19): Purchase addendum stating no deposit uploaded for your review. | 01/20/2022 |  |  | 1<br> C<br> A |  | FL | Investment | Purchase | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55063286 | 34975477 |  | Credit | Missing Document | General | Missing Document | Missing Document: Official Check not provided |  | Missing $1,000.00 Earnest Money Deposit {per Purchase Contract) check, source verification and escrow's deposit receipt. |  |  |  | Reviewer Comment (2022-01-20): As per Sales addendum there is No Deposit, Also Final HUD-1 shows No EMD. Total sales price with closing cost was $XXX and New loan amount was $XXX remaining $XXX cash to close was brought by borrower. Exception Cleared<br>Buyer Comment (2022-01-19): Purchase addendum stating no deposit uploaded for your review. | 01/20/2022 |  |  | 1<br> C<br> A |  | FL | Investment | Purchase | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55063286 | 34975478 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing $1,000.00 Earnest Money Deposit {per Purchase Contract) check, source verification and escrow's deposit receipt. |  |  |  | Reviewer Comment (2022-01-20): As per Sales addendum there is No Deposit, Also Final HUD-1 shows No EMD. Total sales price with closing cost was $XXX and New loan amount was $XXX remaining $XXX cash to close was brought by borrower. Exception Cleared<br>Buyer Comment (2022-01-19): Purchase addendum stating no deposit uploaded for your review. | 01/20/2022 |  |  | 1<br> C<br> A |  | FL | Investment | Purchase | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53490117 | 34975481 |  | Credit | Credit | Credit Eligibility | Credit | Active Tradeline requirement not met. | - Borrower has ___ Active Tradelines which is less than the minimum required by guidelines. | One open active mortgage rated 99 month vs. two of the tradelines have been active within the last twelve months. Lender's Exception Approval is in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | 28.10 > 6 | XXX,Originator<br>XXX | Reviewer Comment (2022-01-10): LTV is 80%, 5% < program, maximum of 85%<br> Credit score is 768, 108 points > program requirement of 660<br> No public records |  |  | 01/10/2022 | 2<br> B |  | IL | Investment | Purchase | B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50139867 | 34975482 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | XXX owned primary residence secures XXX with a 11/XX/2021 first payment due date. First payment on account dated 9/XX/2010 is not rated. Prior XXX rated 0 x 30 x 10 months (DLA 12/2020) and XXX is rated 0 x 30 x 72 months (DLA 2/2020). Missing the payment history from 12/2020 to new loan opened in 11/2021. |  |  |  | Reviewer Comment (2022-01-07): Documentation received. Exception cleared. 1/7/2022.<br>Buyer Comment (2022-01-07): borrower primary owned free and clear<br>Buyer Comment (2022-01-06): BORROWER PROPERTY AT XXX IS OWNED FREE AND CLEAR, LOAN PAID OFF. | 01/07/2022 |  |  | 1<br> C<br> A |  | FL | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50139867 | 34975484 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  |  |  |  |  | Reviewer Comment (2022-01-07): Cleared<br>Buyer Comment (2022-01-06): per guides 10.2.1 program I10 : Calc the initial payment on the loan, if the loan has an IO feature, then the initial payment is the IO Payment. Initial payment is the qualifying monthly mortgage payment.<br>Buyer Comment (2022-01-06): IO loan is for 40 yr term, 10 year IO after the 10 year IO period the loan must amortize over the remaining 30 yrs.<br>Buyer Comment (2022-01-06): please review your PITIA calc - borrower first payment letter states total monthly payment is $2800.69 : P&I = 1851.64; Taxes = 784.96; Insurance = 164.09 | 01/07/2022 |  |  | 1<br> C<br> A |  | FL | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58936464 | 34975490 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow appraisal that was ordered through an XXX that was removed from the approved XXX list on 11/12/2021 vs program requirement that appraisals are ordered through approved XXX | The qualifying DSCR on the loan is greater than the guideline minimum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | The DSCR of 130.006% is greater than the minimum required DSCR of 100.00%<br> LTV is 75% , 5% < program maximum of 80%<br> No public records . | Originator<br>XXX | Reviewer Comment (2022-01-06): The DSCR of 130.006% is greater than the minimum required DSCR of 100.00%<br> LTV is 75% , 5% < program maximum of 80%<br> No public records . |  |  | 01/06/2022 | 2<br> B |  | NV | Investment | Purchase | B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58229913 | 34975493 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-01-12): Cleared<br>Buyer Comment (2022-01-12): see approval | 01/12/2022 |  |  | 1<br> C<br> A |  | FL | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58229913 | 34975494 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2022-01-12): Cleared<br>Buyer Comment (2022-01-12): borrower is single owner and provided single owner operating agreement, no resolution required. | 01/12/2022 |  |  | 1<br> C<br> A |  | FL | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54174224 | 34975496 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-01-12): Received Approval document , Exception cleared.<br>Buyer Comment (2022-01-11): uploaded Approval & 1008 | 01/12/2022 |  |  | 1<br> C<br> A |  | FL | Investment | Refinance - Rate/Term | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54174224 | 34975498 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  | Reviewer Comment (2022-01-12): Cleared<br>Buyer Comment (2022-01-11): uploaded Appraisal & Appraisal Dept Review/Approval | 01/12/2022 |  |  | 1<br> D<br> A |  | FL | Investment | Refinance - Rate/Term | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54174224 | 34975499 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing.; Sec ID: 1 |  |  |  |  |  | Reviewer Comment (2022-01-12): Cleared<br>Buyer Comment (2022-01-11): See uploaded Appraisal & Appraisal Dept Review/Approval on Trailing Docs @ 11.59 AM | 01/12/2022 |  |  | 1<br> D<br> A |  | FL | Investment | Refinance - Rate/Term | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54174224 | 34975500 |  | 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 (2022-01-12): Cleared<br>Buyer Comment (2022-01-11): Please Clarify why a FEMA Disaster Report is needed for a Disaster End Date in "2017" when this is now Jan, 2022 and Appraisal is dated - 11/XX/2022. | 01/12/2022 |  |  | 1<br> C<br> A |  | FL | Investment | Refinance - Rate/Term | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54174224 | 34975501 |  | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  | Leases not provided. Missing 1025 Appraisal Report. |  |  |  | Reviewer Comment (2022-01-12): Cleared<br>Buyer Comment (2022-01-11): See previously uploaded Appraisal Market Rents. In absence of Lease & Vacant Property Market Rents allowed and BWR Disclosure is a BP loan. | 01/12/2022 |  |  | 1<br> C<br> A |  | FL | Investment | Refinance - Rate/Term | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54174224 | 34975503 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Rent schedule is missing on lease property | - | Leases not provided. Missing 1025 Appraisal Report. |  |  |  | Reviewer Comment (2022-01-12): Cleared. Appraisal reflects property as vacant<br>Buyer Comment (2022-01-11): Property is vacant and Market Rents allowed. | 01/12/2022 |  |  | 1<br> C<br> A |  | FL | Investment | Refinance - Rate/Term | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54174224 | 34975504 |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | - | Leases not provided. Missing 1025 Appraisal Report. |  |  |  | Reviewer Comment (2022-01-12): Cleared appraisal reflects property as vacant<br>Buyer Comment (2022-01-11): Property is vacant and Market Rents allowed. | 01/12/2022 |  |  | 1<br> C<br> A |  | FL | Investment | Refinance - Rate/Term | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54174224 | 34975505 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Leases not provided. Missing 1025 Appraisal Report. |  |  |  | Reviewer Comment (2022-01-12): Cleared<br>Buyer Comment (2022-01-11): Appraisal uploaded @ 11:59 am in Trailing Docs & MArket Rents allowed when property is vancant. | 01/12/2022 |  |  | 1<br> C<br> A |  | FL | Investment | Refinance - Rate/Term | D<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55280461 | 34975508 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  | Reviewer Comment (2022-01-20): Cleared<br>Reviewer Comment (2022-01-20): Received 442-Certificate of completion , cleared<br>Buyer Comment (2022-01-19): Appraisal Update uploaded.<br>Reviewer Comment (2022-01-10): Received Appraisal however, effective date of the original appraisal report is more than 120 days. Need an appraisal update. Exception Remains.<br>Buyer Comment (2022-01-07): Appraisal and Form 1007 Comparable Rent Schedule uploaded. | 01/20/2022 |  |  | 1<br> D<br> A |  | MD | Investment | Refinance - Rate/Term | D<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55280461 | 34975509 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | XXX |  |  |  | Reviewer Comment (2022-01-10): Received Certificate of Good Standing. Exception Cleared<br>Buyer Comment (2022-01-07): Certificate of Good Standing uploaded. | 01/10/2022 |  |  | 1<br> C<br> A |  | MD | Investment | Refinance - Rate/Term | D<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55280461 | 34975510 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2022-01-10): Cleared<br>Buyer Comment (2022-01-07): Appraisal and Form 1007 Comparable Rent Schedule uploaded under Appraisal Not Provided Exception. | 01/10/2022 |  |  | 1<br> C<br> A |  | MD | Investment | Refinance - Rate/Term | D<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55280461 | 34975511 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  |  |  |  |  | Reviewer Comment (2022-01-10): Cleared. Subject property vacant<br>Buyer Comment (2022-01-07): Appraisal and Form 1007 Comparable Rent Schedule uploaded under Appraisal Not Provided Exception. Please note the appraisal reflects the subject property is vacant. No lease required. | 01/10/2022 |  |  | 1<br> C<br> A |  | MD | Investment | Refinance - Rate/Term | D<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55280461 | 34975514 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing.; Sec ID: 1 |  |  |  |  |  | Reviewer Comment (2022-01-10): Cleared<br>Reviewer Comment (2022-01-10): Received Appraisal however, effective date of the original appraisal report is more than 120 days. Need an appraisal update. Exception Remains.<br>Buyer Comment (2022-01-07): Appraisal and Form 1007 Comparable Rent Schedule uploaded under Appraisal Not Provided Exception. | 01/10/2022 |  |  | 1<br> D<br> A |  | MD | Investment | Refinance - Rate/Term | D<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55280461 | 34975515 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2022-01-10): Collateral Underwriter risk score is 1. Exception cleared<br>Buyer Comment (2022-01-07): Appraisal, FNMA SSR Sore of 1 and Form 1007 Comparable Rent Schedule uploaded under Appraisal Not Provided Exception. The XXX Sales Guide states the secondary valuation requirement has been satisfied if either the FNMA or FHLMC SSR score is equal to or less than 2.5, | 01/10/2022 |  |  | 1<br> D<br> A |  | MD | Investment | Refinance - Rate/Term | D<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55280461 | 34975516 |  | 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 (2022-01-19): Cleared<br>Buyer Comment (2022-01-19): Appraisal Update uploaded.<br>Reviewer Comment (2022-01-10): Requested Appraisal update as the one in file is Expired. Will Clear once document is received. Exception Remains.<br>Buyer Comment (2022-01-07): Appraisal, FNMA SSR Sore of 1 and Form 1007 Comparable Rent Schedule uploaded under Appraisal Not Provided Exception. Please note the Appraisal Effective Date of 08.XX.2021 is after the FEMA Declared Disaster occurrence. | 01/19/2022 |  |  | 1<br> C<br> A |  | MD | Investment | Refinance - Rate/Term | D<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55280461 | 34975517 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Rent schedule is missing on lease property | - | Missing 1004, 1007 Comparable Rents Schedule and Lease Agreement |  |  |  | Reviewer Comment (2022-01-10): Cleared. Comparable Rent provided.<br>Buyer Comment (2022-01-07): Appraisal, FNMA SSR Sore of 1 and Form 1007 Comparable Rent Schedule uploaded under Appraisal Not Provided Exception. Please note the appraisal reflects the subject property is vacant. No lease required. | 01/10/2022 |  |  | 1<br> C<br> A |  | MD | Investment | Refinance - Rate/Term | D<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55280461 | 34975518 |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | - | Missing 1004, 1007 Comparable Rents Schedule and Lease Agreement |  |  |  | Reviewer Comment (2022-01-10): Cleared. Appraisal reflects subject property is vacant.<br>Buyer Comment (2022-01-07): Appraisal, FNMA SSR Sore of 1 and Form 1007 Comparable Rent Schedule uploaded under Appraisal Not Provided Exception. Please note the appraisal reflects the subject property is vacant. No lease required. | 01/10/2022 |  |  | 1<br> C<br> A |  | MD | Investment | Refinance - Rate/Term | D<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55280461 | 34975519 |  | Credit | Guideline | Guideline Issue | Guideline | The number of financed properties exceeds guidelines. |  | 9 financed properties with XXX including the subject property (one additional loan in process, with seven previously closed), with an aggregate principal of $XXX vs. program requirements that no Borrower may be obligated for more than 6 loans that have been sold to XXX. If a person is obligated for 6 loans that have been sold to XXX, then additional loans for which such person is a Borrower are ineligible for sale to XXX. No Borrower may be obligated for loans sold to XXX with an aggregate principal amount that exceeds $5 million. If a person is already obligated for loans that have been sold to XXX with an aggregate principal amount of $5 million or more than additional loan on which such person is a Borrower are ineligible for sale to XXX. Lender's Exception Approval is in file. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 353.42 months > 18 months | XXX<br>XXX,Originator | Reviewer Comment (2022-01-05): Credit score is 751, 91 points > program requirement of 660<br> Reserves are 329.15 months, 311.15 months > program requirement of 18 months<br> DSC is 195.134%, 95.134% > program requirement of 100% |  |  | 01/05/2022 | 2<br> B |  | MD | Investment | Refinance - Rate/Term | D<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55280461 | 34975520 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Missing 1004, 1007 Comparable Rents Schedule and Lease Agreement |  |  |  | Reviewer Comment (2022-01-10): Received appraisal with comp rent schedule. Cleared.<br>Buyer Comment (2022-01-07): Appraisal, FNMA SSR Sore of 1 and Form 1007 Comparable Rent Schedule uploaded under Appraisal Not Provided Exception. Please note the appraisal reflects the subject property is vacant. No lease required. | 01/10/2022 |  |  | 1<br> C<br> A |  | MD | Investment | Refinance - Rate/Term | D<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55280461 | 34975521 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Missing 1004, 1007 Comparable Rents Schedule and Lease Agreement |  |  |  | Reviewer Comment (2022-01-19): Cleared<br>Buyer Comment (2022-01-19): Appraisal Update uploaded.<br>Reviewer Comment (2022-01-10): Requested updated Appraisal as the one in file is Expired. Once updated Appraisal is received LTV will be recalculated. Exception Remains.<br>Buyer Comment (2022-01-07): Appraisal, FNMA SSR Sore of 1 and Form 1007 Comparable Rent Schedule uploaded under Appraisal Not Provided Exception. | 01/19/2022 |  |  | 1<br> C<br> A |  | MD | Investment | Refinance - Rate/Term | D<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55280461 | 34975522 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | Missing 1004, 1007 Comparable Rents Schedule and Lease Agreement |  |  |  | Reviewer Comment (2022-01-19): Cleared<br>Buyer Comment (2022-01-19): Appraisal Update uploaded.<br>Reviewer Comment (2022-01-10): Requested updated Appraisal as the one in file is Expired. Once updated Appraisal is received CLTV will be recalculated. Exception Remains.<br>Buyer Comment (2022-01-07): Appraisal, FNMA SSR Sore of 1 and Form 1007 Comparable Rent Schedule uploaded under Appraisal Not Provided Exception. | 01/19/2022 |  |  | 1<br> C<br> A |  | MD | Investment | Refinance - Rate/Term | D<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55280461 | 34975523 |  | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  |  |  |  |  | Reviewer Comment (2022-01-10): Cleared. Appraisal reflects property is vacant<br>Buyer Comment (2022-01-07): Appraisal, FNMA SSR Sore of 1 and Form 1007 Comparable Rent Schedule uploaded under Appraisal Not Provided Exception. Please note the appraisal reflects the subject property is vacant. No lease required. | 01/10/2022 |  |  | 1<br> C<br> A |  | MD | Investment | Refinance - Rate/Term | D<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55280461 | 34975524 |  | Credit | Credit | Credit Documentation | Credit | The appraisal does not contain rental analysis and thus casts doubt on the business purpose of the loan. |  |  |  |  |  | Reviewer Comment (2022-01-10): Cleared Comparable rent schedule provided<br>Buyer Comment (2022-01-07): Appraisal, FNMA SSR Sore of 1 and Form 1007 Comparable Rent Schedule uploaded under Appraisal Not Provided Exception. | 01/10/2022 |  |  | 1<br> C<br> A |  | MD | Investment | Refinance - Rate/Term | D<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55280461 | 34975525 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit | - | Provide updated Appraisal, One in file is Expired prior to NOTE. |  |  |  | Reviewer Comment (2022-01-20): Lender provided a 442 Recertification of value. This issue is cleared.<br>Reviewer Comment (2022-01-20): Received 442-Certificate of completion , cleared<br>Buyer Comment (2022-01-19): Appraisal Update uploaded.<br>Reviewer Comment (2022-01-12): The effective date of the appraisal is 8/25/2021; therefore the appraisal expired prior to the note date. Exception remains. 1/12/2022.<br>Buyer Comment (2022-01-11): Please be advised the age of document requirement for an appraisal is 120 days. Note date is 12.XX.2021. 120 day expiration date is 01.17.2022. Thank you. | 01/20/2022 |  |  | 1<br> A |  | MD | Investment | Refinance - Rate/Term | D<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59194902 | 34975527 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Mising Document: Closing Protection Letter not provided. |  | Property is in New York. Missing an E&O Policy with a minimum coverage of $500,000 per claim and $1,000,000 in aggregate with a deductible of no more than $50,000. The title insurer must have an "A" or better rating from XXX rating service. |  |  |  | Reviewer Comment (2022-01-19): Received E&O insurance. Exception cleared.<br>Buyer Comment (2022-01-18): Dec page for review<br>Reviewer Comment (2022-01-12): E&O provided does not reflect Settlement agent as name insured and does not reflect XXX ISAOA as additional interest.<br>Buyer Comment (2022-01-12): E&O policy for review | 01/19/2022 |  |  | 1<br> C<br> A |  | NY | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51078287 | 34975532 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-01-14): Received approval and final 1008. Cleared.<br>Buyer Comment (2022-01-14): Uploaded 1008 and loan approval with DTI 155.111%<br>Reviewer Comment (2022-01-14): DTI on Approval document do not match 1008. Exception Remains.<br>Buyer Comment (2022-01-13): Uploaded final loan approval | 01/14/2022 |  |  | 1<br> C<br> A |  | NY | Investment | Refinance - Cash-out - Other | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51078287 | 34975533 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | Property is located in New York. Lender requires title company to provide evidence of E&O Policy with minimum coverage of $500,000 per claim and $1,000,000 in aggregate with a deductible of no more than $50,000. |  |  |  | Reviewer Comment (2022-01-14): Received CPL. Exception Cleared<br>Buyer Comment (2022-01-13): Uploaded closing protection letter | 01/14/2022 |  |  | 1<br> C<br> A |  | NY | Investment | Refinance - Cash-out - Other | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51078287 | 34975536 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject transaction is a cash out refinance. Neither report gave a score, which would require approval from XXX's appraisal review department. |  |  |  | Reviewer Comment (2022-01-14): Received appraisal approval. Cleared.<br>Buyer Comment (2022-01-14): Uploaded appraisal approval | 01/14/2022 |  |  | 1<br> C<br> A |  | NY | Investment | Refinance - Cash-out - Other | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53924584 | 34975537 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-02-09): Received approval document , Exception cleared.<br>Buyer Comment (2022-02-09): Loan Approval<br>Buyer Comment (2022-02-08): Approval | 02/09/2022 |  |  | 1<br> C<br> A |  | ID | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50315172 | 34975539 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Deposit not provided |  | Missing settlement agent's deposit receipf for $2,000.00 Earnest Money Deposit |  |  |  | Reviewer Comment (2022-02-09): Deposit receipt for EMD provided. Exception cleared<br>Buyer Comment (2022-02-08): EMD Escrow Receipt for $2000.00 uploaded. | 02/09/2022 |  |  | 1<br> C<br> A |  | TX | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50315172 | 34975541 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-02-09): Approval provided. Exception cleared.<br>Buyer Comment (2022-02-08): Approval uploaded. | 02/09/2022 |  |  | 1<br> C<br> A |  | TX | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50315172 | 34975542 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Hazard Insurance Policy Effective Date 01/XX/2022 is after 12/XX/2021 Disbursement Date. |  |  |  | Reviewer Comment (2022-02-09): Corrected HOI Dec Page provided. Exception cleared.<br>Buyer Comment (2022-02-08): Declaration Page with 12.30.2022 effective date uploaded. | 02/09/2022 |  |  | 1<br> C<br> A |  | TX | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53764559 | 34975543 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2022-01-18): Cleared.<br>Buyer Comment (2022-01-14): Uploaded the LLC Operating Agreement, Certificate of Formation and Certificate of Status. A LLC does not have a Corporate Resolution, only Corporations have that.<br>Buyer Comment (2022-01-14): Certificate of Status<br>Buyer Comment (2022-01-14): Certificate of Formation<br>Buyer Comment (2022-01-14): Operating Agreement LLC | 01/18/2022 |  |  | 1<br> C<br> A |  | NJ | Investment | Refinance - Cash-out - Other | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53764559 | 34975548 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Dwelling coverage is $168,000 and Note is for $168,750. |  |  |  | Reviewer Comment (2022-02-08): Cleared<br>Buyer Comment (2022-02-08): Uploaded Hazard Insurance please cleared<br>Buyer Comment (2022-02-08): hazard Insurance | 02/08/2022 |  |  | 1<br> C<br> A |  | NJ | Investment | Refinance - Cash-out - Other | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50466163 | 34975549 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2022-02-04): Received Certificate of Good Standing , Exception cleared.<br>Buyer Comment (2022-02-03): Uploaded. | 02/04/2022 |  |  | 1<br> C<br> A |  | CA | Investment | Refinance - Rate/Term | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50466163 | 34975550 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Missing leases for 4 unit subject property. |  |  |  | Reviewer Comment (2022-02-07): Leases provided in trailing documents. Exception cleared.<br>Buyer Comment (2022-02-04): Uploaded Lease<br>Buyer Comment (2022-02-04): Uploaded Lease.<br>Reviewer Comment (2022-02-04): Did not received any documentation on this , still Lease agreement is missing , Exception remains.<br>Buyer Comment (2022-02-03): Uploaded appraisal operating income statement. | 02/07/2022 |  |  | 1<br> C<br> A |  | CA | Investment | Refinance - Rate/Term | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57955917 | 34975554 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2022-01-13): Cleared. Document provided.<br>Buyer Comment (2022-01-12): see filing of articles of organization<br>Reviewer Comment (2022-01-11): Document provided is only establishment of EIN and not The Articles of Organization filed with the state.<br>Buyer Comment (2022-01-11): borrower EIN issued 2021. single owner, no articles of incorporation. | 01/13/2022 |  |  | 1<br> C<br> A |  | PA | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57955917 | 34975555 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2022-01-19): Cleared<br>Buyer Comment (2022-01-19): borrower cert of good standing<br>Reviewer Comment (2022-01-11): Please provide 3rd party verification, i.e. Business Entity Listing, CPA Letter, etc., indicating the business was open and in good standing at time of loan closing.<br>Buyer Comment (2022-01-11): borrower EIN issued 2021. single owner, no articles of incorporation, no certificate of good standing, XXX established recently | 01/19/2022 |  |  | 1<br> C<br> A |  | PA | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57955917 | 34975556 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2022-01-11): Cleared<br>Buyer Comment (2022-01-11): see borrower operating agreement - borrower is sole owner so no other members to work on resolution, operating agreement includes Single Member Management re:sole authority to act on behalf of the company. | 01/11/2022 |  |  | 1<br> C<br> A |  | PA | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57955917 | 34975558 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Rent receipts provided not acceptable. Requires Institutional VOR with cancelled checks. |  |  |  | Reviewer Comment (2022-01-19): Cleared<br>Buyer Comment (2022-01-19): please advise on this finding- it is not assigned to any entity. | 01/19/2022 |  |  | 1<br> C<br> A |  | PA | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57955917 | 34975560 |  | Credit | Asset | Asset Eligibility | Asset | Borrower has gift funds which are ineligible per guidelines. |  | Gift letters do not meet FNMA Guidelines. Bank statements show wire transfers for amount of gifts but documentation does not meet FNMA requirements to verify the funds came from the donor's accounts. |  |  |  | Reviewer Comment (2022-02-07): Cleared<br>Buyer Comment (2022-02-07): exception is showing assigned to seller - please clear as per your comment entered 2-3-2022<br>Reviewer Comment (2022-02-03): Corrected Gift Letter provided. Exception cleared<br>Buyer Comment (2022-02-03): SEE gift letter<br>Reviewer Comment (2022-02-02): Gift Letter in file for 50K does not reflect date funds were transferred, include the donor's statement that no repayment is expected or indicate the donor's address, telephone number, and relationship to the borrower.<br>Buyer Comment (2022-02-01): See updated letter for the $65k gift<br>Reviewer Comment (2022-01-19): Gift letters do not meet FNMA requirements. Gift Letters do not indicate date funds were transferred, that no prepayment is expected, donor's address, telephone number, and relationship to the borrower.<br>Buyer Comment (2022-01-19): please see gift letters which include account reference | 02/07/2022 |  |  | 1<br> C<br> A |  | PA | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56998967 | 34975561 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-01-11): Received Approval document, Doc associated. Exception Cleared<br>Buyer Comment (2022-01-10): Approval uploaded for your review. | 01/11/2022 |  |  | 1<br> C<br> A |  | AZ | Investment | Refinance - Cash-out - Other | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56998967 | 34975564 |  | Credit | Credit | Credit Eligibility | Credit | Credit Issue: Charged off accounts on credit report were not satisfied at closing per loan approval. |  | All non-medical collection accounts and charge-offs exceeding $,1000, which are not in dispute<br> (except collection accounts and charge offs no longer enforceable due to the applicable state<br> statute of limitations), must be paid in full prior to or at the time of a Loans' funding by the<br> originating lender. Charge off is $6002.00. |  |  |  | Reviewer Comment (2022-02-03): Closing Statement provide to reflect account Paid on 07/XX/2019. Exception cleared<br>Buyer Comment (2022-02-02): The XXX Charge of was paid in full via previous transaction. Evidence via certified closing statement is attached here. Please clear. | 02/03/2022 |  |  | 1<br> C<br> A |  | AZ | Investment | Refinance - Cash-out - Other | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56928070 | 34975565 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-01-10): Cleared<br>Buyer Comment (2022-01-07): uploaded 1008 & Approval | 01/10/2022 |  |  | 1<br> C<br> A |  | NJ | Investment | Refinance - Cash-out - Other | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56928070 | 34975566 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | XXX owned primary is owned free and clear per Property Report; Provide proof Taxes and Home owners insurance is paid current. |  |  |  | Reviewer Comment (2022-01-31): Cleared<br>Buyer Comment (2022-01-28): I verified that the address is for XXX. Attestation letter uploaded for your review.<br>Reviewer Comment (2022-01-27): 1003 reflects Borrower has multiple mortgaged properties. Unable to determine if renewal is for Borrowers primary residence. Address reflected is only mailing address and does not confirm address for property coverage.<br>Buyer Comment (2022-01-27): The letter is addressed to the borrower as his XXX address. It wouldn't say anything else about a different address. Please clear.<br>Reviewer Comment (2022-01-25): Document provided [D0134] does not specify the property address for which the coverage was renewed. Exception remains.<br>Buyer Comment (2022-01-24): Proof of HOI uploaded for your review.<br>Reviewer Comment (2022-01-10): Received evidence of paid taxes please provide evidence of current paid hazard insurance.<br>Buyer Comment (2022-01-07): uploaded XXX pay history | 01/31/2022 |  |  | 1<br> C<br> A |  | NJ | Investment | Refinance - Cash-out - Other | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56928070 | 34975568 |  | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  | Subject appraised vacant |  |  |  | Reviewer Comment (2022-01-10): Cleared. Appraisal reflects reflect property as vacant.<br>Buyer Comment (2022-01-07): Subject Loan is Bus Purpose; Affidavit of Occupancy as Investment in file. Additionally, Property Appraisal reflects vacant & rehab 1004D provided. Title also reflects DIL of FCL to BWR. | 01/10/2022 |  |  | 1<br> C<br> A |  | NJ | Investment | Refinance - Cash-out - Other | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56928070 | 34975569 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | File contains only One month XXX bank statement (Most recent 2 months is required) |  |  |  | Reviewer Comment (2022-01-26): Account removed. Exception cleared. 1/26/2022.<br>Buyer Comment (2022-01-24): The XXX account was not used. Executed 1003 uploaded for your review.<br>Reviewer Comment (2022-01-10): File is missing the statement with an end date of 10/XX/2021. This issue remains open.,<br>Buyer Comment (2022-01-10): uploaded Statements | 01/26/2022 |  |  | 1<br> C<br> A |  | NJ | Investment | Refinance - Cash-out - Other | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56928070 | 34975570 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject transaction is a cash out refinance. The UCDP reports are missing from the loan file. If the LCA/CU score is 3.0 or higher, approval from XXX's appraisal review department is required. |  |  |  | Reviewer Comment (2022-01-26): Documentation received. Exception cleared. 1/26/2022.<br>Buyer Comment (2022-01-24): Please look at the subject line: "DD Review Except: XXX/XXX" in the email chain.<br>Reviewer Comment (2022-01-14): Please provide appraisal review with identifying information. Review provided does not indicate for which loan appraisal approval belongs.<br>Buyer Comment (2022-01-14): Approval from appraisal review uploaded<br>Reviewer Comment (2022-01-10): Please provided UCDP appraisal reports evidencing a score of 3.0 or lower, or, an approved appraisal review from the appraisal department. This issue remains open. Note: Nothing was provided relating to this issue.<br>Buyer Comment (2022-01-10): uploaded Statements<br>Reviewer Comment (2022-01-10): The subject transaction is a cash out refinance. The UCDP reports are missing from the loan file. If the LCA/CU score is 3.0 or higher, approval from XXX's appraisal review department is required.<br>Buyer Comment (2022-01-07): uploaded 401K & Bank Sts. 401K @ 40% $81,600 thru 09/30 more than sufficient to cover reserves. Bank Sts still witin FNMA 120 days allowed. Additional sts not required. | 01/26/2022 |  |  | 1<br> C<br> A |  | NJ | Investment | Refinance - Cash-out - Other | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51038067 | 34975574 |  | Credit | Asset | Asset Documentation | Asset | Assets Error: Usability was not provided |  | Missing documentation to verify Borrower ownership rights to XXX accounts. |  |  |  | Reviewer Comment (2022-02-02): Removed usability for 2 files listed below, sufficient assets provided exception cleared<br>Buyer Comment (2022-02-01): Let's remove these accounts as the Borrower has Excessive reserves<br>Reviewer Comment (2022-01-14): File requires K-1's that identify ownership percentage or CPA letter for the same. This issue remains open,<br>Buyer Comment (2022-01-14): Operating Agreements have Managers listed on last 2 pages of XXX and XXX<br>Reviewer Comment (2022-01-14): LLC docs received. Missing documentation to verify Borrower ownership rights to Business Bank accounts for XXX and XXX.<br>Buyer Comment (2022-01-13): LLC docs | 02/02/2022 |  |  | 1<br> C<br> A |  | AZ | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54043522 | 34975575 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-02-10): Received approval document , Exception cleared.<br>Buyer Comment (2022-02-09): see approval | 02/10/2022 |  |  | 1<br> C<br> A |  | FL | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50008002 | 34975576 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-02-10): Received approval document , Exception cleared.<br>Buyer Comment (2022-02-09): Approval | 02/10/2022 |  |  | 1<br> C<br> A |  | FL | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50008002 | 34975577 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Borrower has no verified housing history. Per Letter of Explanation - Debt Clarification and Property History Report, Borrower lives at XXX rent free. Borrowers without mortgage or rental housing history including borrowers living rent free are not eligible but will be considered on an exception basis. Lender's Exception Approval is in file. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | 715 > 660 | XXX,Originator<br>XXX | Reviewer Comment (2022-02-08): Comp factors used to waive exception. |  |  | 02/07/2022 | 2<br> B |  | FL | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50008002 | 34975578 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Most recent statement 12/XX/2021 documents balance only. 10/XX/2021 to 12/XX/2021 account activity is not documented. Recent full statement 8/XX/2022 to 9/XX/2021 period for XXX. |  |  |  | Reviewer Comment (2022-02-14): Clarification provided. This issue is cleared.<br>Buyer Comment (2022-02-11): Statements are for 2 months, July through September & Activity log shows October through December. There is no August through September. Please clarify the finding if documentation provided is not sufficient. | 02/14/2022 |  |  | 1<br> C<br> A |  | FL | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50008002 | 34975580 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. | - | Please provide the activity statement covering from 09/XX/2021 - 12/XX/2021. Note: Quarterly statement in file and a snapshot on 12/XX/2021. Activity was not provided from 09/XX/2021 the gap period. |  |  |  | Reviewer Comment (2022-02-22): cleared<br>Reviewer Comment (2022-02-18): Documentation provided appears to be for account XXX only. Additionally, account ending in XXX statement provided it appears statements are bi monthly and not quarterly for this account.<br>Buyer Comment (2022-02-17): See page XX showing balances as of 12/XX/2021. This is an update provided because the 4th quarter statement was not issued yet. The document in whole satisfies this finding. Please clear.<br>Reviewer Comment (2022-02-16): The document provided is blurry, not legible and cannot be read. Therefore, the documentation is insufficient to meet the requirements. Documentation of account activity must include the account name and number, the borrower's name and the account activity for the required time frame that is clear and legible<br> in order to determine it meets the guidelines. Exception remains.<br>Buyer Comment (2022-02-15): Please identify specifically why this document is not sufficient. The document provided provides all the transactions on the account form 10/01/2021 through 12/15/2021. The 4th quarter statement would not have been issued as of the closing date. Loan conforms to guidelines through the closing date of 12/30.No further cure is required for this finding.<br>Reviewer Comment (2022-02-15): Given document does not seems to be clear and complete , please provide clear document with complete account details , Exception remains.<br>Buyer Comment (2022-02-14): The referenced snap shot shows activity from 10/01/2021 through 12/15/2021 covering the gap referenced. This should be sufficient documentation to clear the finding. The loan closed on 12/30 so 4th quarter statement would not have been issued yet. | 02/22/2022 |  |  | 1<br> A |  | FL | Investment | Purchase | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55588142 | 34975604 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | 0% fee tolerance exceeded by $[redacted] with a cure provided. |  |  |  | Reviewer Comment (2021-12-09): Sufficient Cure Provided At Closing |  | 12/09/2021 |  | 1<br> A |  | CA | Second Home | Purchase | Final CD evidences Cure<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 56459864 | 34975605 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | - | Lender on Appraisal differs from note, an appraisal transfer document is in file, yet missing the receiving lender's approval in the loan file. |  |  |  | Reviewer Comment (2021-12-23): Received required documentation. Cleared.<br>Buyer Comment (2021-12-22): Appraisal transfer letters and approvals uploaded for your review. | 12/23/2021 |  |  | 1<br> B<br> A |  | CA | Primary | Purchase | B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51350105 | 34975612 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  | Reviewer Comment (2022-01-10): Document provided<br>Buyer Comment (2022-01-10): see HOI | 01/10/2022 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51350105 | 34975614 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $755.00 exceeds tolerance of $495.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee amount of $755.00 exceeds tolerance of $495.00. Sufficient cure was provided to the borrower |  |  |  | Reviewer Comment (2022-01-05): Sufficient Cure Provided At Closing |  | 01/05/2022 |  | 1<br> A |  | NJ | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 51350105 | 34975615 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Minimum recent 12 month housing history not provided |  |  |  | Reviewer Comment (2022-01-27): Recent 46 month housing history provided<br>Buyer Comment (2022-01-27): see updated VORs<br>Reviewer Comment (2022-01-18): VORs provided do not reflect the name of the landlord. Additionally, the VOR for current primary reflects address for previous primary.<br>Buyer Comment (2022-01-14): -<br>Buyer Comment (2022-01-14): See VOR signatures- Both VORs provided have signature of creditor - If this is not what you are looking for please clarify<br>Reviewer Comment (2022-01-12): The Verification of Rent documents have not been executed by the Renting organization, as they have not been signed by Organization who rented the property and the section (1 Name of the Landlord/Creditor) has not been completed on either of the VOR documents provided<br>Buyer Comment (2022-01-12): see VOR , VOR 2 and LOe | 01/27/2022 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56083581 | 34975616 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing updated payoff statement verifying [redacted] #[redacted] mortgage loan secured by subject is current and that purchase transaction is not a bail out. Payoff statement in file used to support this is dated[redacted] (next due[redacted]) is over 4 months old on [redacted] loan transaction date. Borrowers are purchasing 6 year 3 month current residence [redacted] from Landlord / Seller. |  |  |  | Reviewer Comment (2021-12-30): Lender provided a current mortgage loan payoff statement. This issue is cleared.<br>Buyer Comment (2021-12-29): [redacted] Payoff for review<br>Reviewer Comment (2021-12-23): Documentation provided is not an updated pay-off statement as required, please provide the updated payoff statement used for the loan for verification.<br>Buyer Comment (2021-12-22): Seller CD showing Sellers receiving 1.3 million back | 12/30/2021 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56083581 | 34975617 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. |  | Borrower has been employed in the same industry for more than 5 years. | Borrower has been employed in the same industry for over 7 years. | XXX,Originator | Reviewer Comment (2022-01-20): Lender exception with comp factors<br>Buyer Comment (2022-01-19): Lender exception attached<br>Reviewer Comment (2022-01-10): Corrected the stock account to show 100% usability resulting in total verified reserves of $[redacted] ([redacted] months). Exception remains. [redacted].<br>Buyer Comment (2022-01-07): Please revisit your asset calculations. For the [redacted] account [redacted] this is a STOCK account and 100% of the balance should be used. please correct the balance to [redacted]. Per XXX guides when the account is used only for reserves which is the case 100% of the balance can be used. Excerpt below "When used for reserves, 100% of the value of the assets may be considered, and liquidation is not required." Once that is correct please also note that the actual funds brought to closing after application of the gift were only [redacted] per the final Settlement statement showing the refund of overpayment to the borrower. Based on this once the balance for the [redacted] Stock account is adjusted we should only be short [redacted] in reserves. Once this is confirmed lender exception will be provided to resolve the reserve issue but we need to ensure your figures match ours and are accurate.<br>Reviewer Comment (2021-12-22): Business assets are included, however, assets available for reserves are still insufficient. Exception remains.<br>Buyer Comment (2021-12-22): Why would you exclude the Business funds since the Borrower is 100% owner |  |  | 01/20/2022 | 2<br> C<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56083581 | 34975619 |  | Credit | Note | General | Note | Loans with an application date after 10/01/2020 using a LIBOR Index are not Agency Salable. | Index: ___; Note Date: ___ |  |  |  |  | Buyer Comment (2021-12-29): [redacted] has elected to waive this exception. |  |  | 12/29/2021 | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56083581 | 34975620 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]Sufficient or excess cure was provided to the borrower at Closing. | Final Closing Disclosure disclosed Lender's cure credit for tolerance |  |  |  | Reviewer Comment (2021-12-17): Sufficient Cure Provided At Closing |  | 12/17/2021 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 58209564 | 34975622 |  | Credit | 1003 | Missing Document | 1003 | Missing Lender's Initial 1003/Application. |  | Missing Broker's and Lender's Initial 1003 (signed and dated) |  |  |  | Reviewer Comment (2022-01-20): Cleared<br>Buyer Comment (2022-01-20): Uploaded signed 1003.<br>Reviewer Comment (2022-01-11): No new 1003 documents have been provided for review, exception remains. | 01/20/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58209564 | 34975623 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing recent 12 months cancelled rent checks (front and back) payable to XXX verifying A10 - XXX program maximum 1 x 30 x 12 with 0 x 30 in the last 6 months from Note date. Per bank statements in file do not indicate rent paid via electronic bill payment. Loan file contains VOR completed by private party. |  |  |  | Reviewer Comment (2022-01-11): Received required documentation. Cleared.<br>Buyer Comment (2022-01-10): Uploaded 12 months canceled checks. | 01/11/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58209564 | 34975624 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | XXX Letter dated 12/XX/2021 is not signed by XXX (XXX) used to support Co-borrower's 2 years self-employment and ownership percentage of XXX supporting use of XXX XXX business statements to determine income and support use of XXX business assets for closing and reserves. |  |  |  | Reviewer Comment (2022-01-20): Cleared<br>Buyer Comment (2022-01-20): Uploaded signed letter. | 01/20/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58209564 | 34975627 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-01-10): Received Approval document, doc associated. Exception Cleared<br>Buyer Comment (2022-01-07): Uploaded approval. | 01/10/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58209564 | 34975628 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Earliest disclosure dated 12/XX/2021 > 11/XX/2021 (11/XX/2021 application date plus 3) |  |  |  | Reviewer Comment (2022-01-11): XXX received initial LE.<br>Buyer Comment (2022-01-10): Uploaded Appraisal Disclosure. | 01/11/2022 |  |  | 1<br> B<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58209564 | 34975629 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 5.36500% or Final Disclosure APR of XX.XX% is in excess of allowable threshold of APOR XX.XX% + XX.XX%, or XX.XX%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2022-01-11): Cleared<br>Buyer Comment (2022-01-10): For a rebuttable presumption general QM, the difference between APR and APOR for first-lien mortgages may exceed 1.5 percentage points, but it is limited to 2.25 percentage points under the revised final rule. No further cure required. | 01/11/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58209564 | 34975630 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Lender on Appraisal differs from Note. Appraisal Transfer Letter is in file |  |  |  | Buyer Comment (2022-01-10): XXX has elected to waive this finding. |  |  | 01/10/2022 | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58209564 | 34975631 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Earliest disclosure dated 12/XX/2021 > 11/XX/2021 (11/XX/2021 application date plus 3) |  |  |  | Reviewer Comment (2022-01-11): XXX received initial LE.<br>Buyer Comment (2022-01-10): Uploaded appraisal disclosure. | 01/11/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58209564 | 34975632 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Missing List of Homeowner Counseling Organizations disclosure provided to Borrower |  |  |  | Reviewer Comment (2022-01-11): Received required documentation. Cleared.<br>Buyer Comment (2022-01-10): Uploaded Homeownership Counseling Disclosure. | 01/11/2022 |  |  | 1<br> B<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58209564 | 34975634 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Earliest disclosure dated 12/XX/2021 > 11/XX/2021 (11/XX/2021 application date plus 3) |  |  |  | Reviewer Comment (2022-01-11): XXX received initial LE.<br>Buyer Comment (2022-01-10): Uploaded Disclosure Tracking for LE. | 01/11/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58209564 | 34975635 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Missing Settlement Service Providers List provided to Borrower |  |  |  | Reviewer Comment (2022-01-11): Received | 01/11/2022 |  |  | 1<br> A |  | CA | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58209564 | 34975636 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $4,477.00 exceeds tolerance of $4,061.00 plus 10% or $4,467.10. Insufficient or no cure was provided to the borrower. | Missing Settlement Service Providers List provided to Borrower |  |  |  | Reviewer Comment (2022-01-11): XXX has received SSPL indicating title fees under unlimited tolerance.<br>Buyer Comment (2022-01-10): Uploaded list of services notification. | 01/11/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 58209564 | 34975637 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $725.00. Insufficient or no cure was provided to the borrower. | Final Closing Disclosure discloses Lender's $125.00 cure credit for Appraisal Fee tolerance |  |  |  | Reviewer Comment (2022-01-11): XXX : Sufficient Cure Provided at Closing<br>Buyer Comment (2022-01-10): The final CD cures this finding. Please clear.<br>Reviewer Comment (2022-01-10): XXX: Cure provided at closing is insufficient to cure for all the (additional exception is ten % tolerance $9.90) exception. Exception remains.<br>Buyer Comment (2022-01-07): Uploaded Executed CD showing $125 Lender Credit for the appraisal. | 01/11/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 58209564 | 34975639 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $725.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-01-11): Sufficient Cure Provided At Closing |  | 01/11/2022 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 58251991 | 34975643 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The 2020 4506-C was not found in the file. |  |  |  | Reviewer Comment (2022-01-10): Not required<br>Buyer Comment (2022-01-07): Please clarify. This is a SP A10, bank statement program, and a 4506 is only required when 1099 Tax Form Method is used to determine the qualifying income. | 01/10/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58251991 | 34975645 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 12/XX/2021). | The Calculated Final Finance Charge is $XXX versus $XXX reflected on page 5 of the Final Closing Disclosure. |  |  |  | Reviewer Comment (2022-01-27): XXX received PCCD, LOE, copy of refund check, and proof of delivery; exception is cured.<br>Buyer Comment (2022-01-26): Please see attached PCCD<br>Reviewer Comment (2022-01-20): XXX reviewed exception. The disbursement fees are included in our calculation. The remaining fees included are admin fee $1195, flood cert $15, loan discount points $5697.75, prepaid interest $3886.56, transaction coordination $1250, title messenger $125, title electronic document $75, title loan tie in fee $800, title processing fee $100, title recording service fee $7, title settlement $5710, title subescrow $62.50, and title wire $50. Please provide a corrected CD, LOE, refund check, and proof of delivery to cure.<br>Buyer Comment (2022-01-19): XXX's Compliance has provided the following explanation: The difference is due to the disbursement fee of $1878.00. I believe these should have been included in finance charges |  | 01/27/2022 |  | 2<br> C<br> B |  | CA | 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)<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 58251991 | 34975647 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,697.75 exceeds tolerance of $5,600.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,697.75 exceeds tolerance of $5,600.00. Insufficient or no cure was provided to the borrower. (7200) |  |  |  | Reviewer Comment (2022-01-18): XXX received COC dated 12/10/2021.<br>Buyer Comment (2022-01-18): The Disclosure Tracking Summary with the COC verifying the loan amount changed and therefore the change in discount points. | 01/18/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 58251991 | 34975648 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,750.00 exceeds tolerance of $1,500.00. Insufficient or no cure was provided to the borrower. | The cure on the Final CD was not sufficient to cure all tolerance issues. |  |  |  | Reviewer Comment (2022-01-20): XXX received sufficient cure at closing for the Appraisal fee increased.<br>Buyer Comment (2022-01-19): I am also uploading the Disclosure Tracking Summary and COC(s) for your review.<br>Buyer Comment (2022-01-19): Please see the final CD. The final CD as a $1100 credit to cure both appraisals.<br>Reviewer Comment (2022-01-18): XXX upon further review, cure provided at closing is insufficient to cure all the citing. We will clear the exception once we received resolution on all the citing's.<br>Buyer Comment (2022-01-18): Please see the attached final CD. It has a $1100 credit to cure both appraisals.<br>Reviewer Comment (2021-12-29): There is a tolerance cure of $1,100 reflected on page 2 of the Final Closing Disclosure. | 01/20/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 58251991 | 34975649 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The cure on the Final CD was not sufficient to cure all tolerance issues. |  |  |  | Reviewer Comment (2022-01-20): XXX received sufficient cure at closing for the Second Appraisal fee added.<br>Buyer Comment (2022-01-19): I am also uploading the Disclosure Tracking Summary and COC(s) for your review.<br>Buyer Comment (2022-01-19): Please see the final CD. The final CD as a $1100 credit to cure both appraisals. A cure was issued to cure the closing costs above legal limit.<br>Reviewer Comment (2022-01-18): XXX upon further review, cure provided at closing is insufficient to cure all the citing. We will clear the exception once we received resolution on all the citing's.<br>Buyer Comment (2022-01-18): Please see the attached final CD. A cure was issued to cure the closing costs above the legal limit.<br>Reviewer Comment (2021-12-29): There is a tolerance cure of $1,100 reflected on page 2 of the Final Closing Disclosure. | 01/20/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 58251991 | 34975650 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $1,050.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The cure on the Final CD was not sufficient to cure all tolerance issues. |  |  |  | Reviewer Comment (2022-01-20): XXX received corrected PCCD with LOE for the Home Inspection fee moved to section H from C. Also, fee is not bound by a tolerance.<br>Buyer Comment (2022-01-19): I have attached the PCCD to confirm that the Home Inspection Fee and the Pest Inspection Fee have been moved to Section H on the CD and provided to the borrower with a copy of the refund check. | 01/20/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 58251991 | 34975651 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $350.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $350.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7713) |  |  |  | Reviewer Comment (2022-01-20): XXX received corrected PCCD with LOE for the Pest Inspection fee moved to section H from C. Also, fee is not bound by a tolerance.<br>Buyer Comment (2022-01-19): I have attached the PCCD to confirm that the Home Inspection Fee and the Pest Inspection Fee have been moved to Section H on the CD and provided to the borrower with a copy of the refund check. | 01/20/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 58251991 | 34975652 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $1,250.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $1,250.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2022-01-20): XXX received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check.<br>Buyer Comment (2022-01-19): I have attached the PCCD to confirm that the Processing fee of $1,250 and the Wire/Funding Disbursement fee of $1,878.00 have been cured and the Borrower was sent a refund check for $3,128.00. |  | 01/20/2022 |  | 2<br> C<br> B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 58251991 | 34975653 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Wire / Funding / Disbursement Fee. Fee Amount of $1,878.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Wire / Funding / Disbursement Fee. Fee Amount of $1,878.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2022-01-20): XXX received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check.<br>Buyer Comment (2022-01-19): I have attached the PCCD to confirm that the Processing fee of $1,250 and the Wire/Funding Disbursement fee of $1,878.00 have been cured and the Borrower was sent a refund check for $3,128.00. |  | 01/20/2022 |  | 2<br> C<br> B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 58251991 | 34975654 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Loan amount is $XXX at 85% LTV with a 716 credit score vs program requirement of 720 credit score for loan amounts to $XXX to 85% LTV. Lender approved exception provided. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Lender granted exception approval in the loan file. | XXX<br>XXX<br>XXX<br>Originator<br>XXX | Reviewer Comment (2021-12-29): Comp factors used to waive exception.<br>Reviewer Comment (2021-12-29): There is an Approved Exception for the Credit Score of 716. |  |  | 12/29/2021 | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58251991 | 34975656 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Approval was not provided. |  |  |  | Reviewer Comment (2022-01-05): Cleared<br>Buyer Comment (2022-01-05): I have uploaded the Conditional Loan Approval and the XXX Mortgage Findings for your review. | 01/05/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52680196 | 34975657 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception to policy: Allow no housing history due to borrower living rent-free with her partner vs. program restriction that borrowers without mortgage or rental housing history, including borrowers living rent-free, are not eligible but will be considered on an exception basis. Lender granted exception in file. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Comp factor used to waived exception. | XXX,Originator<br>XXX<br>XXX<br>XXX<br>XXX<br>XXX | Reviewer Comment (2022-01-19): Compensating Factors used to waive Exception. |  |  | 01/19/2022 | 2<br> B |  | CA | Investment | Purchase | B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52680196 | 34975658 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception to policy: Borrower has 2 active tradelines with 1 revolving rated 57 months and 1 auto lease rated 37 months (closed 10/21); 4 active authorized user revolving tradelines rated 99, 42, 24, and 30 months, and 1 closed revolving rated 4 months vs. program requirement for a minimum of three tradelines that have a 12 month history and two of the tradelines must have been active within the last twelve months. Lender granted exception in file. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Comp factor used to waived exception. | XXX,Originator<br>XXX<br>XXX<br>XXX<br>XXX<br>XXX | Reviewer Comment (2022-01-19): Compensating Factors used to waive Exception. |  |  | 01/19/2022 | 2<br> B |  | CA | Investment | Purchase | B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52680196 | 34975659 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing Non Material | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. Investment occupancy with business purpose cert in file. Business purpose loans exempt from RESPA HUD-1 requirement. EV2 informational finding to indicate which document was used to source fees for any applicable testing. | Missing HUD-1 document in the loan file. |  |  |  | Reviewer Comment (2022-01-21): waived.<br>Reviewer Comment (2022-01-21): This is an EV2 information finding that will remain on the loan.<br>Buyer Comment (2022-01-20): Uploaded Final Settlement Statement.<br>Buyer Comment (2022-01-20): Final Settlement Statement |  |  | 01/21/2022 | 2<br> B |  | CA | Investment | Purchase | B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52680196 | 34975660 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property submitted as Non-QM / Exempt from ATR | Ability to Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to Ability to Repay requirements. | Tested as Non-QM per client direction. |  |  |  | Buyer Comment (2022-01-20): XXX has elected to waive this EV 2 Compliance exception. |  |  | 01/20/2022 | 2<br> B |  | CA | Investment | Purchase | B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50573167 | 34975673 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Approved Lender exception for DTI being above 50.000% maximum. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender granted exception approval in the loan file. | XXX<br>XXX<br>XXX<br>XXX<br>XXX,Originator | Reviewer Comment (2022-01-12): Comp factors used to waive exception.<br>Reviewer Comment (2022-01-11): A Credit Exception for the DTI was found in the file. |  |  | 01/11/2022 | 2<br> B |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50573167 | 34975674 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 51.32933% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | A credit exception for the DTI was found in the file. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Lender granted exception approval in the loan file. | XXX,Originator<br>XXX<br>XXX<br>XXX<br>XXX<br>XXX | Reviewer Comment (2022-01-12): regraded<br>Reviewer Comment (2022-01-11): A credit exception for the DTI was found in the file. |  |  | 01/11/2022 | 2<br> B |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50573167 | 34975675 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | The VVOE is dated 1/XX/2022 which is after the Closing Date of 12/XX/2021. |  |  |  | Reviewer Comment (2022-01-20): Cleared<br>Buyer Comment (2022-01-20): additional information per guides, all changes on the guides are retroactive.<br>Buyer Comment (2022-01-20): additional information per guides.<br>Reviewer Comment (2022-01-13): VVOE need to be no more than 10 days prior to Note.<br>Buyer Comment (2022-01-12): voe completed 1-4-22, loan closed 12-30-2021, is within 10 days of Note Date / Closing | 01/20/2022 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50573167 | 34975676 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 12/XX/2021). | Calculated Finance Charge is $XXX versus $XXX reflected on page 5 of the Final Closing Disclosure. |  |  |  | Reviewer Comment (2022-01-14): A cure was provided at close.<br>Buyer Comment (2022-01-13): note that a cure was issued at closing, the cure is sufficient to resovle.<br>Reviewer Comment (2022-01-12): Discussions with outside counsel and an abundance of caution indicate the HOA Condo Questionnaire and handling fee must be tested as finance charges. Cure is required,<br>Buyer Comment (2022-01-12): finance charge - the HOA Fee of $27.95 is not an APR fee; the HOA Condo questionnaire fee of $225.00 is not an APR Fee. Please remove and recalc<br>Buyer Comment (2022-01-12): employment verification is dated withiin 10 days of closing / note date, and completed 1-4-2022.<br> Loan closed 12-30-2021, borrower signed closing docs 12-30-2022, | 01/14/2022 |  |  | 1<br> C<br> A |  | FL | 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)<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50573167 | 34975678 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Cert handling fee. Fee Amount of $27.95 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2022-01-12): Sufficient Cure Provided At Closing |  | 01/12/2022 |  | 1<br> A |  | FL | Primary | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50573167 | 34975679 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $27.95 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-01-25): Sufficient Cure Provided At Closing |  | 01/25/2022 |  | 1<br> A |  | FL | Primary | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50330327 | 34975682 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - |  |  |  |  | Reviewer Comment (2021-11-17): Cleared<br>Buyer Comment (2021-11-15): Further we have provided all of the required evidence that the business was incorporated in 2008 and the 2 year requirement is met. The CPA letter further supports the fact that the business was opened by the borrower's in 2008 and remains open and active. The Articles of inc are uploaded here an are in the file as well as further evidence of business filings showing the ownership. Nothing further is required to resolve this exception. Thank you,<br>Buyer Comment (2021-11-15): Additionally business returns are not required on the J10 program, P&L is also not required on the J10 program nor is the K1. 2020 personal returns are all that is required and they are in the file along with the 2020 transcripts for the 1040s which is the complete requirement for validation of the income.<br>Buyer Comment (2021-11-15): Business tax transcripts are NOT required for the J10 program. Only the personal 1040 transcripts are required and those have bee provided and are uploaded here again for reference. Further the verification of the existence of the business is in file and this is a NON QM program and the CPA letter post closing is absolutely acceptable. Please revisit and clear this exception.<br>Buyer Comment (2021-11-12): J10 allows post closing docs.<br>Reviewer Comment (2021-11-12): ATR requires that this letter be from prior to consummation<br>Buyer Comment (2021-11-12): CPA Letter for review<br>Reviewer Comment (2021-11-03): Exception Explanation Updated from: 1120S (2020), Balance Sheet, Business Return Transcripts (2020), CPA Letter, K-1 (2020), P&L Statement<br>Reviewer Comment (2021-10-26): Updated, still missing the CPA letter/Third Party Verification to verify business start date, the Business Entity listing indicates that the Formation date is only 12/XX/2020 which does not match the 1003 date of 10/06/1990 and is not sufficient for the Business Income verification.<br>Buyer Comment (2021-10-21): P&L and Bus Tax Returns | 11/17/2021 |  |  | 1<br> C<br> A |  | NV | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50330327 | 34975683 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 4,719.99 on Final Closing Disclosure provided on 10/XX/2021 not accurate. |  |  |  |  | Reviewer Comment (2021-12-03): XXX received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2021-12-03): LOX for review<br>Reviewer Comment (2021-12-02): No LOE addressing the non-escrowed property costs exception was located in the loan file. Please provide LOE sent to borrower with the 11/16 CD for testing.<br>Reviewer Comment (2021-12-02): Please provide LOE to cure.<br>Buyer Comment (2021-12-02): Corrected Appraisal for review<br>Reviewer Comment (2021-11-17): XXX received Corrected CD and LOE to borrower. However, the Non-Escrowed property costs do not match to file documentation. The Corrected CD was updated to show $245/mo HOA non-escrowed cost, however, the appraisal reflects the HOA as $245 "annually" or $20.42/mo. Corrected CD and LOE to borrower required, or proof the HOA is monthly.<br>Buyer Comment (2021-11-17): PCCD for review 11 months is acceptable |  | 12/03/2021 |  | 2<br> C<br> B |  | NV | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50330327 | 34975685 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2021 incorrectly disclosed whether property taxes are included in escrow. | Final CD shows property taxes & homeowner's insurance are included in escrow. However, initial escrow payment at closing only have $256.38 listed for insurance and nothing for property taxes. |  |  |  | Reviewer Comment (2021-11-12): Property located in state of NV and allowed for no cushion on escrow is paid current at close. Tax and Ins escrowed and confirmed on IEAD.<br>Buyer Comment (2021-11-12): This a NV loan and 2 months cushion is not required per NV statute | 11/12/2021 |  |  | 1<br> C<br> A |  | NV | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50330327 | 34975686 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,650.00 exceeds tolerance of $1,400.00. Insufficient or no cure was provided to the borrower. | Total cure required is $250. Lender provided $36.00 tolerance cure, resulting in a variance of $214.00. No evidence of a valid change of circumstance was present. |  |  |  | Reviewer Comment (2021-11-12): XXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected PCCD.<br>Buyer Comment (2021-11-12): Label for review<br>Buyer Comment (2021-11-12): LOX for review<br>Buyer Comment (2021-11-12): Check for review<br>Buyer Comment (2021-11-12): PCCD for review<br>Reviewer Comment (2021-10-29): XXX appraisal fee was increased on 9/21 from $1,400 to $1650<br> Please provided valid COC for 9/21 which can explain why the appraisal fee was increased or required cure along with PCCD, LOE, Proof of mailing and copy of refund check.<br>Buyer Comment (2021-10-28): According to the PHL NV job aid, PHL is not allowed to collect escrows in the state of NV. The initial property tax amount was collected for the upcoming tax payment in the Prepaids section. The HOI (Homeowners Insurance) payment was collected in the Prepaids section. A 1 month cushion was added to the final cd, to avoid a lapse in Homeowner Insurance for the borrower. |  | 11/12/2021 |  | 2<br> C<br> B |  | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50330327 | 34975687 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | There are red flags on the fraud report that have not been address. Auto Refer-App verify |  |  |  | Reviewer Comment (2021-11-03): Cleared<br>Buyer Comment (2021-10-28): Updated Drive Report | 11/03/2021 |  |  | 1<br> C<br> A |  | NV | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50330327 | 34975689 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | XXX SSR risk score is 2.2. XXX risk score is 3.5. Allow the use if the lower SSR risk score to determine if CDA is required vs program guideline that is XXX or XXX SSR risk score is greater than 2.5 a CDA is required. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years. |  | XXX<br>XXX<br>XXX<br>XXX<br>XXX | Reviewer Comment (2021-10-14): Lender granted exception approval in file. |  |  | 10/14/2021 | 2<br> B |  | NV | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57038991 | 34975693 |  | Credit | Note | General | Note | Loans with an application date after 10/01/2020 using a LIBOR Index are not Agency Salable. | Index: ___; Note Date: ___ |  |  |  |  | Buyer Comment (2021-12-02): replacement verbiage is included in the body of the document: includes details of process when libor is eliminated |  |  | 12/02/2021 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57038991 | 34975694 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Personal Information section is incomplete. Final 1003 does not disclose a complete 24 month housing/residence history. Letter of explanation discloses XXX as Borrower and Co-borrower's prior residence retained after purchase of subject. |  |  |  | Reviewer Comment (2021-12-03): Documentation received. Exception cleared. 12/3/2021.<br>Buyer Comment (2021-12-02): see 1003 | 12/03/2021 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57038991 | 34975695 |  | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. |  | Supplement to Preliminary reflects a $XXX proposed title policy amount. Missing amended title report or supplement indicating a minimum $XXX proposed amount is not in file. |  |  |  | Reviewer Comment (2021-12-03): Documentation received. Exception cleared. 12/3/2021.<br>Buyer Comment (2021-12-02): see title coverage validation | 12/03/2021 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57038991 | 34975696 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Supplement to Preliminary reflects a $XXX proposed title policy amount. Missing amended title report or supplement indicating a minimum $XXX proposed amount is not in file. |  |  |  | Reviewer Comment (2021-12-03): Documentation received. Exception cleared. 12/3/2021.<br>Buyer Comment (2021-12-02): see title coverage validation | 12/03/2021 |  |  | 1<br> B<br> A |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57038991 | 34975697 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $845.00 exceeds tolerance of $805.00. Sufficient or excess cure was provided to the borrower at Closing. | Final Closing Disclosure discloses Lender's $40.00 cure credit for tolerance |  |  |  | Reviewer Comment (2021-11-29): Sufficient Cure Provided At Closing |  | 11/29/2021 |  | 1<br> A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 57038991 | 34975698 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 08/XX/2021 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  | Reviewer Comment (2021-12-02): XXX received proof of fulfillment by other method than electronic within 3 business days of application<br>Buyer Comment (2021-12-02): see LOE for documents sent via mail.<br>Buyer Comment (2021-12-02): see disclosure tracking | 12/02/2021 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57038991 | 34975699 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 11/XX/2021 not received by borrower at least four (4) business days prior to closing. | LE dated 11/XX/2021 received 11/XX/2015 (Closing date) |  |  |  | Reviewer Comment (2021-12-02): XXX received disclosure summary<br>Buyer Comment (2021-12-02): per executed documents the closing date is 11-18-2021. Please review and clear. | 12/02/2021 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure<br> C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57038991 | 34975700 |  | Property | Appraisal | Appraisal Reconciliation | Appraisal | Missing secondary valuation viaDesk Review, Field Review, or 2nd URAR, as required by client. |  | CU is 2.6 which is over the 2.5 maximum score. Provide secondary valuation. |  |  |  | Reviewer Comment (2022-04-04): AVM provided | 04/04/2022 |  |  | 1<br> A |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53997876 | 34975703 |  | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | XXX's license or certification was not active at the time of the appraisal. | - | The XXX license or certification effective date 11/XX/2021 based on the Appraisal look up, date reflect license was not active at the time valuation was reported. |  |  |  | Reviewer Comment (2021-12-16): Cleared<br>Buyer Comment (2021-12-15): Disciplinary action search<br>Buyer Comment (2021-12-15): The document uploaded came directly from the XXX. XXX. The certificate of license shows the XXX has been active since 10/XX/01.<br>Reviewer Comment (2021-12-14): National database an effective date of license of 11/XX/2021, does not reference any prior history. Need proof the XXX's licence was active prior to appraisal date.<br>Buyer Comment (2021-12-13): Per XXX, the XXX was certified and license expires 10/XX/23. If this it not where you are searching, please provide additional information so that we may research. | 12/16/2021 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53997876 | 34975705 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 1,548.00 on Final Closing Disclosure provided on 11/XX/2021 not accurate. | HOA verified on 1008 = $1550.04 Closing Disclosure stated $1,548.00 Appraisal states = $1,550.00 |  |  |  | Reviewer Comment (2021-12-17): XXX received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2021-12-17): Attached is the LOX and PCCD |  | 12/17/2021 |  | 2<br> C<br> B |  | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 51185570 | 34975709 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure 12/XX/2021 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) | Seller Closing Disclosure documentation is missing and Final Closing Disclosure does not indicated Seller Paid Fees. |  |  |  | Reviewer Comment (2021-12-14): XXX received seller's CD.<br>Buyer Comment (2021-12-13): Uploaded seller paid fees | 12/14/2021 |  |  | 1<br> C<br> A |  | NV | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 55065978 | 34975713 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 11/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 11/XX/2021). | The Finance Charge for the Final Closing Disclosure $XXX does not correlate with the Finance Charge Calculation for the Loan $. There is a Variance of $240.00. |  |  |  | Reviewer Comment (2021-12-14): XXX received confirmation of fee purpose as Disaster Inspection and not finance charge.<br>Buyer Comment (2021-12-14): The compliance inspection is the CDAIR which should not be included in the APR.<br>Reviewer Comment (2021-12-14): It appears the finance charge may not include the compliance inspection. Please provide attestation regarding the purpose of this fee for review or please provide a corrected CD, LOE, refund check, and proof of delivery to cure.<br>Buyer Comment (2021-12-13): The finance charge of $XXX is correct - it matched the XXX report - see page 6 of the XXX report | 12/14/2021 |  |  | 1<br> C<br> A |  | NJ | 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)<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 55065978 | 34975714 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow no Housing History due to borrower lives rent free with family for the past 6 years Vs program restriction that borrowers without mortgage or rental housing history including borrowers living rent free are not eligible, but will be considered on an exception basis. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Credit Score is 766, 106 points > program requirement of 660. | XXX,Originator Pre-Close<br>XXX<br>XXX<br>XXX<br>XXX<br>XXX | Reviewer Comment (2021-12-09): Compensating Factors used to waive Exception. |  |  | 12/09/2021 | 2<br> B |  | NJ | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55065978 | 34975716 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide the UW sheet used to verify the Bank Statement income, the UW sheet provided does not compute to the correct income. |  |  |  | Reviewer Comment (2021-12-15): cleared<br>Buyer Comment (2021-12-15): The income calc and 1008 reflect the same income<br>Reviewer Comment (2021-12-15): Again similar UW sheet provided which was already there in file , please provide UW sheet with correct calculation as per clarity , Exception remains.<br>Buyer Comment (2021-12-13): Uploaded income cal | 12/15/2021 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54906403 | 34975718 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2021-12-20): Received Approval document. Exception Cleared<br>Buyer Comment (2021-12-17): see final 1008<br>Reviewer Comment (2021-12-15): DTI on Approval document do not match with 1008. Exception Remains.<br>Buyer Comment (2021-12-14): see Approval<br>Buyer Comment (2021-12-14): - | 12/20/2021 |  |  | 1<br> C<br> A |  | MD | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54906403 | 34975720 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $3,000.00 is less than Cash From Borrower $86,457.87. |  |  |  | Reviewer Comment (2021-12-20): Sufficient verified.<br>Buyer Comment (2021-12-17): This is a NON-QM loan. Guidelines clearly state that business funds can be used for closing and or reserves without requirements cited by reviewer<br>Reviewer Comment (2021-12-15): Borrower was qualified using Bank Statement income and all funds for closing are from the business accounts. The guidelines require the use of funds to comply to XXX Requirements. FNMA states: e lender must perform a business cash flow analysis to confirm that the withdrawal of funds for this transaction will not have a negative impact on the business. A business cash flow analysis was not provided and there are no additional personal assets documented in the loan file. The exception remains.<br>Buyer Comment (2021-12-14): see BOA statements reflecting assets of $107,154.32<br>Buyer Comment (2021-12-14): - | 12/20/2021 |  |  | 1<br> C<br> A |  | MD | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54906403 | 34975721 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $7,370.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee requires cure of $7,370.00 |  |  |  | Reviewer Comment (2021-12-14): "XXX received valid COC document to clear the exception.<br>Buyer Comment (2021-12-14): - see COC reflecting comp change | 12/14/2021 |  |  | 1<br> C<br> A |  | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 54906403 | 34975722 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 10/XX/2021 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The Finance Charge for the Final Closing Disclosure $XXX does not correlate with the Finance Charge Calculation for the Loan $XXX. There is a Variance of $778.50. |  |  |  | Reviewer Comment (2021-12-14): XXX received proof initial LE sent via other method than electronic within 3 business days of application<br>Buyer Comment (2021-12-14): LE was sent via Encompass Fulfillment Service<br>Buyer Comment (2021-12-14): - | 12/14/2021 |  |  | 1<br> C<br> A |  | MD | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54906403 | 34975725 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | HPML is failing due to missing MD HPML Disclosure document. |  |  |  | Reviewer Comment (2022-01-04): Lender attestation received that borrower did not qualify for any non-higher-priced loan products.<br>Buyer Comment (2022-01-04): see attestation | 01/04/2022 |  |  | 1<br> B<br> A |  | MD | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54906403 | 34975726 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of 5.93710% or Final Disclosure APR of XX.XX% is in excess of allowable threshold of APOR XX.XX% + XX.XX%, or XX.XX%. Non-Compliant Higher Priced Loan. | HPML is failing due to missing MD HPML Disclosure document. |  |  |  | Buyer Comment (2022-01-04): Waived-the loan is compliant<br>Reviewer Comment (2022-01-04): Lender attestation received that borrower did not qualify for any non-higher-priced loan products. Loan is a Compliant MD HPML.<br>Buyer Comment (2022-01-04): see attestation |  |  | 01/04/2022 | 2<br> B |  | MD | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54906403 | 34975727 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow no primary housing history due to borrower living rent free with his daughter for the past 3 years. | Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Comp factor used to waive exception | XXX,Originator<br>XXX<br>XXX | Reviewer Comment (2021-12-13): Comp factor used to waive exception |  |  | 12/13/2021 | 2<br> B |  | MD | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59051095 | 34975728 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is unable to document 12-month's housing history due to rent paid in cash. Allow housing history to be documented by a lease agreement and letters of explanation from borrower and landlord that rent is paid in cash since lease inception of 8/2020 vs program requirement that for any mortgage or rental obligation undisclosed on the borrower's credit report, alternative documentation showing the most recent 12-months activity up to and including the month prior to the Note Date in the form of either a Verification of Rent from and institutional third party, cancelled check, monthly bank statements or transactional payment history directly from the servicer or their website is required | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | DTI is 24.927%, 25.073% < program maximum of 50%. | XXX<br>XXX<br>XXX,Originator Pre-Close<br>XXX<br>XXX | Reviewer Comment (2021-12-10): Compensating Factors used to waive Exception. |  |  | 12/10/2021 | 2<br> B |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59051095 | 34975731 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $555.00 exceeds tolerance of $495.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure was provided by the Lender for appraisal fee tolerance. |  |  |  | Reviewer Comment (2021-12-10): Sufficient Cure Provided At Closing |  | 12/10/2021 |  | 1<br> A |  | FL | Primary | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 59051095 | 34975733 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  | Flood Insurance policy was not provided, only the invoice was provided for review. |  |  |  | Reviewer Comment (2021-12-15): Received Evidence of Flood Insurance. Exception cleared.<br>Buyer Comment (2021-12-15): Uploaded, please see the Flood Policy. Thank you. | 12/15/2021 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53993386 | 34975735 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Ability to Repay not Verified) | New York Subprime Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully-indexed rate with fully-amortizing payment and taking into account payments on any simultaneously-closed loans. |  |  |  |  | Reviewer Comment (2021-12-22): ATR verified.<br>Buyer Comment (2021-12-21): Disclosure | 12/22/2021 |  |  | 1<br> B<br> A |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure<br> C<br> A<br> B | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53993386 | 34975736 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Change Fees) | New York Subprime Loan: Mortgage loan contains possible impermissible modification or deferral fees. (Note: Only applies if original loan was also subprime.) |  |  |  |  | Reviewer Comment (2021-12-23): Fee charged was for Rate Lock extension and not the extension of a subprime home loan. Exception cleared.<br>Buyer Comment (2021-12-23): Previous loan was not SubPrime<br>Reviewer Comment (2021-12-22): Need verification the loan being paid off was not subprime. Otherwise this remains a grade 2 exception.<br>Buyer Comment (2021-12-21): note | 12/23/2021 |  |  | 1<br> B<br> A |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, refund of any modification, renewal, extension or amendment fees paid by borrower and proof of mailing.<br> C<br> A<br> B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 53993386 | 34975737 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2021-12-22): Provided.<br>Buyer Comment (2021-12-21): Please see uploaded disclosure | 12/22/2021 |  |  | 1<br> B<br> A |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure<br> C<br> A<br> B | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53993386 | 34975738 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2021-12-22): Provided<br>Buyer Comment (2021-12-21): MTG. | 12/22/2021 |  |  | 1<br> B<br> A |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.).<br> C<br> A<br> B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 53993386 | 34975739 |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 5.25500% or Final Disclosure APR of XX.XX% is in excess of allowable threshold of Prime Mortgage Market Rate XX.XX% + XX.XX%, or XX.XX%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2021-12-23): this is now a compliant loan. We do not have an override for this exception .<br>Reviewer Comment (2021-12-23): Loan is NY Subprime Compliant.<br>Buyer Comment (2021-12-23): Previous loan was not SubPrime<br>Reviewer Comment (2021-12-23): this is tied to the other exception. please address that one first<br>Buyer Comment (2021-12-21): Appraisall delivery<br>Reviewer Comment (2021-12-20): Correction to below comment. Missing evidence of appraisal delivery to Borrower.<br>Reviewer Comment (2021-12-20): Missing Compliance Report for Bonafide Discount Points<br>Buyer Comment (2021-12-16): Uploaded note | 12/23/2021 |  |  | 1<br> B<br> A |  | NY | Primary | Refinance - Cash-out - Other | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place.<br> C<br> A<br> B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 53993386 | 34975740 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (2021-12-22): Provided<br>Buyer Comment (2021-12-21): Tax<br>Buyer Comment (2021-12-21): Please see LE that was uploaded originally with package | 12/22/2021 |  |  | 1<br> B<br> A |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure<br> C<br> A<br> B | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53993386 | 34975742 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Missing Approval used to qualify for the SP A10 program which has the correct DTI which matches the 1008. |  |  |  | Reviewer Comment (2021-12-17): Received updated Approval. Exception Cleared<br>Buyer Comment (2021-12-16): Uploaded approval and 1008<br>Reviewer Comment (2021-12-15): The DTI and Borrower Income on the approval received does not match the 1008 and 1003. Exception remains.<br>Buyer Comment (2021-12-14): uploaded approval | 12/17/2021 |  |  | 1<br> C<br> A |  | NY | Primary | Refinance - Cash-out - Other | C<br> A<br> B | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52523796 | 34975748 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-4,016.25 is less than amount of binding Lender Credit previously disclosed in the amount of $-6,024.00. | 0% fee tolerance exceeded for lender's credit with no change circumstance provided. |  |  |  | Reviewer Comment (2021-12-16): XXX received VCC, exception is cleared.<br>Buyer Comment (2021-12-16): see COC LE and COC CD | 12/16/2021 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 52523796 | 34975749 |  | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided |  | Missing check for the gift fund of $20K. There is a gift letter signed 11/23 by donor, however partial signed by Recipient and not dated. If 2nd gift of $20K was given need proof of receipt/copy of donor check. |  |  |  | Reviewer Comment (2021-12-17): Removed extra gift, not documented and validated<br>Buyer Comment (2021-12-16): There was only one gift in amount of $20k | 12/17/2021 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52523796 | 34975750 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Based on the response of only receiving one $20,000 gift, the borrower is short reserves. |  |  |  | Reviewer Comment (2021-12-21): Updated gift verification provided.<br>Buyer Comment (2021-12-21): CD reflects Cash to close of $58,782.01; required funds are $84,093.19, verified funds are $95,597.27 resulting in borrower reserves 8.73 months<br>Buyer Comment (2021-12-21): See Gift 1 letter-source, gift 2 letter - source | 12/21/2021 |  |  | 1<br> A |  | CA | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58090498 | 34975751 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 4.48360% or Final Disclosure APR of XX.XX% is in excess of allowable threshold of APOR XX.XX% + XX.XX%, or XX.XX%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2021-12-17): Documentation received. Exception cleared. 12/17/2021.<br>Buyer Comment (2021-12-16): See uploaded Compliance Report indicating an Alert for the High Cost findings, not a Fail. Please clear finding. | 12/17/2021 |  |  | 1<br> C<br> A |  | IL | Primary | Purchase | D<br> A<br> C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58090498 | 34975752 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Missing Appraisal in the loan. Document is required and needs to be provided. |  |  |  | Reviewer Comment (2021-12-17): Documentation received. Exception cleared. 12/17/2021.<br>Buyer Comment (2021-12-16): Uploaded appraisal. | 12/17/2021 |  |  | 1<br> B<br> A |  | IL | Primary | Purchase | D<br> A<br> C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58090498 | 34975753 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal Not Obtained Timely) | Unable to determine compliance with timely delivery of valuation to borrower due to missing information. | Missing Appraisal in the loan. Document is required and needs to be provided. |  |  |  | Reviewer Comment (2021-12-17): Documentation received. Exception cleared. 12/17/2021.<br>Buyer Comment (2021-12-16): Uploaded appraisal. | 12/17/2021 |  |  | 1<br> C<br> A |  | IL | Primary | Purchase | D<br> A<br> C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58090498 | 34975754 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained by physical visit to property. | Missing Appraisal in the loan. Document is required and needs to be provided. |  |  |  | Reviewer Comment (2021-12-17): Documentation received. Exception cleared. 12/17/2021.<br>Buyer Comment (2021-12-16): See uploaded appraisal. | 12/17/2021 |  |  | 1<br> C<br> A |  | IL | Primary | Purchase | D<br> A<br> C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58090498 | 34975755 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 10,131.00 on Final Closing Disclosure provided on 12/XX/2021 not accurate. | Valid exception, non-escrowed property costs over year 1 in the amount of $10,131.00 is inaccurate per documentation. There is the need to provided a corrected final CD. |  |  |  | Reviewer Comment (2021-12-17): Documentation received. Exception cleared. 12/17/2021.<br>Buyer Comment (2021-12-16): The appraisal shows $921 HOA fees. Per FNMA it is permissible to use 11 months for calculating these costs. Therefore, no cure is required.<br>According to §1026.38 Content of disclosures for certain mortgage transactions (CD) During the first year. Section 1026.38(l)(7)(i)(B)(1) requires disclosure based on payments during the first year after consummation. A creditor may comply with this requirement by basing the disclosure on a 12-month period beginning with the borrower's initial payment date OR on a 12-month period beginning with consummation. Using an 11 month amount is acceptable. | 12/17/2021 |  |  | 1<br> C<br> A |  | IL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> D<br> A<br> C | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 58090498 | 34975757 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing.; Sec ID: 1 |  | Missing primary Appraisal in file. Document is required and needs to be provided. |  |  |  | Reviewer Comment (2021-12-17): Documentation received. Exception cleared. 12/17/2021.<br>Buyer Comment (2021-12-16): Uploaded appraisal. | 12/17/2021 |  |  | 1<br> D<br> A |  | IL | Primary | Purchase | D<br> A<br> C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58090498 | 34975758 |  | 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 (2021-12-17): Documentation received. Exception cleared. 12/17/2021.<br>Buyer Comment (2021-12-16): See uploaded appraisal dated 11/01/2021. | 12/17/2021 |  |  | 1<br> C<br> A |  | IL | Primary | Purchase | D<br> A<br> C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58090498 | 34975760 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2021-12-17): Documentation received. Exception cleared. 12/17/2021.<br>Buyer Comment (2021-12-16): Uploaded appraisal.<br>Buyer Comment (2021-12-16): Uploaded approval. | 12/17/2021 |  |  | 1<br> C<br> A |  | IL | Primary | Purchase | D<br> A<br> C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58090498 | 34975762 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Missing primary appraisal in the loan file. Document is required and need to be provided. |  |  |  | Reviewer Comment (2021-12-17): Documentation received. Exception cleared. 12/17/2021.<br>Buyer Comment (2021-12-16): Uploaded appraisal. | 12/17/2021 |  |  | 1<br> D<br> A |  | IL | Primary | Purchase | D<br> A<br> C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58090498 | 34975763 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Appraisal Flipped Property Missing Information | Last Sales Price or Last Sales Date from the Primary Valuation or Contract Sales Price or Contract Sales Date are missing. Unable to determine compliance with TIL HPML Flipped Property Requirements. |  |  |  |  | Reviewer Comment (2021-12-17): Documentation received. Exception cleared. 12/17/2021.<br>Buyer Comment (2021-12-16): Uploaded applicable page of the appraisal. | 12/17/2021 |  |  | 1<br> C<br> A |  | IL | Primary | Purchase | D<br> A<br> C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58090498 | 34975764 |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Missing document in file. |  |  |  | Reviewer Comment (2021-12-17): Documentation received. Exception cleared. 12/17/2021.<br>Buyer Comment (2021-12-17): Uploaded document. | 12/17/2021 |  |  | 1<br> C<br> A |  | IL | Primary | Purchase | D<br> A<br> C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56904133 | 34975766 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: Compliance Report (XXX, ComplianceEase, etc.) not provided |  | The Compliance Report was not found in the file. |  |  |  | Reviewer Comment (2021-12-16): Received Compliance Report , Exception cleared.<br>Buyer Comment (2021-12-15): XXX Report uploaded. | 12/16/2021 |  |  | 1<br> C<br> A |  | IL | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56904133 | 34975769 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,700.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee requires cure of Amount of $2,700.00 |  |  |  | Reviewer Comment (2021-12-16): XXX has received valid COC's for increase in discount points.<br>Buyer Comment (2021-12-15): Uploaded, please see the LE and COC, dated 11.03.2021, and reflecting Loan Amount Points of $2532.00 due to pricing of a rate lock. In addition, please see the CD and COC, dated 11.22.2021, reflecting Loan Amount Points of $2700.00 due to changes in the loan, including rate lock pricing. The Disclosure Tracking Summary is included for proof of delivery. Thank you. | 12/16/2021 |  |  | 1<br> C<br> A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 55039360 | 34975781 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Hazard insurance coverage amount of $220,000 is insufficient by $12,000. |  |  |  | Reviewer Comment (2021-12-20): Provided Hazard Policy reads 100% replacement cost. Exception Cleared<br>Buyer Comment (2021-12-19): Uploaded HOI Dec. Page showing 100% Replacement Cost. No further cure required. | 12/20/2021 |  |  | 1<br> C<br> A |  | TX | Investment | Purchase | D<br> B<br> C<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55039360 | 34975783 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. | Missing HUD-1 in loan file. |  |  |  | Reviewer Comment (2022-01-03): Closing statement being used.<br>Reviewer Comment (2021-12-30): Business purpose cert in file. Exempt from TILA/RESPAHUD/CD requirement. EV2 informational finding to indicate which document was used to source fees for testing.<br>Buyer Comment (2021-12-29): The document submitted is the only final settlement statement.<br>Reviewer Comment (2021-12-22): This document was already in file and is a closing statement, please provide the HUD-1, if no HUD available the closing statement will be sent for further review.<br>Buyer Comment (2021-12-19): Uploaded HUD 1. |  |  | 01/03/2022 | 2<br> D<br> B |  | TX | Investment | Purchase | D<br> B<br> C<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55039360 | 34975784 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Insurance document provided does not reflect the lender and it successor. |  |  |  | Reviewer Comment (2021-12-20): Received Hazard Policy shows correct Mortgagee clause. Exception Cleared.<br>Buyer Comment (2021-12-19): Uploaded HOI Dec. Page showing Lender and ISAOA. No further cure required. | 12/20/2021 |  |  | 1<br> C<br> A |  | TX | Investment | Purchase | D<br> B<br> C<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55039360 | 34975785 |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | No VOR/VOM was provided. As per the 1003 application, borrower indicated there is no housing history expenses, verification is needed and more so there is no lender's exception in file to support the point. |  |  |  | Reviewer Comment (2021-12-22): Lender exception in file for the housing history.<br>Buyer Comment (2021-12-19): Uploaded Approved Exception for Payment History. | 12/22/2021 |  |  | 1<br> C<br> A |  | TX | Investment | Purchase | D<br> B<br> C<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55039360 | 34975786 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow 9 financed properties (7 closed, 2 in process) with XXX (total aggregate principal balance of $XXX within Guidelines) vs. program restriction that no borrower may be obligated for more than 6 loans that have been sold to XXX and/or an aggregate amount that exceeds $25,000,000. (Note Exception has not been waived as the DTI is not 41.55%) | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit Score is 790, 110 points > program requirement of 680. | XXX<br>XXX<br>XXX<br>XXX<br>XXX,Originator Pre-Close | Reviewer Comment (2021-12-14): Comp factors used to waive exception. |  |  | 12/14/2021 | 2<br> B |  | TX | Investment | Purchase | D<br> B<br> C<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55039360 | 34975787 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Mortgage statement for the property address XXX, TX in the loan file. All the mortgage statement provided in file does not reflect the borrower's name. HUD-1 statement was provided and indexed for some of the investment properties, but there is the need to provide evidence of the new payment. |  |  |  | Reviewer Comment (2022-01-03): Received required documentation. Cleared.<br>Buyer Comment (2021-12-30): Uploaded documentation for XXX.<br>Reviewer Comment (2021-12-30): Loan file contained HUD-1's and First Payment Letters verifying escrows were included for recent refinances of XXX, XXX, XXX, XXX, XXX and XXX and Note, First Payment Letter verifying escrows were included, as well as Tax Cert and Insurance for XXX so documentation for all those properties has been cleared. Just missing information for XXX. Note: there is another First Payment Letter for loan ending in XXX with loan amount of $XXX and payment of $1,741.64 however missing HUD-1 for this loan to verify property address to see if it is for XXX. If it is, please provide the final HUD-1 corresponding to the First Payment Letter. If it is not, then need mortgage statement, tax and insurance verification for XXX and would also need to verify if an additional property exists that needs to be added into the DTI ratio per this additional First Payment Letter.<br>Reviewer Comment (2021-12-30): Exception Explanation Updated from: Insurance Verification, Statement, Tax Verification<br> Statement<br> Statement<br> Statement<br> Statement<br> Statement<br> Statement<br> Insurance Verification, Statement, Tax Verification<br>Buyer Comment (2021-12-30): Where is my comment from 12/29? It appears to have been deleted. Are you saying, the new mortgage First Payment Letter's & HUD's are not in your file? They are in our file along with the other documentation you cite. Please advise or clear finding.<br>Reviewer Comment (2021-12-22): Tax Certificates provided, however still need the new Mortgage statements for all of the recently closed loans(All 9 properties were recently acquired) for All of the REO's. All of the REO mortgage statements were in a different name. The new mortgage statements are required for verification that the stated payment amounts are accurate, and whether or not the Taxes and Insurance were included in the monthly mortgage payment. Exceptions remain.<br>Buyer Comment (2021-12-19): Uploaded documentation. | 01/03/2022 |  |  | 1<br> C<br> A |  | TX | Investment | Purchase | D<br> B<br> C<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55039360 | 34975788 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow no Primary Housing History due to borrower living rent free with his wife for the past 5 years (Borrower has no ownership in the property) Vs program restriction that borrowers without mortgage or rental housing history including borrowers living rent free are not eligible, but will be considered on an exception basis. (Note Exception has not been waived as the DTI is not 41.55%) | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit Score is 790, 110 points > program requirement of 680. | XXX<br>XXX<br>XXX<br>XXX<br>XXX,Originator Pre-Close | Reviewer Comment (2021-12-14): Comp factors used to waive exception. |  |  | 12/14/2021 | 2<br> B |  | TX | Investment | Purchase | D<br> B<br> C<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55039360 | 34975789 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide Mortgage statements for All of the borrower's properties which were recently purchased, statements provided are all in the previous owners name. If the new mortgage statement does not include the Tax and Insurance in escrow, please provide the Tax and Insurance verifications for those individual properties as wel,l or additional exceptions may result. |  |  |  | Reviewer Comment (2022-01-03): Received required documentation. Cleared.<br>Buyer Comment (2021-12-30): Uploaded documents for XXX.<br>Reviewer Comment (2021-12-30): Loan file contained HUD-1's and First Payment Letters verifying escrows were included for recent refinances of XXX, XXX, XXX, XXX, XXX and XXX and Note, First Payment Letter verifying escrows were included, as well as Tax Cert and Insurance for XXX so documentation for all those properties has been cleared. Just missing information for XXX. Note: there is another First Payment Letter for loan ending in #XXX with loan amount of $XXX and payment of $1,741.64 however missing HUD-1 for this loan to verify property address to see if it is for XXX. If it is, please provide the final HUD-1 corresponding to the First Payment Letter. If it is not, then need mortgage statement, tax and insurance verification for XXX and would also need to verify if an additional property exists that needs to be added into the DTI ratio per this additional First Payment Letter.<br>Buyer Comment (2021-12-29): There is sufficient documentation in the file for each of the REO properties. HUD 1 statements and 1st payment letters including escrows. No further cure is required for this finding. The documentaion is in the file. Please clear finding.<br>Reviewer Comment (2021-12-22): Tax Certificates provided, however still need the new Mortgage statements for all of the recently closed loans(All 9 properties were recently acquired) for All of the REO's. All of the REO mortgage statements were in a different name. The new mortgage statements are required for verification that the stated payment amounts are accurate, and whether or not the Taxes and Insurance were included in the monthly mortgage payment. Exceptions remain.<br>Buyer Comment (2021-12-19): This is a blanket statement requesting documentation that has been included in the loan file. Please closely review documentation included in the loan file and identify the properties that you identify as missing documentation and what specific documentation is needed. Thank you. | 01/03/2022 |  |  | 1<br> C<br> A |  | TX | Investment | Purchase | D<br> B<br> C<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55039360 | 34975790 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing the Initial 1003 from the file, please provide the Initial application signed by borrower at Origination. |  |  |  | Reviewer Comment (2021-12-20): Received Initial 1003 signed & dated. Exception Cleared<br>Buyer Comment (2021-12-19): Uploaded signed initial 1003. | 12/20/2021 |  |  | 1<br> C<br> A |  | TX | Investment | Purchase | D<br> B<br> C<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55039360 | 34975791 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Missing New Mortgage Statements for the REO properties, documentation provided indicates DTI is over 50%. |  |  |  | Reviewer Comment (2022-01-04): Received 1007's for both properties and used vacany factor for net rent calculation. DTI now within guidelines. Exception cleared.<br>Buyer Comment (2022-01-03): Uploaded the Rent Schedules from the appraisals for each property.<br>Reviewer Comment (2022-01-03): The DTI is outside of tolerances due to no income documentation was provided for the properties located at XXX, and XXX. Please provide the Lease agreements for these 2 properties, to verify/determine the DTI, additional exceptions may result, depending on the lease amounts.<br>Buyer Comment (2021-12-30): This is a waterfall finding related to other findings for which documentation has been submitted.<br>Reviewer Comment (2021-12-30): DTI updated with payments from First Payment Letters confirming escrows included in payments.<br>Reviewer Comment (2021-12-30): Exception Explanation Updated from: Calculated investor qualifying total debt ratio of 59.31541% exceeds Guideline total debt ratio of 50.00000%.<br>Buyer Comment (2021-12-29): All applicable documentation is in file. This is a waterfall finding related to another finding for which documentation has been provided. | 01/04/2022 |  |  | 1<br> C<br> A |  | TX | Investment | Purchase | D<br> B<br> C<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51170978 | 34975795 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $725.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2021-12-13): Sufficient Cure Provided At Closing |  | 12/13/2021 |  | 1<br> A |  | AZ | Primary | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 51170978 | 34975796 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 12/XX/2021). | From the Itemization of Amount Financed it appears that the Title - E-Title Fee of $200.00 was not included in the Prepaid Finance Charges. |  |  |  | Reviewer Comment (2021-12-23): XXX received a corrected CD, LOE, refund check, and proof of delivery.<br>Buyer Comment (2021-12-21): Uploaded PCCD, LOX, and refund iao $200.00 for E-Title Fee.<br>Reviewer Comment (2021-12-16): Please provide purpose of E-Title fee. Fee name is not indicative of purpose. An abundance of caution would indicate the fee must be considered a finance charge.<br>Buyer Comment (2021-12-15): Uploaded the compliance report. The Title - E Title Fee is not a finance charge, since it is a fee that can be charged in a cash transaction. These fees are exempt under 12 CFR 1026.4(a). |  | 12/23/2021 |  | 2<br> C<br> B |  | AZ | 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)<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 55642463 | 34975797 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Initial - Broker's is incomplete |  | Missing Broker's and Lender's Initial 1003 (both signed and dated) |  |  |  | Reviewer Comment (2021-12-29): cleared<br>Buyer Comment (2021-12-29): Uploaded Initial Loan Application<br>Buyer Comment (2021-12-29): Initial Loan Application<br>Reviewer Comment (2021-12-20): We required Broker's and Lender's Initial 1003 on business purpose loan also , Exception remains.<br>Buyer Comment (2021-12-16): This is a business purpose loan. Not required to be signed. | 12/29/2021 |  |  | 1<br> C<br> A |  | FL | Investment | Purchase | D<br> B<br> C<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55642463 | 34975798 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. |  |  |  |  | Reviewer Comment (2021-12-20): Using settlement statement.<br>Reviewer Comment (2021-12-20): Business purpose cert in file. Exempt from TILA/RESPAHUD/CD requirement. EV2 informational finding to indicate which document was used to source fees for testing.<br>Buyer Comment (2021-12-16): Uploaded final executed HUD 1.<br>Buyer Comment (2021-12-16): Final Executed HUD 1 |  |  | 12/20/2021 | 2<br> D<br> B |  | FL | Investment | Purchase | D<br> B<br> C<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55642463 | 34975799 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property submitted as Non-QM / Exempt from ATR | Ability to Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to Ability to Repay requirements. | Tested as non-QM as directed by client. |  |  |  | Reviewer Comment (2021-12-29): waived |  |  | 12/29/2021 | 2<br> B |  | FL | Investment | Purchase | D<br> B<br> C<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53159213 | 34975814 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,280.00 exceeds tolerance of $1,200.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure of was provided. |  |  |  | Reviewer Comment (2021-12-14): Sufficient Cure Provided At Closing |  | 12/14/2021 |  | 1<br> A |  | FL | Primary | Purchase | Final CD evidences Cure<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 53159213 | 34975816 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender approved 5% LTV exception, for 2 Unit purchase. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Lender granted exception approval in the loan file. | XXX,Originator<br>XXX<br>XXX<br>XXX<br>XXX | Reviewer Comment (2021-12-15): Comp factors used to waive exception. |  |  | 12/15/2021 | 2<br> B |  | FL | Primary | Purchase | B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53159213 | 34975817 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Lender approved 5% LTV exception, for 2 Unit purchase. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Lender granted exception approval in the loan file. | XXX,Originator<br>XXX<br>XXX<br>XXX | Reviewer Comment (2021-12-15): Comp factors used to waive exception. |  |  | 12/15/2021 | 2<br> B |  | FL | Primary | Purchase | B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53159213 | 34975818 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | No rental history for Borrower 3 due to living rent free with his Co-borrower Parents for over 1 year. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Lender granted exception approval in the loan file. | XXX,Originator<br>XXX<br>XXX<br>XXX | Reviewer Comment (2021-12-15): Comp factors used to waive exception. |  |  | 12/15/2021 | 2<br> B |  | FL | Primary | Purchase | B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58781366 | 34975820 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2021-12-17): Received Approval document , Exception cleared.<br>Buyer Comment (2021-12-16): Approval Document uploaded. | 12/17/2021 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58781366 | 34975823 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $475.00 exceeds tolerance of $460.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2021-12-14): Sufficient Cure Provided At Closing |  | 12/14/2021 |  | 1<br> A |  | NJ | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 56171122 | 34975827 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,150.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided. |  |  |  | Reviewer Comment (2021-12-21): Sufficient Cure Provided At Closing |  | 12/21/2021 |  | 1<br> A |  | FL | Primary | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 56171122 | 34975829 |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  |  |  |  |  | Reviewer Comment (2021-12-27): Doc ID 27, loan statement, dated 11/9/2021, secured by the departing residence, shows an outstanding balance. Credit supplement, doc ID 314, shows loan opened 8/21. Property report shows previously owned free and clear. History verified.<br>Buyer Comment (2021-12-23): see proof of taxes and insurance paid<br>Buyer Comment (2021-12-23): XXX is owned free and clear, see attached. | 12/27/2021 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56171122 | 34975831 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Lender exception in file for less than 2 years employment verified. | The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Comp factors used to waive exception. | XXX,Originator | Reviewer Comment (2021-12-27): Lender granted exception approval in loan file. |  |  | 12/27/2021 | 2<br> B |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56714562 | 34975833 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $755.00 exceeds tolerance of $495.00. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $495.00 on LE but disclosed as $755.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $260, 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 (2022-01-03): Sufficient cure provided at closing.<br>Buyer Comment (2022-01-03): Executed CD which has $260 cure in lender credits uploaded for your review, | 01/03/2022 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 56714562 | 34975837 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $755.00 exceeds tolerance of $495.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2022-01-03): Sufficient Cure Provided At Closing |  | 01/03/2022 |  | 1<br> A |  | FL | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 54104367 | 34975838 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Approval is missing. |  |  |  | Reviewer Comment (2021-12-29): Provided.<br>Reviewer Comment (2021-12-29): Received approval document , however DTI is mismatch with 1008 ,provide corrected approval document , Exception remains.<br>Buyer Comment (2021-12-28): Uploaded final approval | 12/29/2021 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54104367 | 34975846 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $555.00 exceeds tolerance of $495.00. Sufficient or excess cure was provided to the borrower at Closing. | XXX: Sufficient cure provided at closing |  |  |  | Reviewer Comment (2021-12-28): Sufficient Cure Provided At Closing |  | 12/28/2021 |  | 1<br> A |  | FL | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 54104367 | 34975847 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | XXX: Sufficient cure provided at closing |  |  |  | Reviewer Comment (2021-12-28): Sufficient Cure Provided At Closing |  | 12/28/2021 |  | 1<br> A |  | FL | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 58734689 | 34975848 |  | Credit | 1003 | Missing Document | 1003 | Missing Lender's Initial 1003/Application. |  |  |  |  |  | Reviewer Comment (2021-12-29): Lenders initial 1003 provided<br>Buyer Comment (2021-12-29): Uploaded initial 1003. | 12/29/2021 |  |  | 1<br> C<br> A |  | OH | Primary | Refinance - Cash-out - Other | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58734689 | 34975849 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2021-12-30): Received Approval document , Exception cleared.<br>Buyer Comment (2021-12-28): Uploaded approval. | 12/30/2021 |  |  | 1<br> C<br> A |  | OH | Primary | Refinance - Cash-out - Other | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54856234 | 34975857 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $700.00 exceeds tolerance of $695.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $695.00 on LE but disclosed as $700.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2021-12-23): Sufficient Cure Provided At Closing |  | 12/23/2021 |  | 1<br> A |  | MS | Primary | Purchase | Final CD evidences Cure<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 58789330 | 34975858 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2021-12-30): Received Approval document , Exception cleared.<br>Buyer Comment (2021-12-28): Uploaded final approval | 12/30/2021 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58789330 | 34975860 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: Compliance Report (XXX, ComplianceEase, etc.) not provided |  |  |  |  |  | Reviewer Comment (2021-12-30): Received Compliance Report , Exception cleared.<br>Buyer Comment (2021-12-28): Uploaded compliance report | 12/30/2021 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51784632 | 34975865 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property is a XXX style Home which is ineligible property type per guidelines. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years. | Comp factors used to waive exception. | XXX,Originator<br>XXX<br>XXX | Reviewer Comment (2021-12-27): Lender granted exception approval in loan file. |  |  | 12/27/2021 | 2<br> B |  | MT | Second Home | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51784632 | 34975866 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 09/XX/2021 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  | Reviewer Comment (2021-12-28): XXX received proof of fulfillment by other method than electric<br>Buyer Comment (2021-12-28): The Initial LE was issued on 09.15.2021 with a Due Date of 09.XX.2021. Please be advised XXX mailed the Disclosure Package on 09.XX.2021. Please see the XXX Tracking Screen reflecting, 'Package has been Fulfilled,' on 09.XX.2021. Thank you. | 12/28/2021 |  |  | 1<br> C<br> A |  | MT | Second Home | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51784632 | 34975867 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $950.00 exceeds tolerance of $800.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $800.00 on LE but disclosed as $950.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2021-12-23): Sufficient Cure Provided At Closing |  | 12/23/2021 |  | 1<br> A |  | MT | Second Home | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50009768 | 34975870 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2021-12-30): Cleared.<br>Buyer Comment (2021-12-30): The Approval Document is accurate. The correct 1008 matching the approved DTI calculation of 9.280 has been uploaded.<br>Reviewer Comment (2021-12-30): Received approval document , however DTI is mismatch with 1008 ,provide corrected approval document , Exception remains.<br>Buyer Comment (2021-12-28): Approval uploaded. | 12/30/2021 |  |  | 1<br> C<br> A |  | HI | Second Home | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50009768 | 34975872 |  | Credit | Insurance | Insurance Analysis | Insurance | The Hazard Insurance Policy effective date is after the Transaction Date. |  | The Hazard insurance effective date of 12/XX/2021, is after the transaction date of 12/XX/2021. |  |  |  | Reviewer Comment (2022-01-05): Received required documentation. Cleared.<br>Buyer Comment (2022-01-05): Hazard EOI uploaded with Effective Date 12.13.2021. | 01/05/2022 |  |  | 1<br> C<br> A |  | HI | Second Home | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50009768 | 34975873 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $2,800.00 exceeds tolerance of $1,900.00. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $1,900.00 on LE but disclosed as $2,800.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $900.00, 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 (2021-12-28): XXX received valid changed circumstance.<br>Buyer Comment (2021-12-28): Uploaded, please find the LE, dated 11.16.2021, reflecting the increase to the Appraisal Fee to $2800.00. In addition, please see the COC stating the increase to the appraisal is due to the 'Rush' status. Also, please see the Appraisal Invoice reflecting the Rush status, as well. The Disclosure Tracking Summary has been included to show proof of delivery. No further cure required. Thank you. | 12/28/2021 |  |  | 1<br> C<br> A |  | HI | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50009768 | 34975874 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 12/XX/2021). | Finance Charge on page 5 that does not match the actual Finance Charge for the loan. Fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 12/XX/202. |  |  |  | Reviewer Comment (2022-01-12): XXX received PCCD within 60 days of consummation correcting fees.<br>Buyer Comment (2022-01-11): Please be advised the $410.00 was incorrectly labeled as a HOA Fee. The $410.00 Fee is an expanded Owner's Title Insurance Premium. Uploaded, please see the LOE, PCCD reflecting the $410.00 was added to the Owner's Title Insurance ($436.00+$410.00=$846.00) and the Title Attestation clarifying the $410.00 Fee. The proof of delivery has been included.<br>Reviewer Comment (2022-01-05): No new documents have been provided for review in regards to the CD, exception remains.<br>Reviewer Comment (2021-12-28): XXX received the final CD and rebuttal that Title-HOA dues is HOA dues and has reviewed exception. However, HOA dues are typically disclosed in section H and would not have "title" as the prefix. Please provide attestation from title company/settlement agent regarding purpose of Title-HOA Dues and why named as a "title" fee or please provide corrected CD moving the fee to Section H along with the explanation on why it is named "title" fee and LOE to borrower.<br>Buyer Comment (2021-12-28): The XXX calculated Finance Charge includes a $410.00 fee incorrectly labeled as a Title Service Charge. The $410.00 fee reflected on the Final CD is for HOA Dues which are not Finance Charge fees and are to be omitted from the Finance Charge calculation. Please see the uploaded Final CD with the HOA Dues highlighted. No further cure required. Thank you. | 01/12/2022 |  |  | 1<br> C<br> A |  | HI | Second Home | 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)<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 55639228 | 34975876 |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  |  |  |  |  | Reviewer Comment (2021-12-29): Received letter from title company verifying the correct amount of title insurance. Exception is cleared.<br>Buyer Comment (2021-12-28): Uploaded Title letter showing correct loan amount. | 12/29/2021 |  |  | 1<br> B<br> A |  | CA | Primary | Purchase | C<br> A<br> B | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55639228 | 34975880 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-2,285.65 is less than amount of binding Lender Credit previously disclosed in the amount of $-4,571.00. | The cure on the Final CD was not sufficient to cure all tolerance issues. |  |  |  | Reviewer Comment (2021-12-28): Upon further review lender credit correctly disclosed to consumer.<br>Buyer Comment (2021-12-28): Uploaded Loan Estimate & corresponding COC 11-16-2021. | 12/28/2021 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A<br> B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 55639228 | 34975881 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The cure on the Final CD was not sufficient to cure all tolerance issues. |  |  |  | Reviewer Comment (2021-12-28): Sufficient cure provided at closing.<br>Buyer Comment (2021-12-28): Uploaded executed CD with $200 Lender credit. | 12/28/2021 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A<br> B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 55639228 | 34975882 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2021-12-28): Sufficient Cure Provided At Closing |  | 12/28/2021 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure<br> C<br> A<br> B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 58208922 | 34975884 |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | CDA or ARR required unless SRR scores from both FNMA and FHLMC are 2.5 or less. The FNMA score is 2.9 and the FHLMC score is 3, so a CDA/ARR is required. |  |  |  | Reviewer Comment (2022-01-04): Received CDA from XXX dated 12/XX/2021 with a value of $XXX at 0% value variance. Exception Cleared.<br>Buyer Comment (2022-01-03): Uploaded CDA | 01/04/2022 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | D<br> A<br> C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58208922 | 34975885 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | The Loan Approval was not Provided for Review. |  |  |  | Reviewer Comment (2021-12-30): Cleared.<br>Buyer Comment (2021-12-29): Uploaded final conditional approval | 12/30/2021 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | D<br> A<br> C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58208922 | 34975887 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The Closing Disclosure was provided to the borrower on 12/XX/2021 and Closing Date is 12/XX/2021. |  |  |  | Reviewer Comment (2021-12-30): XXX received disclosure tracking indicating the initial CD was received 12/13/21.<br>Buyer Comment (2021-12-29): Please review the initial closing disclosure and the disclosure tracking summary. The initial CD was sent on 12/9 via XXX and presumed received on 12/13. | 12/30/2021 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | No Defined Cure<br> D<br> A<br> C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58208922 | 34975888 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,906.00 exceeds tolerance of $3,521.00. Insufficient or no cure was provided to the borrower. | There was an increase in the Discount point fee from the Loan Estimate to the Closing Disclosure. A change of circumstance was not provided to support the increase in fees. |  |  |  | Reviewer Comment (2021-12-30): XXX received CD & COC dated 12/09/2021.<br>Buyer Comment (2021-12-29): COC on 11/29/2021. Loan Amount 60% LTV<br>Reviewer Comment (2021-12-29): XXX does not received any lender cure on final CD dated 12/15 for the Loan discount fee increased. Also, file does not contain a valid COC for the LDP fee increased on CD dated 12/15 $3,906 from $3,521. Please provide valid COC with additional information for the fee increased or Cure is required in order to clear this exception. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check.<br>Buyer Comment (2021-12-29): Loan discount points of $3,906.00 cured at closing. | 12/30/2021 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> A<br> C | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 58208922 | 34975889 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | A secondary Valuation was needed since the UCDP Score was above 2.5. |  |  |  | Reviewer Comment (2022-01-04): Received CDA from XXX dated 12/XX/2021 with a value of $XXX at 0% value variance. Exception Cleared.<br>Buyer Comment (2022-01-03): Uploaded CDA | 01/04/2022 |  |  | 1<br> D<br> A |  | FL | Primary | Purchase | D<br> A<br> C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58208922 | 34975890 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Missing VVOE for previous employment. |  |  |  | Reviewer Comment (2022-01-04): Received post close dated VVOE for previous employer for complete two year history. Exception is cleared.<br>Buyer Comment (2022-01-04): Uploaded VVOE for Plaza Construction.<br>Reviewer Comment (2021-12-30): The VVOE needed is for XXX. The Work Number provided is for Certified Site Safety of NY.<br>Buyer Comment (2021-12-29): Uploaded VVOE | 01/04/2022 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | D<br> A<br> C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50219414 | 34975892 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing document for property address XXX, TX. |  |  |  | Reviewer Comment (2022-01-05): Cleared<br>Buyer Comment (2022-01-04): see HOI | 01/05/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53978704 | 34975900 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | The Loan Approval was not found in the file. |  |  |  | Reviewer Comment (2022-01-06): Received required documentation. Cleared.<br>Buyer Comment (2022-01-06): see approval | 01/06/2022 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53978704 | 34975901 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception to policy: Allow housing history documented with VOR's from private landlords as the borrower paid rent in cash of $2,000 per month from 11/XX/2019 through 7/XX/2021 to one landlord and then $2,000 per month rent from 7/XX/2021 through present day to another landlord at the same residence as the property switched ownership. Lender exception in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Comp factors used to waive exception. | XXX,Originator<br>XXX<br>XXX | Reviewer Comment (2021-12-28): Lender granted exception approval in loan file. |  |  | 12/28/2021 | 2<br> B |  | NJ | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53759522 | 34975905 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-743.00. | 0% tolerance exceeded by $743.00 with no cure provided, nor a valid change circumstance. |  |  |  | Reviewer Comment (2022-01-03): XXX received the interim LE, exception is cleared.<br>Buyer Comment (2022-01-02): I have uploaded the Lock In Confirmation, LE from 11-26 to match the Lock and 12-02 to match change in real estate taxes, 12-10 CD and COC(s) for changes for your review. | 01/03/2022 |  |  | 1<br> C<br> A |  | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 59695849 | 34975906 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | A VVOE was not found in the file. |  |  |  | Reviewer Comment (2022-01-12): VOE provided in trailing documents. Exception cleared.<br>Buyer Comment (2022-01-11): see borrower voe | 01/12/2022 |  |  | 1<br> C<br> A |  | IL | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59695849 | 34975909 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $555.00 exceeds tolerance of $495.00. Sufficient or excess cure was provided to the borrower at Closing. | 0% fee tolerance exceeded by $60.00 with sufficient cure provided. |  |  |  | Reviewer Comment (2021-12-29): Sufficient Cure Provided At Closing |  | 12/29/2021 |  | 1<br> A |  | IL | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 59695849 | 34975910 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | A VVOE was not found in the file. |  |  |  | Reviewer Comment (2022-01-12): VOE provided in trailing documents after the note date, which is allowed by guidelines. Exception cleared.<br>Buyer Comment (2022-01-11): see borrower voe | 01/12/2022 |  |  | 1<br> C<br> A |  | IL | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55334281 | 34975913 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $815.00 exceeds tolerance of $570.00. Insufficient or no cure was provided to the borrower. | Requirement for second appraisal was not initially disclosed to the Borrower. Statement from lender that second appraisal was required due to non-arms length transaction. No Change of Circumstance was provided. |  |  |  | Reviewer Comment (2022-01-04): XXX upon further review sufficient cure provided at closing.<br>Buyer Comment (2022-01-03): Exe CD with cure provided<br>Reviewer Comment (2021-12-29): A tolerance cure of $245 is reflected on page 2 of the Final Closing Disclosure. | 01/04/2022 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 55334281 | 34975914 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $570.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Requirement for second appraisal was not initially disclosed to the Borrower. Statement from lender that second appraisal was required due to non-arms length transaction. No Change of Circumstance was provided. |  |  |  | Reviewer Comment (2022-01-04): XXX upon further review received a valid COC dated 06/23 for Second Appraisal Fee added.<br>Buyer Comment (2022-01-03): COC for review | 01/04/2022 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 55334281 | 34975916 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: Compliance Report (XXX, ComplianceEase, etc.) not provided |  | A Compliance Report was not found in the file. |  |  |  | Reviewer Comment (2022-01-04): Received XXX - Exception is cleared.<br>Buyer Comment (2022-01-03): XXX for review | 01/04/2022 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55334281 | 34975917 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow no rental history due to the Borrower living rent free with his grandmother for the past year (since 8/2020) vs program restriction that borrowers without mortgage or rental housing history including borrowers living rent free are not eligible but will be considered on an exception basis. Lender approved exception provided. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years. |  | XXX<br>XXX | Reviewer Comment (2021-12-29): Comp factors used to waive exception. |  |  | 12/29/2021 | 2<br> B |  | TX | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55334281 | 34975918 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $815.00 exceeds tolerance of $570.00. Sufficient or excess cure was provided to the borrower at Closing. | XXX upon further review sufficient cure provided at closing. |  |  |  | Reviewer Comment (2022-01-04): Sufficient Cure Provided At Closing |  | 01/04/2022 |  | 1<br> A |  | TX | Primary | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 57306419 | 34975923 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan amount is $XXX at 80% LTV vs program maximum of $XXX to 80% LTV and $XXX to 75% LTV. Lender exception provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender granted exception approval in the loan file. | XXX<br>XXX<br>XXX<br>XXX,Originator | Reviewer Comment (2021-12-29): Comp factors used to waive exception. |  |  | 12/29/2021 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57306419 | 34975925 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | XXX bank statement one month provided. |  |  |  | Reviewer Comment (2022-01-04): account was just opened.<br>Buyer Comment (2022-01-03): Uploaded 2 months bank stmts. | 01/04/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57306419 | 34975926 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | - |  |  |  |  | Reviewer Comment (2022-01-04): Cleared<br>Buyer Comment (2022-01-03): XXX just recently purchased property. Appraisal reflects listing for sale in April and sold in October which was to our borrower | 01/04/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57306419 | 34975927 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property was purchased less than 1 month ago vs program requirement that at least one borrower must have been an owner of the subject property thorughout the 6 month period preceding the date of the loan. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Lender granted exception approval in the loan file. | XXX,Originator<br>XXX<br>XXX<br>XXX<br>XXX | Reviewer Comment (2022-01-05): comp factors used to waive exception |  |  | 01/05/2022 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51571311 | 34975928 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower living rent free is considered with compensating factors in place. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | LTV is 80%, 5% < program maximum of 85%<br> Credit score is 780, 100 points > program requirement of 680<br> No public records<br>LTV is 80%, 5% < program maximum of 85%<br> Credit score is 780, 100 points > program requirement of 680<br> No public records | XXX,Originator<br>Originator<br>XXX | Reviewer Comment (2021-12-29): LTV is 80%, 5% < program maximum of 85%<br> Credit score is 780, 100 points > program requirement of 680<br> No public records |  |  | 12/29/2021 | 2<br> B |  | FL | Second Home | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51571311 | 34975929 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Approval is missing. |  |  |  | Reviewer Comment (2022-01-06): Received required documentation. Cleared.<br>Buyer Comment (2022-01-06): Approval uploaded for your review. | 01/06/2022 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51571311 | 34975932 |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | CDA is missing. |  |  |  | Reviewer Comment (2022-01-10): Cleared<br>Reviewer Comment (2022-01-06): UCDP Document D0069 indicates that the Collateral Underwriter Risk Score is over the 2.5 with a CU Risk score given as 2.6, please provide the Desk Review as required. The document provided does not include an updated CU Risk score, Exception remains.<br>Buyer Comment (2022-01-06): The FHLMC LCA score is 1.0 CDA only required if score is greater than 2.5. | 01/10/2022 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51571311 | 34975934 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,175.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-2,350.00. | Lender Credits was last disclosed as -$1,285.00 on Final Closing Disclosure. Remaining to cure requires $1,175.00. |  |  |  | Reviewer Comment (2022-01-06): XXX received 11/16 VCC.<br>Buyer Comment (2022-01-06): This loan was locked on 11/17 with a lender credit of .125, or $1175. The lender credit never changed while the loan was locked. | 01/06/2022 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 51571311 | 34975935 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $755.00 exceeds tolerance of $645.00. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $755.00 on Final Closing Disclosure. Cure of $110.00 provided at closing. |  |  |  | Reviewer Comment (2022-01-06): A cure was provided on final CD.<br>Buyer Comment (2022-01-06): Cure for $110 is in lender credits on executed CD uploaded for your review. |  | 01/06/2022 |  | 2<br> C<br> B |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 51571311 | 34975936 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Final CD provided 12/XX/2021, Closing date 12/XX/2021. CD not provided three business days prior to closing. |  |  |  | Reviewer Comment (2022-01-10): XXX received 12/06 CD received the same day issued.<br>Buyer Comment (2022-01-10): The initial CD was sent and received by the borrower on 12/6. The only other CD was the one dated 12/15 for closing. 12/6 initial CD and tracking uploaded for your review.<br>Reviewer Comment (2022-01-06): No new documents provided for review, exception remains. | 01/10/2022 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase | No Defined Cure<br> C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51571311 | 34975937 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is self-employed as 100% owner since purchasing business in March 2020, with over 25 years in this line of work. Allow self employment of 20 months vs program requirement that each borrower used to qualify has been continuously self employed for two years. Comp factors used to waive exception. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | LTV is 80%, 5% < program maximum of 85%<br> Credit score is 780, 100 points > program requirement of 680<br> No public records<br>LTV is 80%, 5% < program maximum of 85%<br> Credit score is 780, 100 points > program requirement of 680<br> No public records | XXX,Originator<br>Originator<br>XXX |  |  |  | 12/29/2021 | 2<br> B |  | FL | Second Home | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51571311 | 34975938 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $755.00 exceeds tolerance of $645.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-01-06): Sufficient Cure Provided At Closing |  | 01/06/2022 |  | 1<br> A |  | FL | Second Home | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 57689582 | 34975940 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow no primary housing history due to Borrower living rent-free with his father for the past 2 years. Lender exception in file. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender granted exception approval in the loan file. | XXX<br>XXX,Originator<br>XXX<br>XXX<br>XXX | Reviewer Comment (2022-01-03): Comp factors used to waive exception. |  |  | 01/03/2022 | 2<br> B |  | FL | Primary | Purchase | B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57689582 | 34975944 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has two open revolving tradelines, one revolving account (active) rated 8 months and another revolving account rated 22 months and two closed tradelines including one revolving account rated 38 months and one installment rated 25 months and currently lives rent free bs program requirement of three tradelines that have a twelve-month history, of which two of the tradelines must have been active within the last twelve months. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender granted exception approval in the loan file. | XXX<br>XXX,Originator<br>XXX<br>XXX<br>XXX | Reviewer Comment (2022-01-03): Comp factors used to waive exception. |  |  | 01/03/2022 | 2<br> B |  | FL | Primary | Purchase | B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57689582 | 34975945 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor concentration is 80.21% vs program requirement that no more than 50% of the total units in the subject property may be renter-occupied. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender granted exception approval in the loan file. | XXX<br>XXX,Originator<br>XXX<br>XXX<br>XXX | Reviewer Comment (2022-01-03): Comp factors used to waive exception. |  |  | 01/03/2022 | 2<br> B |  | FL | Primary | Purchase | B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57106313 | 34975947 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure was provided on 12/XX/21 and closing date is 12/XX/21. |  |  |  | Reviewer Comment (2022-01-04): XXX received the initial CD, exception is cleared.<br>Buyer Comment (2022-01-04): Initial CD for review | 01/04/2022 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | No Defined Cure<br> C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57106313 | 34975949 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Approval is missing. |  |  |  | Reviewer Comment (2022-01-05): Received Approval document. Exception Cleared<br>Buyer Comment (2022-01-04): CTC for review | 01/05/2022 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57106313 | 34975951 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | HOA project is involved in litigation. |  | Project was in current litigation for water damage at time of closing per HOA documents. |  |  |  | Reviewer Comment (2022-01-05): Received Email confirmation from HOA confirming No active litigation. Exception Cleared<br>Buyer Comment (2022-01-04): HOA email confirming no litigation for review | 01/05/2022 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53933158 | 34975957 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,680.00 exceeds tolerance of $1,500.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-01-06): Sufficient Cure Provided At Closing |  | 01/06/2022 |  | 1<br> A |  | FL | Primary | Purchase | Final CD evidences Cure<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50960482 | 34975959 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Lender's Approval document not provided. |  |  |  | Reviewer Comment (2022-01-11): Received required documentation. Cleared.<br>Buyer Comment (2022-01-11): Approval uploaded for your review. | 01/11/2022 |  |  | 1<br> C<br> A |  | NV | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50960482 | 34975960 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $575.00 exceeds tolerance of $535.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $535 on LE but disclosed as $575 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-01-05): Sufficient Cure Provided At Closing |  | 01/05/2022 |  | 1<br> A |  | NV | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50960482 | 34975961 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reinspection Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-01-05): Sufficient Cure Provided At Closing |  | 01/05/2022 |  | 1<br> A |  | NV | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 59726424 | 34975969 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  | Buyer Comment (2022-01-05): business purpose, not required, ok to waive per XXX. |  |  | 01/05/2022 | 2<br> B |  | CA | Investment | Refinance - Cash-out - Other | D<br> B<br> C<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59726424 | 34975970 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qual Method differs from ATR result is Understated DTI | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not adhere with ATR payment calculation methods under 1026.43(c)(5), the method rendered a DTI less than that prescribed under ATR. | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not adhere with ATR payment calculation methods under 1026.43(c)(5), the method rendered a DTI less than that prescribed under ATR. |  |  |  | Reviewer Comment (2022-01-06): Cleared<br>Buyer Comment (2022-01-05): this is a business purpose loan and is not subject to ATR. | 01/06/2022 |  |  | 1<br> B<br> A |  | CA | Investment | Refinance - Cash-out - Other | D<br> B<br> C<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59726424 | 34975971 |  | Credit | 1003 | Missing Document | 1003 | Missing Lender's Initial 1003/Application. |  | An Initial 1003 was not provided for review. |  |  |  | Reviewer Comment (2022-01-13): Received required documentation. Cleared.<br>Buyer Comment (2022-01-12): lo signature page to the initial 1003<br>Reviewer Comment (2022-01-07): Received Initial 1003 , however it is not signed by LO or borrower, Exception remains.<br>Buyer Comment (2022-01-06): the application was added, see print date on footer of the application<br>Reviewer Comment (2022-01-06): Initial Application is needed to determine application date.<br>Buyer Comment (2022-01-05): see application, no disclosures are required on a business purpose loan so there isn't a need to establish a timeline<br>Reviewer Comment (2022-01-05): The initial application is required due to ATR requirements to verify the application date, and the timeline for required disclosures. Exception remains.<br>Buyer Comment (2022-01-05): initial application isn't required on A10 Business purpose loans. | 01/13/2022 |  |  | 1<br> C<br> A |  | CA | Investment | Refinance - Cash-out - Other | D<br> B<br> C<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59726424 | 34975972 |  | Compliance | Compliance | Federal Compliance | TRID Defect | Missing Closing Disclosure: No Document Used For Fee Testing | Missing Final Closing Disclosure. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | A Closing Disclosure was not found in the file. |  |  |  | Reviewer Comment (2022-01-05): Cleared<br>Buyer Comment (2022-01-05): see settlement statement | 01/05/2022 |  |  | 1<br> D<br> A |  | CA | Investment | Refinance - Cash-out - Other | D<br> B<br> C<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59726424 | 34975973 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2021 used as disbursement date for compliance testing. | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/23/2021 used as disbursement date for compliance testing. |  |  |  | Reviewer Comment (2022-01-05): Cleared<br>Buyer Comment (2022-01-05): see settlement statement | 01/05/2022 |  |  | 1<br> B<br> A |  | CA | Investment | Refinance - Cash-out - Other | D<br> B<br> C<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59726424 | 34975974 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property submitted as Non-QM / Exempt from ATR | Ability to Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to Ability to Repay requirements. | Cash out refinance and signed business purpose certificate in file - meets deal setting criteria to exclude from QM/ATR testing. |  |  |  | Reviewer Comment (2022-01-06): Waived<br>Buyer Comment (2022-01-05): this is a business purpose loan and submission is a Non-QM and exempt from ATR / is correct. Please provide more information. |  |  | 01/06/2022 | 2<br> B |  | CA | Investment | Refinance - Cash-out - Other | D<br> B<br> C<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59726424 | 34975975 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow an escrow waiver for the subject investment property with LTV of 68.793% vs program requirement that if the subject is an investment property and cash-out refinance, then the loan to value ratio must be 65.000% or less to permit an escrow waiver. Lender exception provided in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender granted exception approval in the loan file. | XXX<br>XXX<br>XXX<br>XXX<br>XXX,Originator | Reviewer Comment (2022-01-03): Comp factors used to waive exception. |  |  | 01/03/2022 | 2<br> B |  | CA | Investment | Refinance - Cash-out - Other | D<br> B<br> C<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59726424 | 34975976 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. |  |  |  |  | Reviewer Comment (2022-01-12): waived<br>Reviewer Comment (2022-01-12): Business purpose cert in file. Exempt from TILA/RESPAHUD/CD requirement. EV2 informational finding to indicate which document was used to source fees for testing<br>Reviewer Comment (2022-01-11): A stamp or signature is required for a HUD to be considered "Certified", this document is not stamped, Initialed, or signed by anyone. Exception remains.<br>Buyer Comment (2022-01-11): settlement statement - agent states this is the certified final and this was previously added. CA is a dry funding state-loan funded after closing, not on the same day.<br>Buyer Comment (2022-01-11): this is a CA funding - a dry state and loan funded after note date, on 12-28, no signatures required and the settlement agent provided the "Certified Final ALTA"<br>Buyer Comment (2022-01-11): see borrower signed final<br>Reviewer Comment (2022-01-10): The Settlement Statement provided is indicated as "Certified", but the document is not acknowledged by the Settlement Agent, which is required for certification.<br>Buyer Comment (2022-01-07): a signed final settlement statement isn't required in CA.<br>Reviewer Comment (2022-01-06): Settlement Statement provided is not acknowledged by the Settlement Agent<br>Buyer Comment (2022-01-06): see final settlement statement with disbursement of 12-28-2021<br>Buyer Comment (2022-01-05): \*\*\*disregard - Final Settlement statement is pending \*\*\*<br> settlement statement has been added to the file, disbursement date is 12-23-2021. Please see settlement statement.<br>Buyer Comment (2022-01-05): settlement statement has been added to the file, disbursement date is 12-23-2021. Please see settlement statement. |  |  | 01/12/2022 | 2<br> B |  | CA | Investment | Refinance - Cash-out - Other | D<br> B<br> C<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55220156 | 34975977 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is looking to purchase a beach front property (in a vacation destination and fully furnished) located within 40 miles of their current rurally located primary residence. Allow subject property occupancy as Second Home vs program requirement that second homes should generally be: in a vacation destination, in a city distant from the Borrowers (for example the city where the Borrowers grew up and where their extended family lives, or where their adult children live), or if the Borrowers live outside their city center, a pied-a-terre in their city center. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender granted exception approval in the loan file. | XXX<br>XXX<br>XXX<br>XXX,Originator<br>XXX<br>XXX | Reviewer Comment (2022-01-12): Comp factors used to waive exception. |  |  | 01/12/2022 | 2<br> B |  | FL | Second Home | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55220156 | 34975979 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Lender's Approval document not provided. |  |  |  | Reviewer Comment (2022-01-13): Approval provided<br>Buyer Comment (2022-01-13): CTC for review | 01/13/2022 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55220156 | 34975980 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 12/XX/2021 did not disclose Amount of Non-Escrowed Property Costs over Year 1 |  |  |  |  | Reviewer Comment (2022-01-13): Exception cleared on 1/13 PCCD.<br>Buyer Comment (2022-01-13): LOX for review<br>Buyer Comment (2022-01-13): PCCD for review | 01/13/2022 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 55220156 | 34975983 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $675.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-01-11): Sufficient Cure Provided At Closing |  | 01/11/2022 |  | 1<br> A |  | FL | Second Home | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 55220156 | 34975985 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is 100% commission (act as independent contractors un the XXX umbrella) based XXX Financial Advisor who does not receive regular paychecks , as per a letter from XXX Field Operation Manager: XXX provided a ledger showing borrower's name, company name, and YTD earnings through December 2, 2021 vs program requirement of the "Borrowers' most recent paystubs, which must show earnings for 30 successive calendar days and which must list year-to-date earnings | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender granted exception approval in the loan file. | XXX<br>XXX<br>XXX<br>XXX,Originator<br>XXX<br>XXX | Reviewer Comment (2022-01-12): Comp factors used to waive exception. |  |  | 01/12/2022 | 2<br> B |  | FL | Second Home | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55220156 | 34975986 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 12/XX/2021 did not disclose Amount of Non-Escrowed Property Costs over Year 1 | Cleared |  |  |  | Reviewer Comment (2022-01-13): Cleared on 1/13/2022 PCCD. | 01/13/2022 |  |  | 1<br> A |  | FL | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 57796277 | 34975988 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception to policy: The borrower and her husband have 50/50 ownership in a XXX since 2003. Borrower is the one that has operated the business; husband is a XXX. They are getting a divorce which will finalize within a month. Per the decree, in exchange for giving up rights to the husband's pension, borrower will get 100% ownership of the business and all business assets. Allow use of 100% deposits into business account to be used for income qualification purposes vs. program guideline that borrower's income from self-employment is based upon the % of the business owned by the borrower. Lender granted exception in file. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years. |  | XXX<br>XXX<br>XXX | Reviewer Comment (2022-01-06): Lender exception approval granted in loan file. |  |  | 01/06/2022 | 2<br> B |  | OH | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57796277 | 34975989 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 5.29050% or Final Disclosure APR of XX.XX% is in excess of allowable threshold of APOR XX.XX% + XX.XX%, or XX.XX%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2022-01-19): HPML Compliant.<br>Buyer Comment (2022-01-18): Please provide more information about why this is considered improper so our compliance department can review it.<br>Reviewer Comment (2022-01-14): Flipped Property - Creditor improperly charged consumer for two (2) appraisals.<br>Buyer Comment (2022-01-13): Please let us know why the loan is considered non-compliant when it has escrows and a second appraisal which are the requirements for a HPML loan with those thresholds.<br>Reviewer Comment (2022-01-11): The Final APR of XX.XX% is exceeding the tolerance of 4.64%.<br>Buyer Comment (2022-01-10): Please provide the reason why this loan is non-compliant. It is a HPML loan that meets the two regulatory requirements under Section 35 namely, an escrow account has been established for taxes and insurance, and a second appraisal was obtained. | 01/19/2022 |  |  | 1<br> C<br> A |  | OH | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57796277 | 34975990 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Borrower Charged for 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor improperly charged consumer for two (2) appraisals. |  |  |  |  | Reviewer Comment (2022-01-19): Cure for second appraisal provided at closing. Exception cleared.<br>Buyer Comment (2022-01-18): Please provide more information about why this is considered improper so our compliance department can review it.<br>Reviewer Comment (2022-01-14): Flipped Property - Creditor improperly charged consumer for two (2) appraisals.<br>Buyer Comment (2022-01-13): Please let is know why the loan is considered non-compliant when it has escrows and a second appraisal which are the requirements for a HPML loan with those thresholds. | 01/19/2022 |  |  | 1<br> C<br> A |  | OH | Primary | Purchase | Provide evidence of the refund of the amount charged to the consumer for the second appraisal performed on the subject property. (Include a copy of the Refund Check, Proof of Delivery, and Cover Letter)<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 57796277 | 34975992 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $555.00 exceeds tolerance of $495.00. Insufficient or no cure was provided to the borrower. | Tolerance exceeded with no cure. |  |  |  | Reviewer Comment (2022-01-20): XXX received PCCD, LOE, Proof of delivery & refund check.<br>Buyer Comment (2022-01-19): Uploaded PCCD refund for appraisal<br>Reviewer Comment (2022-01-14): "XXX: Cure provided at closing is insufficient to cure for all the citing (additional exception) exception. Exception remains.<br>Buyer Comment (2022-01-13): For the $555.00 second appraisal, provided the executed CD . A lender credit of $555 was issued at closing to cure the closing costs above the legal limit.<br>Reviewer Comment (2022-01-11): XXX upon further review the appraisal fee was increased from $495 to $555 on 12/09 CD we require valid COC for the same to specify the reason for increase. Please provide COC or cure documents for the same.<br>Buyer Comment (2022-01-10): The initial and second appraisal fee of $555.00 was disclosed to the borrower at closing. The borrower signed the final closing disclosure on 12/27/2021. |  | 01/20/2022 |  | 2<br> C<br> B |  | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 57796277 | 34975994 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-01-11): Received required documentation. Cleared.<br>Buyer Comment (2022-01-10): Uploaded final loan approval | 01/11/2022 |  |  | 1<br> C<br> A |  | OH | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57796277 | 34975996 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  |  |  |  |  | Reviewer Comment (2022-01-19): Documentation received. Exception cleared. 1/19/2022.<br>Buyer Comment (2022-01-18): Uploaded bank statement showing XXX for $1000.00 cleared on 11/XX/2021<br>Buyer Comment (2022-01-18): Uploaded XXX receipt letter.<br>Reviewer Comment (2022-01-13): The file contains copy of XXX however Not the corresponding Bank Statement reflecting the check has cleared (XXX # XXX<br>Buyer Comment (2022-01-13): Please specify which source of funds is needed?<br>Reviewer Comment (2022-01-11): Documents provided were already in file, please provide the Bank Statement for the source of funds.<br>Buyer Comment (2022-01-10): Uploaded source of funds for XXX. | 01/19/2022 |  |  | 1<br> C<br> A |  | OH | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59226111 | 34975999 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Lender's Approval document not provided. |  |  |  | Reviewer Comment (2022-01-19): Received approval document , Exception cleared.<br>Buyer Comment (2022-01-18): Uploaded Loan Approval<br>Buyer Comment (2022-01-18): Loan Approval | 01/19/2022 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58720705 | 34976005 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | A Mortgage Statement for XXX was not found in the file, |  |  |  | Reviewer Comment (2022-01-28): Cleared<br>Buyer Comment (2022-01-27): Uploaded the CBR that reflects the prior mortgage payment history on page 4 XXX which was paid off in a refinance on 9/XX/2021 by XXX and uploaded the payment history for XXX reflecting these payments for the REO property. Please clear.<br>Buyer Comment (2022-01-27): XXX Payment History<br>Buyer Comment (2022-01-27): CBR<br>Reviewer Comment (2022-01-11): Payment history not provided. Condition remains open.<br>Buyer Comment (2022-01-11): Uploaded payment history for XXX REO Property reflecting payments received per the payment coupons from the borrower uploaded. XXX Mortgage does not provide statements however uses the payment coupons uploaded as we only interim service the loans for a few payments. Please clear.<br>Buyer Comment (2022-01-11): Payment History<br>Reviewer Comment (2022-01-10): Statement for property located at XXX, is still not in file. Please provide Document # once uploaded. Thank you<br>Buyer Comment (2022-01-10): Uploaded XXX Mortage Statement for REO Property at XXX.<br>Buyer Comment (2022-01-10): XXX Mortgage Statement | 01/28/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54622063 | 34976007 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | $XXX dwelling coverage < $XXX loan amount. Provide the Replacement Cost Estimator or additional coverage. |  |  |  | Reviewer Comment (2022-01-21): Cleared<br>Buyer Comment (2022-01-21): Uploaded Replacement Cost estimate (RCE) Please clear<br>Buyer Comment (2022-01-21): Replacement Cost Estimate. RCE<br>Reviewer Comment (2022-01-04): HOI Dec Page reflects up to policy limit of $410,000.00 which is less than loan amount or Estimated Cost New per Appraisal.<br>Buyer Comment (2022-01-03): Uploaded HOI Insurance Dec page reflects 100% Replacement Cost Coverage.<br>Buyer Comment (2022-01-03): HOI Insurance Dec page reflects 100% Replacement Cost Coverage. | 01/21/2022 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54622063 | 34976009 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-01-04): Cleared<br>Buyer Comment (2022-01-03): Uploaded Loan Approval<br>Buyer Comment (2022-01-03): Loan Approval | 01/04/2022 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54622063 | 34976010 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $510.00 exceeds tolerance of $499.00. Sufficient or excess cure was provided to the borrower at Closing. | Final Closing Disclosure discloses Lender's $11.00 cure credit for tolerance |  |  |  | Reviewer Comment (2021-12-13): Sufficient Cure Provided At Closing |  | 12/13/2021 |  | 1<br> A |  | NJ | Primary | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 54622063 | 34976011 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after 12/XX/2021 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation |  |  |  |  | Reviewer Comment (2022-01-12): XXX received 11/22 CD.<br>Buyer Comment (2022-01-11): Revised CD<br>Reviewer Comment (2022-01-11): Please provide a complete copy of the 11/XX/2021 interim CD as it has not been provided for review. This issue remains open.<br>Buyer Comment (2022-01-11): Please see the CD dated 11.22 with APR XX.XX%<br>Reviewer Comment (2022-01-11): Initial CD dated 11-03-21 reflected APR of XX.XX% the subsequent Final CD dated 12-1-21 signed on closing 12-2-21 reflected APR of XX.XX%. This is a change in APR of XX.XX% which does exceed the tolerance of XX.XX%. Must provide proof increased APR was disclosed and borrower received disclosure within 3 business days of closing.<br>Buyer Comment (2022-01-10): The APR did not increase XX.XX%, therefore the 3 business day rule doesn't apply. | 01/12/2022 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase | TRID timing exception, no remediation available.<br> C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54622063 | 34976013 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 12/XX/2021). | Disclosed Finance Charge Amount $XXX but calculated Finance Charge Amount $XXX. Variance -$225.00. $250.00 Title Insurance paid by Borrower at closing, disclosed in Section H was not included in fee test |  |  |  | Reviewer Comment (2022-01-12): Upon further review the finance charge was disclosed within threshold.<br>Buyer Comment (2022-01-11): That $250 on the CD in section H is the borrower attorneys fee - Please note the payee name - XXX - This fee would not be included in the Finance.<br>Reviewer Comment (2022-01-11): Please provide a corrective PCCD with all fees in their proper sections for calculations to be run. Review is limited with calculating from "what if" scenarios. Findings will then be made and amount for cures surfaced. This issue remains open.<br>Buyer Comment (2022-01-11): Please verify amount to cure ? | 01/12/2022 |  |  | 1<br> C<br> A |  | NJ | 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)<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 54622063 | 34976014 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing recent 12 months consecutive rent checks verifying Borrower's housing history (XXX @ $2,500.00 per month rent) verifying A10 - XXX Statement program maximum 0 x 30 x 12 with 0 x 30 in the last 6 months from Note date. Borrowers without mortgage or rental housing history including borrowers living rent free are not eligible but will be considered on an exception basis. |  |  |  | Reviewer Comment (2022-01-31): Cleared<br>Buyer Comment (2022-01-31): Uploaded November Rent payment<br>Buyer Comment (2022-01-31): November rent payment<br>Reviewer Comment (2022-01-12): we are still missing the November payment<br>Buyer Comment (2022-01-12): The October rent payment was made on 9/30. See attached statement showing 3050 withdrawl for rent on 9/30/21<br>Reviewer Comment (2022-01-11): Received Bank statement with rent amount $3,000.00 as per given lease document , however latest 2 months (10/2021 ,11/2021) still missing to complete latest 12 months rent history , Exception remains.<br>Buyer Comment (2022-01-10): Bank Statements Reflecting Rent Payments<br>Buyer Comment (2022-01-10): Uploaded LOE for Rent paymnents and Bank Statements<br>Buyer Comment (2022-01-10): LOE for rent<br>Reviewer Comment (2022-01-04): Correction to exception. Exception is for verification for current primary rental. Missing evidence of rent payments in the amount of $2,500.00.<br>Buyer Comment (2022-01-03): Cancelled checks for Verification of Rent ofborrowers place of employment XXX XXX New York is not required. | 01/31/2022 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54622063 | 34976015 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | 52.39% > 50% A10 - XXX program. Lender's 46.07% DTI does not include $554.00 XXX (Timeshare) payment. Proof of payoff and source of payoff if applicable is not documented. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Comp factors used to waive exception | XXX,Originator<br>XXX<br>XXX<br>XXX<br>XXX | Reviewer Comment (2022-01-21): Comp factors used to waive exception<br>Buyer Comment (2022-01-21): Uploaded DTI Exception<br>Buyer Comment (2022-01-21): Exception |  |  | 01/21/2022 | 2<br> C<br> B |  | NJ | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54622063 | 34976016 |  | 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. | DTI |  |  |  | Reviewer Comment (2022-01-21): Cleared | 01/21/2022 |  |  | 1<br> B<br> A<br> C |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 54622063 | 34976017 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI |  |  |  | Reviewer Comment (2022-01-21): Cleared | 01/21/2022 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54622063 | 34976018 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 52.38789% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | 52.39% > 50% A10 - XXX program. Lender's 46.07% DTI does not include $554.00 XXX (Timeshare) payment. Proof of payoff and source of payoff if applicable is not documented | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Comp factors used to waive exception | XXX,Originator<br>XXX<br>XXX<br>XXX<br>XXX | Reviewer Comment (2022-01-21): comp factor used to waive exception<br>Buyer Comment (2022-01-21): Uploaded exception<br>Buyer Comment (2022-01-21): Exception |  |  | 01/21/2022 | 2<br> C<br> B |  | NJ | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59503754 | 34976021 |  | Credit | Loan Package Documentation | Loan File | Loan Package Documentation | The file contains inconsistent or conflicting information. The documentation and issue in question is/are as follows: |  | The City of the property is XXX on several of the loan documents including the Note, Appraisal, and application. However the correct City should have been XXX. |  |  |  | Reviewer Comment (2022-01-28): Address issues were addressed previously. Exception is cleared.<br>Buyer Comment (2022-01-28): This has been cleared in other exceptions. Olease clear | 01/28/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59503754 | 34976025 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan (2013): Mandatory escrow account not established on 1st lien mortgage loan. | Taxes were escrowed and HOI was not. |  |  |  | Reviewer Comment (2022-01-31): HOI covered through blanket policy. Taxes are escrowed. Exception cleared.<br>Buyer Comment (2022-01-28): Uploaded the 1008 which reflects there is no Home Owners insurance paid by the borrower. Per the policy in file this is covered by a master condo policy. Therefore escrows for HOI are not required Please clear exception.<br>Buyer Comment (2022-01-28): 1008<br>Reviewer Comment (2022-01-28): Section 1026.35(b)(1) requires creditors to establish an escrow account for payment of property taxes and premiums for mortgage-related insurance required by the creditor before the consummation of a higher-priced mortgage loan secured by a first lien on a principal dwelling. Exception Remains<br>Buyer Comment (2022-01-28): The property is a condominium and therefore insurance would be covered by a master insurance policy. Establishment of escrows for HOI is not required when the property is covered by a master insurance policy. The policy shows the insured is the entire complex.<br>Buyer Comment (2022-01-28): Uploaded the XXX. Per page 13 reflects a Pass on Escrow of Property Taxes. Establishing a escrow for HomeOwners insurance is not mandatory for a J10 Non-Qm loan..<br>Buyer Comment (2022-01-28): XXX<br>Reviewer Comment (2022-01-05): The initial comment is wrong it is for the HOI, not HOA.<br>Buyer Comment (2022-01-04): HOA is not required to be escrowed. Please clear. | 01/31/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | If escrow was established before consummation for one impound item but not the other (e.g. taxes but not insurance), cure available by escrowing item that was not previously included. Proof of new escrow setup required.<br> If no escrow account was established at or before consummation, no cure available.<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 59503754 | 34976026 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 5.20090% or Final Disclosure APR of XX.XX% is in excess of allowable threshold of APOR XX.XX% + XX.XX%, or XX.XX%. Non-Compliant Higher Priced Mortgage Loan. | XXX indicated the loan is HPML. |  |  |  | Reviewer Comment (2022-01-31): HPML Compliant.<br>Reviewer Comment (2022-01-28): Section 1026.35(b)(1) requires creditors to establish an escrow account for payment of property taxes and premiums for mortgage-related insurance required by the creditor before the consummation of a higher-priced mortgage loan secured by a first lien on a principal dwelling. Exception Remains<br>Buyer Comment (2022-01-28): XXX may have alerts in J10 non-qm products. , The difference between APR and APOR for first-lien mortgages may exceed 1.5 percentage points, but it is limited to 2.25 percentage points under the revised final rule.<br>Buyer Comment (2022-01-27): The difference between APR and APOR for first-lien mortgages may exceed 1.5 percentage points, but it is limited to 2.25 percentage points under the revised final rule. Please clear.<br>Reviewer Comment (2022-01-05): The loan is coming back as HPML, this is not due to the XXX.<br>Buyer Comment (2022-01-04): Uploaded XXX. Per page 13 Higher Prriced FED Review ia an Alert and not a Fail therefore please clear.<br>Buyer Comment (2022-01-04): XXX | 01/31/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59503754 | 34976027 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Verification of employment was not provided for prior employment. |  |  |  | Reviewer Comment (2022-01-05): Cleared<br>Buyer Comment (2022-01-04): Uploaded the VVOE. Per bthe XXX Underwriting guidelines section 6.1 Lenders must perform and document a verbal verification of employment for each borrower. For all borrowers who are not Self-Employed no more than 10 business days prior to the note date or anytime thereafter. A written VOE is not required. The borrower provided current paystubs and 2 years W2's Please clear.<br>Buyer Comment (2022-01-04): VVOE | 01/05/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59503754 | 34976028 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Verification of employment was not provided for prior employment. |  |  |  | Reviewer Comment (2022-01-05): Not required. Employment was greater than 2 years ago. Exception cleared<br>Buyer Comment (2022-01-04): Uploaded the VVOE. Per bthe XXX Underwriting guidelines section 6.1 Lenders must perform and document a verbal verification of employment for each borrower. For all borrowers who are not Self-Employed no more than 10 business days prior to the note date or anytime thereafter. A prior VOE is not required. The borrower provided current paystubs and 2 years W2's Please clear.<br>Buyer Comment (2022-01-04): VVOE | 01/05/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59503754 | 34976029 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Verification of employment was not provided for prior employment. |  |  |  | Reviewer Comment (2022-01-05): employment 2+ years in the past. VVOE not required<br>Buyer Comment (2022-01-04): Uploaded the VVOE. Per bthe XXX Underwriting guidelines section 6.1 Lenders must perform and document a verbal verification of employment for each borrower. For all borrowers who are not Self-Employed no more than 10 business days prior to the note date or anytime thereafter. A prior VOE is not required. The borrower provided current paystubs and 2 years W2's Please clear.<br>Buyer Comment (2022-01-04): VVOE | 01/05/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59503754 | 34976030 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. | - | Less than 2 years history provided. Borrower graduated college on, 5/XX/2020. Course transcripts provided; however, previous employment VVOE were not provided in the loan file. |  |  |  | Reviewer Comment (2022-01-05): employment 2+ years in the past. VVOE not required<br>Buyer Comment (2022-01-04): Uploaded W2's for two year emp-loyment history. Prior VOE is not required for this loan program therefore please clear.<br>Buyer Comment (2022-01-04): W2s | 01/05/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59503754 | 34976031 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | XXX was reported compared to XXX, both with zip code XXX. |  |  |  | Reviewer Comment (2022-01-25): Both the addresses are same as per google search , Exception cleared.<br>Buyer Comment (2022-01-24): XXX is a neighborhood in XXX, California and located in XXX. This is one in the same Please clear.<br>Reviewer Comment (2022-01-05): All documents need to match address on the note. Exception remains.<br>Buyer Comment (2022-01-04): XXX is a neighborhood area within XXX CA, therefore is acceptable and please clear | 01/25/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59503754 | 34976032 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | XXX was reported compared to XXX, both with zip code XXX. |  |  |  | Reviewer Comment (2022-01-25): Both the addresses are same as per google search , Exception cleared.<br>Buyer Comment (2022-01-24): XXX is a neighborhood in XXX, California and located in XXX. This is one in the same Please clear.<br>Reviewer Comment (2022-01-05): XXX lookup reflects XXX as acceptable city however Note and Mortgage reflect XXX.<br>Buyer Comment (2022-01-04): Uploaded Flood Cert, Address does match however Flood Certs are determined by an address in paticuliar zone, therefore this document is acceptable. please clear<br>Buyer Comment (2022-01-04): Flood Cert | 01/25/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59503754 | 34976033 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | XXX was reported compared to XXX, both with zip code XXX. |  |  |  | Reviewer Comment (2022-01-25): Both the addresses are same as per google search , Exception cleared.<br>Buyer Comment (2022-01-24): XXX is a neighborhood in XXX, California and located in XXX. This is one in the same Please clear.<br>Reviewer Comment (2022-01-05): XXX lookup reflects XXX as acceptable city however Note and Mortgage reflect XXX.<br>Buyer Comment (2022-01-04): XXX Ca is a neighborhood in XXX, therefor is acceptable. Please clear | 01/25/2022 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55700883 | 34976035 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-02-09): Received required documentation. Cleared.<br>Buyer Comment (2022-02-09): see approval | 02/09/2022 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> A<br> B | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55700883 | 34976036 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Missing XXX |  |  |  | Reviewer Comment (2022-02-09): Received required documentation. Cleared.<br>Buyer Comment (2022-02-09): see XXX | 02/09/2022 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> A<br> B | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55700883 | 34976037 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $750 on LE but disclosed as $1,000 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-02-04): Sufficient Cure Provided At Closing |  | 02/04/2022 |  | 1<br> A |  | FL | Primary | Purchase | Final CD evidences Cure<br> C<br> A<br> B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 55700883 | 34976041 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - |  |  |  |  | Reviewer Comment (2022-02-11): Received Escrow Analysis form verifying taxes/ins included in mortgage payment for XXX and LOE from borrower indicating no insurance on XXX since home is pending renovation and permit approval and home is currently a concrete block shell that has been fully gutted and insurance won't be obtained until permit approved and renovations begin. Exception cleared.<br>Buyer Comment (2022-02-10): See Escrow Statement for XXX property reflecting tax/insurance is included in payment; See LOE for XXX property reflecting it is free and clear and the borrower does not carry insurance<br>Buyer Comment (2022-02-10): - | 02/11/2022 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> A<br> B | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55700883 | 34976042 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Missing evidence of appraisal receipt by the borrower. |  |  |  | Reviewer Comment (2022-02-11): All appraisal requirements have been met. Exception cleared.<br>Buyer Comment (2022-02-10): All findings have been addressed - please clear | 02/11/2022 |  |  | 1<br> B<br> A |  | FL | Primary | Purchase | C<br> A<br> B | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53094725 | 34976044 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Missing XXX |  |  |  | Reviewer Comment (2022-02-10): XXX AUS provided. Exception cleared<br>Buyer Comment (2022-02-09): Uploaded AUS | 02/10/2022 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Cash-out - Other | D<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53094725 | 34976045 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  | Reviewer Comment (2022-02-10): Cleared<br>Buyer Comment (2022-02-09): Uploaded appraisal and CDA | 02/10/2022 |  |  | 1<br> D<br> A |  | FL | Primary | Refinance - Cash-out - Other | D<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53094725 | 34976046 |  | 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. |  | Missing Appraisal |  |  |  | Reviewer Comment (2022-02-10): Cleared<br>Buyer Comment (2022-02-09): Uploaded flood policy | 02/10/2022 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Cash-out - Other | D<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53094725 | 34976048 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing.; Sec ID: 1 |  | Missing Appraisal. Desk Review is in file. |  |  |  | Reviewer Comment (2022-02-10): Cleared<br>Buyer Comment (2022-02-09): Uploaded appraisal and CDA | 02/10/2022 |  |  | 1<br> D<br> A |  | FL | Primary | Refinance - Cash-out - Other | D<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53094725 | 34976049 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing veriification of $353.09 monthly maintenance amount disclosed on Final 1003 associated with XXX, FL, over and above documented $713.99 PITI payment amount per mortgage statement and credit reporting. |  |  |  | Reviewer Comment (2022-02-10): HOA documentation provided. Exception cleared.<br>Buyer Comment (2022-02-09): Attached is the hoa receipt | 02/10/2022 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Cash-out - Other | D<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53094725 | 34976050 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | $410,811.00 dwelling coverage is $629,189.00 less than $1,040,000.00 original loan amount. Estimated cost tpo rebuild is not documented in file due to missing Appraisal Report. Replacement Cost Estimated used by insurance provider is not in file for review. |  |  |  | Reviewer Comment (2022-02-15): Cleared<br>Buyer Comment (2022-02-14): The replacement cost was calculated to be $XXX and we cannot provide the replacement cost estimator due to a new Florida Statute that prevents agents from sending them out to Clients or Mortgage companies. | 02/15/2022 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Cash-out - Other | D<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53094725 | 34976051 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject transaction is a cash out refinance. The UCDP reports are missing from the loan file. If the LCA/CU score is 3.0 or higher, approval from XXX's appraisal review department is required. |  |  |  | Reviewer Comment (2022-02-10): Appraisal approval provided. Exception cleared<br>Buyer Comment (2022-02-09): Uploaded appraisal approval | 02/10/2022 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Cash-out - Other | D<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56407701 | 34976053 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  | Flood Insurance is missing. |  |  |  | Reviewer Comment (2022-02-24): Received updated policy to match RCE value, doc associated. Exception Cleared<br>Buyer Comment (2022-02-23): Updated Flood Insurance to match RCE coverage.<br>Reviewer Comment (2022-02-07): Received revised Flood Policy with increased coverage of $155,000 however, coverage is still insufficient.<br>Buyer Comment (2022-02-04): Please see attached<br>Reviewer Comment (2022-01-24): Received flood policy however coverage is insufficient. Exception remains.<br>Buyer Comment (2022-01-21): Please see attached<br>Reviewer Comment (2022-01-11): No new Flood Insurance documents provided for review, exception remains.<br>Reviewer Comment (2021-12-29): Address on Flood Policy do not match with Flood Cert & Note. Missing "89" & City read "XXX" in address. (Correct Address :- XXX AZ XXX) Exception Remains.<br>Buyer Comment (2021-12-27): Please see attached Flood Certificate | 02/24/2022 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56407701 | 34976054 |  | Credit | Insurance | Insurance Documentation | Insurance | Flood Insurance Error: Insurance premium was not provided. |  | Flood Insurance is missing. |  |  |  | Reviewer Comment (2022-01-24): Flood premium provided. Cleared.<br>Buyer Comment (2022-01-21): Please see attached, the policy has been revised to the correct numerical digit (adding the 89) but this is the receipt and premium | 01/24/2022 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56407701 | 34976056 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Approval is missing. |  |  |  | Reviewer Comment (2022-01-10): Document provided<br>Buyer Comment (2022-01-10): 1008 attached that verifies matching final approval<br>Reviewer Comment (2021-12-29): DTI & Borrower's income on Approval document do not match with 1008. Exception Remains.<br>Buyer Comment (2021-12-27): Please see attached Approval | 01/10/2022 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56407701 | 34976058 |  | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided |  | Cancelled Check is missing. Evidence of Earnest Money Deposit for $1,990.00 is not on file. |  |  |  | Reviewer Comment (2022-01-04): Documentation received. Exception cleared. 1/4/2022.<br>Buyer Comment (2022-01-03): Please see rebuttal and Evidence of wire | 01/04/2022 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56407701 | 34976059 |  | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided |  | Cancelled Check is missing. Evidence of Earnest Money Deposit for $11,000.00 is not on file. |  |  |  | Reviewer Comment (2022-01-04): Documentation received. Exception cleared. 1/4/2022.<br>Buyer Comment (2022-01-03): Please see purchase contract $11,000 EMD was sent to borrowers through XXX | 01/04/2022 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56407701 | 34976060 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Agreement or covenant for maintenance of the street is required per program requirement. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years. | The qualifying DTI on the loan is 26.893% less than the guideline maximum. | XXX,Originator<br>XXX | Reviewer Comment (2022-01-20): Lender exception with comp factors<br>Reviewer Comment (2022-01-20): Exception cleared in error.<br>Reviewer Comment (2022-01-20): Cleared. E mail from title company reflects there is no maintenance agreement as property access is US Highway.<br>Buyer Comment (2022-01-19): Please see attached email per the Title company<br>Reviewer Comment (2022-01-11): The attached "Reservation of Easement" does not contain language which includes an "Agreement or Covenant for Maintenance of the road/street" as required, this only covers egress. Exception remains.<br>Buyer Comment (2022-01-10): Please see attached Title and egress. |  |  | 01/20/2022 | 2<br> C<br> B |  | AZ | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56407701 | 34976061 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.31240% or Final Disclosure APR of XX.XX% is in excess of allowable threshold of APOR XX.XX% + XX.XX%, or XX.XX%. Compliant Higher Priced Mortgage Loan. | The Federal Higher-Priced Mortgage Loan threshold is 4.6%. The APR on the loan states 6.34400% which is above the allowable maximum. There is a calculated difference of 1.65240%. |  |  |  | Reviewer Comment (2022-01-04): Exception changed, see new exception added 1/4/2022. | 01/04/2022 |  |  | 1<br> A |  | AZ | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56407701 | 34976062 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Reviewer Comment (2022-01-04): Exception changed, see new exception added 1/4/2022.<br>Buyer Comment (2022-01-03): Please see attached page 14 of the appraisal, appraisal date is 11/XX/2021 | 01/04/2022 |  |  | 1<br> B<br> A |  | AZ | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56407701 | 34976064 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $775.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2021-12-20): Sufficient Cure Provided At Closing |  | 12/20/2021 |  | 1<br> A |  | AZ | Primary | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 56407701 | 34976065 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Ability to Repay is failing due to Canceled check missing for Earnest Money Deposit. |  |  |  | Reviewer Comment (2022-01-04): Documentation received. Exception cleared. 1/4/2021. | 01/04/2022 |  |  | 1<br> B<br> A<br> C |  | AZ | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 56407701 | 34976066 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. | Ability to Repay is failing due to Canceled check missing for Earnest Money Deposit. |  |  |  | Reviewer Comment (2022-01-04): Documentation received. Exception cleared. 1/4/2021. | 01/04/2022 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56407701 | 34976067 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. | Ability to Repay is failing due to Canceled check missing for Earnest Money Deposit. |  |  |  | Reviewer Comment (2022-01-04): Documentation received. Exception cleared. 1/4/2021. | 01/04/2022 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56407701 | 34976068 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Ability to Repay is failing due to Canceled check missing for Earnest Money Deposit. |  |  |  | Reviewer Comment (2022-01-04): Documentation received. Exception cleared. 1/4/2021. | 01/04/2022 |  |  | 1<br> A |  | AZ | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56407701 | 34976069 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  |  |  | Reviewer Comment (2022-01-04): Documentation received. Exception cleared. 1/4/2021.<br>Buyer Comment (2022-01-03): Please see attached<br>Reviewer Comment (2021-12-29): This is the disclosure that was already in the loan file. The issue is related to the document being provided to the borrower at closing and not prior to closing. The flood certificate was dated 10/28/2021 and the disclosure not provided until 12/10/2021.<br>Buyer Comment (2021-12-27): Please see attached disclosure | 01/04/2022 |  |  | 1<br> B<br> A |  | AZ | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56407701 | 34976071 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No evidence in the file that the borrower received a copy of the appraisal. |  |  |  | Reviewer Comment (2022-01-11): Received required documentation. Cleared.<br>Buyer Comment (2022-01-10): Appraisal delivery | 01/11/2022 |  |  | 1<br> A |  | AZ | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56407701 | 34976072 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.31240% or Final Disclosure APR of XX.XX% is in excess of allowable threshold of APOR XX.XX% + XX.XX%, or XX.XX%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2022-01-11): Received required documentation. Cleared.<br>Buyer Comment (2022-01-10): XXX does High cost loans. Please see XXX. This is an alert not a fail. Non QM loan. | 01/11/2022 |  |  | 1<br> A |  | AZ | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56407701 | 34976073 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No evidence in the file that the borrower received a copy of the appraisal. |  |  |  | Reviewer Comment (2022-01-11): Received required documentation. Cleared.<br>Buyer Comment (2022-01-10): appraisal delivery | 01/11/2022 |  |  | 1<br> A |  | AZ | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53431787 | 34976076 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Loan amount on page 3 of the final HUD was not provided. |  | Settlement statement was used. |  |  |  | Reviewer Comment (2021-12-06): Exception cleared. 12/6/2021.<br>Buyer Comment (2021-12-02): See final settlement statement - this is an investment loan CD is not required | 12/06/2021 |  |  | 1<br> B<br> A |  | FL | Investment | Purchase | D<br> B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53431787 | 34976077 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Loan term on page 3 of the final HUD was not provided. |  | No HUD-1 in file settlement statement was used. |  |  |  | Reviewer Comment (2021-12-06): Exception cleared. 12/6/2021.<br>Buyer Comment (2021-12-02): See final settlement statement - this is an investment loan CD is not required- doc provided in related finding | 12/06/2021 |  |  | 1<br> B<br> A |  | FL | Investment | Purchase | D<br> B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53431787 | 34976078 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Principal, interest and MI payment on page 3 of the final HUD was not provided. |  | Settlement statement was used. |  |  |  | Reviewer Comment (2021-12-06): Exception cleared. 12/6/2021.<br>Buyer Comment (2021-12-02): See final settlement statement - this is an investment loan CD is not required- doc provided in related finding | 12/06/2021 |  |  | 1<br> B<br> A |  | FL | Investment | Purchase | D<br> B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53431787 | 34976079 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Interest rate on page 3 of the final HUD was not provided. |  | Settlement statement was used. |  |  |  | Reviewer Comment (2021-12-06): Exception cleared. 12/6/2021.<br>Buyer Comment (2021-12-02): See final settlement statement - this is an investment loan CD is not required- doc provided in related finding | 12/06/2021 |  |  | 1<br> B<br> A |  | FL | Investment | Purchase | D<br> B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53431787 | 34976080 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Can your interest rate rise question on page 3 of the final HUD was not provided. |  | Settlement statement was used. |  |  |  | Reviewer Comment (2021-12-06): Exception cleared. 12/6/2021.<br>Buyer Comment (2021-12-02): See final settlement statement - this is an investment loan CD is not required- doc provided in related finding | 12/06/2021 |  |  | 1<br> B<br> A |  | FL | Investment | Purchase | D<br> B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53431787 | 34976081 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Can your loan balance rise question on page 3 of the final HUD was not provided. |  | Settlement statement was used. |  |  |  | Reviewer Comment (2021-12-06): Exception cleared. 12/6/2021.<br>Buyer Comment (2021-12-02): See final settlement statement - this is an investment loan CD is not required- doc provided in related finding | 12/06/2021 |  |  | 1<br> B<br> A |  | FL | Investment | Purchase | D<br> B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53431787 | 34976082 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Can your monthly payment amount owed rise question on page 3 of the final HUD was not provided. |  | Settlement statement was used. |  |  |  | Reviewer Comment (2021-12-06): Exception cleared. 12/6/2021.<br>Buyer Comment (2021-12-02): See final settlement statement - this is an investment loan CD is not required- doc provided in related finding | 12/06/2021 |  |  | 1<br> B<br> A |  | FL | Investment | Purchase | D<br> B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53431787 | 34976083 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Prepayment penalty question on page 3 of the final HUD was not provided. |  | Settlement statement was used. |  |  |  | Reviewer Comment (2021-12-06): Exception cleared. 12/6/2021.<br>Buyer Comment (2021-12-02): See final settlement statement - this is an investment loan CD is not required- doc provided in related finding | 12/06/2021 |  |  | 1<br> B<br> A |  | FL | Investment | Purchase | D<br> B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53431787 | 34976084 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Balloon term question on page 3 of the final HUD was not provided. |  | Settlement statement was used. |  |  |  | Reviewer Comment (2021-12-06): Exception cleared. 12/6/2021.<br>Buyer Comment (2021-12-02): See final settlement statement - this is an investment loan CD is not required- doc provided in related finding | 12/06/2021 |  |  | 1<br> B<br> A |  | FL | Investment | Purchase | D<br> B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53431787 | 34976085 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Escrow question on page 3 of the final HUD was not provided. |  | Settlement statement was used. |  |  |  | Reviewer Comment (2021-12-06): Exception cleared. 12/6/2021.<br>Buyer Comment (2021-12-02): See final settlement statement - this is an investment loan CD is not required- doc provided in related finding | 12/06/2021 |  |  | 1<br> B<br> A |  | FL | Investment | Purchase | D<br> B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53431787 | 34976087 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOA allows short-term rentals with a minimum rental time of 30 days vs. program restriction that the subject project may not include any units that offer daily, weekly or monthly rentals (Note; the association is not involved in the renting of the units). Lender granted exception in file. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years. | Comp factors used to waive exception. | Originator<br>XXX | Reviewer Comment (2022-02-18): comp factor used to waive exception<br>Reviewer Comment (2021-12-06): Lender approved exception with compensating factors.<br>Buyer Comment (2021-12-02): see approved exception which XXX states have validated - please clear<br>Buyer Comment (2021-12-02): See final settlement statement - this is an investment loan CD is not required |  |  | 12/06/2021 | 2<br> C<br> B |  | FL | Investment | Purchase | D<br> B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53431787 | 34976088 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | PITIA months reserves of 0.00 is less than guideline required PITIA of 6.00. Based on the loan application, the asset provided was captured but inadequate. |  |  |  | Reviewer Comment (2022-01-20): Cleared<br>Buyer Comment (2022-01-19): see gift letter<br>Reviewer Comment (2021-12-09): Per documentation in the file the $10k EMD is unsourced and therefore not being used as verified assets. The gift funds of $130,000.00 (per the gift letter in the file) are not sourced either. Per the 1008 the gift funds were to be wired to title, but the wire provided doesn't match the $130,000.00 on the gift letter and UTD that they came from the gift donor. Exception remains. 12/9/2021.<br>Buyer Comment (2021-12-08): see Wires to title company<br>Buyer Comment (2021-12-08): See Wire | 01/20/2022 |  |  | 1<br> C<br> A |  | FL | Investment | Purchase | D<br> B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53431787 | 34976089 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | An Appraisal notice was provided to the borrower and an acknowledgement of receipt of appraisal received and consented by the borrower. |  |  |  | Buyer Comment (2022-01-19): XXX has elected to waive this exception<br>Reviewer Comment (2021-12-06): The Notice of Right to Copy of Appraisal in the file was sent on 10/6/2021, which was not within 3 business days of the application date of 9/29/2021. Exception remains. 12/6/2021.<br>Buyer Comment (2021-12-02): see Appraisal confirmation<br>Buyer Comment (2021-12-02): See final settlement statement - this is an investment loan CD is not required |  |  | 01/19/2022 | 2<br> B |  | FL | Investment | Purchase | D<br> B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53431787 | 34976090 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. | Missing HUD-1 in file. |  |  |  | Reviewer Comment (2021-12-06): Exception cleared. 12/6/2021.<br>Buyer Comment (2021-12-02): See final settlement statement - this is an investment loan CD is not required | 12/06/2021 |  |  | 1<br> D<br> A |  | FL | Investment | Purchase | D<br> B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53431787 | 34976091 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property submitted as Non-QM / Exempt from ATR | Ability to Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to Ability to Repay requirements. | Tested as Non-QM per direction from client. |  |  |  | Reviewer Comment (2021-12-06): Exception waived. 12/6/2021.<br>Buyer Comment (2021-12-02): this is a non qm loan please clear this finding |  |  | 12/06/2021 | 2<br> B |  | FL | Investment | Purchase | D<br> B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53431787 | 34976092 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing confirmation of $133,000 Gift Funds and $10,000 EMD. $182,663.80 short to close. |  |  |  | Reviewer Comment (2022-01-20): Cleared<br>Buyer Comment (2022-01-19): see gift letter<br>Reviewer Comment (2021-12-09): Missing evidence of transfer of gift funds in the amount of $133,000 and source of funds of EMD of $10,000. Exception remains<br>Buyer Comment (2021-12-08): see Wires to title company | 01/20/2022 |  |  | 1<br> C<br> A |  | FL | Investment | Purchase | D<br> B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53431787 | 34976093 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Asset Documentation not provided |  | Missing cancelled checks and or source of fund deposit for EMD of $10,000.00 |  |  |  | Reviewer Comment (2022-01-25): Cleared<br>Buyer Comment (2022-01-25): Cannot source EMD. Please back funds out of calculations.<br>Reviewer Comment (2022-01-21): Settlement Statement reflects an EMD of $10, 0000.00 missing evidence of EMD receipt. Gift funds are separate and are not considered part of EMD.<br>Buyer Comment (2022-01-21): -<br>Buyer Comment (2022-01-21): Gift letter provided reflects borrower received $106,393.78 matching corresponding wire- which can be used for EMD; borrower has additional funds of $96157.41 in XXX act with terms of withdrawal in file. As a result Borrower has sufficient funds for closing and reserves<br>Reviewer Comment (2022-01-20): Still missing the bank statement source for the EMD.<br>Buyer Comment (2022-01-19): see gift letter/gift wire<br>Reviewer Comment (2021-12-09): Missing source of fund of the $10,000 EMD. Exception remains<br>Buyer Comment (2021-12-08): see Wire $10,000<br>Buyer Comment (2021-12-08): See Wire<br>Reviewer Comment (2021-12-06): EMD of $10,000.00 cancelled check not provided , exception remains.<br>Buyer Comment (2021-12-02): unable to source, borrower has sufficient funds for closing and reserves excluding EMD of $10,000 | 01/25/2022 |  |  | 1<br> C<br> A |  | FL | Investment | Purchase | D<br> B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53431787 | 34976094 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  |  | Reviewer Comment (2021-12-06): Guarantor Agreement already provided , Exception cleared.<br>Buyer Comment (2021-12-02): Please provide specific detail as to what you are requesting and why | 12/06/2021 |  |  | 1<br> D<br> A |  | FL | Investment | Purchase | D<br> B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53431787 | 34976096 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2021-12-06): Received Approval document , Exception cleared.<br>Buyer Comment (2021-12-02): see approval<br>Buyer Comment (2021-12-02): See final settlement statement - this is an investment loan CD is not required | 12/06/2021 |  |  | 1<br> C<br> A |  | FL | Investment | Purchase | D<br> B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53431787 | 34976097 |  | Credit | Guideline | Guideline Issue | Guideline | The subject property closed as investment property, non-warrantable condo with a LTV > 75%, which is not permitted by guides. | LTV: ___ | Condo in non-warrantable due to units available for short term rent/lease, < 30 days. |  |  |  | Reviewer Comment (2022-01-27): Received updated information. Cleared.<br>Buyer Comment (2022-01-27): Page 8 of J10 matrix only restricts Condotel loans to 75%; p13 reflects Non-Warrantable is eligible property type, P9 of matrix reflects 700 credit score allows up to 90% LTV (Borrower has 703 score)<br>Reviewer Comment (2022-01-26): we are saying it is non warrantable, not a condo tel<br>Buyer Comment (2022-01-26): the subject is not a condotel as the HOA allows owners to rent for terms of 30 days or more; HOA nor hotel check in handles the rental of units, it is taken care of by individual homeowners; Guidelines J10 matrix for Nov 8 page 8 allows for up to 90% LTV on a purchase | 01/27/2022 |  |  | 1<br> C<br> A |  | FL | Investment | Purchase | D<br> B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53431787 | 34976098 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. |  |  |  |  | Reviewer Comment (2022-01-26): waived<br>Buyer Comment (2022-01-26): see final settlement statement<br>Reviewer Comment (2022-01-26): Business purpose cert in file. Exempt from TILA/RESPAHUD/CD requirement. EV2 informational finding to indicate which document was used to source fees for testing. |  |  | 01/26/2022 | 2<br> B |  | FL | Investment | Purchase | D<br> B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58528133 | 34976100 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2021-12-01): Cleared | 12/01/2021 |  |  | 1<br> A |  | IL | Primary | Refinance - Rate/Term | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58528133 | 34976101 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The title policy coverage amount is less than the original loan amount. |  |  |  | Reviewer Comment (2021-12-01): Received Final Title Policy with correct policy amount. Exception Cleared<br>Buyer Comment (2021-11-30): see title - updated insured value at loan amount | 12/01/2021 |  |  | 1<br> B<br> A |  | IL | Primary | Refinance - Rate/Term | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58528133 | 34976102 |  | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. |  | Title policy coverage amount is less than the loan amount. |  |  |  | Reviewer Comment (2021-12-01): Received Final Title Policy with correct policy amount. Exception Cleared<br>Buyer Comment (2021-11-30): see title - updated insured value at loan amount<br>Buyer Comment (2021-11-29): final title hasn't been issued yet, working on providing validation of coverage as per updated loan amount, but final title can't be provided, it's not been issued yet | 12/01/2021 |  |  | 1<br> C<br> A |  | IL | Primary | Refinance - Rate/Term | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58528133 | 34976104 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $528.75 exceeds tolerance of $263.00. Insufficient or no cure was provided to the borrower. | 0% fee tolerance exceeded with no sufficient funds provided. |  |  |  | Reviewer Comment (2021-11-30): XXX Received COC stating the loan amount change on 11/09/2021 . No additional cure is required.<br>Buyer Comment (2021-11-30): at the time of that CD, the loan amount increased. The discount points are a percentage of the loan amount. Any time the loan amount changes, the discount points would change as well. See COC with this information.<br>Reviewer Comment (2021-11-30): XXX Received COC stating the Rate lock on 11/05/2021 and the following LE dated 11/05/2021. however the LDP fees again increased from $525 to $528.75 on the CD dated 11/10/2021 for which we do not have a valid COC. Please provide a valid COC for the LDP fee increase on 11/10/2021 or provide cure documents for $3.75 which includes PCCD, LOE, Copy of check and proof of delivery.<br>Buyer Comment (2021-11-29): loan program changed - see redisclosure and tracking | 11/30/2021 |  |  | 1<br> C<br> A |  | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 58528133 | 34976105 |  | 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 ___. | Asset provided for PITIA reserves months is less than guideline required PITIA of 6 months. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Comp factors used to waive exception | XXX,Originator<br>XXX<br>XXX<br>XXX<br>XXX<br>XXX | Reviewer Comment (2022-02-18): Comp factors sued to waive exception<br>Reviewer Comment (2022-01-19): Lender exception approved on 01/07/2022 for 4.62 months of reserves. Exception waived<br>Buyer Comment (2022-01-18): see approved exception<br>Reviewer Comment (2022-01-11): the fees have bene updated and reflected back to the borrower.<br>Reviewer Comment (2022-01-11): Appraisal fee has been added back to assets.<br>Buyer Comment (2022-01-10): Exactly. The appraisal was paid by credit card and the bank statements are dated AFTER the appraisal fee cleared. The borrower paid for the appraisal with a credit card which is absolutely acceptable. Being that the bank statements used for qualifying are AFTER the date the appraisal fee was paid it is documented that the borrower had sufficient funds to close and for reserves. The reserves available at closing are 7451.68. Please correct the system to reflect this and lender exception will follow for the slight shortage of reserves.<br>Reviewer Comment (2022-01-10): The invoice in the file for the appraisal shows it was paid via a credit card on 9/17/2021 and none of the bank statements in the file show the funds coming out, which is required for the funds to be added in as verified assets. Exception remains. 1/10/2022.<br>Buyer Comment (2022-01-07): Please make sure you are crediting the borrower for the Appraisal fee paid outside closing on 9/17/21. Both bank statements used for assets are after that date so the $470 can be credited back. Available reserves should show 7451.68. Lender exception will follow one your available reserves show the correct amount of $7451.68<br>Reviewer Comment (2021-12-01): Account #9126 balance per statement provided reflects balance of $6,525.45 on 11/05/2021 and account #9023 reflects a balance of $1,941.99 on 09/30/2021. Values used on 1003 are from earlier bank statements<br>Buyer Comment (2021-11-29): borrower deposits verified are over 12k. borrower PITIA x 6 = 9669.72 with actual reserves over 11k.<br> Please provide your calculation of reserves required |  |  | 01/19/2022 | 2<br> C<br> B |  | IL | Primary | Refinance - Rate/Term | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57584145 | 34977840 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower does not have the minimum active tradelines per guidelines. |  | Do not meet the requirements of 3 tradelines reporting for 12+ months or 2 tradelines reporting 24+ months with activity in the last 12 months. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | LTV is 65% vs. the max of 75%.<br>Over 73 months in reserves vs. the minimum of 3 months. | XXX,Originator<br>Originator<br>XXX | Reviewer Comment (2020-02-13): XXXXX |  |  | 02/13/2020 | 2<br> B |  | FL | Investment | Refinance - Cash-out - Other | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57584145 | 34977841 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rental loss is not 6 months insured per the HOI. HOI reflects XXXXX, and the amount needed is XXXXX per the form 1007 of XXXXX monthly rental income. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | LTV is 65% vs. the max of 75%.<br>Over 73 months in reserves vs. the minimum of 3 months. | XXX,Originator<br>Originator<br>XXX | Reviewer Comment (2020-02-18): XXXXX |  |  | 02/18/2020 | 2<br> C<br> B |  | FL | Investment | Refinance - Cash-out - Other | C<br> B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57946656 | 34977843 |  | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements. |  | HOI does not reflect the ISAOA. |  |  |  | Buyer Comment (2019-11-08): XXXXX |  |  | 11/08/2019 | 2<br> B |  | FL | Investment | Purchase | B<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51107161 | 34977849 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy expiration date is missing from evidence of insurance. |  |  |  |  |  | Reviewer Comment (2020-02-20): XXXXX | 02/20/2020 |  |  | 1<br> C<br> A |  | WA | Investment | Refinance - Cash-out - Other | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58991347 | 34977852 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2020-03-13): XXXXX | 03/13/2020 |  |  | 1<br> C<br> A |  | FL | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58991347 | 34977853 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | There is no evidence of landlord insurance (hazard insurance plus liability) and thus casts doubt on the business purpose of the loan. |  |  |  |  |  | Reviewer Comment (2020-02-21): XXXXX<br>Reviewer Comment (2020-02-04): XXXXX | 02/21/2020 |  |  | 1<br> C<br> A |  | FL | Investment | Purchase | C<br> A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58889081 | 34977856 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The file was missing evidence that a copy of appraisal was provided to borrowers at closing or 3 days prior to close. |  |  |  | Reviewer Comment (2019-10-17): XXXXX | 10/17/2019 |  |  | 1<br> B<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58889081 | 34977857 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank XXXXX): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Missing third party verification of employment dates. |  |  |  | Reviewer Comment (2019-11-19): XXXXX<br>Reviewer Comment (2019-10-29): XXXXX<br>Seller Comment (2019-10-28): XXXXX<br>Reviewer Comment (2019-10-24): XXXXX<br>Seller Comment (2019-10-23): XXXXX<br>Reviewer Comment (2019-10-21): XXXXX<br>Reviewer Comment (2019-10-14): XXXXX | 11/19/2019 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58889081 | 34977859 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Rental Income Documentation - Schedule E Method Test | Qualified Mortgage (Dodd-Frank XXXXX): Rental income documentation requirement not met for XXXXX. Lease Agreement and/or Tax Return not provided. | Missing lease agreement. |  |  |  | Reviewer Comment (2019-11-05): XXXXX<br>Reviewer Comment (2019-10-24): XXXXX<br>Seller Comment (2019-10-23): XXXXX<br>Reviewer Comment (2019-10-21): XXXXX<br>Reviewer Comment (2019-10-14): XXXXX<br>Seller Comment (2019-10-11): XXXXX | 11/05/2019 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58889081 | 34977860 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Sole Proprietorship Income Documentation Test | Qualified Mortgage (Dodd-Frank XXXXX): Self-employed income documentation not sufficient (Sole Proprietorship). | Missing third party verification of employment dates. |  |  |  | Reviewer Comment (2019-11-05): XXXXX<br>Reviewer Comment (2019-10-29): XXXXX<br>Seller Comment (2019-10-29): XXXXX<br>Reviewer Comment (2019-10-24): XXXXX<br>Reviewer Comment (2019-10-21): XXXXX<br>Reviewer Comment (2019-10-14): XXXXX<br>Seller Comment (2019-10-11): XXXXX | 11/05/2019 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58889081 | 34977861 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2019-11-05): XXXXX<br>Reviewer Comment (2019-10-29): XXXXX<br>Seller Comment (2019-10-29): XXXXX<br>Reviewer Comment (2019-10-24): XXXXX<br>Seller Comment (2019-10-24): XXXXX | 11/05/2019 |  |  | 1<br> B<br> A<br> C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Higher Priced QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 58889081 | 34977862 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXXX moderately exceeds the guideline maximum of XXXXX . (DTI Exception is eligible to be regraded with compensating factors.) | Lender is using more income for co-borrower than this review finds. Also, lender states no rental income used so using full pitia on all properties, but lender did not appear to include any in the debts. |  |  |  | Reviewer Comment (2019-10-21): XXXXX | 10/21/2019 |  |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58889081 | 34977863 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank XXXXX): Total Debt to Income Ratio exceeds XXXXX and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Lender is using more income for co-borrower than this review finds. Also, lender states no rental income used so using full pitia on all properties, but lender did not appear to include any in the debts. |  |  |  | Reviewer Comment (2019-10-21): XXXXX | 10/21/2019 |  |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58889081 | 34977864 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Lender provided letter to change to non-qm. |  |  |  | Reviewer Comment (2019-11-19): XXXXX | 11/19/2019 |  |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Higher Priced QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 58889081 | 34977865 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank XXXXX): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Lender restated designation to Non-QM |  |  |  |  |  |  |  | 2<br> A<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59426225 | 34977866 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | The file is missing a copy of the Credit report |  |  |  | Reviewer Comment (2019-10-15): XXXXX | 10/15/2019 |  |  | 1<br> D<br> A |  | MN | Primary | Purchase | D<br> A<br> C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59426225 | 34977868 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | The file was missing a copy of the FACTA Credit Score Disclosure for all borrowers provided within 3 days of originator application date. |  |  |  | Seller Comment (2019-10-16): XXXXX<br>Reviewer Comment (2019-10-15): XXXXX | 10/15/2019 |  |  | 1<br> B<br> A |  | MN | Primary | Purchase | D<br> A<br> C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59426225 | 34977871 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Seller Comment (2019-10-16): XXXXX<br>Reviewer Comment (2019-10-15): XXXXX | 10/15/2019 |  |  | 1<br> B<br> A<br> C |  | MN | Primary | Purchase | Lender to provide updated ATR/QM status<br> D<br> A<br> C | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 59426225 | 34977872 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank XXXXX): Unable to verify debt obligations using reasonably reliable third-party records. | The file is missing a copy of the Credit Report used to qualify loan. |  |  |  | Reviewer Comment (2019-10-15): XXXXX | 10/15/2019 |  |  | 1<br> C<br> A |  | MN | Primary | Purchase | D<br> A<br> C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59426225 | 34977873 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXXX): General Ability-to-Repay requirements not satisfied. | ATR failure due to missing credit report. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2019-10-15): XXXXX | 10/15/2019 |  |  | 1<br> A |  | MN | Primary | Purchase | D<br> A<br> C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59426225 | 34977874 |  | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified) | XXXXX Residential Mortgage Originator and Servicer Licensing Act Borrower's ability to repay not verified with reliable documentation. | ATR failure due to missing credit report. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2019-10-17): XXXXX<br>Seller Comment (2019-10-16): XXXXX | 10/17/2019 |  |  | 1<br> B<br> A |  | MN | Primary | Purchase | D<br> A<br> C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59426225 | 34977875 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Minnesota Subprime (APR Exceeds Subprime Threshold) | XXXXX Subprime Loan: APR on subject loan of XXXXX or Final Disclosure APR of XXXXX is in excess of allowable threshold of USTreasury XXXXX + 3%, or XXXXX . Compliant Subprime Loan. |  |  |  |  | Seller Comment (2019-10-16): XXXXX<br>Reviewer Comment (2019-10-15): XXXXX<br>Seller Comment (2019-10-15): XXXXX |  |  |  | 2<br> B<br> A |  | MN | Primary | Purchase | No obvious cure<br> D<br> A<br> C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59426225 | 34977878 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | Unable to determine FACTA Credit Score Disclosure was provided due to missing information. | Erroneous, due to inability to associate the document at time of exceptions clearing. |  |  |  | Reviewer Comment (2019-10-17): XXXXX<br>Seller Comment (2019-10-16): XXXXX | 10/17/2019 |  |  | 1<br> A |  | MN | Primary | Purchase | D<br> A<br> C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57909739 | 34977879 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Appraisal made Subject To, required 442 with photos not provided |  |  |  | Reviewer Comment (2019-10-23): XXXXX<br>Seller Comment (2019-10-21): XXXXX<br>Reviewer Comment (2019-10-16): XXXXX<br>Seller Comment (2019-10-15): XXXXX | 10/23/2019 |  |  | 1<br> C<br> A |  | CO | Second Home | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57909739 | 34977881 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | The file was missing a copy of the FACTA Credit Score Disclosure for all borrowers provided within 3 days of originator application date. |  |  |  | Reviewer Comment (2019-10-16): XXXXX<br>Seller Comment (2019-10-15): XXXXX | 10/16/2019 |  |  | 1<br> B<br> A |  | CO | Second Home | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57909739 | 34977882 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The file is missing verification the borrowers received a copy of the appraisal within 3 days of closing. |  |  |  | Reviewer Comment (2019-10-16): XXXXX<br>Seller Comment (2019-10-15): XXXXX |  |  |  | 2<br> B |  | CO | Second Home | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57909739 | 34977883 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home) | The declarations section of both the initial and final 1003's reflect the borrowers intend to occupy the property as their primary residence. |  |  |  | Reviewer Comment (2019-10-23): XXXXX<br>Seller Comment (2019-10-21): XXXXX<br>Reviewer Comment (2019-10-16): XXXXX<br>Seller Comment (2019-10-15): XXXXX | 10/23/2019 |  |  | 1<br> C<br> A |  | CO | Second Home | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57909739 | 34977885 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. |  | For a family of 5 and loan amount of XXXXX, minimum disposable income of XXXXX is required |  |  |  | Reviewer Comment (2019-10-18): XXXXX<br>Seller Comment (2019-10-15): XXXXX | 10/18/2019 |  |  | 1<br> C<br> A |  | CO | Second Home | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57391432 | 34977888 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | The file was missing a copy of the FACTA Credit Score Disclosure for all borrowers provided within 3 days of originator application date. |  |  |  | Reviewer Comment (2019-10-16): XXXXX | 10/16/2019 |  |  | 1<br> B<br> A |  | FL | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57391432 | 34977890 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2019-10-17): XXXXX | 10/17/2019 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | No Defined Cure<br> C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57391432 | 34977891 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure | TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. | Seller Closing Disclosure is missing. |  |  |  | Reviewer Comment (2019-12-12): XXXXX |  |  | 12/12/2019 | 1<br> B<br> A |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 57391432 | 34977892 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. | Lender credit in the amount of XXXXX provided at closing for closing cost that exceeded tolerance. |  |  |  |  |  | 10/08/2019 |  | 1<br> A |  | FL | Primary | Purchase | Final CD evidences Cure<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 57391432 | 34977894 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Assumption | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXXX incorrectly disclosed whether the loan allows for Assumption. | Not reflects loan is assumable after inital period. |  |  |  | Reviewer Comment (2019-12-12): XXXXX |  |  | 12/12/2019 | 1<br> B<br> A |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 54194647 | 34979093 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2020-04-13): XXXXX | 04/13/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54194647 | 34979097 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Missing FACTA disclosure. |  |  |  |  |  |  |  | 2<br> B |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54194647 | 34979099 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan. | Final TIL discloses mortgage insurance payment in payment stream 1, however no MI cert was provided. |  |  |  | Reviewer Comment (2020-03-31): XXXXX<br>Reviewer Comment (2020-03-09): XXXXX<br>Seller Comment (2020-03-07): XXXXX |  | 03/31/2020 |  | 2<br> C<br> B |  | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 54194647 | 34979100 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. | Final CD disclosed a second payment stream after cancellation of MI, however client guidelines do not require mortgage insurance and no MI cert is provided. CD for a fixed rate transaction without MI would not properly disclose a second payment stream. |  |  |  | Reviewer Comment (2020-03-31): XXXXX<br>Reviewer Comment (2020-03-09): XXXXX |  | 03/31/2020 |  | 2<br> C<br> B |  | FL | 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)<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 51993685 | 34979102 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2020-04-14): XXXXX | 04/14/2020 |  |  | 1<br> C<br> A |  | MI | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51993685 | 34979104 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXXX exceeds tolerance of XXXXX Insufficient or no cure was provided to the borrower. | Loan Discount Points disclosed was last disclosed as XXXXX on LE but disclosed as XXXXX on Final Closing Disclosure. File does contain a valid COC for this fee. Cure for 0% tolerance violation in the amount of XXXXX was not provided. Provide a post-close CD disclosing the tolerance cure of XXXXX copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-03-09): XXXXX<br>Seller Comment (2020-03-07): XXXXX | 03/09/2020 |  |  | 1<br> C<br> A |  | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 51993685 | 34979105 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. | The file was missing a copy of the executed ARM Disclosure or proof of the borrower's receipt within 3 days of originator application date. |  |  |  | Reviewer Comment (2020-03-09): XXXXX<br>Seller Comment (2020-03-07): XXXXX | 03/09/2020 |  |  | 1<br> C<br> A |  | MI | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51993685 | 34979108 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History | Qualified Mortgage (Dodd-Frank XXXXX): Employment history requirement not met. | Loan was tested to Appendix Q as proof of loan designation was not provided. |  |  |  | Reviewer Comment (2020-02-20): XXXXX | 02/20/2020 |  |  | 1<br> C<br> A |  | MI | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51993685 | 34979109 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Unknown Loan Designation Test | Ability to Repay / Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM. | Proof of loan designation was not provided. |  |  |  | Reviewer Comment (2020-02-20): XXXXX | 02/20/2020 |  |  | 1<br> B<br> A<br> C |  | MI | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54133081 | 34979112 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XXXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). | Lender NMLS number not provided. |  |  |  | Reviewer Comment (2019-11-13): XXXXX |  | 11/13/2019 |  | 2<br> B |  | OR | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 54133081 | 34979113 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Invalid Section A Combinations | TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on XXXXX reflects a Paid To party other than to lender or broker for fee within Origination Charges. | Section A of the Final CD reflects a fee paid to a third party/the realtor. |  |  |  | Reviewer Comment (2019-11-13): XXXXX |  | 11/13/2019 |  | 2<br> B |  | OR | Primary | Purchase | Good Faith Redisclosure<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 54133081 | 34979114 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | SSPL is missing from file. |  |  |  | Reviewer Comment (2019-11-13): XXXXX | 11/13/2019 |  |  | 1<br> B<br> A |  | OR | Primary | Purchase | No Defined Cure<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57963600 | 34979116 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXX disclosed a Closing Date that did not match the actual date of consummation. | Dry close Ste |  |  |  | Reviewer Comment (2019-11-19): XXXXX |  | 11/19/2019 |  | 1<br> B<br> A |  | AZ | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 55418857 | 34979125 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | No Cure or documentation provided. |  |  |  | Reviewer Comment (2019-11-07): XXXXX | 11/07/2019 |  |  | 1<br> B<br> A |  | CT | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55418857 | 34979127 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. |  | Self-employment over 6 years with the same business.<br>Over 9 months in reserves vs. the 6 months required. |  | Originator<br>Originator | Reviewer Comment (2019-11-07): XXXXX |  |  | 11/07/2019 | 2<br> C<br> B |  | CT | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58215772 | 34979128 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Manner of title vesting is blank. |  | Missing Final Title, not provided on Commitment or Deed in file. |  |  |  | Reviewer Comment (2019-11-06): XXXXX | 11/06/2019 |  |  | 1<br> C<br> A |  | IL | Primary | Refinance - Cash-out - Home Improvement | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58215772 | 34979131 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing VOB within 10 days of closing. |  |  |  | Reviewer Comment (2019-11-01): XXXXX | 11/01/2019 |  |  | 1<br> C<br> A |  | IL | Primary | Refinance - Cash-out - Home Improvement | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52100511 | 34979135 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 10/29/2019 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 52100511 | 34979136 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2019-10-31): XXXXX | 10/31/2019 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52100511 | 34979137 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Per preliminary title report, new lender was prior originating lender. |  |  |  | Buyer Comment (2019-10-29): XXXXX |  |  | 10/29/2019 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 56282991 | 34979139 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  | Reviewer Comment (2020-02-24): XXXXX<br>Reviewer Comment (2020-02-16): XXXXX<br>Reviewer Comment (2020-02-11): XXXXX | 02/24/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure<br> C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56282991 | 34979140 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Tolerance cure not given for recording fee. |  |  |  | Reviewer Comment (2020-02-12): XXXXX<br>Buyer Comment (2020-02-10): XXXXX | 02/12/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 56282991 | 34979141 |  | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | HO-6 Policy must be effective for at least 60 days after the date of funding. Valid untilXXXXX |  |  |  | Buyer Comment (2020-02-10): XXXXX |  |  | 02/10/2020 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56282991 | 34979142 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - |  |  |  |  | Reviewer Comment (2020-02-13): XXXXX<br>Reviewer Comment (2020-02-12): XXXXX | 02/13/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56282991 | 34979143 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | CPA LOE reflects the borrower is 99% owner and didn't confirm the 1% owner to complete the 100%. Missing access letter from the other owner confirming the use of business can be used at closing. Missing CPA letter confirming the other owner. |  |  |  | Reviewer Comment (2020-02-12): XXXXX | 02/12/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50126900 | 34979146 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing the following: 3rd party CPA verification and CPA to confirm ownership percentage for the borrower for use of business funds and CPA P&L income guide borrower has to be at least XXXXX owner. |  |  |  | Reviewer Comment (2019-12-27): XXXXX | 12/27/2019 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59743947 | 34979151 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XXXXX not received by borrower at least four (4) business days prior to closing. | The revised LE has not been signed or dated. and no evidence has been provided that it was received by the borrower at least 4 days prior to closing. |  |  |  | Reviewer Comment (2020-02-07): XXXXX | 02/07/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure<br> C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59743947 | 34979152 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Please provide tax and insurance information for all rental properties and lease agreements. |  |  |  | Reviewer Comment (2020-02-10): XXXXX<br>Buyer Comment (2020-02-06): XXXXX | 02/10/2020 |  |  | 1<br> B<br> A<br> C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 59743947 | 34979153 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Field Review Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Appraisal Transfer Review fee of XXXXX charged on the CD was not disclosed on the initial LE. No transfer letter in the file. |  |  |  | Reviewer Comment (2020-02-11): XXXXX<br>Reviewer Comment (2020-02-07): XXXXX | 02/11/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 59743947 | 34979154 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Please provide lease agreements for all rental properties. |  |  |  | Reviewer Comment (2020-02-10): XXXXX | 02/10/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59743947 | 34979155 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Please provide lease agreements, insurance and tax verifications for all rental properties |  |  |  | Reviewer Comment (2020-02-10): XXXXX | 02/10/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59743947 | 34979156 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXXX moderately exceeds the guideline maximum of XXXXX . (DTI Exception is eligible to be regraded with compensating factors.) |  |  |  |  | Reviewer Comment (2020-02-10): XXXXX | 02/10/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59743947 | 34979157 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ |  |  |  |  | Reviewer Comment (2020-02-11): XXXXX<br>Reviewer Comment (2020-02-10): XXXXX | 02/11/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59743947 | 34979158 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Payment Shock exceeds credit guidelines. | Payment Shock: ___ |  |  |  |  | Reviewer Comment (2020-02-10): XXXXX | 02/10/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51540038 | 34979162 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2020-01-22): XXXXX | 01/22/2020 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51540038 | 34979163 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2020-01-22): XXXXX | 01/22/2020 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51540038 | 34979166 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor | TILA HPML appraisal Rule (Dodd-Frank XXXXX): Safe Harbor requirements not satisfied. |  |  |  |  | Buyer Comment (2020-02-05): XXXXX |  |  | 02/05/2020 | 2<br> B |  | WA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51540038 | 34979167 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXXX disclosed a Finance Charge that does not match the actual finance charge for the loan. | No Cure or Documentation provided. |  |  |  | Reviewer Comment (2020-01-31): XXXXX<br>Reviewer Comment (2020-01-23): XXXXX |  | 01/31/2020 |  | 2<br> C<br> B |  | WA | Primary | Refinance - Cash-out - Other | 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)<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 51540038 | 34979168 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank XXXXX): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. |  |  |  |  | Reviewer Comment (2020-01-22): XXXXX | 01/22/2020 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51540038 | 34979169 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | This caused by missing employment verification |  |  |  | Reviewer Comment (2020-01-22): XXXXX | 01/22/2020 |  |  | 1<br> B<br> A<br> C |  | WA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 51540038 | 34979170 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXXX): General Ability-to-Repay requirements not satisfied. | This caused by missing employment verification |  |  |  | Reviewer Comment (2020-01-22): XXXXX | 01/22/2020 |  |  | 1<br> A |  | WA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51540038 | 34979171 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - |  |  |  |  | Reviewer Comment (2020-01-22): XXXXX | 01/22/2020 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57016872 | 34979174 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Lender approved XXXXX \*\* Exception approval in file. One of the compensating factors is years on the job. Per the business search in the file, it reflects the borrower has been registered since XXXXX, which is less than 8 years listed on the exception approval. | Borrower has verified disposable income of at least XXXXX<br>Borrower has been employed in the same industry for more than 5 years.<br>Guideline variance approved by lender at time of origination.<br>Guideline variance approved by lender at time of origination. | Residual income XXXXX<br>LTV is 78% vs. the max of 80%.<br>LTV is 78% vs. the max of 85%. | XXX,Originator<br>XXX<br>Originator<br>Originator | Reviewer Comment (2020-02-13): XXXXX |  |  |  | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other | B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55780046 | 34979176 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Final Title Policy to show loan amount of XXXXX. |  |  |  | Reviewer Comment (2020-02-16): XXXXX | 02/16/2020 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55780046 | 34979177 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Calculated investor qualifying disposable income of ___ is less than AUS required disposable income of ___. | The loan file does not have enough disposable income. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXXX<br>Guideline variance approved by lender at time of origination | LTVi s 75 vs. the max of 85%.<br>Over 2 years XXXXX with the same business. | XXX,Originator<br>XXX<br>XXX<br>Originator | Reviewer Comment (2020-02-21): XXXXX<br>Reviewer Comment (2020-02-16): XXXXX |  |  | 02/21/2020 | 2<br> C<br> B |  | TX | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55780046 | 34979179 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus 10% or XXXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 02/12/2020 |  | 1<br> A |  | TX | Primary | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 55780046 | 34979180 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Lender exception not found in file for loan amount. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXXX<br>Guideline variance approved by lender at time of origination | LTVi s 75 vs. the max of 85%.<br>Over 2 years XXXXX with the same business. | XXX,Originator<br>XXX<br>XXX<br>Originator | Reviewer Comment (2020-02-21): XXXXX<br>Reviewer Comment (2020-02-16): XXXXX |  |  | 02/21/2020 | 2<br> C<br> B |  | TX | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55780046 | 34979181 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXXX<br>Guideline variance approved by lender at time of origination | LTVi s 75 vs. the max of 85%.<br>Over 2 years XXXXX with the same business. | XXX,Originator<br>XXX<br>XXX<br>Originator | Reviewer Comment (2020-02-21): XXXXX<br>Reviewer Comment (2020-02-16): XXXXX |  |  | 02/21/2020 | 2<br> C<br> B |  | TX | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55780046 | 34979183 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing to confirm how the lender calculated the income. |  |  |  | Reviewer Comment (2020-02-16): XXXXX | 02/16/2020 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58129267 | 34979186 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | No lender credit for tolerance cure |  |  |  | Reviewer Comment (2020-02-14): XXXXX | 02/14/2020 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 58129267 | 34979188 |  | 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 ___. |  | Guideline variance approved by lender at time of origination<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXXX<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Over 12 years XXXXX with the same business.<br>LTV is 70% and max is 80%. | Originator<br>XXX<br>XXX<br>XXX<br>Originator,XXX<br>XXX | Reviewer Comment (2020-02-18): XXXXX<br>Reviewer Comment (2020-02-16): XXXXX<br>Buyer Comment (2020-02-14): XXXXX |  |  | 02/18/2020 | 2<br> C<br> B |  | TX | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56075769 | 34979190 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Partnership Income Documentation Test | Qualified Mortgage (Dodd-Frank XXXXX): Self-employed income documentation not sufficient (Partnership). | The file is missing the YTD P&L and Balance Sheet for XXXXX |  |  |  | Reviewer Comment (2020-01-24): XXXXX<br>Reviewer Comment (2020-01-15): XXXXX<br>Reviewer Comment (2020-01-02): XXXXX | 01/24/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56075769 | 34979191 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History - Current Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank XXXXX): Missing Employment Dates to verify two years current employment. | XXXXX has recently begun a new job in XXXXX, however, he has 2 years employment history that was not verified. Because the 3rd party Verification was not provided for the 1065 or the 1120S, the 2 year history of employment is not met. |  |  |  | Reviewer Comment (2020-01-24): XXXXX<br>Reviewer Comment (2020-01-02): XXXXX | 01/24/2020 |  |  | 1<br> B<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56075769 | 34979192 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | S-Corp Income Documentation Test | Qualified Mortgage (Dodd-Frank XXXXX): Self-employed income documentation not sufficient (S-Corp). | The file is missing the YTD P&L and Balance Sheet for XXXXX |  |  |  | Reviewer Comment (2020-01-24): XXXXX<br>Reviewer Comment (2020-01-15): XXXXX<br>Reviewer Comment (2020-01-02): XXXXX | 01/24/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56075769 | 34979193 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Partnership Test | Ability-to-Repay (Dodd-Frank XXXXX): Unable to verify current Partnership status using reasonably reliable third-party records. | For self-employed borrowers, the existence of the business must be independently verified by two (2) years of business licenses or a XXX letter through disinterested third party within 10 business days of closing. The loan file should reflect documentation secured from these sources. Sources XXXXX include: XXX, regulatory agency or applicable licensing bureau. |  |  |  | Reviewer Comment (2020-01-24): XXXXX<br>Reviewer Comment (2020-01-15): XXXXX<br>Reviewer Comment (2020-01-02): XXXXX | 01/24/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56075769 | 34979196 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2020-01-24): XXXXX<br>Reviewer Comment (2020-01-15): XXXXX<br>Reviewer Comment (2020-01-02): XXXXX | 01/24/2020 |  |  | 1<br> B<br> A<br> C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Higher Priced QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 56075769 | 34979197 |  | 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 XXXXX, prior to three (3) business days from transaction date of XXXXX. | Loan was disbursed prior to midnight of third business day after consummation. Lender to re-open recission, provide copy of new right to cancel form, copy of letter of explanation sent to borrower, and proof of delivery. Note: This exception will not be cleared until expiration of new recission period. |  |  |  | Reviewer Comment (2020-01-09): XXXXX | 01/09/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> C<br> B<br> A | Higher Priced QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 56075769 | 34979198 |  | 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 ___. | Reserves of 5 months is less than required reserves of 9 months. | LTV od 75% is < allowable LTV of 90%.<br>Residual income of XXXXX is > guideline required residual income of XXXXX |  | Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-12-16): XXXXX |  |  | 12/16/2019 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56075769 | 34979199 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus 10% or XXXXX. Sufficient or excess cure was provided to the borrower at Closing. | Lender provided XXXXX credit at closing for increase in Closing Costs above legal limit. |  |  |  |  |  | 12/16/2019 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Higher Priced QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 56075769 | 34979200 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Lender re-designated loan as Non QM. |  |  |  | Reviewer Comment (2020-01-24): XXXXX | 01/24/2020 |  |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Higher Priced QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 56075769 | 34979201 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank XXXXX): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Restated designation received |  |  |  |  |  |  |  | 2<br> A<br> B |  | CA | Primary | Refinance - Rate/Term | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51517361 | 34979205 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2019-12-18): XXXXX | 12/18/2019 |  |  | 1<br> C<br> A |  | GA | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51517361 | 34979207 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | There is no evidence in the file that the appraisal report dated XXXXX was provided to the borrower. |  |  |  | Reviewer Comment (2020-01-27): XXXXX | 01/27/2020 |  |  | 1<br> B<br> A |  | GA | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51517361 | 34979208 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXXX or Final Disclosure APR of XXXXX is in excess of allowable threshold of APOR XXXXX + 2.5%, or XXXXX . Non-Compliant Higher Priced Mortgage Loan. | There is no evidence in the file that the appraisal report dated XXXXX was provided to the borrower. |  |  |  | Reviewer Comment (2020-01-27): XXXXX | 01/27/2020 |  |  | 1<br> C<br> A |  | GA | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51517361 | 34979209 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | There is no evidence in the file that the appraisal report dated XXXXX was provided to the borrower. |  |  |  | Reviewer Comment (2020-01-27): XXXXX | 01/27/2020 |  |  | 1<br> C<br> A |  | GA | Primary | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50225823 | 34979214 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by XXXXX. Provide updated policy reflecting minimum coverage of XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2020-01-09): XXXXX<br>Reviewer Comment (2019-12-18): XXXXX<br>Seller Comment (2019-12-18): XXXXX | 01/09/2020 |  |  | 1<br> C<br> A |  | IN | Second Home | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50225823 | 34979215 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | - | The appraisal was not in the name of the lender. HPML/Safe Harbor requires correct lender to be identified. Provide a revised appraisal correcting the client. |  |  |  |  |  |  |  | 2<br> B |  | IN | Second Home | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50760558 | 34979217 |  | 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 ___. | 8.92 months reserves is < required reserves of 9 months. The reserves were short by XXXXX. | 713 representative FICO score > 660 guideline minimum - 53 points above guideline minimum<br>Borrower on this full documentation loan has a disposable income of XXXXX |  | XXX,Originator Pre-Close<br>XXX,Originator Pre-Close | Reviewer Comment (2020-02-05): XXXXX<br>Reviewer Comment (2020-01-28): XXXXX<br>Reviewer Comment (2020-01-15): XXXXX<br>Reviewer Comment (2020-01-09): XXXXX |  |  | 02/05/2020 | 2<br> C<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50760558 | 34979218 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The borrower has < 1 full year of business income for the company XXXXX, and this income was used in conjunction with the XXXXX income. | 713 representative FICO score > 660 guideline minimum - 53 points above guideline minimum<br>Borrower on this full documentation loan has a disposable income of XXXXX |  | XXX,Originator Pre-Close<br>XXX,Originator Pre-Close | Reviewer Comment (2019-12-31): XXXXX |  |  | 12/31/2019 | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56895578 | 34979220 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property acreages of XXXXX acres exceeds guideline allowable acreage of 10 acres. | 40% LTV < 85% guideline max - XXXXX more equity than required by program guidelines.<br>Borrower on this full documentation loan has a disposable income of XXXXX Minimum XXXXX required. |  | Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2020-01-02): XXXXX |  |  | 01/02/2020 | 2<br> B |  | SC | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56895578 | 34979221 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for XXXXX . Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure .. |  |  |  | Reviewer Comment (2020-02-11): XXXXX<br>Reviewer Comment (2020-01-27): XXXXX<br>Reviewer Comment (2020-01-16): XXXXX<br>Reviewer Comment (2020-01-07): XXXXX | 02/11/2020 |  |  | 1<br> C<br> A |  | SC | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 55929359 | 34979222 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank XXXXX): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXXX, Most Recent Tax Return End Date XXXXX, Tax Return Due Date XXXXX. | File is missing XXXXX 1120 for Partnership. |  |  |  |  |  |  |  | 2<br> B |  | NJ | Second Home | Purchase | B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51509078 | 34979234 |  | Compliance | Compliance | State Compliance | State HPML | XXXXX Rate Spread Threshold Test Compliant | XXXXX Rate Spread Home Loan: APR on subject loan of XXXXX or Final Disclosure APR of XXXXX is in excess of allowable threshold of APOR XXXXX + 1.5%, or XXXXX . Compliant Rate Spread Home Loan. |  |  |  |  |  |  |  |  | 2<br> B<br> A |  | NC | Primary | Purchase | Within 90 days of closing and prior to institution of any action against the lender, (1) notify the borrower, and (2) make appropriate restitution at the option of the borrower to either (a) make the loan comply with prohibited acts and practices or (b) change the terms of the loan in a manner beneficial to the borrower so the loan is no longer rate spread.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery, provide:<br> (1) Legal opinion from originating lender with loan-specific details on how a rate spread home loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-rate spread loan or (b) keep loan as a rate spread loan and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place.<br> C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51509078 | 34979236 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender Required Survey Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee. Cure in the amount of XXXXX was not provided. Provide a post-close CD disclosing the tolerance cure of XXXXX copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-01-15): XXXXX | 01/15/2020 |  |  | 1<br> C<br> A |  | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 53190871 | 34979239 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Partnership Income Documentation Test | Qualified Mortgage (Dodd-Frank XXXXX): Self-employed income documentation not sufficient (Partnership). | Tax returns for business only reflecting 1 year for XXXXX. Business existance less than 2 years. |  |  |  | Reviewer Comment (2020-01-15): XXXXX | 01/15/2020 |  |  | 1<br> C<br> A |  | AL | Second Home | Purchase | C<br> A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53190871 | 34979240 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2020-01-15): XXXXX | 01/15/2020 |  |  | 1<br> B<br> A<br> C |  | AL | Second Home | Purchase | Lender to provide updated ATR/QM status<br> C<br> A | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 57802085 | 34979242 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | No evidence was provided as to when borrower received a copy of the appraisal. |  |  |  |  |  |  |  | 2<br> B |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57802085 | 34979244 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXXX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Initial escrow payment shown on page 2 is XXXXX but shown as XXXXX (which includes amount paid by seller and lender) on page 4. |  |  |  |  |  |  |  | 2<br> B |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 57802085 | 34979247 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2020-01-14): XXXXX | 01/14/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57802085 | 34979248 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | PUD Rider is missing. |  |  |  | Reviewer Comment (2020-01-15): XXXXX | 01/15/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57802085 | 34979249 |  | 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 ___. | Reserves are less than GL however lender exception granted with compensating factors. | 24 months of housing history provided > 0 months required.<br>Borrower had a deposit of XXXXX in cash on hand lender could not use per guidelines which would give the borrower 7 months reserves if they could use it.<br>Borrower has unverified income from XXX for last 2 years, wasn't able to get transcripts in time. 2 year average of XXXXX which P&L supports. |  | Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2020-01-09): XXXXX |  |  | 01/09/2020 | 2<br> B |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52243003 | 34979255 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Mortgage Broker Fee was not disclosed on Loan Estimate. The rate lock was a valid COC. Cure of XXXXX was reflected, which is insufficient to cure XXXXX. Provide a post-close CD disclosing the tolerance cure of XXXXX, a copy of the refund check for remaining cure of XXXXX, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-01-22): XXXXX | 01/22/2020 |  |  | 1<br> C<br> A |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 52243003 | 34979256 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Verification Of Employment Fee was not disclosed on Loan Estimate. No valid COC provided, cure was provided at closing. |  |  |  | Reviewer Comment (2020-01-09): XXXXX |  | 01/09/2020 |  | 2<br> C<br> B |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 52243003 | 34979258 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXXX moderately exceeds the guideline maximum of XXXXX . (DTI Exception is eligible to be regraded with compensating factors.) | DTI of XXXXX is > guideline allowable DTI of XXXXX . | Borrower on this full documentation loan has a disposable income of XXXXX Minimum XXXXX required.<br>80.00% LTV < 85.00% LTV allowed. |  | Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2020-01-09): XXXXX |  |  | 01/09/2020 | 2<br> B |  | VA | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52243003 | 34979259 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | DTI of XXXXX is > guideline allowable DTI of XXXXX . Lender exception is in the file. | Borrower on this full documentation loan has a disposable income of XXXXX Minimum XXXXX required.<br>80.00% LTV < 85.00% LTV allowed. |  | Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2020-01-09): XXXXX |  |  | 01/09/2020 | 2<br> B |  | VA | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58927964 | 34979266 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | FL | Primary | Purchase | C<br> B<br> A | Higher Priced QM | Higher Priced QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58927964 | 34979267 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as XXXXX on LE but disclosed as XXXXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure of XXXXX, copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-01-15): XXXXX | 01/15/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Higher Priced QM | Higher Priced QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50697494 | 34979271 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXXX moderately exceeds the guideline maximum of XXXXX . (DTI Exception is eligible to be regraded with compensating factors.) | 53.5% DTI is > guideline allowable DTI of XXXXX . Lender exception is in the file. | Borrower on this full documentation loan has a disposable income of XXXXX Minimum XXXXX required.<br>23.7 months reserves > 3 months guideline minimum - borrowers have verified reserves of XXXXX<br>55.88% LTV < 80.00% guideline max |  | Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2020-01-10): XXXXX |  |  | 01/10/2020 | 2<br> B |  | TX | Primary | Purchase | B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50697494 | 34979272 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | 53.5% DTI is > guideline allowable DTI of XXXXX . | Borrower on this full documentation loan has a disposable income of XXXXX Minimum XXXXX required.<br>23.7 months reserves > 3 months guideline minimum - borrowers have verified reserves of XXXXX<br>55.88% LTV < 80.00% guideline max |  | Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2020-01-10): XXXXX |  |  | 01/10/2020 | 2<br> B |  | TX | Primary | Purchase | B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53195007 | 34979274 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of when the borrower was provided a copy of the appraisal was not provided. |  |  |  |  |  |  |  | 2<br> B |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53195007 | 34979276 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as XXXXX on LE but disclosed as XXXXX on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2020-01-14): XXXXX |  | 01/14/2020 |  | 2<br> C<br> B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 52725576 | 34979283 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of when borrower was provided a copy of the appraisal was not provided. |  |  |  |  |  |  |  | 2<br> B |  | NJ | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52725576 | 34979285 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXXX moderately exceeds the guideline maximum of XXXXX . (DTI Exception is eligible to be regraded with compensating factors.) | Calculated investor qualifying total debt ratio of XXXXX exceeds Guideline total debt ratio of XXXXX . | 11.5 months reserves > 3 months guideline minimum - borrowers have verified reserves of XXXXX<br>80.00% LTV < 85.00% LTV allowed. |  | Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2020-01-14): XXXXX |  |  | 01/14/2020 | 2<br> B |  | NJ | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52725576 | 34979286 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XXXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) | The file was missing a copy of the Seller's Disclosure. |  |  |  | Reviewer Comment (2020-01-29): XXXXX | 01/29/2020 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 52725576 | 34979287 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of XXXXX exceeds Guideline total debt ratio of XXXXX . | 11.5 months reserves > 3 months guideline minimum - borrowers have verified reserves of XXXXX<br>80.00% LTV < 85.00% LTV allowed. |  | Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2020-01-14): XXXXX |  |  | 01/14/2020 | 2<br> B |  | NJ | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56581252 | 34979295 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as XXXXX on page 4; however the annual HOA dues total XXXXX per year. Provide a post-close CD correcting the Escrow Account section on page 4; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-02-05): XXXXX |  | 02/05/2020 |  | 2<br> C<br> B |  | WA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 58305499 | 34979299 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | File was missing a copy of the Initial Escrow Account Disclosure. |  |  |  |  |  |  |  | 2<br> B |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58305499 | 34979302 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower has less than 12 months consecutive payment history. | - | Guidelines require verification of no more than 1x30 in most recent 12 months on all rental histories. The borrowers have rented the departing residence for 3 years and 2 months; however, the file only contains 6 months of bank statements. Provide an additional 6 months of rental history to meet the guideline requirements of 12 months. |  |  |  | Reviewer Comment (2020-02-03): XXXXX | 02/03/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58305499 | 34979303 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: Closing Disclosure is incomplete |  | The Post-Close Closing Disclosure dated XXXXX is missing page 4. |  |  |  | Reviewer Comment (2020-02-26): XXXXX | 02/26/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58305499 | 34979304 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58305499 | 34979305 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXXX or Final Disclosure APR of XXXXX is in excess of allowable threshold of APOR XXXXX + XX.XX%, or XXXXX . Non-Compliant Higher Priced Mortgage Loan. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2020-02-26): XXXXX | 02/26/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58305499 | 34979306 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2020-02-26): XXXXX<br>Reviewer Comment (2020-01-30): XXXXX | 02/26/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58816737 | 34979310 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Erroneous Reg ID XXXXX A portion of the transfer tax was seller paid, and is customarily paid by Seller in the state of XXXXX The borrower paid portion was properly disclosed. |  |  |  | Reviewer Comment (2020-02-07): XXXXX | 02/07/2020 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 58932627 | 34979317 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Fee disclosed was increased from XXXXX to XXXXX on LE'S. File does not contain a valid COC for this fee. Cure in the amount of XXXXX was not provided. Provide a post-close CD disclosing the tolerance cure of XXXXX, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-01-30): XXXXX | 01/30/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Higher Priced QM | Higher Priced QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 58932627 | 34979319 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Higher Priced QM | Higher Priced QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56409404 | 34979321 |  | Compliance | Compliance | State Compliance | State HPML | XXXXX Rate Spread Threshold Test Compliant | XXXXX Rate Spread Home Loan: APR on subject loan of XXXXX or Final Disclosure APR of XXXXX is in excess of allowable threshold of APOR XXXXX + XX.XX%, or XXXXX . Compliant Rate Spread Home Loan. |  |  |  |  |  |  |  |  | 2<br> B<br> A |  | NC | Primary | Purchase | Within 90 days of closing and prior to institution of any action against the lender, (1) notify the borrower, and (2) make appropriate restitution at the option of the borrower to either (a) make the loan comply with prohibited acts and practices or (b) change the terms of the loan in a manner beneficial to the borrower so the loan is no longer rate spread.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery, provide:<br> (1) Legal opinion from originating lender with loan-specific details on how a rate spread home loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-rate spread loan or (b) keep loan as a rate spread loan and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place.<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56815905 | 34979324 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | FL | Investment | Refinance - Rate/Term | C<br> B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56815905 | 34979326 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of XXXXX exceeds Guideline total debt ratio of XXXXX . | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Guideline variance approved by lender at time of origination | 139.21 months reserves > 6 months required. Borrower has verified assets of XXXXX<br>Borrower on this full documentation loan has disposable income of XXXXX Minimum XXXXX required. | XXX,Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2020-02-26): XXXXX<br>Reviewer Comment (2020-02-14): XXXXX<br>Reviewer Comment (2020-02-07): XXXXX |  |  | 02/26/2020 | 2<br> C<br> B |  | FL | Investment | Refinance - Rate/Term | C<br> B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56815905 | 34979327 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to excessive DTI. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2020-02-26): XXXXX<br>Reviewer Comment (2020-02-14): XXXXX<br>Reviewer Comment (2020-02-07): XXXXX | 02/26/2020 |  |  | 1<br> C<br> A |  | FL | Investment | Refinance - Rate/Term | C<br> B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56815905 | 34979328 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXXX moderately exceeds the guideline maximum of XXXXX . (DTI Exception is eligible to be regraded with compensating factors.) | Calculated investor qualifying total debt ratio of 45.67% exceeds Guideline total debt ratio of XXXXX . | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Guideline variance approved by lender at time of origination | 139.21 months reserves > 6 months required. Borrower has verified assets of XXXXX<br>Borrower on this full documentation loan has disposable income of XXXXX Minimum XXXXX required. | XXX,Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2020-02-26): XXXXX<br>Reviewer Comment (2020-02-14): XXXXX<br>Reviewer Comment (2020-02-07): XXXXX |  |  | 02/26/2020 | 2<br> C<br> B |  | FL | Investment | Refinance - Rate/Term | C<br> B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56815905 | 34979329 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property submitted as Non-QM / Exempt from ATR | Ability to Repay (Dodd-Frank XXXXX): Improper Originator Loan Designation. Investment property not subject to Ability to Repay requirements. | The property is an investment property. Investment properties are not subject to Ability to Repay requirements. |  |  |  |  |  |  |  | 2<br> B |  | FL | Investment | Refinance - Rate/Term | C<br> B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56815905 | 34979330 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. | Fee disclosed was last disclosed as XXXXX on LE but disclosed as XXXXX on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  |  |  | 01/28/2020 |  | 1<br> A |  | FL | Investment | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Non QM | N/A | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 56815905 | 34979331 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | The owner on the appraisal is incorrect. | - | The appraisal report reflects the prior owner as the Owner of Public Record. |  |  |  | Reviewer Comment (2020-02-07): XXXXX | 02/07/2020 |  |  | 1<br> C<br> A |  | FL | Investment | Refinance - Rate/Term | C<br> B<br> A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53929588 | 34979334 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | The file was missing a copy of the Initial Escrow Account Disclosure. |  |  |  |  |  |  |  | 2<br> B |  | NJ | Second Home | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53929588 | 34979337 |  | Credit | Asset | Asset Documentation | Asset | Aged document: Asset Account date is more than 90 days prior to the note. | - | The lender used the life insurance surrender value to qualify the loan; however, the statement provided has a period ending date of XXXXX which is greater than 90 days at the time of the Note date. |  |  |  | Reviewer Comment (2020-02-20): XXXXX | 02/20/2020 |  |  | 1<br> C<br> A |  | NJ | Second Home | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58173915 | 34979338 |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  |  | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58173915 | 34979340 |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  |  |  |  |  |  |  |  |  | 3<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58173915 | 34979341 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History - Current and/or Previous Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank XXXXX): Missing Employment Dates to verify two years employment history for current and/or prior employment. | Start/End date of previous employment not verified. |  |  |  |  |  |  |  | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58173915 | 34979342 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58173915 | 34979344 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on XXXXX contains a change in APR, loan product or addition of prepayment penalty and was not received by borrower at least three (3) business days prior to consummation | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2020-03-02): XXXXX<br>Reviewer Comment (2020-02-25): XXXXX | 03/02/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55969736 | 34979347 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as XXXXX on LE but disclosed as XXXXX on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2020-02-03): XXXXX |  | 02/03/2020 |  | 2<br> C<br> B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 55969736 | 34979348 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for XXXXX . Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee. Cure of XXXXX was reflected; however, this cure was for the appraisal fee increase. Provide a post-close CD disclosing the tolerance cure of XXXXX, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-02-11): XXXXX | 02/11/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 55969736 | 34979350 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of XXXXX exceeds Guideline total debt ratio of XXXXX . | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrower has verified disposable income of at least XXXXX | 120.60 months reserves > 9 months guideline minimum - borrowers have verified reserves of XXXXX<br>Borrower on this full documentation loan has a disposable income of XXXXX > guideline requirement of XXXXX | XXX,Originator Pre-Close<br>Originator Pre-Close,XXX | Reviewer Comment (2020-02-03): XXXXX |  |  | 02/03/2020 | 2<br> B |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55969736 | 34979351 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXXX moderately exceeds the guideline maximum of XXXXX . (DTI Exception is eligible to be regraded with compensating factors.) | Calculated investor qualifying total debt ratio of XXXXX exceeds Guideline total debt ratio of XXXXX . | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrower has verified disposable income of at least XXXXX | 120.60 months reserves > 9 months guideline minimum - borrowers have verified reserves of XXXXX<br>Borrower on this full documentation loan has a disposable income of XXXXX > guideline requirement of XXXXX | XXX,Originator Pre-Close<br>Originator Pre-Close,XXX | Reviewer Comment (2020-02-03): XXXXX |  |  | 02/03/2020 | 2<br> B |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55969736 | 34979352 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XXXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely XXXXX result in additional fee tolerance violations. | Disclosures were sent to borrower prior to obtain consent for electronic disclosure from borrower. Lender to provide proof of consent within initial 3 days of application OR proof of disclosure sent to borrower using another method within 3 days of application. Note: If neither step was completed exception will be an EV3-C for 12 months post consummation based on SOL. |  |  |  | Reviewer Comment (2020-02-11): XXXXX | 02/11/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55969736 | 34979353 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by XXXXX. Provide updated policy reflecting minimum coverage of XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2020-02-21): XXXXX<br>Reviewer Comment (2020-02-19): XXXXX | 02/21/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50887932 | 34979354 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Appendix Q Liabilities - Payments by other party | Qualified Mortgage (Dodd-Frank XXXXX): One or more liabilities have been excluded from DTI calculation for a prohibited reason ("Payments by other party"). | Borrower has two auto leases that are being paid by the borrower's business and were excluded from the DTI calculation. Payments paid by another party is not an acceptable exclusion reason per Appendix Q. |  |  |  | Reviewer Comment (2020-02-06): XXXXX | 02/06/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50887932 | 34979355 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2020-02-06): XXXXX |  |  |  | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50887932 | 34979356 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Non QM. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2020-02-06): XXXXX | 02/06/2020 |  |  | 1<br> B<br> A<br> C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Higher Priced QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50887932 | 34979357 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. | Fee disclosed was last disclosed as XXXXX on LE but disclosed as XXXXX on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  |  |  | 01/30/2020 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Higher Priced QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50887932 | 34979358 |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  |  | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50887932 | 34979360 |  | Credit | Guideline | Guideline Issue | Guideline | File does not contain two full appraisals as required per guidelines. |  | Guidelines require a full second appraisal to be provided when the loan amount is greater than XXXXX The file is missing a copy of the required second appraisal. |  |  |  | Reviewer Comment (2020-02-06): XXXXX | 02/06/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50887932 | 34979361 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income Method of Calculation | Qualified Mortgage (Dodd-Frank XXXXX): The Method used to calculate the qualifying monthly income is not supported by the earnings history/trend. | Earnings increased and Qualifying Method < 2 years. Lender used YTD P&L and XXXXX for income calculation which does not meet Appendix Q guides. |  |  |  | Reviewer Comment (2020-02-06): XXXXX | 02/06/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50887932 | 34979363 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  |  | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50887932 | 34979364 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank XXXXX): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client restated Loan designation as Non-QM. |  |  |  |  |  |  |  | 2<br> A<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50773671 | 34979367 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other | B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50773671 | 34979370 |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  | File is missing Evidence of Taxpayer Consent. |  |  |  |  |  |  |  | 3<br> B |  | CA | Primary | Refinance - Cash-out - Other | B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50773671 | 34979371 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Calculated investor qualifying disposable income of ___ is less than AUS required disposable income of ___. | Lender used compensating factors to approve this exception. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines. | Loan requires 6 months and borrower has 15 months. | Originator Pre-Close,XXX | Reviewer Comment (2020-02-03): XXXXX |  |  | 02/03/2020 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other | B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50208720 | 34979372 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2020-02-14): XXXXX | 02/14/2020 |  |  | 1<br> A |  | CA | Primary | Purchase | B<br> A | Higher Priced QM | Higher Priced QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50208720 | 34979378 |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | Preliminary Title did not contain Policy Coverage amount. |  |  |  | Reviewer Comment (2020-02-14): XXXXX | 02/14/2020 |  |  | 1<br> B<br> A |  | CA | Primary | Purchase | B<br> A | Higher Priced QM | Higher Priced QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56388774 | 34979381 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of XXXXX exceeds Guideline total debt ratio of XXXXX . | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Guideline variance approved by lender at time of origination. | 19.26 months reserves > 3 months guideline minimum - borrowers have verified reserves of XXXXX<br>72.2% LTV < 80% guideline max | XXX,Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2020-02-06): XXXXX |  |  | 02/06/2020 | 2<br> B |  | FL | Primary | Refinance - Rate/Term | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56388774 | 34979382 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXXX moderately exceeds the guideline maximum of XXXXX . (DTI Exception is eligible to be regraded with compensating factors.) | Calculated investor qualifying total debt ratio of XXXXX exceeds Guideline total debt ratio of XXXXX . | Guideline variance approved by lender at time of origination.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines. | 72.2% LTV < 80% guideline max<br>19.26 months reserves > 3 months guideline minimum - borrowers have verified reserves of XXXXX | Originator Pre-Close<br>XXX,Originator Pre-Close | Reviewer Comment (2020-02-06): XXXXX |  |  | 02/06/2020 | 2<br> B |  | FL | Primary | Refinance - Rate/Term | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56388774 | 34979383 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. |  | Missing page 1 of 4 of the insurance declarations page, unable to determine the coverage amount. |  |  |  | Reviewer Comment (2020-02-11): XXXXX | 02/11/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Rate/Term | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56388774 | 34979385 |  | Credit | Guideline | Guideline Issue | Guideline | Gift Funds not allowable per guidelines. |  | Guidelines reflect gifts are only allowed to be used on purchase transactions; however, the loan was approved using gift funds on a rate and term refinance transaction. | Guideline variance approved by lender at time of origination.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines. | 72.2% LTV < 80% guideline max<br>19.26 months reserves > 3 months guideline minimum - borrowers have verified reserves of XXXXX | Originator Pre-Close<br>XXX,Originator Pre-Close | Reviewer Comment (2020-02-06): XXXXX |  |  | 02/06/2020 | 2<br> B |  | FL | Primary | Refinance - Rate/Term | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52792326 | 34979386 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as XXXXX on LE but disclosed as XXXXX on Final Closing Disclosure. File does not contain a valid COC for this fee. Cure for 0% tolerance violations in the amount of XXXXX was not provided. Provide a post-close CD disclosing the tolerance cure of XXXXX, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-02-19): XXXXX<br>Reviewer Comment (2020-02-12): XXXXX | 02/19/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 52792326 | 34979387 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee. Cure for 0% tolerance violations in the amount of XXXXX was not provided. Provide a post-close CD disclosing the tolerance cure of XXXXX, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-03-12): XXXXX<br>Reviewer Comment (2020-03-03): XXXXX<br>Reviewer Comment (2020-02-19): XXXXX<br>Reviewer Comment (2020-02-12): XXXXX |  | 03/12/2020 |  | 2<br> C<br> B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 52792326 | 34979390 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52792326 | 34979391 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of XXXXX is less than amount of binding Lender Credit previously disclosed in the amount of XXXXX. | Fee disclosed was last disclosed as - XXXXX on LE but disclosed as XXXXX on Final Closing Disclosure. File does not contain a valid COC for this fee. Cure for 0% tolerance violations in the amount of XXXXX was not provided. Provide a post-close CD disclosing the tolerance cure of XXXXX, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-02-19): XXXXX | 02/19/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 52792326 | 34979392 |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  | The file is missing TaxPayer consent. |  |  |  |  |  |  |  | 3<br> B |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52792326 | 34979393 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56782731 | 34979396 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | The PUD rider is missing from the loan file. |  |  |  | Reviewer Comment (2020-02-11): XXXXX | 02/11/2020 |  |  | 1<br> C<br> A |  | UT | Primary | Purchase | C<br> A | Higher Priced QM | Higher Priced QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56782731 | 34979397 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed XXXXX of title insurance coverage; however this is less than the loan amount of XXXXX. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2020-02-20): XXXXX | 02/20/2020 |  |  | 1<br> C<br> A |  | UT | Primary | Purchase | C<br> A | Higher Priced QM | Higher Priced QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56782731 | 34979400 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee. Cure for 0% tolerance violation in the amount of XXXXX was not provided. Provide a post-close CD disclosing the tolerance cure of XXXXX, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-02-13): XXXXX | 02/13/2020 |  |  | 1<br> C<br> A |  | UT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Higher Priced QM | Higher Priced QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 51701562 | 34979404 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | CA | Primary | Purchase | C<br> B | Higher Priced QM | Higher Priced QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51701562 | 34979405 |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  |  | 2<br> B |  | CA | Primary | Purchase | C<br> B | Higher Priced QM | Higher Priced QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51701562 | 34979406 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower does not meet guideline requirements for a Non-Permanent Resident Alien or Foreign National. | - Citizenship: ___ | When using Employment Authorization Documents to verify the non-permanent resident alien status, copies of the current and previous EAD cards are required when the borrower has been within the US for 2 years or more. The file contains an EAD card dated from XXXXX - XXXXX. The loan application date is XXXXX; therefore, the EAD card was expired at the time of the application. A current EAD card is required. |  |  |  | Reviewer Comment (2020-02-20): XXXXX | 02/20/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> B | Higher Priced QM | Higher Priced QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51701562 | 34979407 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | - | The appraisal was not in the name of the lender. HPML/Safe Harbor requires correct lender to be identified. Provide a revised appraisal correcting the client. |  |  |  |  |  |  |  | 2<br> B |  | CA | Primary | Purchase | C<br> B | Higher Priced QM | Higher Priced QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59596710 | 34979408 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Loan amount of XXXXX is less than Guideline minimum requirement of XXXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrower has verified disposable income of at least XXXXX<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | 10.35 months reserves > 3 months required. Borrower has verified assets of XXXXX<br>Borrower on this full documentation loan has disposable income of XXXXX Minimum XXXXX required.<br>66.67% LTV < 80.00% max LTV allowed. | Originator Pre-Close,XXX<br>Originator Pre-Close,XXX<br>Originator Pre-Close,XXX | Reviewer Comment (2020-02-28): XXXXX<br>Reviewer Comment (2020-02-18): XXXXX |  |  | 02/28/2020 | 2<br> C<br> B |  | FL | Second Home | Purchase | C<br> B<br> A | Higher Priced QM | Higher Priced QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59596710 | 34979410 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | No evidence found in loan file of when appraisal provided to borrower. |  |  |  |  |  |  |  | 2<br> B |  | FL | Second Home | Purchase | C<br> B<br> A | Higher Priced QM | Higher Priced QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59596710 | 34979411 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on XXXXX contains a change in APR, loan product or addition of prepayment penalty and was not received by borrower at least three (3) business days prior to consummation | The APR increased on the final CD and an interim CD was not disclosed or provided to the borrower at least three business days prior to consummation |  |  |  | Reviewer Comment (2020-02-19): XXXXX | 02/19/2020 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase | No Defined Cure<br> C<br> B<br> A | Higher Priced QM | Higher Priced QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59596710 | 34979413 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as XXXXX on LE but disclosed as XXXXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2020-02-19): XXXXX | 02/19/2020 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Higher Priced QM | Higher Priced QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 57915199 | 34979416 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial Escrow Deposit Disclosure disclosed initial escrow deposit as XXXXX. Final CD reflects initial escrow deposit of XXXXX. Lender to provide corrected initial escrow deposit disclosure. |  |  |  |  |  |  |  | 2<br> B |  | FL | Second Home | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required.<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 57915199 | 34979418 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for XXXXX . Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure of XXXXX, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-02-19): XXXXX | 02/19/2020 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 57915199 | 34979419 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The investor requires a signed 4506t from the borrower, either at application or closing, however, the signed 4506t for the borrower is missing from the loan file. (The 4506t for the business is present.) |  |  |  | Reviewer Comment (2020-02-18): XXXXX | 02/18/2020 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54458443 | 34979420 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on XXXXX contains a change in APR, loan product or addition of prepayment penalty and was not received by borrower at least three (3) business days prior to consummation | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2020-02-25): XXXXX | 02/25/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54458443 | 34979422 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Fee was not disclosed on Loan Estimate. COC with change date of XXXXX in file showing CD issued on XXXXX. This CD was not provided. Cure for 0% tolerance violations in the amount of XXXXX was not provided. Provide a post-close CD disclosing the tolerance cure of XXXXX, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-02-25): XXXXX | 02/25/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 54458443 | 34979423 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53540754 | 34979428 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus 10% or XXXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 02/10/2020 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure<br> D<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 53540754 | 34979429 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing copies of the lease(s) for the properties at XXXXX and XXXXX |  |  |  | Reviewer Comment (2020-03-05): XXXXX<br>Reviewer Comment (2020-02-27): XXXXX<br>Reviewer Comment (2020-02-20): XXXXX | 03/05/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | D<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53540754 | 34979430 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Per the guidelines, Rental Income on vacated property can be used if: There is sufficient equity in the vacated property. The borrower must have at least 25% equity in the vacated property as determined by a current (no more than 6 months old) appraisal or by comparing the unpaid principal balance to the original sales price of the property. Appraisal form must be at a minimum Form 2055 Exterior or Form 1073 for condominiums. An AVM XXXXX be used in lieu of the appraised value if the loan is marked as Non-QM. These were not provided in the loan file. |  |  |  | Reviewer Comment (2020-03-03): XXXXX<br>Reviewer Comment (2020-02-24): XXXXX | 03/03/2020 |  |  | 1<br> D<br> A |  | CA | Primary | Purchase | D<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53540754 | 34979431 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | CA | Primary | Purchase | D<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53540754 | 34979432 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | CA | Primary | Purchase | D<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53540754 | 34979433 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | CA | Primary | Purchase | D<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53540754 | 34979434 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXXX moderately exceeds the guideline maximum of XXXXX . (DTI Exception is eligible to be regraded with compensating factors.) | DTI of XXXXX is > guideline allowable DTI of XXXXX . Lender exception is in the loan file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXXX<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Guideline variance approved by lender at time of origination | 70% LTV < 80% LTV allowed.<br>Borrower on this full documentation loan has disposable income of XXXXX Minimum XXXXX required. | XXX<br>XXX<br>XXX<br>XXX<br>XXX<br>Originator Pre-Close,XXX<br>XXX<br>Originator Pre-Close | Reviewer Comment (2020-02-12): XXXXX |  |  | 02/12/2020 | 2<br> B |  | CA | Primary | Purchase | D<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53540754 | 34979435 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | DTI of XXXXX is > guideline allowable DTI of XXXXX . Lender exception is in the loan file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXXX<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Guideline variance approved by lender at time of origination | 70% LTV < 80% LTV allowed.<br>Borrower on this full documentation loan has disposable income of XXXXX Minimum XXXXX required. | XXX<br>XXX<br>XXX<br>XXX<br>XXX<br>Originator Pre-Close,XXX<br>XXX<br>Originator Pre-Close | Reviewer Comment (2020-02-12): XXXXX |  |  | 02/12/2020 | 2<br> B |  | CA | Primary | Purchase | D<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53540754 | 34979436 |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  |  | 2<br> B |  | CA | Primary | Purchase | D<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53540754 | 34979437 |  | Compliance | Compliance | Federal Compliance | TRID | TRID non-compliant: Missing Seller's Closing Disclosure. |  | The Seller CD is missing from the loan file. |  |  |  |  |  |  |  | 2<br> B |  | CA | Primary | Purchase | Good Faith Redisclosure<br> D<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50815960 | 34979438 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50815960 | 34979442 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as XXXXX on LE but disclosed as XXXXX on Final Closing Disclosure. File does not contain a valid COC for this fee. Cure for 0% tolerance violation in the amount of XXXXX was not provided. Provide a post-close CD disclosing the tolerance cure of XXXXX, copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-03-06): XXXXX<br>Reviewer Comment (2020-02-28): XXXXX<br>Reviewer Comment (2020-02-21): XXXXX | 03/06/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 57543560 | 34979445 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | NM | Investment | Purchase | B<br> A | Higher Priced QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57543560 | 34979449 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM | Qualified Mortgage (Dodd-Frank XXXXX): Improper Originator Loan Designation. Investment property not subject to Qualified Mortgage requirements. | Lender designated investment property as QM Rebuttable Presumption. |  |  |  |  |  |  |  | 2<br> B |  | NM | Investment | Purchase | B<br> A | Higher Priced QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50708232 | 34979450 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2020-03-02): XXXXX | 03/02/2020 |  |  | 1<br> A |  | FL | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50708232 | 34979451 |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  | Tax documents provided dated XXXXX, evidence of taxpayer consent not provided. |  |  |  |  |  |  |  | 3<br> B |  | FL | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50708232 | 34979452 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as XXXXX on LE but disclosed as XXXXX on Final Closing Disclosure. File does not contain a valid COC for this fee. Cure of XXXXX was reflected, which is insufficient to cure XXXXX. Provide a post-close CD disclosing the tolerance cure of XXXXX, a copy of the refund check for remaining cure of XXXXX, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-03-02): XXXXX | 03/02/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50708232 | 34979453 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for XXXXX . Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee. Cure of XXXXX was reflected, which is insufficient to cure XXXXX. Provide a post-close CD disclosing the tolerance cure of XXXXX, a copy of the refund check for remaining cure of XXXXX, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-02-25): XXXXX | 02/25/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50708232 | 34979454 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as XXXXX on LE but disclosed as XXXXX on Final Closing Disclosure. File does not contain a valid COC for this fee. Cure of XXXXX was reflected, which is insufficient to cure XXXXX. Provide a post-close CD disclosing the tolerance cure of XXXXX, a copy of the refund check for remaining cure of XXXXX, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-03-02): XXXXX | 03/02/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50708232 | 34979455 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as XXXXX on LE but disclosed as XXXXX on Final Closing Disclosure. File does not contain a valid COC for this fee. Cure of XXXXX was reflected, which is insufficient to cure XXXXX. Provide a post-close CD disclosing the tolerance cure of XXXXX, a copy of the refund check for remaining cure of XXXXX, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-03-02): XXXXX | 03/02/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50708232 | 34979456 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed XXXXX of title insurance coverage; however this is less than the loan amount of XXXXX. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2020-03-02): XXXXX | 03/02/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50708232 | 34979457 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for MERS Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee. Cure of XXXXX was reflected, which is insufficient to cure XXXXX. Provide a post-close CD disclosing the tolerance cure of XXXXX, a copy of the refund check for remaining cure of XXXXX, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-02-24): XXXXX | 02/24/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50708232 | 34979458 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank XXXXX): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Initial application dated XXXXX and List of Home ownership Counseling Agencies is dated XXXXX |  |  |  |  |  |  |  | 2<br> B |  | FL | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50708232 | 34979459 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. | XXXXX sufficient cure shown on final Closing Disclosure. |  |  |  |  |  | 03/02/2020 |  | 1<br> A |  | FL | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50708232 | 34979460 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. | XXXXX sufficient cure shown on final Closing Disclosure. |  |  |  |  |  | 03/02/2020 |  | 1<br> A |  | FL | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 51170762 | 34979461 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXXX did not disclose the Monthly Escrow Payment. | Loan will not have an escrow account and incorrectly disclosed on Final CD as having one. |  |  |  | Reviewer Comment (2020-03-04): XXXXX<br>Reviewer Comment (2020-02-25): XXXXX |  | 03/04/2020 |  | 2<br> C<br> B |  | FL | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 51170762 | 34979462 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXXX incorrectly disclosed whether the loan will have an escrow account. | Loan will not have an escrow account and incorrectly disclosed on Final CD as having one. |  |  |  | Reviewer Comment (2020-03-02): XXXXX<br>Reviewer Comment (2020-02-25): XXXXX |  | 03/02/2020 |  | 2<br> C<br> B |  | FL | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 51170762 | 34979463 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXXX incorrectly disclosed whether the loan will have an escrow account. | Loan will not have an escrow account and incorrectly disclosed on Final CD as having one. |  |  |  | Reviewer Comment (2020-03-02): XXXXX<br>Reviewer Comment (2020-02-25): XXXXX |  | 03/02/2020 |  | 2<br> C<br> B |  | FL | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 51170762 | 34979468 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | FL | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57005897 | 34979472 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The final 1003 reflects HOA payments of XXXXX per month for the borrowers' primary residence; however, he file was missing the HOA verification. |  |  |  | Reviewer Comment (2020-02-27): XXXXX | 02/27/2020 |  |  | 1<br> C<br> A |  | VA | Investment | Refinance - Cash-out - Other | C<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57005897 | 34979474 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax Fee was last disclosed as XXXXX on LE but disclosed as XXXXX on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  |  |  | 02/20/2020 |  | 1<br> A |  | VA | Investment | Refinance - Cash-out - Other | Final CD evidences Cure<br> C<br> A | N/A | N/A | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 56618526 | 34979475 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2020-03-02): XXXXX | 03/02/2020 |  |  | 1<br> A |  | NJ | Investment | Purchase | C<br> B<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56618526 | 34979476 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed XXXXX of title insurance coverage; however this is less than the loan amount of XXXXX. Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2020-03-02): XXXXX | 03/02/2020 |  |  | 1<br> C<br> A |  | NJ | Investment | Purchase | C<br> B<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56618526 | 34979479 |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  |  |  |  |  |  |  |  |  | 3<br> B |  | NJ | Investment | Purchase | C<br> B<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56618526 | 34979480 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of XXXXX exceeds Guideline total debt ratio of XXXXX . | Borrower has verified disposable income of at least XXXXX<br>Guideline variance approved by lender at time of origination | Borrower on this full documentation loan has disposable income of XXXXX Minimum XXXXX required.<br>Borrower provided 25 months of housing history > 12 months required. | XXX,Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2020-02-21): XXXXX |  |  | 02/21/2020 | 2<br> B |  | NJ | Investment | Purchase | C<br> B<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50154373 | 34979481 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed XXXXX of title insurance coverage; however this is less than the loan amount of XXXXX. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2020-02-27): XXXXX | 02/27/2020 |  |  | 1<br> C<br> A |  | UT | Investment | Refinance - Rate/Term | C<br> B<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50154373 | 34979482 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2020-02-27): XXXXX | 02/27/2020 |  |  | 1<br> A |  | UT | Investment | Refinance - Rate/Term | C<br> B<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50154373 | 34979483 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | UT | Investment | Refinance - Rate/Term | C<br> B<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50154373 | 34979484 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 02/24/2020 |  | 1<br> A |  | UT | Investment | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | N/A | N/A | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50154373 | 34979485 |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  | The file is missing evidence of taxpayer consent. |  |  |  |  |  |  |  | 3<br> B |  | UT | Investment | Refinance - Rate/Term | C<br> B<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50154373 | 34979486 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | REO Documents Missing: \*\*\*XXXXX, provide evidence of 2nd lien. \*\*\*XXXXX was just refinanced with XXXXX - note date XXXXX but unable to find evidence of this payment. Provide evidence of PITIA payment for this property. |  |  |  | Reviewer Comment (2020-02-27): XXXXX | 02/27/2020 |  |  | 1<br> C<br> A |  | UT | Investment | Refinance - Rate/Term | C<br> B<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59549550 | 34979497 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by XXXXX. Provide updated policy reflecting minimum coverage of XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2020-03-13): XXXXX | 03/13/2020 |  |  | 1<br> C<br> A |  | OR | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59549550 | 34979499 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXXX moderately exceeds the guideline maximum of XXXXX . (DTI Exception is eligible to be regraded with compensating factors.) | DTI exceeds guideline max under 5%. | Guideline variance approved by lender at time of origination<br>Borrower has verified disposable income of at least XXXXX | Borrowers had 0X30 day mortgage lates in the prior 24 months when only 12 months was required.<br>Borrower on this full documentation loan has a disposable income of XXXXX > guideline requirement of XXXXX | Originator Pre-Close<br>Originator Pre-Close,XXX | Reviewer Comment (2020-02-27): XXXXX |  |  | 02/27/2020 | 2<br> B |  | OR | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59549550 | 34979500 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial CD is required to be received by borrower at least 3 days prior to closing. Based on documentation in file, Initial CD was not received by borrower the borrower at least 3 business days prior to the closing. Evidence of earlier receipt of CD was not located in file. |  |  |  | Reviewer Comment (2020-03-04): XXXXX | 03/04/2020 |  |  | 1<br> C<br> A |  | OR | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59549550 | 34979501 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as XXXXX on LE but disclosed as XXXXX on Final Closing Disclosure. File does not contain a valid COC for this fee. Cure was provided at closing. |  |  |  | Reviewer Comment (2020-02-27): XXXXX |  | 02/27/2020 |  | 2<br> C<br> B |  | OR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 59549550 | 34979502 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for XXXXX . Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | XXXXX Fee was not disclosed on Loan Estimate but disclosed as XXXXX on Final Closing Disclosure. File does not contain a valid COC for this fee. Cure of XXXXX was reflected, which is insufficient to cure XXXXX. Provide a post-close CD disclosing the tolerance cure of XXXXX, a copy of the refund check for remaining cure of XXXXX, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-03-10): XXXXX<br>Reviewer Comment (2020-03-04): XXXXX | 03/10/2020 |  |  | 1<br> C<br> A |  | OR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 59549550 | 34979503 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of XXXXX exceeds Guideline total debt ratio of XXXXX . | Guideline variance approved by lender at time of origination<br>Borrower has verified disposable income of at least XXXXX | Borrowers had 0X30 day mortgage lates in the prior 24 months when only 12 months was required.<br>Borrower on this full documentation loan has a disposable income of XXXXX > guideline requirement of XXXXX | Originator Pre-Close<br>Originator Pre-Close,XXX | Reviewer Comment (2020-02-27): XXXXX |  |  | 02/27/2020 | 2<br> B |  | OR | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59549550 | 34979504 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | OR | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59549550 | 34979506 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure shown on final Closing Disclosure. |  |  |  |  |  | 03/10/2020 |  | 1<br> A |  | OR | Primary | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 56610173 | 34979507 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as XXXXX on page 4; however the annual homeowners association dues are XXXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of XXXXX monthly, correct amount is XXXXX Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-04-01): XXXXX | 04/01/2020 |  |  | 1<br> C<br> A |  | NV | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 56610173 | 34979510 |  | Credit | System | General | System | Security Instrument address does not match Note address. |  | Both the Security Instrument and the Note reflect an address of XXXXX, however, the correct address is : XXXXX. Both the Note and the Security Instrument require correction. |  |  |  | Reviewer Comment (2020-03-31): XXXXX | 03/31/2020 |  |  | 1<br> C<br> A |  | NV | Second Home | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56610173 | 34979511 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Street address is blank. |  | Both the Security Instrument and the Note reflect an address of XXXXX, however, the correct address is : XXXXX. Both the Note and the Security Instrument require correction to the street name. |  |  |  | Reviewer Comment (2020-03-31): XXXXX | 03/31/2020 |  |  | 1<br> C<br> A |  | NV | Second Home | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56610173 | 34979512 |  | Credit | System | General | System | Closing Disclosure Subject Address does not match Note address. | - | Subject address is XXXXX, however, the final CD reflected XXXXX. ADDITIONALLY, the post close CD's issuedXXXXX andXXXXX have an entirely incorrect address on them (Different property, same buyer, fees, loan amount, etc). Lender to provide corrected CD reflecting the correct subject address, and copy of letter of explanation sent to borrower. |  |  |  | Reviewer Comment (2020-03-31): XXXXX | 03/31/2020 |  |  | 1<br> C<br> A |  | NV | Second Home | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56610173 | 34979513 |  | Credit | System | General | System | 1003 Subject Address does not match Note address. |  | Lender provided corrected Note with correct address but did not provide a corrected final 1003. |  |  |  | Reviewer Comment (2020-04-08): XXXXX | 04/08/2020 |  |  | 1<br> A |  | NV | Second Home | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54691973 | 34979516 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as XXXXX on LE but disclosed as XXXXX on Final Closing Disclosure. File does not contain a valid COC for this fee. Cure of XXXXX was reflected, which is insufficient to cure XXXXX. Provide a post-close CD disclosing the tolerance cure of XXXXX, a copy of the refund check for remaining cure of XXXXX, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-03-12): XXXXX | 03/12/2020 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 54691973 | 34979517 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as XXXXX on LE but disclosed as XXXXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2020-03-03): XXXXX |  | 03/03/2020 |  | 2<br> C<br> B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 54691973 | 34979518 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for XXXXX . Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2020-03-03): XXXXX |  | 03/03/2020 |  | 2<br> C<br> B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 52404933 | 34979522 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Right to Cancel was issued on incorrect form. TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. H-9 Form must be used as lender is the same as originating lender. |  |  |  |  |  |  |  | 2<br> B |  | IL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 52404933 | 34979524 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXXX moderately exceeds the guideline maximum of XXXXX . (DTI Exception is eligible to be regraded with compensating factors.) | Lender exception for DTI exceeding GLs. | Guideline variance approved by lender at time of origination.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Guideline variance approved by lender at time of origination<br>Guideline variance approved by lender at time of origination | LTV of 74.5% less than Guideline of 90%.<br>7.43 months reserves > 3 months required. Borrower has verified reserves of XXXXX<br>24 months of housing history was provided > 12 months required.<br>Borrower on this full documentation loan has disposable income of XXXXX Minimum XXXXX required. | Originator Pre-Close<br>Originator Pre-Close,XXX<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2020-03-02): XXXXX |  |  | 03/02/2020 | 2<br> B |  | IL | Primary | Refinance - Rate/Term | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52404933 | 34979525 |  | Compliance | Compliance | State Compliance | State Defect | XXXXX SB 1894 | XXXXX (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | XXXXX Predatory Disclosure is missing. |  |  |  | Reviewer Comment (2020-03-16): XXXXX | 03/16/2020 |  |  | 1<br> C<br> A |  | IL | Primary | Refinance - Rate/Term | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52404933 | 34979526 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement does not match due to missing final Closing Disclosure. |  |  |  | Reviewer Comment (2020-03-11): XXXXX | 03/11/2020 |  |  | 1<br> B<br> A |  | IL | Primary | Refinance - Rate/Term | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required.<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 52404933 | 34979527 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - XXXXX Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. | Compliance testing incomplete due to CD signed at closing on XXXXX has an issue date of XXXXX and an explanation is required detailing how the CD was executed prior to the issue date. |  |  |  | Reviewer Comment (2020-03-11): XXXXX | 03/11/2020 |  |  | 1<br> C<br> A |  | IL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 52404933 | 34979528 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | Compliance testing incomplete due to CD signed at closing on XXXXX has an issue date of XXXXX and an explanation is required detailing how the CD was executed prior to the issue date. |  |  |  | Reviewer Comment (2020-03-11): XXXXX | 03/11/2020 |  |  | 1<br> C<br> A |  | IL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 52404933 | 34979529 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Total Minimum Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. | Compliance testing incomplete due to CD signed at closing on XXXXX has an issue date of XXXXX and an explanation is required detailing how the CD was executed prior to the issue date. |  |  |  | Reviewer Comment (2020-03-11): XXXXX | 03/11/2020 |  |  | 1<br> C<br> A |  | IL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 52404933 | 34979530 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. | Compliance testing incomplete due to CD signed at closing on XXXXX has an issue date of XXXXX and an explanation is required detailing how the CD was executed prior to the issue date. |  |  |  | Reviewer Comment (2020-03-11): XXXXX | 03/11/2020 |  |  | 1<br> C<br> A |  | IL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 52404933 | 34979531 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of XXXXX is less than amount of binding Lender Credit previously disclosed in the amount of XXXXX. | No valid COC in file for reduction of lender credit. Cure for 0% tolerance violations in the amount of XXXXX was not provided. Provide a post-close CD disclosing the tolerance cure of XXXXX copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-03-11): XXXXX | 03/11/2020 |  |  | 1<br> C<br> A |  | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 52404933 | 34979532 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for MERS Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Fee was not disclosed on the LE. No valid COC in the file. Cure for 0% tolerance violations in the amount of XXXXX was not provided. Provide a post-close CD disclosing the tolerance cure of XXXXX copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-03-11): XXXXX | 03/11/2020 |  |  | 1<br> C<br> A |  | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 52404933 | 34979533 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Fee was not disclosed on the LE. No valid COC in the file. Cure for 0% tolerance violations in the amount of XXXXX was not provided. Provide a post-close CD disclosing the tolerance cure of XXXXX copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-03-11): XXXXX | 03/11/2020 |  |  | 1<br> C<br> A |  | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 52404933 | 34979534 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of XXXXX exceeds Guideline total debt ratio of XXXXX . | Guideline variance approved by lender at time of origination.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Guideline variance approved by lender at time of origination<br>Guideline variance approved by lender at time of origination | LTV of 74.5% less than Guideline of 90%.<br>7.43 months reserves > 3 months required. Borrower has verified reserves of XXXXX<br>24 months of housing history was provided > 12 months required.<br>Borrower on this full documentation loan has disposable income of XXXXX Minimum XXXXX required. | Originator Pre-Close<br>Originator Pre-Close,XXX<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2020-03-02): XXXXX |  |  | 03/02/2020 | 2<br> B |  | IL | Primary | Refinance - Rate/Term | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52404933 | 34979535 |  | 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 XXXXX, prior to three (3) business days from transaction date of XXXXX. |  |  |  |  | Reviewer Comment (2020-03-30): XXXXX<br>Reviewer Comment (2020-03-19): XXXXX | 03/30/2020 |  |  | 1<br> A |  | IL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 52404933 | 34979536 |  | 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). | The Right to Cancel shows the cancellation date asXXXXXhen it should be XXXXX |  |  |  | Reviewer Comment (2020-03-30): XXXXX<br>Reviewer Comment (2020-03-19): XXXXX | 03/30/2020 |  |  | 1<br> A |  | IL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 52404933 | 34979537 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | The initial LE does not have the Tax Service Fee disclosed. |  |  |  | Reviewer Comment (2020-03-11): XXXXX | 03/11/2020 |  |  | 1<br> A |  | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 51919672 | 34979540 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Appraisal reflects address as "Ter 1 and 2" however Note does not. |  |  |  | Reviewer Comment (2020-03-18): XXXXX | 03/18/2020 |  |  | 1<br> C<br> A |  | FL | Investment | Purchase | C<br> B<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51919672 | 34979541 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | REO required insurance verification for DTI purposes is missing from loan file. |  |  |  | Reviewer Comment (2020-03-09): XXXXX | 03/09/2020 |  |  | 1<br> C<br> A |  | FL | Investment | Purchase | C<br> B<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51919672 | 34979543 |  | Credit | Guideline | Guideline Issue | Guideline | Per guidelines, use of Non-traditional credit is not allowed. |  | Lender approved exception to allow for use of non-traditional credit reference on an investment purchase. Guidelines allow on primary residence only. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 33.73% DTI < 45.0% max allowed.<br>723 FICO > 620 FICO required. | Originator Pre-Close,XXX<br>Originator Pre-Close,XXX | Reviewer Comment (2020-03-03): XXXXX |  |  | 03/03/2020 | 2<br> B |  | FL | Investment | Purchase | C<br> B<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51919672 | 34979544 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Final 1003 is missing the borrower's "Position/ Title/Type of Business for current employment. |  |  |  | Reviewer Comment (2020-03-18): XXXXX | 03/18/2020 |  |  | 1<br> A |  | FL | Investment | Purchase | C<br> B<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53682528 | 34979545 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed XXXXX of title insurance coverage; however this is less than the loan amount of XXXXX. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2020-03-11): XXXXX | 03/11/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53682528 | 34979547 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification that the appraisal was delivered to the borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53682528 | 34979548 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | The copy of the Notice of Special Flood Hazard Disclosure signed by the borrower is missing from the file. (Per closing instructions, borrower signed this at closing) |  |  |  |  |  |  |  | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53682528 | 34979549 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank XXXXX): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | The file was missing a copy of the Homeownership Counseling disclosure or proof of the borrower's receipt within 3 days of originator application date. (Earliest receipt date in the file is XXXXX, application date is XXXXX.) |  |  |  |  |  |  |  | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53682528 | 34979550 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Right to Cancel was issued on incorrect form. TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. H-9 Form must be used as lender is the same as originating lender. |  |  |  |  |  |  |  | 2<br> B |  | CA | 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<br> C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 54629592 | 34979551 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument not provided |  | The file missing a copy of the executed Security Instrument. |  |  |  | Reviewer Comment (2020-03-10): XXXXX | 03/10/2020 |  |  | 1<br> D<br> A |  | FL | Investment | Purchase | D<br> B<br> A | Higher Priced QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54629592 | 34979554 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification final appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | FL | Investment | Purchase | D<br> B<br> A | Higher Priced QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54629592 | 34979555 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM | Qualified Mortgage (Dodd-Frank XXXXX): Improper Originator Loan Designation. Investment property not subject to Qualified Mortgage requirements. | Subject transaction is for an investment property. Investment properties are not subject to QM requirements; however, the lender submitted the loan as a QM loan. |  |  |  |  |  |  |  | 2<br> B |  | FL | Investment | Purchase | D<br> B<br> A | Higher Priced QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51223014 | 34979558 |  | Compliance | Compliance | Miscellaneous Compliance | Compliance | TRID Error: Cash at settlement from or to borrower is blank. | - | Final CD is missing Pg 3. |  |  |  | Reviewer Comment (2020-03-12): XXXXX | 03/12/2020 |  |  | 1<br> C<br> A |  | WA | Second Home | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51223014 | 34979560 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for XXXXX . Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee. Cure for 0% tolerance violation in the amount of XXXXX was not provided. Provide a post-close CD disclosing the tolerance cure of XXXXX, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-03-11): XXXXX | 03/11/2020 |  |  | 1<br> C<br> A |  | WA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 57102501 | 34979564 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | DTI of XXXXX is > guideline aloowable DTI of XXXXX . Lender exception is in the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves of 23 months is > guideline required reserves of 6 months.<br>Borrower has a disposable income of XXXXX | XXX,Originator Pre-Close<br>XXX<br>XXX<br>XXX<br>XXX | Reviewer Comment (2020-03-04): XXXXX |  |  | 03/04/2020 | 2<br> B |  | TN | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57102501 | 34979565 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXXX moderately exceeds the guideline maximum of XXXXX . (DTI Exception is eligible to be regraded with compensating factors.) | DTI of XXXXX is > guideline aloowable DTI of XXXXX . Lender exception is in the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves of 23 months is > guideline required reserves of 6 months.<br>Borrower has a disposable income of XXXXX | XXX,Originator Pre-Close<br>XXX<br>XXX<br>XXX<br>XXX | Reviewer Comment (2020-03-04): XXXXX |  |  | 03/04/2020 | 2<br> B |  | TN | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57102501 | 34979566 |  | Compliance | Compliance | Federal Compliance | TRID | TRID non-compliant: Missing Seller's Closing Disclosure. |  | A copy of the Seller CD is missing from the file. |  |  |  |  |  |  |  | 2<br> B |  | TN | Primary | Purchase | Good Faith Redisclosure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 57102501 | 34979567 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification that the appraisal was delivered to the borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | TN | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57102501 | 34979568 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification that the appraisal was delivered to the borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | TN | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57102501 | 34979569 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Based on the date of prior employment from the final 1003 (PVVOE is missing), the borrower has a gap > 30 days between employers. LOE is required by the investor for any gaps > 30 days and is missing from the file. |  |  |  | Reviewer Comment (2020-04-03): XXXXX | 04/03/2020 |  |  | 1<br> C<br> A |  | TN | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53412672 | 34979571 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed XXXXX of title insurance coverage; however this is less than the loan amount of XXXXX Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2020-03-11): XXXXX | 03/11/2020 |  |  | 1<br> C<br> A |  | CO | Investment | Refinance - Rate/Term | C<br> B<br> A | Higher Priced QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53412672 | 34979572 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXXX significantly exceeds the guideline maximum of XXXXX (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | The loan was approved using income from the second home as it is rented for a period of the year. Rental income from a second home is not allowed. |  |  |  | Reviewer Comment (2020-04-13): XXXXX<br>Reviewer Comment (2020-03-30): XXXXX | 04/13/2020 |  |  | 1<br> C<br> A |  | CO | Investment | Refinance - Rate/Term | C<br> B<br> A | Higher Priced QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53412672 | 34979573 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as XXXXX on page 4. However, annual HOA fees are XXXXX Provide a post-close CD correcting the Non-Escrowed Account section on page 4, and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-03-19): XXXXX | 03/19/2020 |  |  | 1<br> C<br> A |  | CO | Investment | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Higher Priced QM | N/A | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 53412672 | 34979574 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2020-04-13): XXXXX<br>Reviewer Comment (2020-03-30): XXXXX | 04/13/2020 |  |  | 1<br> B<br> A<br> C |  | CO | Investment | Refinance - Rate/Term | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Higher Priced QM | N/A | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 53412672 | 34979575 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank XXXXX): Total Debt to Income Ratio exceeds XXXXX and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | The loan was approved using income from the second home as it is rented for a period of the year. Rental income from a second home is not allowed. |  |  |  | Reviewer Comment (2020-04-13): XXXXX<br>Reviewer Comment (2020-03-30): XXXXX | 04/13/2020 |  |  | 1<br> C<br> A |  | CO | Investment | Refinance - Rate/Term | C<br> B<br> A | Higher Priced QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53412672 | 34979576 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2020-03-19): XXXXX | 03/19/2020 |  |  | 1<br> C<br> A |  | CO | Investment | Refinance - Rate/Term | No Defined Cure<br> C<br> B<br> A | Higher Priced QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53412672 | 34979577 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | The loan was approved using income from the second home as it is rented for a period of the year. Rental income from a second home is not allowed. |  |  |  | Reviewer Comment (2020-04-13): XXXXX<br>Reviewer Comment (2020-03-30): XXXXX | 04/13/2020 |  |  | 1<br> C<br> A |  | CO | Investment | Refinance - Rate/Term | C<br> B<br> A | Higher Priced QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53412672 | 34979578 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to excessive DTI. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2020-04-13): XXXXX<br>Reviewer Comment (2020-03-30): XXXXX | 04/13/2020 |  |  | 1<br> C<br> A |  | CO | Investment | Refinance - Rate/Term | C<br> B<br> A | Higher Priced QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53412672 | 34979579 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM | Qualified Mortgage (Dodd-Frank XXXXX): Improper Originator Loan Designation. Investment property not subject to Qualified Mortgage requirements. | Loan was qualified and delivered as a Second Home with a designation of Higher Priced QM; however the loan was restructured as an Investment property. |  |  |  |  |  |  |  | 2<br> B |  | CO | Investment | Refinance - Rate/Term | C<br> B<br> A | Higher Priced QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53412672 | 34979580 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Occupancy discrepancy. | Property occupancy of ___ does not match Guideline property occupancy of ___. | The loan was delivered as a Second Home using rental income to qualify from the subject. However, rental income on a second home is not allowed and the loan was restructured as an investment property. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 46.46; Guideline Requirement: 3.00<br>Guidelines Representative FICO: XXXXX Representative FICO: XXXXX | XXX,Aggregator<br>XXX<br>XXX<br>XXX<br>Aggregator,XXX | Reviewer Comment (2020-04-13): XXXXX |  |  | 04/13/2020 | 2<br> B |  | CO | Investment | Refinance - Rate/Term | C<br> B<br> A | Higher Priced QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53412672 | 34979581 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  | Rental income was used to qualify the subject; however the Comparable Rent Schedule was not provided. |  |  |  | Reviewer Comment (2020-05-19): XXXXX | 05/19/2020 |  |  | 1<br> A |  | CO | Investment | Refinance - Rate/Term | C<br> B<br> A | Higher Priced QM | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54958118 | 34979583 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History | Qualified Mortgage (Dodd-Frank XXXXX): Employment history requirement not met. | The file is missing evidence of the dates of prior employment for the co-borrower. |  |  |  | Reviewer Comment (2020-03-19): XXXXX<br>Reviewer Comment (2020-03-12): XXXXX | 03/19/2020 |  |  | 1<br> C<br> A |  | IN | Primary | Purchase | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54958118 | 34979586 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Non QM. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2020-03-19): XXXXX | 03/19/2020 |  |  | 1<br> B<br> A<br> C |  | IN | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Higher Priced QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 54958118 | 34979587 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: Closing Disclosure is incomplete |  | The final CD is not signed by the borrowers. |  |  |  | Reviewer Comment (2020-03-12): XXXXX | 03/12/2020 |  |  | 1<br> C<br> A |  | IN | Primary | Purchase | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54958118 | 34979588 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt is missing from the loan file. |  |  |  | Reviewer Comment (2020-03-13): XXXXX | 03/13/2020 |  |  | 1<br> C<br> A |  | IN | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54958118 | 34979589 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XXXXX not received by borrower at least four (4) business days prior to closing. | Evidence of earlier borrower receipt is missing from the loan file. |  |  |  | Reviewer Comment (2020-03-13): XXXXX | 03/13/2020 |  |  | 1<br> C<br> A |  | IN | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54958118 | 34979591 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank XXXXX): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Lender sent letter to change loan designation to non-qm. |  |  |  |  |  |  |  | 2<br> A<br> B |  | IN | Primary | Purchase | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59164330 | 34979594 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing tax and hazard insurance verification. |  |  |  | Reviewer Comment (2020-03-13): XXXXX | 03/13/2020 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59164330 | 34979596 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Addendum to 1008/Loan Transmittal - XXXXX Comments states: See U/W XXXXX Notes. These were not provided. |  |  |  | Reviewer Comment (2020-03-20): XXXXX<br>Reviewer Comment (2020-03-13): XXXXX | 03/20/2020 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52118962 | 34979599 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 03/09/2020 |  | 1<br> A |  | FL | Primary | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 52118962 | 34979600 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt is missing from the loan file. |  |  |  | Reviewer Comment (2020-03-13): XXXXX | 03/13/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52118962 | 34979601 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XXXXX not received by borrower at least four (4) business days prior to closing. | Evidence of earlier borrower receipt is missing from the loan file. |  |  |  | Reviewer Comment (2020-03-13): XXXXX | 03/13/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52118962 | 34979602 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | The Notice of Special Flood Hazard Disclosure is in the file, however, it is not signed. Provide signed disclosure. |  |  |  |  |  |  |  | 2<br> B |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52118962 | 34979603 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXXX moderately exceeds the guideline maximum of XXXXX . (DTI Exception is eligible to be regraded with compensating factors.) | DTI of 44.91% is > guideline allowable DTI of XXXXX . Lender exception is in the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrower has verified disposable income of at least XXXXX. | 50 months reserves is > 9 months required reserves.<br>Borrower on this full documentation loan has a disposable income of XXXXX which is > the guideline required disposable income of XXXXX | XXX,Originator Pre-Close<br>Originator Pre-Close,XXX | Reviewer Comment (2020-03-10): XXXXX |  |  | 03/10/2020 | 2<br> B |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52118962 | 34979605 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | DTI of 44.91% exceeds guideline allowable DTI of XXXXX . Lender exception is in the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrower has verified disposable income of at least XXXXX. | 50 months reserves is > 9 months required reserves.<br>Borrower on this full documentation loan has a disposable income of XXXXX which is > the guideline required disposable income of XXXXX | XXX,Originator Pre-Close<br>Originator Pre-Close,XXX | Reviewer Comment (2020-03-10): XXXXX |  |  | 03/10/2020 | 2<br> B |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57682068 | 34979611 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | FL | Second Home | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57682068 | 34979612 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification preliminary appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | FL | Second Home | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 57682068 | 34979613 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as XXXXX on page 4; however the annual HOA Dues are XXXXX. Provide a post-close CD correcting the Escrow Account section on page 4, and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-03-24): XXXXX | 03/24/2020 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 51123086 | 34979616 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 4XXXXX moderately exceeds the guideline maximum of XXXXX. (DTI Exception is eligible to be regraded with compensating factors.) | Calculated investor qualifying total debt ratio of XXXXX exceeds Guideline total debt ratio of XXXXX | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXXX<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXXX and XXXXX.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | FICO of 769 exceeds GL of 680.<br>Borrower on this full documentation loan has disposable income of XXXXX Minimum XXXXX required.<br>75.0% LTV < 90.0% LTV allowed. | XXX<br>XXX<br>Originator Pre-Close,XXX<br>XXX<br>XXX<br>XXX<br>Originator Pre-Close,XXX | Reviewer Comment (2020-03-17): XXXXX |  |  | 03/17/2020 | 2<br> B |  | FL | Second Home | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51123086 | 34979626 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as XXXXX on page 4; however the HOA dues total XXXXX per year based on HOA questionnaire. Provide a post-close CD correcting the Non-Escrow Account section on page 4 and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-04-08): XXXXX<br>Reviewer Comment (2020-03-31): XXXXX |  | 04/08/2020 |  | 2<br> C<br> B |  | FL | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 51123086 | 34979627 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of XXXXX exceeds Guideline total debt ratio of XXXXX | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXXX<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXXX and XXXXX.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | FICO of 769 exceeds GL of 680.<br>Borrower on this full documentation loan has disposable income of XXXXX Minimum XXXXX required.<br>75.0% LTV < 90.0% LTV allowed. | XXX<br>XXX<br>Originator Pre-Close,XXX<br>XXX<br>XXX<br>XXX<br>Originator Pre-Close,XXX | Reviewer Comment (2020-03-17): XXXXX |  |  | 03/17/2020 | 2<br> B |  | FL | Second Home | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51123086 | 34979628 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | FL | Second Home | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51659067 | 34979630 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2020-04-08): XXXXX | 04/08/2020 |  |  | 1<br> A |  | FL | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51659067 | 34979631 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed XXXXX of title insurance coverage; however this is less than the loan amount of XXXXX. Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2020-03-27): XXXXX | 03/27/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51659067 | 34979632 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | FL | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51659067 | 34979633 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Transfer Tax was last disclosed as XXXXX on LE but disclosed as XXXXX on Final Closing Disclosure. File does not contain a valid COC for this fee. Cure for 0% tolerance violations in the amount of XXXXX was not provided. Provide a post-close CD disclosing the tolerance cure of XXXXX, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-03-24): XXXXX<br>Reviewer Comment (2020-03-20): XXXXX | 03/24/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 51659067 | 34979635 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as XXXXX on LE but disclosed as XXXXX on Final Closing Disclosure. File does not contain a valid COC for this fee. Cure for 0% tolerance violations in the amount of XXXXX was not provided. Provide a post-close CD disclosing the tolerance cure of XXXXX, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-03-26): XXXXX<br>Reviewer Comment (2020-03-24): XXXXX<br>Reviewer Comment (2020-03-20): XXXXX | 03/26/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 51659067 | 34979636 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as XXXXX on initial CD but disclosed as XXXXX on Final Closing Disclosure. File does not contain a valid COC for this fee. Cure for 0% tolerance violations in the amount of XXXXX was not provided. Provide a post-close CD disclosing the tolerance cure of XXXXX, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-03-24): XXXXX<br>Reviewer Comment (2020-03-20): XXXXX | 03/24/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 55660319 | 34979638 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55660319 | 34979641 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for XXXXX . Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | XXXXX Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include XXXXX, 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 (2020-03-25): XXXXX<br>Reviewer Comment (2020-03-23): XXXXX | 03/25/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 52634376 | 34979643 |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  | File is missing required Evidence of Taxpayer Consent. |  |  |  |  |  |  |  | 3<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52634376 | 34979647 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for XXXXX . Fee Amount of XXXXX exceeds tolerance of XXXXX. Insufficient or no cure was provided to the borrower. | Cure for 0% and/or 10% tolerance violations in the amount of XXXXX was not provided. Provide a post-close CD disclosing the tolerance cure of XXXXX copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-03-25): XXXXX | 03/25/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 52634376 | 34979649 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower is a First Time Home Buyer and payment shock is greater than 250% and exceeds guidelines. |  | The payment shock of XXXXX exceeds the guideline max of XXXXX . | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXXX<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXXX | Reserves: 18.96; Guideline Requirement: 3.00<br>Disposable Income: XXXXX exceeds guideline requirement of XXXXX | XXX,Originator Pre-Close<br>XXX<br>Originator Pre-Close,XXX<br>XXX<br>XXX | Reviewer Comment (2020-03-23): XXXXX |  |  | 03/23/2020 | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52304443 | 34979651 |  | 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 ___. | Reserves of 1.39 months is < guideline required reserves of 3 months; lender exception with compensating factors is in the file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXXX<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXXX<br>Guideline variance approved by lender at time of origination | Borrowers on this full documentation loan have a disposable income of XXXXX<br>DTI of 36% is less than guideline maximum DTI of 45% | XXX<br>XXX<br>Originator Pre-Close,XXX<br>XXX<br>XXX<br>Originator Pre-Close | Reviewer Comment (2020-03-23): XXXXX |  |  | 03/23/2020 | 2<br> B |  | AZ | Second Home | Purchase | B<br> A | Higher Priced QM | Higher Priced QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53068796 | 34979654 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX Insufficient or no cure was provided to the borrower. | Fee was last disclosed as XXXXX on the LE, but was disclosed as XXXXX on the Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure of XXXXX copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-03-26): XXXXX | 03/26/2020 |  |  | 1<br> C<br> A |  | VA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 53068796 | 34979655 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.) | Right to Cancel was issued on incorrect form. TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. H-9 Form must be used as lender is the same as originating lender. |  |  |  |  |  |  |  | 2<br> A |  | VA | 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<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 53068796 | 34979656 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The XXXXX YTD P&L and Balance Sheet for all businesses is missing from the file. (1 Partnership, 2 S-Corps) |  |  |  | Reviewer Comment (2020-04-20): XXXXX<br>Reviewer Comment (2020-04-17): XXXXX | 04/20/2020 |  |  | 1<br> C<br> A |  | VA | Primary | Refinance - Cash-out - Other | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53068796 | 34979657 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | A copy of the mortgage statement for the 2nd home reflecting taxes and insurance are included in the monthly payment is missing from the loan file. |  |  |  | Reviewer Comment (2020-04-09): XXXXX<br>Reviewer Comment (2020-04-02): XXXXX | 04/09/2020 |  |  | 1<br> C<br> A |  | VA | Primary | Refinance - Cash-out - Other | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58962286 | 34979659 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | CO | Investment | Purchase | B<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58962286 | 34979660 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | CO | Investment | Purchase | B<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58962286 | 34979662 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of XXXXX exceeds Guideline total debt ratio of 45.000%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXXX<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 128.99; Guideline Requirement: 6.00<br>Disposable Income: XXXXX > guideline requirement of XXXXX<br>Guidelines Representative FICO: 620; Representative FICO: 721 | XXX,Originator Pre-Close<br>XXX<br>Originator Pre-Close,XXX<br>XXX<br>XXX<br>Originator Pre-Close,XXX | Reviewer Comment (2020-03-24): XXXXX |  |  | 03/24/2020 | 2<br> B |  | CO | Investment | Purchase | B<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 58618428 | 34979666 |  | Compliance | Compliance | State Compliance | Misc. State Level | Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice) | XXXXX Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. | Missing XXXXX broker notice in file. |  |  |  |  |  |  |  | 2<br> B |  | VA | Primary | Purchase | B<br> A | Higher Priced QM | Higher Priced QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55152659 | 34979669 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | SC | Second Home | Purchase | B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55152659 | 34979670 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | Evidence that the Notice of Special Flood Hazard Disclosure was signed by borrower is missing from the file. |  |  |  |  |  |  |  | 2<br> B |  | SC | Second Home | Purchase | B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55152659 | 34979672 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXXX moderately exceeds the guideline maximum of XXXXX . (DTI Exception is eligible to be regraded with compensating factors.) | DTI of XXXXX is > maximum DTI of XXXXX due to non-warrantable guideline overlays. Lender exception was approved with compensating factors. | Borrower has verified disposable income of at least XXXXX.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower on this full documentation loan has a disposable income of XXXXX<br>Reserves of 27 months is > guideline required reserves of 9 months. | XXX,Originator Pre-Close<br>XXX<br>XXX<br>XXX<br>Originator Pre-Close,XXX<br>XXX<br>XXX | Reviewer Comment (2020-03-27): XXXXX |  |  | 03/27/2020 | 2<br> B |  | SC | Second Home | Purchase | B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55152659 | 34979673 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | DTI of XXXXX is > maximum DTI of XXXXX due to non-warrantable guideline overlays. Lender exception was approved with compensating factors. | Borrower has verified disposable income of at least XXXXX.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower on this full documentation loan has a disposable income of XXXXX<br>Reserves of 27 months is > guideline required reserves of 9 months. | XXX,Originator Pre-Close<br>XXX<br>XXX<br>XXX<br>Originator Pre-Close,XXX<br>XXX<br>XXX | Reviewer Comment (2020-03-27): XXXXX |  |  | 03/27/2020 | 2<br> B |  | SC | Second Home | Purchase | B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50541682 | 34979675 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan (XXXXX): Mandatory escrow account not established on 1st lien mortgage loan. | Mandatory escrow account established for Homeowners and Flood insurance. Escrow account was not established for Taxes. |  |  |  | Reviewer Comment (2020-04-13): XXXXX<br>Reviewer Comment (2020-04-09): XXXXX | 04/13/2020 |  |  | 1<br> C<br> A |  | LA | Primary | Refinance - Cash-out - Other | If escrow was established before consummation for one impound item but not the other (e.g. taxes but not insurance), cure available by escrowing item that was not previously included. Proof of new escrow setup required.<br> If no escrow account was established at or before consummation, no cure available.<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50541682 | 34979676 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXXX or Final Disclosure APR of XXXXX is in excess of allowable threshold of APOR XXXXX + 1.5%, or XXXXX. Non-Compliant Higher Priced Mortgage Loan. | Escrow account was not established for Property Taxes. |  |  |  | Reviewer Comment (2020-04-13): XXXXX | 04/13/2020 |  |  | 1<br> C<br> A |  | LA | Primary | Refinance - Cash-out - Other | C<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50541682 | 34979677 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of XXXXX is less than amount of binding Lender Credit previously disclosed in the amount of XXXXX. | Lender credit disclosed was last disclosed as XXXXX on LE but disclosed as XXXXX on Final Closing Disclosure. File does not contain a valid COC for the reduction of the lender credit. Cure for 0% and/or lender credit tolerance violations in the amount of XXXXX was not provided. Provide a post-close CD disclosing the tolerance cure of XXXXX copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-04-07): XXXXX | 04/07/2020 |  |  | 1<br> C<br> A |  | LA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50541682 | 34979678 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of XXXXX exceeds tolerance of XXXXX Insufficient or no cure was provided to the borrower. | Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee. Cure for 0% and/or lender credit tolerance violations in the amount of XXXXX was not provided. Provide a post-close CD disclosing the tolerance cure of XXXXX copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-04-01): XXXXX | 04/01/2020 |  |  | 1<br> C<br> A |  | LA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 55198072 | 34979682 |  | Credit | Guideline | Guideline Issue | Guideline | Gift funds were used for the down payment, closing costs and/or reserves for a non primary residence. | - | Gift funds were used for the down payment / reserves on a second home which guidelines do not permit. However, lender exception is in the file with compensating factors. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXXX<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least XXXXX<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Guideline variance approved by lender at time of origination | 70.0% LTV < 80.0% LTV allowed.<br>Borrower on this full documentation loan has disposable income of XXXXX Minimum XXXXX required.<br>Housing payment history of 24 months when requirement is 12 months. | XXX<br>XXX<br>XXX<br>XXX<br>Originator Pre-Close,XXX<br>XXX<br>Originator Pre-Close,XXX<br>XXX<br>Originator Pre-Close | Reviewer Comment (2020-03-30): XXXXX |  |  | 03/30/2020 | 2<br> B |  | FL | Second Home | Purchase | B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56547953 | 34979689 |  | 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 ___. |  | Guideline variance approved by lender at time of origination<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least XXXXX | 37.3% DTI < 43% max allowed.<br>Borrower on this full documentation loan has disposable income of XXXXX Minimum XXXXX required. | Originator Pre-Close<br>XXX<br>XXX<br>XXX<br>XXX<br>XXX<br>Originator Pre-Close,XXX | Reviewer Comment (2020-03-30): XXXXX |  |  | 03/30/2020 | 2<br> B |  | FL | Primary | Purchase | B<br> A | Higher Priced QM | Higher Priced QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56547953 | 34979690 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX. Sufficient or excess cure was provided to the borrower at Closing. | Lender provided credit at closing. |  |  |  | Reviewer Comment (2020-03-30): XXXXX |  | 03/30/2020 |  | 1<br> A |  | FL | Primary | Purchase | Final CD evidences Cure<br> B<br> A | Higher Priced QM | Higher Priced QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50061381 | 34979691 |  | Credit | Guideline | Guideline Issue | Guideline | File does not contain two full appraisals as required per guidelines. |  | Two appraisals required for purchase transaction and loan amount > XXXXX |  |  |  | Reviewer Comment (2020-04-06): XXXXX | 04/06/2020 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50061381 | 34979693 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2020-04-06): XXXXX | 04/06/2020 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50061381 | 34979694 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History - Current Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank XXXXX): Missing Employment Dates to verify two years current employment. | The file is missing documentation to verify the start date for the borrower's self-employment to verify a 2 year employment history, as required by Appendix Q. |  |  |  |  |  |  |  | 2<br> B |  | WA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50061381 | 34979695 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History - Current Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank XXXXX): Missing Employment Dates to verify two years current employment. | The file is missing documentation to verify the start date for the borrower's self-employment to verify a 2 year employment history, as required by Appendix Q. |  |  |  |  |  |  |  | 2<br> B |  | WA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50061381 | 34979696 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2020-04-02): XXXXX |  | 04/02/2020 |  | 1<br> A |  | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure<br> C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50061381 | 34979697 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. | The RTC in file was not signed by B4 |  |  |  | Reviewer Comment (2020-04-07): XXXXX | 04/07/2020 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50061381 | 34979698 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Page 3 of the final 1003 for borrower's 3 & 4 reflects they do not intend to reside in the subject property as their primary residence. Provide corrected final application. |  |  |  | Reviewer Comment (2020-04-13): XXXXX | 04/13/2020 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50061381 | 34979699 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2020-04-17): XXXXX |  |  |  | 2<br> B |  | WA | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50705517 | 34979701 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2020-04-03): XXXXX | 04/03/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50705517 | 34979702 |  | Credit | Property - Appraisal | Property Eligibility - Zoning and Usage | Property - Appraisal | Unable to determine if the subject condo is warrantable. Client to provide evidence of warrantability | - |  |  |  |  | Reviewer Comment (2020-04-13): XXXXX | 04/13/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50705517 | 34979703 |  | Credit | Guideline | Guideline Issue | Guideline | File does not contain two full appraisals as required per guidelines. |  |  |  |  |  | Reviewer Comment (2020-04-03): XXXXX | 04/03/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50705517 | 34979708 |  | 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 XXXXX, prior to three (3) business days from transaction date of XXXXX. | Loan was disbursed prior to midnight of third business day after consummation. Lender to re-open recission, provide copy of new right to cancel form, copy of letter of explanation sent to borrower, and proof of delivery. Note: This exception will not be cleared until expiration of new recission period. |  |  |  | Reviewer Comment (2020-04-07): XXXXX | 04/07/2020 |  |  | 1<br> C<br> A |  | CA | 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<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50705517 | 34979709 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit. | Borrower has verified disposable income of at least XXXXX.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>The refinance has decresed the borrower's monthly debt payments by 20% or more.<br>Guideline variance approved by lender at time of origination | Borrower on this full documentation loan has disposable income of XXXXX. Minimum XXXXX required.<br>24 months of housing history provided > 12 months required. | XXX,Originator Pre-Close<br>XXX<br>XXX<br>XXX<br>XXX<br>Originator Pre-Close | Reviewer Comment (2020-04-02): XXXXX |  |  | 04/02/2020 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50705517 | 34979710 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXXX moderately exceeds the guideline maximum of XXXXX (DTI Exception is eligible to be regraded with compensating factors.) | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit. | Borrower has verified disposable income of at least XXXXX.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>The refinance has decresed the borrower's monthly debt payments by 20% or more.<br>Guideline variance approved by lender at time of origination | Borrower on this full documentation loan has disposable income of XXXXX. Minimum XXXXX required.<br>24 months of housing history provided > 12 months required. | XXX,Originator Pre-Close<br>XXX<br>XXX<br>XXX<br>XXX<br>Originator Pre-Close | Reviewer Comment (2020-04-02): XXXXX |  |  | 04/02/2020 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50705517 | 34979711 |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  |  | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50705517 | 34979712 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for lack of long term lease on rental property reflecting on XXXXX/XXXXX tax returns. UW is using 2 year average of income for qualification. Rental property is a short term rental that borrower also provided rental print out of activity for the year supporting tax returns. | Borrower has verified disposable income of at least XXXXX.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>The refinance has decresed the borrower's monthly debt payments by 20% or more.<br>Guideline variance approved by lender at time of origination | Borrower on this full documentation loan has disposable income of XXXXX. Minimum XXXXX required.<br>24 months of housing history provided > 12 months required. | XXX,Originator Pre-Close<br>XXX<br>XXX<br>XXX<br>XXX<br>Originator Pre-Close | Reviewer Comment (2020-04-02): XXXXX |  |  | 04/02/2020 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50705517 | 34979713 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. | Per appraisal used for LTV, annual HOA dues are XXXXX or XXXXX/month. |  |  |  | Reviewer Comment (2020-04-20): XXXXX<br>Reviewer Comment (2020-04-09): XXXXX |  | 04/20/2020 |  | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 54085064 | 34979716 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | FL | Primary | Refinance - Rate/Term | C<br> B<br> A | Higher Priced QM | Higher Priced QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54085064 | 34979717 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | FL | Primary | Refinance - Rate/Term | C<br> B<br> A | Higher Priced QM | Higher Priced QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54085064 | 34979719 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as XXXXX on page 4; however the annual HOA dues are XXXXX/XXXXX month per appraisal. |  |  |  | Reviewer Comment (2020-04-13): XXXXX |  | 04/13/2020 |  | 2<br> C<br> B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Higher Priced QM | Higher Priced QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 52502967 | 34979721 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - XXXXX XXXXX Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. | The final CD disclosed the Amount of Escrowed Property Costs over Year 1 as XXXXX on page 4; however the Property Taxes XXXXX and Insurance XXXXX total XXXXX per year. Provide a post-close CD correcting the Escrow Account section and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-04-13): XXXXX |  | 04/13/2020 |  | 2<br> C<br> B |  | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50890588 | 34979723 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | The file is missing a copy of the flood certificate. |  |  |  | Reviewer Comment (2020-04-07): XXXXX | 04/07/2020 |  |  | 1<br> C<br> A |  | MI | Investment | Purchase | C<br> B<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50890588 | 34979725 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Hazard Dec Page not provided |  | The file is missing a copy of the H06 "Walls-In" insurance policy to verify premium. |  |  |  | Reviewer Comment (2020-04-07): XXXXX | 04/07/2020 |  |  | 1<br> C<br> A |  | MI | Investment | Purchase | C<br> B<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50890588 | 34979726 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | The file was missing a copy of the Right to Receive a copy of Appraisal Disclosure for all borrowers provided within 3 days of originator application date. |  |  |  | Reviewer Comment (2020-04-07): XXXXX | 04/07/2020 |  |  | 1<br> B<br> A |  | MI | Investment | Purchase | C<br> B<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50890588 | 34979727 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | The file is missing a copy of the initial LE datedXXXXX. The only LE in the file is the one dated XXXXX |  |  |  | Reviewer Comment (2020-04-07): XXXXX | 04/07/2020 |  |  | 1<br> C<br> A |  | MI | Investment | Purchase | No Defined Cure<br> C<br> B<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50890588 | 34979730 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing a copy of the Closing Disclosure on the primary residence to verify PITIA, payoff of both mortgages, and net equity of XXXXX for the source of funds for closing on this transaction. |  |  |  | Reviewer Comment (2020-04-07): XXXXX | 04/07/2020 |  |  | 1<br> C<br> A |  | MI | Investment | Purchase | C<br> B<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50890588 | 34979731 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification that the appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | MI | Investment | Purchase | C<br> B<br> A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54375205 | 34979733 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | FL | Second Home | Purchase | C<br> B<br> A | Higher Priced QM | Temporary HPQM (GSE/Agency Eligible) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54375205 | 34979734 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XXXXX not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as XXXXX on page 4; however the annual HOA Fees XXXXX Final CD reflects Estimated Taxes, Insurance & Assessments of XXXXX monthly, correct amount is XXXXX Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2020-04-16): XXXXX | 04/16/2020 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure<br> C<br> B<br> A | Higher Priced QM | Temporary HPQM (GSE/Agency Eligible) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 55042781 | 34979737 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self Employed Financial Strength | Qualified Mortgage (Dodd-Frank XXXXX): Financial strength of self-employed business reflects annual earnings that significantly decline over the analysis period. | Current self-employment income reflects declining earnings of greater than 20% from previous year. |  |  |  | Reviewer Comment (2020-04-16): XXXXX | 04/16/2020 |  |  | 1<br> C<br> A |  | NC | Primary | Purchase | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 55042781 | 34979738 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2020-04-16): XXXXX | 04/16/2020 |  |  | 1<br> B<br> A<br> C |  | NC | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 55042781 | 34979739 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | NC | Primary | Purchase | C<br> B<br> A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59987662 | 34979741 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | NY | Primary | Purchase | B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59987662 | 34979742 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | NY | Primary | Purchase | B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59987662 | 34979743 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2<br> B |  | NY | Primary | Purchase | B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53184584 | 34979745 |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  |  | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 53184584 | 34979747 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Certification Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX Insufficient or no cure was provided to the borrower. | Certification Fee was last disclosed as XXXXX on LE but disclosed as XXXXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include XXXXX 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 (2020-04-23): XXXXX |  | 04/23/2020 |  | 2<br> C<br> B |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 53184584 | 34979749 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXXX disclosed a Total of Payments that does not match the actual total of payments for the loan. | The XXXXX Closing Disclosure has a Total of Payments amoujt of XXXXX |  |  |  | Reviewer Comment (2020-04-29): XXXXX<br>Reviewer Comment (2020-04-28): XXXXX | 04/29/2020 |  |  | 1<br> A |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions)<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 51392886 | 34979753 |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  |  | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51392886 | 34979755 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of XXXXX are insufficient to meet cash from borrower of XXXXX (Cash to Close of XXXXX + Deposit of XXXXX + POC of XXXXX) |  |  |  | Reviewer Comment (2020-04-23): XXXXX | 04/23/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51392886 | 34979757 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXX exceeds tolerance of XXXXX plus 10% or XXXXX Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2020-04-16): XXXXX |  | 04/16/2020 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 51392886 | 34979758 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX Sufficient or excess cure was provided to the borrower at Closing. | Fee disclosed was last disclosed as XXXXX on LE but disclosed as XXXXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2020-04-16): XXXXX |  | 04/16/2020 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 51392886 | 34979759 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXXX moderately exceeds the guideline maximum of XXXXX (DTI Exception is eligible to be regraded with compensating factors.) | The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXXX moderately exceeds the guideline maximum of XXXXX | Borrower has verified disposable income of at least XXXXX.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has residual income of XXXXX, greater than required residual income of XXXXX. | XXX,Originator Pre-Close<br>XXX<br>XXX<br>XXX<br>XXX | Reviewer Comment (2020-04-17): XXXXX |  |  | 04/17/2020 | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 51392886 | 34979760 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Loan approved with compensating factors for DTI variance. debt ratio of XXXXX exceeds Guideline total debt ratio of XXXXX | Borrower has verified disposable income of at least XXXXX.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has residual income of XXXXX, greater than required residual income of XXXXX. | XXX,Originator Pre-Close<br>XXX<br>XXX<br>XXX<br>XXX | Reviewer Comment (2020-04-17): XXXXX |  |  | 04/17/2020 | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56005910 | 34979769 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as XXXXX on LE but disclosed as XXXXX on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2020-04-21): XXXXX |  | 04/21/2020 |  | 2<br> C<br> B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Higher Priced QM | Higher Priced QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 56005910 | 34979771 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender provided approval for borrower living rent free with a non relative. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XXXXX DTI < XXXXX max allowed.<br>Borrower on this full documentation loan has disposable income of XXXXX.<br>42.04 months > 9 months required. Borrower has verified reserves of XXXXX. | XXX,Originator Pre-Close<br>XXX<br>Originator Pre-Close,XXX<br>Originator Pre-Close,XXX<br>XXX<br>XXX | Reviewer Comment (2020-04-21): XXXXX |  |  | 04/21/2020 | 2<br> B |  | FL | Primary | Purchase | C<br> B<br> A | Higher Priced QM | Higher Priced QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54044533 | 34979772 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - Condo not provided |  | The file was missing a copy of the Condo Rider. |  |  |  | Reviewer Comment (2020-04-28): XXXXX | 04/28/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | C<br> B<br> A | Higher Priced QM | Higher Priced QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54044533 | 34979773 |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  |  | 2<br> B |  | CA | Primary | Purchase | C<br> B<br> A | Higher Priced QM | Higher Priced QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56125062 | 34979779 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank XXXXX): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2<br> B |  | CA | Primary | Refinance - Cash-out - Home Improvement | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56125062 | 34979781 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XXXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely XXXXX result in additional fee tolerance violations. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2020-05-22): XXXXX<br>Reviewer Comment (2020-05-04): XXXXX | 05/22/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Home Improvement | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56125062 | 34979782 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History | Qualified Mortgage (Dodd-Frank XXXXX): Employment history requirement not met. | Missing third party verification of employment for B2 sole proprietorship from XXXXX - XXXXX |  |  |  | Reviewer Comment (2020-04-28): XXXXX<br>Reviewer Comment (2020-04-27): XXXXX | 04/28/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Home Improvement | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56125062 | 34979783 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Non QM. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2020-04-28): XXXXX | 04/28/2020 |  |  | 1<br> B<br> A<br> C |  | CA | Primary | Refinance - Cash-out - Home Improvement | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Higher Priced QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 56125062 | 34979784 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Borrower was not provided Closing Disclosure (3) business days prior to closing. |  |  |  | Reviewer Comment (2020-04-29): XXXXX | 04/29/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Home Improvement | No Defined Cure<br> C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56125062 | 34979785 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML XXXXX Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXXX or Final Disclosure APR of XXXXX is in excess of allowable threshold of APOR XXXXX + XX.XX%, or XXXXX Non-Compliant Higher Priced Mortgage Loan. | Appraisal report in file has effective date of XXXXX and report date of XXXXX However, the only acknowledgement of receipt of appraisal by the borrower is dated XXXXX Missing a copy of the report provided to the borrower on XXXXX and verification appraisal dated XXXXX was delivered to borrower. |  |  |  | Reviewer Comment (2020-05-04): XXXXX | 05/04/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Home Improvement | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56125062 | 34979786 |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  |  | 2<br> B |  | CA | Primary | Refinance - Cash-out - Home Improvement | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56125062 | 34979787 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal Not Obtained Timely) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Appraisal not obtained prior to consummation. | Appraisal report in file has effective date of XXXXX and report date of XXXXX However, the only acknowledgement of receipt of appraisal by the borrower is dated XXXXX Missing a copy of the report provided to the borrower on XXXXX and verification appraisal dated XXXXX was delivered to borrower. |  |  |  | Reviewer Comment (2020-05-04): XXXXX | 05/04/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Home Improvement | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56125062 | 34979788 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report in file has effective date of XXXXX and report date of XXXXX However, the only acknowledgement of receipt of appraisal by the borrower is dated XXXXX Missing a copy of the report provided to the borrower on XXXXX and verification appraisal dated XXXXX was delivered to borrower. |  |  |  | Reviewer Comment (2020-05-04): XXXXX | 05/04/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Home Improvement | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56125062 | 34979789 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Commitment Fee. Fee Amount of XXXXX exceeds tolerance of XXXXX Sufficient or excess cure was provided to the borrower. | Cure provided at on PCCD |  |  |  | Reviewer Comment (2020-04-22): XXXXX |  | 04/22/2020 |  | 1<br> A |  | CA | Primary | Refinance - Cash-out - Home Improvement | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35)<br> C<br> B<br> A | Higher Priced QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 56125062 | 34979790 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank XXXXX): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Lender re-designated loan as Non QM. |  |  |  |  |  |  |  | 2<br> A<br> B |  | CA | Primary | Refinance - Cash-out - Home Improvement | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56125062 | 34979791 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Acknowledgement of receipt is dated prior to final report date. |  |  |  |  |  |  |  | 2<br> B |  | CA | Primary | Refinance - Cash-out - Home Improvement | C<br> B<br> A | Higher Priced QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56916192 | 34979794 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by XXXXX Provide updated policy reflecting minimum coverage of XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2020-05-21): XXXXX<br>Reviewer Comment (2020-05-20): XXXXX<br>Reviewer Comment (2020-05-15): XXXXX<br>Reviewer Comment (2020-05-08): XXXXX<br>Reviewer Comment (2020-04-30): XXXXX | 05/21/2020 |  |  | 1<br> C<br> A |  | LA | Second Home | Purchase | C<br> B<br> A | Higher Priced QM | Higher Priced QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 56916192 | 34979796 |  | Credit | Guideline | Guideline Issue | Guideline | Gift funds were used for the down payment, closing costs and/or reserves for a non primary residence. | - | Guidelines show gift funds are only allowed for purchase of primary residence, this transaction is a purchase of a secondary residence | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXXX<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXXX | DTI: XXXXX ; Guideline Maximum DTI: XXXXX<br>Disposable Income: XXXXX<br>Reserves: 17.60; Guideline Requirement: 6.00 | XXX,Originator<br>XXX<br>Originator,XXX<br>XXX<br>Originator,XXX<br>XXX | Reviewer Comment (2020-06-03): XXXXX<br>Reviewer Comment (2020-04-30): XXXXX |  |  | 06/03/2020 | 2<br> C<br> B |  | LA | Second Home | Purchase | C<br> B<br> A | Higher Priced QM | Higher Priced QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52973069 | 34979799 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Addendum to 1008/Loan Transmittal - XXXXX Comments states: See U/W XXXXX Notes. These were not provided. |  |  |  | Reviewer Comment (2020-04-30): XXXXX | 04/30/2020 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 52973069 | 34979800 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow for borrower to proceed as Asset Utilization of large inheritance with less than 12 months supporting bank statements. Borrower inherited XXXXX dollars from XXXXX when she passed in XXXXX | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least XXXXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXXX.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Guidelines Representative FICO: 700<br> Representative FICO: 753<br>Borrower on this full documentation loan has disposable income of XXXXX<br>Loan to Value: XXXXX<br> Guideline Maximum Loan to Value: XXXXX | XXX<br>Originator Pre-Close,XXX<br>XXX<br>XXX<br>XXX<br>Originator Pre-Close,XXX | Reviewer Comment (2020-04-28): XXXXX |  |  | 04/28/2020 | 2<br> B |  | FL | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59567208 | 34979804 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed XXXXX of title insurance coverage; however this is less than the loan amount of XXXXX Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2020-05-07): XXXXX | 05/07/2020 |  |  | 1<br> C<br> A |  | OK | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59567208 | 34979806 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | XXXXX Higher-Priced Mortgage Loan: APR on subject loan of XXXXX or Final Disclosure APR of XXXXX is in excess of allowable threshold of APOR XXXXX + XX.XX%, or XXXXX Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2<br> B |  | OK | Primary | Purchase | No obvious cure<br> C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 59567208 | 34979807 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax Fee was last disclosed as XXXXX on LE but disclosed as XXXXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include XXXXX 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 (2020-04-24): XXXXX |  | 04/24/2020 |  | 1<br> A |  | OK | Primary | Purchase | Final CD evidences Cure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50839803 | 34979814 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 4XXXXX moderately exceeds the guideline maximum of XXXXX. (DTI Exception is eligible to be regraded with compensating factors.) |  | Borrower has verified disposable income of at least XXXXX.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower on this full documentation loan has disposable income of XXXXX Minimum XXXXX required. | XXX,Originator Pre-Close<br>XXX<br>XXX<br>XXX<br>XXX<br>XXX | Reviewer Comment (2020-05-04): XXXXX |  |  | 05/04/2020 | 2<br> B |  | NV | Primary | Purchase | B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50839803 | 34979816 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of XXXXX exceeds Guideline total debt ratio of XXXXX. | Borrower has verified disposable income of at least XXXXX.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower on this full documentation loan has disposable income of XXXXX Minimum XXXXX required. | XXX,Originator Pre-Close<br>XXX<br>XXX<br>XXX<br>XXX<br>XXX | Reviewer Comment (2020-05-04): XXXXX |  |  | 05/04/2020 | 2<br> B |  | NV | Primary | Purchase | B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54855205 | 34979818 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | File is missing copy of executed Note |  |  |  | Reviewer Comment (2020-05-08): XXXXX | 05/08/2020 |  |  | 1<br> D<br> A |  | CA | Primary | Purchase | D<br> A<br> C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 54855205 | 34979823 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Addendum to 1008/Loan Transmittal - XXXXX Comments states: See U/W XXXXX Notes. These were not provided. |  |  |  | Reviewer Comment (2020-05-07): XXXXX | 05/07/2020 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | D<br> A<br> C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50269951 | 34979828 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The Demographic Information Addendum to the 1003 was not provided. |  |  |  | Reviewer Comment (2020-05-21): XXXXX | 05/21/2020 |  |  | 1<br> C<br> A |  | NC | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50269951 | 34979830 |  | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Missing NMLS Information on Security Instrument | Truth in Lending Act (NMLSR Dodd- Frank XXXXX): NMLSR information not present on Security Instrument. | The last page of the Security Instrument is missing from the loan file. |  |  |  | Reviewer Comment (2020-05-21): XXXXX | 05/21/2020 |  |  | 1<br> C<br> A |  | NC | Primary | Purchase | Need evidence that lender provided consumer with accurate NMLS information post close (addendum to Security Instrument)<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50269951 | 34979831 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank XXXXX): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXXX significantly exceeds the guideline maximum of XXXXX (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) |  |  |  |  | Reviewer Comment (2020-05-21): XXXXX | 05/21/2020 |  |  | 1<br> C<br> A |  | NC | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50269951 | 34979833 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXXX exceeds tolerance of XXXXX Insufficient or no cure was provided to the borrower. | Transfer tax was paid by the seller - no tolerance issue. |  |  |  | Reviewer Comment (2020-05-21): XXXXX | 05/21/2020 |  |  | 1<br> C<br> A |  | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 50269951 | 34979834 |  | Compliance | Compliance | State Compliance | State HPML | XXXXX Rate Spread Threshold Test Compliant | XXXXX Rate Spread Home Loan: APR on subject loan of XXXXX or Final Disclosure APR of XXXXX is in excess of allowable threshold of APOR XXXXX + XX.XX%, or XXXXX Compliant Rate Spread Home Loan. |  |  |  |  |  |  |  |  | 2<br> B<br> A |  | NC | Primary | Purchase | Within 90 days of closing and prior to institution of any action against the lender, (1) notify the borrower, and (2) make appropriate restitution at the option of the borrower to either (a) make the loan comply with prohibited acts and practices or (b) change the terms of the loan in a manner beneficial to the borrower so the loan is no longer rate spread.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery, provide:<br> (1) Legal opinion from originating lender with loan-specific details on how a rate spread home loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-rate spread loan or (b) keep loan as a rate spread loan and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place.<br> C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50269951 | 34979835 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor | TILA HPML appraisal Rule (Dodd-Frank XXXXX): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2<br> B |  | NC | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50269951 | 34979838 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Borrower is short to close as the one of the accounts used for qualifying is in the name of the borrower's spouse only and she is not on the loan. |  |  |  | Reviewer Comment (2020-05-28): XXXXX<br>Reviewer Comment (2020-05-21): XXXXX | 05/28/2020 |  |  | 1<br> C<br> A |  | NC | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50269951 | 34979839 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Borrower is short to close as one of the accounts used to qualify is in the name of the borrower's spouse only and she is not on the loan |  |  |  | Reviewer Comment (2020-05-28): XXXXX<br>Reviewer Comment (2020-05-21): XXXXX | 05/28/2020 |  |  | 1<br> C<br> A |  | NC | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 50269951 | 34979840 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. |  |  |  |  |  | Reviewer Comment (2020-05-28): XXXXX<br>Reviewer Comment (2020-05-21): XXXXX | 05/28/2020 |  |  | 1<br> C<br> A |  | NC | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |

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## Exhibit 99.1

![](situs_logo.jpg)

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| **Valuation Report** |
| **Run Date - 11/14/2025 4:32:23 PM** |

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Unique Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| [redacted] | [redacted] | [redacted] | [redacted] | 58830311 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 53573755 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50409521 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50377677 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51840239 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53084867 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53629977 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55373509 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59013026 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59372034 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 52398225 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 59501485 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 59747221 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 54457658 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 59978508 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56719895 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59187077 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50585549 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57521660 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50732239 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 53045206 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 53780958 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59043457 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57501269 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55446608 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54600471 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 52322231 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58712324 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53340969 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 55592595 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53781784 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54549726 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57889468 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 51054194 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55119086 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57084290 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 50342057 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 56360594 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 51445789 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51796712 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58495974 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50145645 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 51870094 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52885954 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 53107824 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.030% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51436288 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55063286 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53490117 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50139867 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57057302 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.560% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58936464 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58229913 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54174224 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.110% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 51103618 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 55280461 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59194902 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51078287 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 53924584 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50315172 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53764559 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50466163 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 57955917 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 56998967 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56928070 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 51038067 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.560% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54043522 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50008002 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 4.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55588142 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56459864 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.300% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51350105 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56083581 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.250% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 6.250% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58209564 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58251991 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52680196 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 50573167 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50330327 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57038991 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.070% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53997876 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51185570 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55065978 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 54906403 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59051095 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53993386 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 52523796 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58090498 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 56904133 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55039360 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51170978 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55642463 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53159213 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 58781366 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56171122 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56714562 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54104367 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58734689 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54856234 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58789330 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51784632 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50009768 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55639228 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58208922 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50219414 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53978704 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53759522 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59695849 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55334281 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.620% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 3.620% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57306419 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51571311 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57689582 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57106313 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53933158 |  |  |  |  |  |  | 2.860% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50960482 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59399083 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59726424 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.240% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55220156 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57796277 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59226111 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58720705 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54622063 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59503754 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55700883 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53094725 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 56407701 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53431787 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58528133 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57584145 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 57946656 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 55928354 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 57561516 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 55678965 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 58681099 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 51107161 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 58991347 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 58889081 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59426225 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57909739 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57391432 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54194647 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51993685 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54133081 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57963600 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 58427840 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 58445962 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 55418857 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 58215772 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 52100511 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 56282991 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 50126900 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.830% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 59743947 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 58762490 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 51540038 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57016872 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 55780046 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 58129267 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56075769 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51517361 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50225823 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50760558 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56895578 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55929359 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52935846 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56066130 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 51509078 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53190871 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.700% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57802085 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52243003 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59698675 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58927964 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50697494 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53195007 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55497562 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52725576 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54676004 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.480% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56581252 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58305499 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58816737 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58932627 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56409404 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56815905 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53929588 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58173915 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55969736 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50887932 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 9.250% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50773671 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50208720 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56388774 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52792326 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56782731 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51701562 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59596710 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57915199 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.810% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54458443 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53540754 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50815960 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57543560 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50708232 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.980% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51170762 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51428889 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57005897 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56618526 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50154373 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54492555 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50181489 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59549550 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56610173 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54691973 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52404933 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51919672 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.950% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 53682528 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54629592 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51223014 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57102501 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53412672 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 54958118 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59164330 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52118962 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58746223 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58528302 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57682068 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51123086 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51659067 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55660319 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52634376 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52304443 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53068796 |  |  |  |  |  |  | 10.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58962286 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58618428 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55152659 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50541682 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55198072 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56547953 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50061381 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.760% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50705517 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.300% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54085064 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52502967 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50890588 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54375205 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55042781 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59987662 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.900% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 53184584 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54092356 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51392886 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.480% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55372919 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 12.960% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 56005910 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54044533 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56125062 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56916192 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52973069 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59697733 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59567208 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53389546 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50839803 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54855205 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52454811 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50269951 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51354953 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57432930 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |

---

## Exhibit 99.1

![](situs_logo.jpg)

---

| |
|:---|
| **Supplemental Data** |
| **Run Date - 11/14/2025 4:32:24 PM** |

---

---

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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Unique Loan ID** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** |
| [redacted] | [redacted] | [redacted] | [redacted] | 58830311 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.700% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 2 | $3575.76 | $873.00 | $297.98 | $72.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 9/XX/2021 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 |  |  |  |  | No | No | 4.700% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.48 | 0.68 |  |  |  |  |  |  |  | 12/XX/2051 | $149460.68 | 46.940% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 37.37 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53573755 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.600% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $6624.96 | $810.96 | $552.08 | $67.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 9/XX/2021 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 4.600% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  | 360 | 1/XX/2062 | $1441374.91 | 100.000% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 624.04 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50409521 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.550% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2743.56 | $0.00 | $228.63 | $0.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/XX/2021 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 1.6 |  |  |  | Yes | No | 4.550% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | 1/XX/2052 | $155772.52 | 62.300% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 60.5 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50377677 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.725% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $8306.88 | $2586.96 | $692.24 | $215.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/XX/2021 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX |  |  |  | $0.00 | 1.0 |  |  |  | Yes | No | 4.725% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  |  | 1/XX/2052 | $291863.47 | 69.650% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 71.53 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51840239 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 5.075% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $12663.36 | $1413.96 | $1055.28 | $117.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/XX/2021 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 5.075% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.7 | 0.59 |  |  |  |  |  |  |  | 1/XX/2052 | $238989.31 | 39.830% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.53 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53084867 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 5.100% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $21200.76 | $1196.04 | $1766.73 | $99.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/XX/2021 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 2.1 |  |  |  | Yes | No | 5.100% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | 1/XX/2052 | $150112.85 | 32.280% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.05 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53629977 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.675% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $4683.72 | $888.96 | $390.31 | $74.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/XX/2021 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 4.675% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | 1/XX/2052 | $89803.64 | 24.800% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.46 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55373509 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.325% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4002.00 | $1340.04 | $333.50 | $111.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/XX/2021 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 2.2 |  |  |  | No | No | 4.325% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | 1/XX/2052 |  |  |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 39.14 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59013026 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.950% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2410.80 | $713.04 | $200.90 | $59.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 9/XX/2021 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 1.0 |  |  |  | No | No | 4.950% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | 11/XX/2051 | $43731.92 |  |  |  |  |  |  |  | Commitment | Fee Simple | Corp | Business Entity | Individual | Shareholder |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 53.07 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59372034 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.450% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | $13332.96 | $4473.96 | $1111.08 | $372.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/XX/2021 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 |  |  |  |  | No | No | 4.450% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.73 |  |  |  |  |  |  |  | 12/XX/2051 | $1148998.99 | 100.000% |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 252.2 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52398225 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 5.240% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | $11274.96 | $1241.04 | $939.58 | $103.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/XX/2021 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 |  |  |  |  | No | No | 5.240% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  | 360 | 12/XX/2061 | $246676.54 | 27.340% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.47 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59501485 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.550% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $6950.04 | $879.96 | $579.17 | $73.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/XX/2021 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 |  |  |  |  | No | No | 4.550% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | 1/XX/2052 | $137240.71 | 34.310% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.13 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59747221 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 5.450% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 2 | $6205.44 | $2154.96 | $517.12 | $179.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/XX/2021 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 5.450% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.87 | 0.54 |  |  |  |  |  |  |  | 1/XX/2052 | $10000.00 | 4.950% |  |  |  |  |  |  | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 18.9 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54457658 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.800% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $14144.52 | $1469.16 | $1178.71 | $122.43 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/XX/2021 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 |  |  |  |  | No | No | 4.800% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.82 |  |  |  |  |  |  | 360 | 1/XX/2062 | $66770.75 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.94 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59978508 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 5.075% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4616.76 | $1686.00 | $384.73 | $140.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 9/XX/2021 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX |  |  |  | $0.00 | 2.8 |  |  |  | No | No | 5.075% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 1/XX/2052 | $94870.32 | 46.270% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.85 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56719895 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.715% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $12775.44 | $1680.00 | $1064.62 | $140.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/XX/2021 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 2.8 |  |  |  | Yes | No | 4.715% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  |  |  |  | 1/XX/2052 | $288335.89 | 51.950% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.72 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59187077 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 5.100% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $300.84 | $1130.04 | $25.07 | $94.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/XX/2021 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX |  |  |  | $0.00 | 2.0 |  |  |  | Yes | No | 5.100% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.83 | 0.55 |  |  |  |  |  |  |  | 1/XX/2052 | $3472.96 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 152.73 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50585549 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 5.575% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2984.64 | $3532.20 | $248.72 | $294.35 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/XX/2021 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 1.6 |  |  |  | Yes | No | 5.575% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $136223.93 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.09 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57521660 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 5.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3838.32 | $2999.04 | $319.86 | $249.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/XX/2021 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 1.0 |  |  |  | No | No | 5.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | 1/XX/2052 | $590764.21 | 59.670% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 73.84 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50732239 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.475% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 2 | $6614.04 | $1848.96 | $551.17 | $154.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/XX/2021 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 |  |  |  |  | No | No | 4.475% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | 1/XX/2052 | $84028.96 |  |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Other | FICO Risk Score Classic 04 | Fair Isaac | Other | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 27.23 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53045206 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.950% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $5306.04 | $2743.92 | $442.17 | $228.66 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/XX/2021 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 |  |  |  |  | No | No | 4.950% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 1/XX/2052 | $86817.01 | 26.300% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 45.64 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53780958 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.300% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $1837.80 | $795.96 | $153.15 | $66.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/XX/2021 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX |  |  |  | $0.00 | 1.0 |  |  |  | Yes | No | 4.300% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 1/XX/2052 | $270536.57 | 64.260% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 86.53 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59043457 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 5.450% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2584.68 | $800.04 | $215.39 | $66.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/XX/2021 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 2.0 |  |  |  | Yes | No | 5.450% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.54 | 0.65 |  |  |  |  |  |  |  | 1/XX/2052 | $85506.35 | 27.580% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.55 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57501269 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.450% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2486.16 | $1560.96 | $207.18 | $130.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/XX/2021 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 1.0 |  |  |  | No | No | 4.450% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.63 | 0.61 |  |  |  |  |  |  |  | 1/XX/2052 |  |  |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 20.65 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55446608 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 5.050% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $982.08 | $516.00 | $81.84 | $43.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/XX/2021 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 1.0 |  |  |  | Yes | No | 5.050% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | 1/XX/2052 | $84791.54 | 26.370% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.43 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54600471 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.550% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $2959.56 | $1520.04 | $246.63 | $126.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/XX/2021 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 |  |  |  |  | No | No | 4.550% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.6 | 0.63 |  |  |  |  |  |  |  | 1/XX/2052 | $7425.88 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 39.45 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52322231 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.475% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5537.88 | $1446.00 | $461.49 | $120.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/XX/2021 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 1.0 |  |  |  | Yes | No | 4.475% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | 1/XX/2052 | $10000.00 | 2.560% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.8 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58712324 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.925% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $3431.04 | $693.96 | $285.92 | $57.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/XX/2021 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 1.0 |  |  |  | No | No | 4.925% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | 1/XX/2052 | $6519.48 |  |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 102.28 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53340969 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 6.090% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $14800.08 | $1957.68 | $1233.34 | $163.14 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/XX/2021 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 1 | 1 | No |  | XXX |  |  |  | $0.00 |  |  |  |  | No | No | 6.090% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  | 360 | 1/XX/2062 | $366413.25 | 57.340% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 48.11 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 2 | 0 | 0 | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55592595 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2777.52 | $468.96 | $231.46 | $39.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/XX/2021 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX |  |  |  | $0.00 | 1.0 |  |  |  | Yes | No | 4.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.13 |  |  |  |  |  |  |  | 1/XX/2052 | $3834.22 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 109.26 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53781784 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.275% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $12597.00 | $1739.04 | $1049.75 | $144.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 9/XX/2021 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 4.0 |  |  |  | No | No | 4.275% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  | 360 | 1/XX/2062 | $168521.20 | 28.080% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 52.13 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54549726 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.550% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2798.04 | $344.76 | $233.17 | $28.73 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/XX/2021 | 819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 1.0 |  |  |  | No | No | 4.550% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.77 |  |  |  |  |  |  |  | 1/XX/2052 | $96727.85 | 36.500% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.22 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57889468 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.950% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $3062.52 | $701.52 | $255.21 | $58.46 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/XX/2021 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 |  |  |  |  | No | No | 4.950% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.6 | 0.63 |  |  |  |  |  |  |  | 1/XX/2052 | $5000.00 | 2.040% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 463.9 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51054194 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.575% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1581.96 | $1038.96 | $131.83 | $86.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/XX/2021 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 1.5 |  |  |  | No | No | 4.575% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | 1/XX/2052 | $82886.09 | 55.250% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.3 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55119086 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.675% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1535.04 | $357.00 | $127.92 | $29.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/XX/2021 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX |  |  |  | $0.00 | 2.6 |  |  |  | No | No | 4.675% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.77 |  |  |  |  |  |  |  | 1/XX/2052 |  |  |  |  |  |  |  |  | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 113.97 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57084290 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 5.475% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $2805.00 | $1185.96 | $233.75 | $98.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/XX/2021 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 |  |  |  |  | No | No | 5.475% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.73 |  |  |  |  |  |  |  | 1/XX/2052 | $291312.51 | 100.000% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 152.06 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50342057 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 5.433% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $4051.80 | $1569.00 | $337.65 | $130.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/XX/2021 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 |  |  |  |  | No | No | 5.433% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | 1/XX/2052 | $97288.80 | 11.440% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.5 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56360594 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 5.475% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $2854.20 | $1370.04 | $237.85 | $114.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/XX/2021 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 |  |  |  |  | No | No | 5.475% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | 1/XX/2052 | $83985.99 | 30.540% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.5 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51445789 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 5.325% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | $4890.60 | $1085.04 | $407.55 | $90.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/XX/2021 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX |  |  |  | $0.00 | 1.1 |  |  |  | No | No | 5.325% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 55.38 | 0.02 |  |  |  |  |  |  |  | 1/XX/2052 | $97747.73 | 25.380% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51796712 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.675% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $5385.12 | $1695.96 | $448.76 | $141.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/XX/2021 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 2.1 |  |  |  | Yes | No | 4.675% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | 1/XX/2052 | $243889.63 | 65.910% |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 88.23 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58495974 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 5.050% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $5700.00 | $704.04 | $475.00 | $58.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/XX/2021 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX |  |  |  | $0.00 | 1.0 |  |  |  | No | No | 5.050% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.5 | 0.67 |  |  |  |  |  |  |  | 1/XX/2052 | $105527.04 |  |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 76.7 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50145645 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 5.725% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | $3393.24 | $2097.96 | $282.77 | $174.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/XX/2021 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 |  |  |  |  | No | No | 5.725% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.63 | 0.61 |  |  |  |  |  |  |  | 1/XX/2052 | $325223.76 | 100.000% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 160.13 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51870094 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.408% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6843.00 | $2156.04 | $570.25 | $179.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/XX/2021 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 3.5 |  |  |  | No | No | 4.408% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.35 | 0.43 |  |  |  |  |  |  |  | 1/XX/2052 | $67505.80 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.81 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52885954 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 5.075% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | $12729.72 | $2698.08 | $1060.81 | $224.84 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/XX/2021 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 5.075% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.02 | 0.49 |  |  |  |  |  |  | 360 | 1/XX/2062 | $123463.18 | 30.860% |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 13.74 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53107824 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.925% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $24431.64 | $16401.72 | $2035.97 | $1366.81 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/XX/2021 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 3.1 |  |  |  | No | No | 4.925% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  | 360 | 1/XX/2062 | $1578489.01 | 54.430% |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 87.5 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51436288 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.700% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $9897.36 | $6299.04 | $824.78 | $524.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 9/XX/2021 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 2.2 |  |  |  | Yes | No | 4.700% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.09 | 0.48 |  |  |  |  |  |  |  | 12/XX/2051 | $1288271.82 | 100.000% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 179.34 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55063286 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 5.365% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2855.64 | $1581.00 | $237.97 | $131.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/XX/2021 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 1.0 |  |  |  | Yes | No | 5.365% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.83 | 0.55 |  |  |  |  |  |  |  | 1/XX/2052 |  |  |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 9.17 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53490117 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 7.015% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $8024.04 | $1149.96 | $668.67 | $95.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/XX/2021 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 1.0 |  |  |  | Yes | No | 7.015% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.19 |  |  |  |  |  |  |  | 2/XX/2052 | $144129.50 | 39.480% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.1 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50139867 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.325% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $9419.52 | $1968.96 | $784.96 | $164.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/XX/2021 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX |  |  |  | $0.00 | 1.4 |  |  |  | No | No | 4.325% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  | 360 | 1/XX/2062 | $318799.75 | 46.540% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.22 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57057302 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.925% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $3302.28 | $756.00 | $275.19 | $63.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/XX/2021 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 1.0 |  |  |  | No | No | 4.925% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | 1/XX/2052 | $6519.48 |  |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 139.21 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58936464 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.450% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1827.48 | $695.04 | $152.29 | $57.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/XX/2021 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 1.0 |  |  |  | Yes | No | 4.450% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | 1/XX/2052 | $125423.25 | 32.150% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.48 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58229913 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.950% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $3280.92 | $851.04 | $273.41 | $70.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/XX/2021 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX |  |  |  | $0.00 | 1.0 |  |  |  | Yes | No | 4.950% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | 1/XX/2052 | $104955.24 | 37.480% |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 33.85 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54174224 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 5.483% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $1275.84 | $1442.04 | $106.32 | $120.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/XX/2021 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 |  |  |  |  | No | No | 5.483% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.8 | 0.56 |  |  |  |  |  |  |  | 1/XX/2052 |  |  |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 57.77 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51103618 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 5.350% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1922.04 | $2144.52 | $160.17 | $178.71 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/XX/2021 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 5.350% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.68 |  |  |  |  |  |  |  | 1/XX/2052 | $138993.66 | 46.330% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 39.53 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55280461 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.450% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $1990.44 | $729.96 | $165.87 | $60.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/XX/2021 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 1.0 |  |  |  | N/A | No | 4.450% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.02 | 0.5 |  |  |  |  |  |  |  | 1/XX/2052 | $330774.15 |  |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | 353.42 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59194902 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.425% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $4355.16 | $789.00 | $362.93 | $65.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/XX/2021 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX |  |  |  | $0.00 | 1.1 |  |  |  | No | No | 4.425% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.74 | 0.58 |  |  |  |  |  |  |  | 1/XX/2052 | $61768.64 | 19.600% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.62 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51078287 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.450% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $8550.24 | $2559.96 | $712.52 | $213.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/XX/2021 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 |  |  |  |  | No | No | 4.450% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.42 | 0.71 |  |  |  |  |  |  | 360 | 1/XX/2062 | $550118.81 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 84.79 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53924584 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.300% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $2786.28 | $427.56 | $232.19 | $35.63 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/XX/2021 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX |  |  |  | $0.00 | 1.0 |  |  |  | No | No | 4.300% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.82 |  |  |  |  |  |  |  | 1/XX/2052 | $894752.69 | 100.000% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 365.2 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50315172 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 5.600% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3894.00 | $758.04 | $324.50 | $63.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/XX/2021 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 1.0 |  |  |  | No | No | 5.600% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | 1/XX/2052 | $148976.25 | 58.140% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 58.21 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53764559 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 5.050% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $5675.76 | $714.00 | $472.98 | $59.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/XX/2021 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX |  |  |  | $0.00 | 2.3 |  |  |  | No | No | 5.050% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.5 | 0.67 |  |  |  |  |  |  |  | 1/XX/2052 | $107906.05 |  |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 74.75 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50466163 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.700% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | $2716.56 | $1323.96 | $226.38 | $110.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/XX/2021 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 |  |  |  |  | No | No | 4.700% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.45 | 0.41 |  |  |  |  |  |  |  | 1/XX/2052 | $15119.07 |  |  |  |  |  |  |  | Preliminary | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 49.42 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57955917 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.925% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | $3499.56 | $2599.44 | $291.63 | $216.62 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/XX/2021 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX |  |  |  | $0.00 |  |  |  |  | No | No | 4.925% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.77 | 0.56 |  |  |  |  |  |  |  | 1/XX/2052 | $10000.00 | 2.080% |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 20.01 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56998967 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.450% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1351.20 | $494.04 | $112.60 | $41.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/XX/2021 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 2.6 |  |  |  | No | No | 4.450% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | 1/XX/2052 | $61022.97 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.41 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56928070 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.933% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6028.20 | $957.00 | $502.35 | $79.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/XX/2021 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 4.933% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.54 | 0.65 |  |  |  |  |  |  |  | 1/XX/2052 | $122498.29 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.56 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51038067 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 5.390% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $9864.60 | $2464.92 | $822.05 | $205.41 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/XX/2021 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX |  |  |  | $0.00 | 1.0 |  |  |  | No | No | 5.390% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  |  |  |  | 1/XX/2052 | $60183.77 | 2.230% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 75.88 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54043522 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.325% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $522.96 | $951.96 | $43.58 | $79.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/XX/2021 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX |  |  |  | $0.00 | 1.0 |  |  |  | No | No | 4.325% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.68 |  |  |  |  |  |  |  | 1/XX/2052 | $204334.10 | 43.840% |  |  |  |  |  |  | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Not Applicable | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.99 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50008002 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 4.950% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5525.04 | $3410.04 | $460.42 | $284.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/XX/2021 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Full Documentation (F) | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 | 4.7 |  |  |  | Yes | No | 4.950% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 1/XX/2052 | $45706.55 | 9.930% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.37 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55588142 | Non QM |  |  |  | Yes | No | $11644.00 | $6303.10 |  | XX.XX% | $XXX | $XXX | 5.187% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9542.48 | 1 | $8124.96 | $2718.00 | $677.08 | $226.50 |  |  |  |  |  | 46.490% | 46.490% | 46.490% | 10/XX/2021 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 30.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $11644.00 |  | 3.140% | $0.00 | 1.8 |  |  |  | N/A | No | 5.187% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $304575.78 | 46.850% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 48.7 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56459864 | Non QM |  |  |  | Yes | No | $27610.00 | $8296.03 |  | XX.XX% | $XXX | $XXX | 4.812% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $33791.69 | 1 | $24375.00 | $4173.96 | $2031.25 | $347.83 |  |  |  |  |  | 26.489% | 26.489% | 26.489% | 11/XX/2021 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; CPA Letter - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $27610.00 |  | 3.160% | $0.00 | 3.2 |  |  |  | No | No | 4.812% | 0 | 0 | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $278295.48 | 14.270% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 13.28 |  | Yes | No |  | $22984.03 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51350105 | Non QM |  |  |  | Yes | No | $9536.00 | $2619.00 |  | XX.XX% | $XXX | $XXX | 5.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8898.02 | 1 | $10908.36 | $812.04 | $909.03 | $67.67 |  |  |  |  |  | 25.334% | 25.334% | 25.334% | 11/XX/2021 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $9536.00 |  | 3.160% | $4000.00 | 1.0 |  |  |  | No | No | 5.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $3350.90 | 0.910% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.21 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56083581 | Non QM |  |  |  | Yes | No | $1335.00 | $2494.14 |  | XX.XX% | $XXX | $XXX | 4.937% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16109.66 | 1 | $20000.04 | $501.96 | $1666.67 | $41.83 |  |  |  |  |  | 40.697% | 40.697% | 40.697% | 11/XX/2021 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 71.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $1335.00 |  | 2.870% | $80020.00 | 2.8 |  |  |  | Yes | No | 4.937% | 0 | 2 | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $113566.22 | 7.090% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 5.53 |  |  | No |  | $0.00 | $7959.08 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58209564 | Non QM |  |  |  | Yes | No | $11005.00 | $13264.45 |  | XX.XX% | $XXX | $XXX | 5.187% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8644.95 | 1 | $9125.04 | $882.00 | $760.42 | $73.50 |  |  |  |  |  | 36.550% | 36.550% | 36.550% | 11/XX/2021 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; CPA Letter - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2021 | [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $11005.00 |  | 3.160% | $0.00 | 1.5 |  |  |  | No | No | 5.187% | 0 | 0 | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $167145.07 | 22.890% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 15.03 |  |  | No |  | $13624.91 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58251991 | Non QM |  |  |  | Yes | No | $44297.75 | $20941.81 |  | XX.XX% | $XXX | $XXX | 5.187% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $45866.56 | 1 | $35000.04 | $4796.04 | $2916.67 | $399.67 |  |  |  |  |  | 40.856% | 37.445% | 40.856% | 12/XX/2021 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2021<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 1 | 0 | No |  | XXX | $44297.75 |  | 3.160% | $500000.00 | 3.1 |  |  |  | No | No | 5.187% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 360 | 1/XX/2062 | $770003.78 | 27.500% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.37 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52680196 | N/A |  |  |  | No | No | $7815.50 | $4515.25 |  | XX.XX% | $XXX | $XXX | 5.780% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13956.42 | 4 | $4062.48 | $1498.20 | $338.54 | $124.85 |  |  |  |  |  | 14.556% | 14.556% | 14.556% | 11/XX/2021 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX | $7815.50 |  | 3.030% | $0.00 |  |  |  |  | No | No | 5.780% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $5000.00 | 1.530% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.51 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50573167 | Non QM |  |  |  | Yes | No | $15310.00 | $17618.23 |  | XX.XX% | $XXX | $XXX | 4.700% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6342.48 | 1 | $9132.24 | $1235.04 | $761.02 | $102.92 |  |  |  |  |  | 51.329% | 51.329% | 51.329% | 12/XX/2021 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $15310.00 |  | 3.170% | $0.00 | 1.0 |  |  |  | No | No | 4.700% | 1 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $602105.39 | 74.790% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 83.04 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50330327 | Non QM |  |  |  | Yes | No | $16997.54 | $23716.12 |  | XX.XX% | $XXX | $XXX | 5.075% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $37900.09 | 1 | $8415.84 | $3076.56 | $701.32 | $256.38 |  |  |  |  |  | 28.196% | 28.196% | 28.196% | 8/XX/2021 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $16997.54 |  | 2.930% | $0.00 | 2.2 |  |  |  | No | No | 5.075% | 1 | 0 | 1 | 0 | 3 | 1 |  |  | 5.97 | No |  |  |  |  |  |  |  |  |  | 11/XX/2051 | $306058.65 | 20.610% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 125.32 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57038991 | Non QM |  |  |  | Yes | No | $18615.00 | $2859.88 |  | XX.XX% | $XXX | $XXX | 4.937% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $139931.12 | 1 | $8066.16 | $1405.20 | $672.18 | $117.10 |  |  |  |  |  | 7.840% | 7.148% | 7.840% | 11/XX/2021 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; CPA Letter - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019 | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $18615.00 |  | 2.890% | $0.00 | 2.6 |  |  |  | Yes | No | 4.937% | 0 | 0 | 1 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  | 360 | 12/XX/2061 | $40811.77 |  |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 9.11 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53997876 | Non QM |  |  |  | Yes | No | $2531.15 | $4905.45 |  | XX.XX% | $XXX | $XXX | 5.387% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $34336.18 | 1 | $10158.48 | $2592.00 | $846.54 | $216.00 |  |  |  |  |  | 18.626% | 18.626% | 18.626% | 10/XX/2021 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2017<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2017 | [Borrower]; 4506-C - 2020<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Account Transcripts - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Account Transcripts - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Account Transcripts - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Account Transcripts - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; Account Transcripts - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $2531.15 |  | 3.040% | $0.00 | 1.2 |  |  |  | Yes | No | 5.387% | 0 | 0 | 0 | 0 | 3 | 3 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 12/XX/2051 | $815168.37 | 94.230% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 122.75 |  |  | No |  | $21097.84 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51185570 | Non QM |  |  |  | Yes | No | $1690.00 | $3790.41 |  | XX.XX% | $XXX | $XXX | 4.450% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3125.80 | 1 | $1916.64 | $894.96 | $159.72 | $74.58 |  |  |  |  |  | 37.484% | 37.484% | 37.484% | 10/XX/2021 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $1690.00 |  | 3.140% | $2000.00 | 1.0 |  |  |  | Yes | No | 4.450% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $113687.22 | 28.420% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.08 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55065978 | Non QM |  |  |  | Yes | No | $4650.00 | $6047.26 |  | XX.XX% | $XXX | $XXX | 4.955% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10730.53 | 2 | $3898.80 | $1467.96 | $324.90 | $122.33 |  |  |  |  |  | 19.356% | 19.356% | 19.356% | 11/XX/2021 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $4650.00 |  | 3.040% | $105000.00 |  |  |  |  | No | No | 4.955% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 12/XX/2051 | $0.00 | 0.000% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.25 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54906403 | Non QM |  |  |  | Yes | No | $8655.00 | $10894.90 |  | XX.XX% | $XXX | $XXX | 5.612% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4966.31 | 1 | $4606.32 | $586.44 | $383.86 | $48.87 |  |  |  |  |  | 42.628% | 42.628% | 42.628% | 11/XX/2021 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $8655.00 |  | 3.140% | $5000.00 | 1.0 |  |  |  | Yes | No | 5.612% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $3000.00 | 0.810% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Not Applicable | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.52 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59051095 | Non QM |  |  |  | Yes | No | $14505.34 | $8757.94 |  | XX.XX% | $XXX | $XXX | 5.063% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $8108.31 | 1 | $1293.36 | $4392.00 | $107.78 | $366.00 |  |  |  |  |  | 25.105% | 25.105% | 25.105% | 11/XX/2021 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX | $14505.34 |  | 3.200% | $0.00 | 1.0 |  |  |  | No | No | 5.063% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $102363.84 | 28.000% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 12.2 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53993386 | Non QM |  |  |  | Yes | No | $12902.50 | $14426.52 |  | XX.XX% | $XXX | $XXX | 4.990% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $32760.55 | 2 | $4409.40 | $2505.96 | $367.45 | $208.83 |  |  |  |  |  | 18.960% | 18.960% | 18.960% | 11/XX/2021 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2021<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $12902.50 |  | 2.910% | $0.00 |  |  |  |  | No | No | 4.990% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 12/XX/2051 |  |  |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 8.62 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52523796 | Non QM |  |  |  | Yes | No | $8542.50 | $11990.40 |  | XX.XX% | $XXX | $XXX | 5.312% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7755.30 | 1 | $7437.48 | $744.96 | $619.79 | $62.08 |  |  |  |  |  | 35.576% | 35.576% | 35.576% | 10/XX/2021 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; CPA Letter - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX | $8542.50 |  | 3.140% | $0.00 | 1.0 |  |  |  | Yes | No | 5.312% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $47293.52 | 7.940% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.73 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58090498 | Non QM |  |  |  | Yes | No | $1785.00 | $3430.39 |  | XX.XX% | $XXX | $XXX | 4.437% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $13919.48 | 1 | $3155.28 | $416.04 | $262.94 | $34.67 |  |  |  |  |  | 28.304% | 28.304% | 28.304% | 10/XX/2021 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $1785.00 |  | 3.030% | $10625.00 |  |  |  |  | N/A | No | 4.437% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $15000.00 | 3.400% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 12.68 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56904133 | Non QM |  |  |  | Yes | No | $3785.00 | $6039.54 |  | XX.XX% | $XXX | $XXX | 4.938% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4965.88 | 1 | $3639.48 | $1155.00 | $303.29 | $96.25 |  |  |  |  |  | 31.334% | 31.334% | 31.334% | 10/XX/2021 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Personal - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Other - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Other - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX | $3785.00 |  | 3.100% | $0.00 | 1.0 |  |  |  | Yes | No | 4.938% | 0 |  | 0 | 0 | 2 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $36180.35 | 23.960% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.24 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55039360 | N/A |  |  |  | No | No | $17144.53 | $13539.04 |  | XX.XX% | $XXX | $XXX | 5.312% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12358.01 | 1 | $4332.36 | $810.00 | $361.03 | $67.50 |  |  |  |  |  | 48.421% | 48.421% | 48.421% | 9/XX/2021 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Other - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Other - 2008 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $17144.53 |  | 3.030% | $0.00 | 1.0 |  |  |  | Yes | No | 5.312% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $405811.45 | 100.000% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 143.53 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 9 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51170978 | Non QM |  |  |  | Yes | No | $11005.00 | $4149.96 |  | XX.XX% | $XXX | $XXX | 5.125% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Mexico |  |  |  | $10578.46 | 1 | $3419.52 | $827.40 | $284.96 | $68.95 |  |  |  |  |  | 23.773% | 23.773% | 23.773% | 9/XX/2021 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Personal - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; CPA Letter - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $11005.00 |  | 3.140% | $0.00 | 1.9 |  |  |  | N/A | No | 5.125% | 0 |  | 0 | 0 | 2 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $88300.50 | 16.350% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 9.49 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55642463 | N/A |  |  |  | No | No | $8374.48 | $3927.30 |  | XX.XX% | $XXX | $XXX | 5.450% | No | No | Employed |  |  |  |  |  | Foreign National |  |  |  | Venezuela (Bolivarian Republic of) | Venezuela (Bolivarian Republic of) |  |  | $11001.38 | 1 | $3503.88 | $984.24 | $291.99 | $82.02 |  |  |  |  |  | 11.989% | 11.989% | 11.989% | 10/XX/2021 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; WVOE - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX | $8374.48 |  | 3.030% | $0.00 | 1.0 |  |  |  | No | No | 5.450% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $379531.45 | 100.000% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 204.51 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53159213 | Non QM |  |  |  | Yes | No | $31088.00 | $6950.44 |  | XX.XX% | $XXX | $XXX | 5.875% | No | No | Not Employed | Self-Employed | Self-Employed |  | 5.29 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $14658.51 | 2 | $7244.64 | $12457.08 | $603.72 | $1038.09 |  |  |  |  |  | 42.317% | 37.969% | 42.317% | 10/XX/2021 | 702 | 716 | 702 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | Yes | 12 | Business | 100.000% |  | 30.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $31088.00 |  | 3.030% | $9000.00 |  |  |  |  | No | No | 5.875% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 360 | 1/XX/2062 | $297564.07 | 23.330% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | 26.2 |  | No | No |  | $25412.12 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58781366 | Non QM |  |  |  | Yes | No | $4000.00 | $6254.90 |  | XX.XX% | $XXX | $XXX | 5.687% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8459.33 | 1 | $7444.56 | $673.80 | $620.38 | $56.15 |  |  |  |  |  | 29.242% | 29.242% | 29.242% | 10/XX/2021 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Personal, Business | 100.000% |  |  |  | [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Personal - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $4000.00 |  | 3.100% | $3000.00 | 3.5 |  |  |  | No | No | 5.687% | 0 |  | 0 | 0 | 2 | 0 | 24 | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $47818.02 | 13.940% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.63 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56171122 | Non QM |  |  |  | Yes | No | $19007.50 | $8933.42 |  | XX.XX% | $XXX | $XXX | 5.105% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Mexico |  |  |  | $12271.96 | 1 | $8687.52 | $1421.04 | $723.96 | $118.42 |  |  |  |  |  | 33.712% | 33.712% | 33.712% | 10/XX/2021 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $19007.50 |  | 3.160% | $3550.00 | 1.3 |  |  |  | No | No | 5.105% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $164528.92 | 23.670% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 17.17 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56714562 | Non QM |  |  |  | Yes | No | $16135.00 | $18622.85 |  | XX.XX% | $XXX | $XXX | 5.812% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $268786.55 | 1 | $10232.52 | $3108.48 | $852.71 | $259.04 |  |  |  |  |  | 1.955% | 1.955% | 1.955% | 10/XX/2021 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $16135.00 |  | 3.160% | $0.00 | 2.6 |  |  |  | No | No | 5.812% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $246853.95 | 36.570% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.23 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54104367 | Non QM |  |  |  | Yes | No | $15902.37 | $6999.12 |  | XX.XX% | $XXX | $XXX | 5.187% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10179.88 | 1 | $6286.80 | $890.04 | $523.90 | $74.17 |  |  |  |  |  | 37.208% | 37.208% | 37.208% | 11/XX/2021 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Other - 2013 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX | $15902.37 |  | 3.160% | $3500.00 | 2.6 |  |  |  | No | No | 5.187% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $56734.01 | 12.220% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.95 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58734689 | Non QM |  |  |  | Yes | No | $7472.50 | $8067.13 |  | XX.XX% | $XXX | $XXX | 5.060% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15831.24 | 1 | $3780.60 | $1456.92 | $315.05 | $121.41 |  |  |  |  |  | 18.082% | 18.082% | 18.082% | 10/XX/2021 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Other - 2012 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $7472.50 |  | 3.160% | $0.00 | 4.1 |  |  |  | No | No | 5.060% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 |  |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.35 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54856234 | Non QM |  |  |  | Yes | No | $13586.00 | $3085.72 |  | XX.XX% | $XXX | $XXX | 5.687% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $64263.50 | 1 | $6800.04 | $2493.60 | $566.67 | $207.80 |  |  |  |  |  | 12.164% | 12.164% | 12.164% | 10/XX/2021 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $13586.00 |  | 3.030% | $0.00 | 1.6 |  |  |  | No | No | 5.687% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $2500.00 | 0.430% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.02 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58789330 | Non QM |  |  |  | Yes | No | $2135.00 | $3309.50 |  | XX.XX% | $XXX | $XXX | 5.312% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5285.51 | 1 | $2097.84 | $4626.00 | $174.82 | $385.50 |  |  |  |  |  | 32.962% | 32.962% | 32.962% | 10/XX/2021 | 657 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; CPA Letter - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $2135.00 |  | 3.160% | $1500.00 | 3.8 |  |  |  | No | No | 5.312% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $349841.36 | 84.290% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 51.68 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51784632 | Non QM |  |  |  | Yes | No | $10645.00 | $2865.45 |  | XX.XX% | $XXX | $XXX | 5.462% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $41439.26 | 1 | $3084.96 | $3731.04 | $257.08 | $310.92 |  |  |  |  |  | 19.511% | 19.511% | 19.511% | 11/XX/2021 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $10645.00 |  | 3.140% | $0.00 | 2.6 |  |  |  | Yes | No | 5.462% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $26943.79 | 4.600% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.62 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50009768 | Non QM |  |  |  | Yes | No | $15985.00 | $4165.32 |  | XX.XX% | $XXX | $XXX | 4.937% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $222357.05 | 1 | $1115.40 | $1149.96 | $92.95 | $95.83 |  |  |  |  |  | 9.285% | 9.285% | 9.285% | 11/XX/2021 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX | $15985.00 |  | 3.140% | $7500.00 | 1.2 |  |  |  | No | No | 4.937% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $332521.91 | 31.660% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 138.35 |  | No | No |  | $122558.04 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55639228 | Non QM |  |  |  | Yes | No | $7109.00 | $101.53 |  | XX.XX% | $XXX | $XXX | 4.812% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4886.10 | 1 | $6722.52 | $468.00 | $560.21 | $39.00 |  |  |  |  |  | 41.252% | 41.252% | 41.252% | 10/XX/2021 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; CPA Letter - 2021<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX | $7109.00 |  | 3.030% | $10000.00 | 1.0 |  |  |  | No | No | 4.812% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $15533.90 | 2.880% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.08 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58208922 | Non QM |  |  |  | Yes | No | $15958.00 | $7795.18 |  | XX.XX% | $XXX | $XXX | 5.325% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5168.73 | 1 | $8500.08 | $3794.64 | $708.34 | $316.22 |  |  |  |  |  | 46.245% | 46.245% | 46.245% | 10/XX/2021 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX | $15958.00 |  | 3.140% | $0.00 | 2.9 |  |  |  | No | No | 5.325% | 2 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $186673.62 | 27.450% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.87 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50219414 | Non QM |  |  |  | Yes | No | $22131.00 | $6012.37 |  | XX.XX% | $XXX | $XXX | 5.187% | No | Yes | Not Employed | Not Employed | Self-Employed |  | 8.41 |  | Permanent Resident Alien | US Citizen | US Citizen |  |  |  |  |  | $63315.68 | 1 | $13625.04 | $1215.12 | $1135.42 | $101.26 |  |  |  |  |  | 16.087% | 16.087% | 16.087% | 11/XX/2021 | 730 | 718 | 739 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | Yes | 24 | Business | 100.000% |  |  |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; CPA Letter - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Other - 2016 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $22131.00 |  | 3.160% | $0.00 | 1.1 |  |  |  | No | No | 5.187% | 0 | 0 | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $188919.97 | 17.330% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  | Resident Alien Card |  |  |  |  | 9.66 |  | No | No |  | $75454.20 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53978704 | Non QM |  |  |  | Yes | No | $6996.75 | $4029.80 |  | XX.XX% | $XXX | $XXX | 4.812% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6422.23 | 1 | $5493.36 | $789.72 | $457.78 | $65.81 |  |  |  |  |  | 33.589% | 33.589% | 33.589% | 10/XX/2021 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $6996.75 |  | 3.160% | $6500.00 | 4.2 |  |  |  | No | No | 4.812% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $82749.67 | 19.700% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.16 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53759522 | Non QM |  |  |  | Yes | No | $17013.00 | $3662.89 |  | XX.XX% | $XXX | $XXX | 6.062% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14427.76 | 1 | $3099.12 | $1455.96 | $258.26 | $121.33 |  |  |  |  |  | 32.470% | 32.470% | 32.470% | 11/XX/2021 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Other - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Business - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX | $17013.00 |  | 3.160% | $0.00 | 2.2 |  |  |  | N/A | No | 6.062% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $148925.08 | 21.300% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.94 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59695849 | Non QM |  |  |  | Yes | No | $8526.00 | $3922.16 |  | XX.XX% | $XXX | $XXX | 5.312% | No | No | Employed | Self-Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $6013.64 | 1 | $10555.92 | $1392.00 | $879.66 | $116.00 |  |  |  |  |  | 42.622% | 42.622% | 42.622% | 11/XX/2021 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 68.000% |  | 100.000% |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $8526.00 |  | 3.160% | $0.00 | 2.6 |  |  |  | No | No | 5.312% | 2 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $85390.67 | 24.750% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card |  |  |  |  | 26.81 |  | Yes | No |  | $7147.33 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55334281 | Non QM |  |  |  | Yes | No | $2088.50 | $527.82 |  | XX.XX% | $XXX | $XXX | 5.062% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1479.88 | 1 | $1807.32 | $1061.64 | $150.61 | $88.47 |  |  |  |  |  | 48.537% | 48.537% | 48.537% | 12/XX/2021 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Personal - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; CPA Letter - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX | $2088.50 |  | 3.030% | $6690.00 | 1.2 |  |  |  | No | No | 5.062% | 0 |  | 0 | 0 | 2 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $45145.32 | 20.240% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.3 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57306419 | Non QM |  |  |  | Yes | No | $18770.00 | $24786.34 |  | XX.XX% | $XXX | $XXX | 4.025% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22818.26 | 1 | $12670.80 | $7226.04 | $1055.90 | $602.17 |  |  |  |  |  | 42.318% | 34.631% | 42.318% | 10/XX/2021 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 100.000% | 49.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; CPA Letter - 2021<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; CPA Letter - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $18770.00 |  | 3.160% | $0.00 | 2.6 |  |  |  | No | No | 4.025% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  | 360 | 1/XX/2062 | $1275196.93 |  |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 145.42 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51571311 | Non QM |  |  |  | Yes | No | $22435.00 | $4484.80 |  | XX.XX% | $XXX | $XXX | 5.437% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $63857.74 | 1 | $16484.28 | $5561.04 | $1373.69 | $463.42 |  |  |  |  |  | 16.062% | 16.062% | 16.062% | 9/XX/2021 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX | $22435.00 |  | 3.030% | $0.00 | 1.0 |  |  |  | Yes | No | 5.437% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $302389.42 | 25.730% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.02 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57689582 | Non QM |  |  |  | Yes | No | $4585.00 | $6105.86 |  | XX.XX% | $XXX | $XXX | 5.187% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1703.58 | 1 | $2267.64 | $812.04 | $188.97 | $67.67 |  |  |  |  |  | 43.850% | 43.850% | 43.850% | 10/XX/2021 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Personal - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX | $4585.00 |  | 3.160% | $0.00 | 1.0 |  |  |  | N/A | No | 5.187% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $54803.59 | 33.210% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.64 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57106313 | Non QM |  |  |  | Yes | No | $4114.00 | $0.00 |  | XX.XX% | $XXX | $XXX | 5.762% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6028.06 | 1 | $3927.00 | $831.96 | $327.25 | $69.33 |  |  |  |  |  | 32.325% | 32.325% | 32.325% | 10/XX/2021 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Personal - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $4114.00 |  | 3.160% | $7000.00 | 1.0 |  |  |  | Yes | No | 5.762% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $64801.88 | 25.760% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.66 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53933158 | Non QM |  |  |  | Yes | No | $16510.00 | $0.00 |  | XX.XX% | $XXX | $XXX | 4.562% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19598.50 | 1 | $17748.12 | $17142.24 | $1479.01 | $1428.52 |  |  |  |  |  | 38.564% | 38.564% | 38.564% | 11/XX/2021 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Other - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $16510.00 |  | 3.160% | $52500.00 | 1.0 |  |  |  | Yes | No | 4.562% | 0 | 0 | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $335236.37 | 19.150% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 13 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50960482 | Non QM |  |  |  | Yes | No | $8811.00 | $10442.80 |  | XX.XX% | $XXX | $XXX | 5.112% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22202.30 | 1 | $810.96 | $440.76 | $67.58 | $36.73 |  |  |  |  |  | 15.303% | 15.303% | 15.303% | 10/XX/2021 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $8811.00 |  | 3.160% | $0.00 | 2.6 |  |  |  | No | No | 5.112% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $10000.00 | 2.230% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 84.01 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59399083 | Non QM |  |  |  | Yes | No | $14460.00 | $2790.46 |  | XX.XX% | $XXX | $XXX | 5.312% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17742.57 | 1 | $9687.60 | $4197.96 | $807.30 | $349.83 |  |  |  |  |  | 24.914% | 24.914% | 24.914% | 11/XX/2021 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2021<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2021<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $14460.00 |  | 3.160% | $0.00 | 3.5 |  |  |  | N/A | No | 5.312% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | 1/XX/2052 | $1593457.16 | 100.000% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 309.53 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59726424 | N/A |  |  |  | No | No | $101719.06 | $59387.25 |  | XX.XX% | $XXX | $XXX | 5.722% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $184760.88 | 1 | $25621.20 | $3561.96 | $2135.10 | $296.83 |  |  |  |  |  | 20.510% | 19.609% | 20.510% | 10/XX/2021 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Personal - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX | $101719.06 |  | 3.160% | $0.00 | 2.0 |  |  |  | No | No | 5.722% | 0 | 0 | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  | 360 | 1/XX/2062 | $7938893.32 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 664.63 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55220156 | Non QM |  |  |  | Yes | No | $19310.00 | $24000.06 |  | XX.XX% | $XXX | $XXX | 4.675% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $28343.94 | 1 | $1878.48 | $3390.00 | $156.54 | $282.50 |  |  |  |  |  | 19.962% | 19.962% | 19.962% | 10/XX/2021 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $19310.00 |  | 3.100% | $11500.00 | 3.9 |  |  |  | No | No | 4.675% | 2 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $209145.77 | 26.140% |  |  |  |  |  |  | Commitment | Leasehold | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.96 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57796277 | Non QM |  |  |  | Yes | No | $3251.00 | $1930.75 |  | XX.XX% | $XXX | $XXX | 5.187% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4139.21 | 1 | $1681.08 | $993.12 | $140.09 | $82.76 |  |  |  |  |  | 33.531% | 33.531% | 33.531% | 12/XX/2021 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2012 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $3251.00 |  | 3.140% | $0.00 | 2.8 |  |  |  | No | No | 5.187% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $69938.15 | 37.800% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.15 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59226111 | Non QM |  |  |  | Yes | No | $7432.00 | $8218.32 |  | XX.XX% | $XXX | $XXX | 5.387% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5503.55 | 1 | $4518.72 | $1397.76 | $376.56 | $116.48 |  |  |  |  |  | 48.203% | 48.203% | 48.203% | 12/XX/2021 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $7432.00 |  | 3.160% | $520.53 | 1.0 |  |  |  | Yes | No | 5.387% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $71157.21 | 20.830% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.75 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58720705 | Non QM |  |  |  | Yes | No | $24157.00 | $28245.25 |  | XX.XX% | $XXX | $XXX | 4.325% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12192.36 | 1 | $20942.52 | $10896.96 | $1745.21 | $908.08 |  |  |  |  |  | 44.967% | 36.232% | 44.967% | 12/XX/2021 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Other - 2021 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $24157.00 |  | 3.160% | $0.00 | 1.7 |  |  |  | No | No | 4.325% | 0 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 360 | 1/XX/2062 | $606357.01 | 36.190% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 38.63 |  | No | No |  | $12795.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54622063 | Non QM |  |  |  | Yes | No | $11579.00 | $4345.50 |  | XX.XX% | $XXX | $XXX | 5.262% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Mexico |  |  |  | $4227.37 | 1 | $12356.04 | $1185.96 | $1029.67 | $98.83 |  |  |  |  |  | 52.388% | 52.388% | 52.388% | 11/XX/2021 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  | Audited | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Audited P&L - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $11579.00 |  | 3.200% | $6000.00 | 2.8 |  |  |  | Yes | No | 5.262% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 12.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $212691.81 | 32.770% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 23.02 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59503754 | Non QM |  |  |  | Yes | No | $5730.00 | $7914.72 |  | XX.XX% | $XXX | $XXX | 4.900% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2390.99 | 1 | $3249.96 | $0.00 | $270.83 | $0.00 |  |  |  |  |  | 43.257% | 43.257% | 43.257% | 11/XX/2021 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $5730.00 |  | 3.160% | $0.00 | 1.0 |  |  |  | No | No | 4.900% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $26694.21 | 10.260% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.03 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55700883 | Non QM |  |  |  | Yes | No | $15715.00 | $3749.72 |  | XX.XX% | $XXX | $XXX | 6.062% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $77616.53 | 1 | $6151.44 | $2165.04 | $512.62 | $180.42 |  |  |  |  |  | 11.637% | 11.637% | 11.637% | 10/XX/2021 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 100.000% | 98.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 98.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 98.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 98.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 98.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 98.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; CPA Letter - 2021<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 98.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $15715.00 |  | 3.160% | $2500.00 | 1.6 |  |  |  | No | No | 6.062% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $6000.00 | 1.080% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.1 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53094725 | Non QM |  |  |  | Yes | No | $49385.00 | $22908.21 |  | XX.XX% | $XXX | $XXX | 4.837% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $248197.19 | 1 | $11473.32 | $9015.12 | $956.11 | $751.26 |  |  |  |  |  | 4.540% | 4.540% | 4.540% | 10/XX/2021 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 55.000% | 45.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 55.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 55.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 55.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 55.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2017<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2017 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX | $49385.00 |  | 3.160% | $0.00 |  |  |  |  | N/A | No | 4.837% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 |  |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 26.47 |  | No | No |  | $117001.10 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56407701 | Non QM |  |  |  | Yes | No | $9227.31 | $3051.91 |  | XX.XX% | $XXX | $XXX | 6.237% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8807.57 | 1 | $719.16 | $2074.92 | $59.93 | $172.91 |  |  |  |  |  | 23.419% | 23.419% | 23.419% | 10/XX/2021 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Personal - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Other - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $9227.31 |  | 3.160% | $0.00 | 1.0 |  |  |  | No | No | 6.237% | 0 |  | 0 | 0 | 2 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2052 | $73233.41 | 22.530% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.26 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53431787 | N/A |  |  |  | No | No | $27955.00 | $7193.98 |  | XX.XX% | $XXX | $XXX | 6.500% | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $3558.64 | 1 | $3502.44 | $0.00 | $291.87 | $0.00 |  |  |  |  |  | 45.952% | 45.952% | 45.952% | 9/XX/2021 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX | $27955.00 |  | 3.060% | $0.00 | 2.6 |  |  |  | Yes | No | 6.500% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 12/XX/2051 | $67310.19 | 12.820% |  |  |  |  |  |  | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 16.56 |  |  | No |  | $0.00 | $6584.20 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58528133 | Non QM |  |  |  | Yes | No | $7654.75 | $2443.39 |  | XX.XX% | $XXX | $XXX | 4.525% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $3407.09 | 1 | $5649.84 | $792.24 | $470.82 | $66.02 |  |  |  |  |  | 39.416% | 39.416% | 39.416% | 9/XX/2021 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX | $7654.75 |  | 3.060% | $0.00 | 1.0 |  |  |  | Yes | No | 4.525% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 12/XX/2051 | $6995.45 |  |  |  |  |  |  |  | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 4.62 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57584145 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 5.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | ($1265.74) | 1 | $4255.20 | $876.00 | $354.60 | $73.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/XX/2019 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 |  |  |  |  |  | No | 5.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.11 |  |  |  |  |  |  |  | 2/XX/2050 |  |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 73.59 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57946656 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1977.84 | $1094.04 | $164.82 | $91.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 9/XX/2019 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX |  |  |  | $0.00 |  |  |  |  |  | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 12/XX/2049 | $9064.60 | 4.900% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.55 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55928354 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | ($3059.51) | 1 | $2786.04 | $6777.00 | $232.17 | $564.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 1/XX/2020 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 |  |  |  |  |  | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.67 | 1.5 |  |  |  |  |  |  |  | 2/XX/2050 | $184677.36 | 23.500% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.69 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57561516 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3644.28 | $297.96 | $303.69 | $24.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/XX/2019 | 640 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 |  |  |  |  |  | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.79 | 1.27 |  |  |  |  |  |  |  | 2/XX/2050 |  |  |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 71.08 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55678965 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 5.750% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | ($1988.00) | 1 | $1593.12 | $411.00 | $132.76 | $34.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 1/XX/2020 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 |  |  |  |  |  | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.44 | 2.26 |  |  |  |  |  |  |  | 2/XX/2050 | $124443.52 | 56.440% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 39.17 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58681099 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 5.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2996.88 | $255.00 | $249.74 | $21.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/XX/2019 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 |  |  |  |  |  | No | 5.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  | 240 | 2/XX/2050 | $119658.50 | 80.310% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 55.26 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51107161 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 5.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | ($2299.29) | 1 | $6135.12 | $648.96 | $511.26 | $54.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/XX/2019 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXX |  |  |  | $0.00 |  |  |  |  |  | No | 5.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.6 | 1.66 |  |  |  |  |  |  |  | 3/XX/2050 | $8220.74 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58991347 | N/A |  |  |  | No | No |  |  |  |  | $XXX | $XXX | 6.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1672.92 | $626.04 | $139.41 | $52.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/XX/2019 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXX |  |  |  | $0.00 |  |  |  |  |  | No | 6.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.78 |  |  |  |  |  |  |  | 2/XX/2050 | $49695.55 | 33.580% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 50.53 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58889081 | Non QM |  |  |  | Yes | No | $14021.25 | $17857.21 |  | XX.XX% | $XXX | $XXX | 5.500% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20993.23 | 1 | $13087.32 | $815.16 | $1090.61 | $67.93 |  |  |  |  |  | 23.339% | 23.339% | 23.339% | 4/XX/2019 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2016<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2016<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2016<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2016<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040-ES - 2017<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040-ES - 2016<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2018<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2017 | [Borrower]; Tax Return Extension - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 1040 - 2016<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; Transcripts (1040) - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Tax Return Extension - 2018<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; 1040 - 2016<br> [Coborrower]; 4506 or 4506-T - 2016<br> [Coborrower]; Transcripts (1040) - 2016 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $14021.25 |  | 4.160% | $0.00 | 2.1 | DU |  | ApproveIneligible | N/A | No | 5.500% | 2 | 2 | 2 | 0 | 2 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 6/XX/2049 | $191177.54 |  |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.91 |  |  | No |  | $0.00 | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59426225 | Non QM |  |  |  | Yes | No | $1740.00 | $2301.11 |  | XX.XX% | $XXX | $XXX | 8.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3280.25 | 1 | $2034.84 | $538.68 | $169.57 | $44.89 |  |  |  |  |  | 37.133% | 37.133% | 37.133% |  | 655 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2018<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2017<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2019<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2019<br> [Coborrower(s) - \| Non-Primary Income - Wages]; WVOE - 2019<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2018<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2017<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; VVOE - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Tax Return Extension - 2018<br> [Borrower]; Transcripts (1040) - No Results Returned - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 1040 - 2016<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; Transcripts (1040) - 2016<br> [Borrower]; 4506 or 4506-T - 2015<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; 4506 or 4506-T - 2016<br> [Coborrower]; 4506 or 4506-T - 2015<br> [Coborrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  | 1 |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 |  |  | XXX | $1740.00 |  | 4.180% | $0.00 | 1.3 |  |  |  | N/A | No | 8.500% | 1 | 2 | 3 | 0 | 4 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 6/XX/2049 | $125460.96 | 66.030% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.88 |  |  | No |  | $0.00 | $2266.85 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57909739 | Non QM |  |  |  | Yes | No | $8981.25 | $10977.55 |  | XX.XX% | $XXX | $XXX | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3785.03 | 1 | $2393.76 | $1355.04 | $199.48 | $112.92 |  |  |  |  |  | 48.950% | 48.950% | 48.950% | 5/XX/2019 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; VVOE - 2019<br> [Borrower - \| Primary Income - Wages]; WVOE - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2018 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $8981.25 |  | 4.180% | $0.00 | 2.0 | DU |  | ApproveEligible | N/A | No | 6.875% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 7/XX/2049 | $135678.24 | 38.710% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.07 |  |  | No |  | $0.00 | $3178.29 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57391432 | Non QM |  |  |  | Yes | No | $3251.77 | $4521.04 |  | XX.XX% | $XXX | $XXX | 8.731% | No | No | Non-Employment Income | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $2006.80 | 1 | $916.92 | $774.96 | $76.41 | $64.58 |  |  |  |  |  | 45.663% | 43.717% | 45.663% | 5/XX/2019 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2019<br> [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2018<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2018<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2017<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2019<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2018 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - 2017 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 |  |  | XXX | $3251.77 |  | 4.170% | $7080.00 | 1.3 | DU |  | ApproveIneligible | N/A | No | 8.731% | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 9/XX/2049 | $36908.06 | 31.280% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.6 |  |  | No |  | $2646.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54194647 | Non QM |  |  |  | Yes | No | $6286.56 | $8953.94 |  | XX.XX% | $XXX | $XXX | 6.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5443.58 | 1 | $7799.16 | $4269.96 | $649.93 | $355.83 |  |  |  |  |  | 43.511% | 43.511% | 43.511% | 11/XX/2019 | 643 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6286.56 |  | 3.730% | $7200.00 | 3.4 |  |  |  | N/A | No | 6.375% | 0 |  | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | 1/XX/2050 | $123296.90 | 17.670% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 6.64 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51993685 | Non QM |  |  |  | Yes | No | $1840.00 | $2556.83 |  | XX.XX% | $XXX | $XXX | 6.471% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1651.68 | 1 | $3817.20 | $1440.00 | $318.10 | $120.00 |  |  |  |  |  | 44.032% | 42.108% | 44.032% | 10/XX/2019 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; VVOE - 2019<br> [Borrower - \| Primary Income - Wages]; WVOE - 2019 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1840.00 |  | 3.960% | $50031.00 | 5.0 | DU |  | ApproveIneligible | N/A | No | 6.471% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2050 | $136946.71 | 51.130% |  |  |  |  |  |  | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 58.31 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54133081 | Non QM |  |  |  | Yes | No | $8040.00 | $3501.83 |  | XX.XX% | $XXX | $XXX | 6.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10974.86 | 1 | $6466.80 | $1404.96 | $538.90 | $117.08 |  |  |  |  |  | 31.349% | 31.349% | 31.349% | 9/XX/2019 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 25 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Account Statements - Business - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; CPA Letter - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Other - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2019 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | XXX | $8040.00 |  | 3.700% | $0.00 | 1.9 |  |  |  | N/A | No | 6.000% | 0 |  | 0 | 0 | 2 | 0 |  | 25 | 0.00 | No |  |  |  |  |  |  |  |  |  | 11/XX/2049 | $36531.31 | 5.450% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.54 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57963600 | Non QM |  |  |  | Yes | No | $19145.00 | $22661.14 |  | XX.XX% | $XXX | $XXX | 4.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23023.54 | 1 | $5268.60 | $1169.88 | $439.05 | $97.49 |  |  |  |  |  | 26.462% | 26.462% | 26.462% | 9/XX/2019 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: ]; CPA Letter - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: ]; Telephone Listing / Internet Search / Directory Assistance - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: ]; Account Statements - Business - 2018 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $19145.00 |  | 3.700% | $10500.00 |  |  |  |  | No | No | 4.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 12/XX/2049 | $274468.35 | 26.140% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.49 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58427840 | Non QM |  |  |  | Yes | No | $3795.00 | $4839.40 |  | XX.XX% | $XXX | $XXX | 5.391% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2503.46 | 1 | $2708.04 | $1176.00 | $225.67 | $98.00 |  |  |  |  |  | 37.414% | 40.475% | 37.414% | 8/XX/2019 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Account Statements - Business - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Other - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2009 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Reduced |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3795.00 |  | 4.110% | $0.00 |  |  |  |  | N/A | No | 5.391% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 11/XX/2049 | $95009.53 | 32.560% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.03 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58445962 | Non QM |  |  |  | Yes | No | $9719.00 | $4264.58 |  | XX.XX% | $XXX | $XXX | 5.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4226.18 | 1 | $4050.00 | $1372.20 | $337.50 | $114.35 |  |  |  |  |  | 35.360% | 40.062% | 35.360% | 9/XX/2019 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: ]; Account Statements - Business - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: ]; CPA Letter - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: ]; Telephone Listing / Internet Search / Directory Assistance - 2019 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9719.00 |  | 4.030% | $5000.00 |  |  |  |  | N/A | No | 5.990% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 11/XX/2049 | $76575.72 | 23.630% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.29 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55418857 | Non QM |  |  |  | Yes | No | $4892.75 | $5835.13 |  | XX.XX% | $XXX | $XXX | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3685.49 | 1 | $4703.40 | $1106.04 | $391.95 | $92.17 |  |  |  |  |  | 38.575% | 38.575% | 38.575% | 7/XX/2019 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Account Statements - Business - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; CPA Letter - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Other - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Telephone Listing / Internet Search / Directory Assistance - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2019 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Reduced |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4892.75 |  | 3.620% | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 11/XX/2049 | $42281.04 | 26.440% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.22 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58215772 | Non QM |  |  |  | Yes | No | $5010.00 | $5599.89 |  | XX.XX% | $XXX | $XXX | 5.125% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17730.76 | 1 | $8638.56 | $792.00 | $719.88 | $66.00 |  |  |  |  |  | 24.383% | 24.383% | 24.383% | 8/XX/2019 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Account Statements - Business - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Other - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Telephone Listing / Internet Search / Directory Assistance - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2009 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5010.00 |  | 3.160% | $0.00 |  |  |  |  | N/A | No | 5.125% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 11/XX/2039 | $7270.36 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 59.05 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52100511 | Non QM |  |  |  | Yes | No | $12195.00 | $3854.54 |  | XX.XX% | $XXX | $XXX | 5.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8395.19 | 1 | $8061.60 | $998.04 | $671.80 | $83.17 |  |  |  |  |  | 32.155% | 32.155% | 32.155% | 9/XX/2019 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 68.000% |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; WVOE - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Account Statements - Personal - 2019<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; CPA Letter - 2019<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Other - 2019 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $12195.00 |  | 3.600% | $0.00 |  |  |  |  | N/A | No | 5.375% | 1 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 11/XX/2049 | $105008.86 |  |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.33 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56282991 | Non QM |  |  |  | Yes | No | $23815.00 | $24889.01 |  | XX.XX% | $XXX | $XXX | 5.462% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11887.27 | 1 | $5320.32 | $1491.12 | $443.36 | $124.26 |  |  |  |  |  | 51.560% | 53.512% | 51.560% | 11/XX/2019 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 99.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 100.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: ]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 100.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: ]; Account Statements - Business - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 100.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: ]; CPA Letter - 2019 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 1 |  |  | XXX | $23815.00 |  | 3.960% | $0.00 |  |  |  |  | N/A | No | 5.462% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 2/XX/2050 |  |  |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 54.94 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50126900 | Non QM |  |  |  | Yes | No | $50288.75 | $53855.58 |  | XX.XX% | $XXX | $XXX | 3.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26104.72 | 1 | $37687.56 | $2896.20 | $3140.63 | $241.35 |  |  |  |  |  | 34.534% | 34.534% | 34.534% | 11/XX/2019 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2019<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2019<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2018 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $50288.75 |  | 3.730% | $0.00 |  |  |  |  | N/A | No | 3.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  | 12/XX/2049 | $1299899.07 | 26.530% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.31 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59743947 | Non QM |  |  |  | Yes | No | $37795.00 | $40593.22 |  | XX.XX% | $XXX | $XXX | 4.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $35531.60 | 1 | $8813.88 | $1212.12 | $734.49 | $101.01 |  |  |  |  |  | 34.804% | 34.804% | 34.804% | 1/XX/2020 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2019 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $37795.00 |  | 3.700% | $0.00 |  |  |  |  | N/A | No | 4.990% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 2/XX/2050 |  |  |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.26 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58762490 | Non QM |  |  |  | Yes | No | $6114.57 | $8073.38 |  | XX.XX% | $XXX | $XXX | 5.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5159.33 | 1 | $3057.96 | $1587.96 | $254.83 | $132.33 |  |  |  |  |  | 32.383% | 32.383% | 32.383% | 11/XX/2019 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: ]; Telephone Listing / Internet Search / Directory Assistance - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: ]; Account Statements - Business - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: ]; CPA Letter - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: ]; CPA Letter - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: ]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: ]; Third Party Verification - 2007 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6114.57 |  | 3.790% | $11683.80 |  |  |  |  | N/A | No | 5.875% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 2/XX/2050 | $15084.23 | 7.750% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 14.1 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51540038 | Non QM |  |  |  | Yes | No | $6870.00 | $9027.24 |  | XX.XX% | $XXX | $XXX | 6.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5842.96 | 1 | $6861.48 | $863.04 | $571.79 | $71.92 |  |  |  |  |  | 42.095% | 39.796% | 42.095% | 12/XX/2019 | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2019<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2019 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Reduced |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 |  |  | XXX | $6870.00 |  | 4.000% | $0.00 | 3.8 |  |  |  | N/A | No | 6.125% | 0 |  | 1 | 0 | 3 | 1 |  |  | 10.00 | No |  |  |  |  |  |  |  |  | 240 | 2/XX/2050 |  |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.84 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57016872 | Non QM |  |  |  | Yes | No | $13069.00 | $14891.51 |  | XX.XX% | $XXX | $XXX | 4.740% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6927.58 | 1 | $7520.28 | $3257.04 | $626.69 | $271.42 |  |  |  |  |  | 40.156% | 40.156% | 40.156% | 11/XX/2019 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: ]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: ]; Account Statements - Business - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: ]; CPA Letter - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: ]; Telephone Listing / Internet Search / Directory Assistance - 2019 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $13069.00 |  | 3.780% | $0.00 |  |  |  |  | N/A | No | 4.740% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 2/XX/2050 |  |  |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.09 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55780046 | Non QM |  |  |  | Yes | No | $4722.50 | $5664.78 |  | XX.XX% | $XXX | $XXX | 5.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2102.16 | 1 | $2711.76 | $1200.00 | $225.98 | $100.00 |  |  |  |  |  | 47.037% | 47.037% | 47.037% | 12/XX/2019 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: ]; CPA Letter - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: ]; Other - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: ]; Telephone Listing / Internet Search / Directory Assistance - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: ]; Telephone Listing / Internet Search / Directory Assistance - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: ]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: ]; Account Statements - Business - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: ]; CPA Letter - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: ]; Third Party Verification - 2018<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: ]; Third Party Verification - 2017 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4722.50 |  | 3.780% | $0.00 |  |  |  |  | N/A | No | 5.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 3/XX/2050 | $55609.96 | 37.570% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.18 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58129267 | Non QM |  |  |  | Yes | No | $19145.00 | $7827.38 |  | XX.XX% | $XXX | $XXX | 5.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6523.71 | 1 | $8261.28 | $2460.36 | $688.44 | $205.03 |  |  |  |  |  | 41.879% | 41.879% | 41.879% | 11/XX/2019 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Account Statements - Personal - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Telephone Listing / Internet Search / Directory Assistance - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; CPA Letter - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2019 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $19145.00 |  | 3.660% | $1000.00 | 1.0 |  |  |  | No | No | 5.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 3/XX/2050 | $300555.10 | 35.360% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.67 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56075769 | Non QM |  |  |  | Yes | No | $23475.00 | $2178.21 |  | XX.XX% | $XXX | $XXX | 5.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17718.83 | 1 | $11601.84 | $962.04 | $966.82 | $80.17 |  |  |  |  |  | 39.565% | 39.565% | 39.565% | 11/XX/2019 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2019<br> [Borrower - \| Primary Income - Wages]; WVOE - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017<br> [Borrower - \| Non-Primary Income - Pension]; 1099 - 2017<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2019<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2019<br> [Coborrower(s) - \| Non-Primary Income - Disability]; Award Letter / Continuance Letter - 2019<br> [Coborrower(s) - \| Non-Primary Income - Disability]; Other - 2019<br> [Coborrower(s) - \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2019<br> [Coborrower(s) - \| Non-Primary Income - Annuity]; Other - 2019<br> [Coborrower(s) - \| Non-Primary Income - Annuity]; 1099 - 2018<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2018<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2018<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2017<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2017<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2017 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; 4506 or 4506-T - 2016<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $23475.00 |  | 3.820% | $0.00 | 1.8 |  |  |  | N/A | No | 5.625% | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 12/XX/2049 | $42078.66 |  |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.37 |  |  | No |  | $13987.75 | $5000.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51517361 | Non QM |  |  |  | Yes | No | $17595.60 | $19106.89 |  | XX.XX% | $XXX | $XXX | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7492.77 | 1 | $10352.52 | $924.96 | $862.71 | $77.08 |  |  |  |  |  | 49.492% | 49.492% | 49.492% | 10/XX/2019 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2016<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2015 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $17595.60 |  | 3.730% | $0.00 | 3.7 |  |  |  | N/A | No | 7.875% | 2 |  | 2 | 0 | 3 | 2 |  |  | 8.00 | No |  |  |  |  |  |  |  |  |  | 12/XX/2049 | $15000.00 | 1.920% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.23 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50225823 | Non QM |  |  |  | Yes | No | $12000.00 | $4295.24 |  | XX.XX% | $XXX | $XXX | 4.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19850.30 | 1 | $9030.00 | $3376.92 | $752.50 | $281.41 |  |  |  |  |  | 43.391% | 43.391% | 43.391% | 10/XX/2019 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; Balance Sheet - 2019<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 1065 - 2018<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2018<br> [Borrower - \| Primary Income - K-1 (< 25%)]; W-2 - 2018<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 1065 - 2017<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2017<br> [Borrower - \| Primary Income - K-1 (< 25%)]; W-2 - 2017<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; P&L Statement - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1065 - 2018<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1065 - 2017<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Business Return Transcripts - 2017<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2017<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2019<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2017 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $12000.00 |  | 3.800% | $0.00 | 2.0 |  |  |  | N/A | No | 4.875% | 2 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | 1/XX/2050 | $438613.11 | 34.000% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.26 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50760558 | Non QM |  |  |  | Yes | No | $4623.75 | $7855.18 |  | XX.XX% | $XXX | $XXX | 6.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8506.19 | 1 | $8622.60 | $906.12 | $718.55 | $75.51 |  |  |  |  |  | 47.743% | 47.743% | 47.743% | 11/XX/2019 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2017<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2017 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4623.75 |  | 3.720% | $0.00 | 2.2 |  |  |  | N/A | No | 6.125% | 1 |  | 2 | 0 | 3 | 2 |  |  | 9.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2050 | $50279.00 | 0.730% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.92 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56895578 | Non QM |  |  |  | Yes | No | $4950.00 | $6704.25 |  | XX.XX% | $XXX | $XXX | 5.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25370.82 | 1 | $7655.40 | $10752.00 | $637.95 | $896.00 |  |  |  |  |  | 41.155% | 41.155% | 41.155% | 12/XX/2019 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2019<br> [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2019<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2019<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2019<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2019 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 1040 - 2016<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; Transcripts (1040) - 2016<br> [Borrower]; Transcripts (1040) - 2015<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4950.00 |  | 3.530% | $0.00 | 999.0 |  |  |  | N/A | No | 5.750% | 0 |  | 3 | 0 | 3 | 4 |  |  | 10.97 | No |  |  |  |  |  |  |  |  |  | 1/XX/2050 |  |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.98 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55929359 | Non QM |  |  |  | Yes | No | $1380.00 | $2435.79 |  | XX.XX% | $XXX | $XXX | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10831.58 | 1 | $4899.12 | $2988.00 | $408.26 | $249.00 |  |  |  |  |  | 46.781% | 46.781% | 46.781% | 10/XX/2019 | 643 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Non-Primary Income - Pension]; 1099 - 2018<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2018<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2019<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2018<br> [Borrower - \| Primary Income - C-Corp]; Balance Sheet - 2019<br> [Borrower - \| Primary Income - C-Corp]; CPA Letter - 2019<br> [Borrower - \| Primary Income - C-Corp]; P&L Statement - 2019<br> [Borrower - \| Primary Income - C-Corp]; P&L Statement - 2019<br> [Borrower - \| Primary Income - C-Corp]; Paystubs - 2019<br> [Borrower - \| Primary Income - C-Corp]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Primary Income - C-Corp]; Balance Sheet - 2018<br> [Borrower - \| Primary Income - C-Corp]; Business Return Transcripts - 2018<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2018<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2017<br> [Borrower - \| Primary Income - C-Corp]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Primary Income - C-Corp]; Business Return Transcripts - 2017<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2017<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2016<br> [Borrower - \| Primary Income - C-Corp]; 4506 or 4506-T (for Business) - 2016<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2019<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2019<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2019 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1380.00 |  | 3.820% | $0.00 | 1.0 |  |  |  | N/A | No | 7.500% | 2 |  | 2 | 0 | 3 | 2 |  |  | 9.87 | No |  |  |  |  |  |  |  |  |  | 1/XX/2050 | $78141.09 | 39.070% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.09 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52935846 | Non QM |  |  |  | Yes | No | $5888.08 | $7183.92 |  | XX.XX% | $XXX | $XXX | 5.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2460.49 | 1 | $3169.80 | $2544.00 | $264.15 | $212.00 |  |  |  |  |  | 49.954% | 49.954% | 49.954% | 10/XX/2019 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2019<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; VVOE - 2019<br> [Borrower - \| Primary Income - Wages]; VVOE - 2019<br> [Borrower - \| Primary Income - Wages]; WVOE - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5888.08 |  | 3.740% | $10000.00 | 2.2 |  |  |  | N/A | No | 5.250% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2050 | $76269.70 | 21.810% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.96 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56066130 | N/A |  |  |  | Yes | No | $1393.28 | $4114.73 |  | XX.XX% | $XXX | $XXX | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22740.77 | 1 | $2199.96 | $450.00 | $183.33 | $37.50 |  |  |  |  |  | 43.824% | 43.824% | 43.824% | 11/XX/2019 | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; VVOE - 2019<br> [Borrower - \| Primary Income - Wages]; WVOE - 2019<br> [Borrower - \| Primary Income - Wages]; WVOE - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1393.28 |  | 3.730% | $0.00 |  |  |  |  | N/A | No | 7.375% | 1 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2050 | $375301.15 | 100.000% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 131.46 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51509078 | Non QM |  |  |  | Yes | No | $8190.00 | $2824.28 |  | XX.XX% | $XXX | $XXX | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5404.23 | 1 | $3874.80 | $1445.04 | $322.90 | $120.42 |  |  |  |  |  | 47.017% | 47.017% | 47.017% | 11/XX/2019 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | XXX | $8190.00 |  | 3.980% | $5000.00 | 1.1 |  |  |  | N/A | No | 6.875% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2050 | $108409.18 | 28.530% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.38 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53190871 | Safe Harbor QM |  |  |  | Yes | No | $28434.00 | $32715.53 |  | XX.XX% | $XXX | $XXX | 4.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $38002.75 | 1 | $14650.68 | $27099.96 | $1220.89 | $2258.33 |  |  |  |  |  | 32.729% | 32.729% | 32.729% | 11/XX/2019 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Business License - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2017<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2017<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2017<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2019<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Business License - 2019<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2019<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business License - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2017<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2017<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2017<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business License - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Transcripts - No Results Returned (for Business) - 2017 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $28434.00 |  | 3.710% | $7400.00 | 999.0 |  |  |  | N/A | No | 4.750% | 0 |  | 2 | 0 | 2 | 2 |  |  | 8.97 | No |  |  |  |  |  |  |  |  |  | 1/XX/2050 | $220887.19 | 7.960% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.19 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57802085 | Non QM |  |  |  | Yes | No | $2356.10 | ($138.08) |  | XX.XX% | $XXX | $XXX | 6.875% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4380.32 | 1 | $4762.56 | $1083.96 | $396.88 | $90.33 |  |  |  |  |  | 44.562% | 44.562% | 44.562% | 9/XX/2019 | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2018<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2017 | [Borrower]; Transcripts (1040) - 2017<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; 4506 or 4506-T - 2016<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  | 1 |  |  | 1 |  | 0 | 0 | 0 |  |  | XXX | $2356.10 |  | 3.790% | $0.00 | 3.2 |  |  |  | N/A | No | 6.875% | 0 | 2 | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 12/XX/2049 | $80192.60 | 18.600% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.24 |  |  | No |  | $0.00 | $7901.29 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52243003 | Non QM |  |  |  | Yes | No | $5861.88 | $7658.74 |  | XX.XX% | $XXX | $XXX | 5.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1526.70 | 1 | $1368.96 | $540.96 | $114.08 | $45.08 |  |  |  |  |  | 47.999% | 47.999% | 47.999% | 11/XX/2019 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; VVOE - 2019<br> [Borrower - \| Primary Income - Wages]; WVOE - 2019 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5861.88 |  | 3.790% | $0.00 | 2.2 |  |  |  | N/A | No | 5.625% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2050 | $66280.81 | 42.220% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.35 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59698675 | Higher Priced QM |  |  |  | Yes | No | $1350.00 | $2163.24 |  | XX.XX% | $XXX | $XXX | 6.125% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2002.40 | 1 | $1888.08 | $618.00 | $157.34 | $51.50 |  |  |  |  |  | 42.327% | 42.327% | 42.327% | 11/XX/2019 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Alimony]; Account Statements - 2019<br> [Borrower - \| Primary Income - Alimony]; Divorce Decree - 2011 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1350.00 |  | 3.790% | $0.00 | 2.3 |  |  |  | N/A | No | 6.125% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2050 | $89761.13 | 49.380% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 63.12 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58927964 | Higher Priced QM |  |  |  | Yes | No | $1350.00 | $2098.49 |  | XX.XX% | $XXX | $XXX | 5.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13325.95 | 1 | $6330.12 | $7561.32 | $527.51 | $630.11 |  |  |  |  |  | 32.326% | 32.326% | 32.326% | 11/XX/2019 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2017<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2017<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2017 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 |  |  | XXX | $1350.00 |  | 3.800% | $0.00 | 2.5 |  |  |  | N/A | No | 5.625% | 0 |  | 2 | 0 | 3 | 2 |  |  | 10.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2050 | $195613.16 | 23.010% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.42 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50697494 | Non QM |  |  |  | Yes | No | $8887.30 | $9544.03 |  | XX.XX% | $XXX | $XXX | 7.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2309.07 | 1 | $10229.76 | $3600.96 | $852.48 | $300.08 |  |  |  |  |  | 53.584% | 58.478% | 53.584% | 10/XX/2019 | 631 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2019<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2019<br> [Borrower - \| Primary Income - Wages]; VVOE - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $8887.30 |  | 4.030% | $0.00 | 4.1 |  |  |  | N/A | No | 7.625% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2050 | $228786.91 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.7 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53195007 | Non QM |  |  |  | Yes | No | $5008.65 | $3067.74 |  | XX.XX% | $XXX | $XXX | 9.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $1602.75 | 1 | $1961.04 | $2710.08 | $163.42 | $225.84 |  |  |  |  |  | 54.287% | 54.287% | 54.287% | 11/XX/2019 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; VVOE - 2019<br> [Borrower - \| Primary Income - Wages]; WVOE - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2018<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2017 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Tax Return Extension - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; 4506 or 4506-T - 2016<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 |  |  | XXX | $5008.65 |  | 3.720% | $0.00 | 1.7 |  |  |  | N/A | No | 9.000% | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 2/XX/2050 | $202471.50 | 79.870% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 65.45 |  |  | No |  | $0.00 | $2629.65 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55497562 | Non QM |  |  |  | Yes | No | $7975.00 | $10756.08 |  | XX.XX% | $XXX | $XXX | 7.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6442.74 | 1 | $7387.56 | $855.60 | $615.63 | $71.30 |  |  |  |  |  | 31.782% | 35.377% | 31.782% | 12/XX/2019 | 622 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; VVOE - 2019<br> [Borrower - \| Primary Income - Wages]; WVOE - 2019 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  | 1 |  |  | 1 |  | 0 | 0 | 0 |  |  | XXX | $7975.00 |  | 3.990% | $0.00 | 2.3 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 2/XX/2050 | $137154.00 | 37.580% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.97 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52725576 | Non QM |  |  |  | Yes | No | $4092.53 | $4822.28 |  | XX.XX% | $XXX | $XXX | 8.125% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1407.85 | 1 | $6827.52 | $1056.00 | $568.96 | $88.00 |  |  |  |  |  | 51.773% | 51.773% | 51.773% | 12/XX/2019 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; Other - 2019<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2019<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2017<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2019<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2019<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2019<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - Alimony]; Account Statements - 2019<br> [Borrower - \| Primary Income - Alimony]; Divorce Decree - 2017 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  | 1 |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 |  |  | XXX | $4092.53 |  | 3.720% | $8377.00 | 2.5 |  |  |  | N/A | No | 8.125% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2050 | $73708.08 | 15.850% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.53 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54676004 | Non QM |  |  |  | Yes | No | $4189.20 | $8333.09 |  | XX.XX% | $XXX | $XXX | 4.750% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18234.58 | 1 | $41716.32 | $9213.84 | $3476.36 | $767.82 |  |  |  |  |  | 52.288% | 52.288% | 52.288% | 10/XX/2019 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; VVOE - 2019<br> [Borrower - \| Primary Income - Wages]; WVOE - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business License - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2017 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 4506 or 4506-T - 2015<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4189.20 |  | 3.800% | $0.00 | 1.0 |  |  |  | N/A | No | 4.750% | 2 | 0 | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2050 | $1024471.76 | 33.870% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.36 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56581252 | Non QM |  |  |  | Yes | No | $6397.41 | $7717.08 |  | XX.XX% | $XXX | $XXX | 5.125% | Yes | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4968.31 | 1 | $3052.44 | $378.96 | $254.37 | $31.58 |  |  |  |  |  | 39.133% | 39.133% | 39.133% | 11/XX/2019 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2019<br> [Borrower - \| Primary Income - Pension]; 1099 - 2018<br> [Borrower - \| Primary Income - Pension]; 1099 - 2017<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2019<br> [Borrower - \| Non-Primary Income - Pension]; 1099 - 2018<br> [Borrower - \| Non-Primary Income - Pension]; 1099 - 2017<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2019<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2018<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2017<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2019 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6397.41 |  | 3.710% | $7500.00 | 1.5 |  |  |  | N/A | No | 5.125% | 0 | 0 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2050 | $211217.37 | 80.170% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 80.42 |  |  | No |  | $0.00 | $2644.63 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58305499 | Non QM |  |  |  | Yes | No | $7161.41 | $7353.62 |  | XX.XX% | $XXX | $XXX | 6.125% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6387.09 | 1 | $13288.68 | $2748.96 | $1107.39 | $229.08 |  |  |  |  |  | 49.540% | 49.540% | 49.540% | 11/XX/2019 | 650 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2017<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2017<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2017<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2016<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2015<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2019 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 4506 or 4506-T - 2015<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; 4506 or 4506-T - 2016<br> [Coborrower]; 4506 or 4506-T - 2015<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7161.41 |  | 3.640% | $33882.69 | 2.3 |  |  |  | N/A | No | 6.125% | 0 | 0 | 2 | 0 | 4 | 2 |  |  | 10.00 | No |  |  |  |  |  |  |  |  |  | 12/XX/2049 | $31950.00 | 5.000% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.76 |  |  | No |  | $0.00 | $2856.53 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58816737 | Non QM |  |  |  | Yes | No | $5555.00 | $6709.01 |  | XX.XX% | $XXX | $XXX | 5.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7323.46 | 1 | $3541.68 | $840.00 | $295.14 | $70.00 |  |  |  |  |  | 43.211% | 43.211% | 43.211% | 9/XX/2019 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; VVOE - 2019<br> [Borrower - \| Primary Income - Wages]; WVOE - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 4506 or 4506-T - 2015<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5555.00 |  | 3.740% | $0.00 | 1.0 |  |  |  | N/A | No | 5.125% | 2 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2050 | $434656.82 | 70.680% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 45.22 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58932627 | Higher Priced QM |  |  |  | Yes | No | $25352.40 | $9431.63 |  | XX.XX% | $XXX | $XXX | 5.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12906.10 | 1 | $18249.96 | $1977.12 | $1520.83 | $164.76 |  |  |  |  |  | 41.254% | 41.254% | 41.254% | 11/XX/2019 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2017<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2017 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $25352.40 |  | 3.720% | $0.00 | 2.1 |  |  |  | N/A | No | 5.375% | 2 |  | 2 | 0 | 3 | 2 |  |  | 10.97 | No |  |  |  |  |  |  |  |  |  | 2/XX/2050 | $42003.00 | 2.880% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 54.08 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56409404 | Non QM |  |  |  | Yes | No | $9831.06 | $11744.79 |  | XX.XX% | $XXX | $XXX | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6151.81 | 1 | $3666.24 | $1329.96 | $305.52 | $110.83 |  |  |  |  |  | 35.400% | 35.400% | 35.400% | 12/XX/2019 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 |  |  | XXX | $9831.06 |  | 3.790% | $0.00 | 1.2 |  |  |  | N/A | No | 6.250% | 2 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 2/XX/2050 | $238903.84 | 73.600% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 85.79 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56815905 | N/A |  |  |  | Yes | No | $3390.00 | $5390.70 |  | XX.XX% | $XXX | $XXX | 6.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19877.08 | 1 | $3976.56 | $959.04 | $331.38 | $79.92 |  |  |  |  |  | 45.669% | 45.669% | 45.669% | 12/XX/2019 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2016<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2017<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2017<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2016 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3390.00 |  | 3.800% | $0.00 | 2.0 |  |  |  | N/A | No | 6.375% | 2 |  | 2 | 0 | 4 | 2 |  |  | 10.97 | No |  |  |  |  |  |  |  |  |  | 2/XX/2050 |  |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 139.21 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53929588 | Non QM |  |  |  | Yes | No | $1760.00 | $2716.00 |  | XX.XX% | $XXX | $XXX | 8.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5535.31 | 1 | $10635.96 | $631.80 | $886.33 | $52.65 |  |  |  |  |  | 43.174% | 43.174% | 43.174% | 11/XX/2019 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; WVOE - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2019<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2017 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 |  |  | XXX | $1760.00 |  | 3.720% | $0.00 | 3.4 |  |  |  | N/A | No | 8.000% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2050 | $92880.03 | 27.320% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.62 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58173915 | Safe Harbor QM |  |  |  | Yes | No | $2994.75 | $5778.40 |  | XX.XX% | $XXX | $XXX | 4.500% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13409.25 | 1 | $12371.40 | $3408.96 | $1030.95 | $284.08 |  |  |  |  |  | 41.544% | 41.544% | 41.544% | 12/XX/2019 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2016<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2016<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2019 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; Transcripts (1040) - No Results Returned - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; Transcripts (1040) - 2016<br> [Borrower]; Transcripts (1040) - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506 or 4506-T - 2019<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; Transcripts (1040) - 2016<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2994.75 |  | 4.490% | $0.00 | 2.0 |  |  |  | N/A | No | 4.500% | 2 | 0 | 2 | 0 | 3 | 3 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 2/XX/2050 | $333598.72 | 23.300% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.76 |  |  | No |  | $0.00 | $4318.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55969736 | Non QM |  |  |  | Yes | No | $10558.53 | $10675.02 |  | XX.XX% | $XXX | $XXX | 4.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4230.09 | 1 | $5404.92 | $488.04 | $450.41 | $40.67 |  |  |  |  |  | 54.578% | 54.578% | 54.578% | 1/XX/2020 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; WVOE - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  | 0 | 0 | 0 |  |  | XXX | $10558.53 |  | 3.790% | $0.00 | 3.4 |  |  |  | N/A | No | 4.250% | 2 |  | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 2/XX/2050 | $329463.02 | 94.320% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 120.6 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50887932 | Non QM |  |  |  | Yes | No | $32850.00 | $9773.99 |  | XX.XX% | $XXX | $XXX | 5.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $38957.68 | 1 | $24999.96 | $3786.00 | $2083.33 | $315.50 |  |  |  |  |  | 31.805% | 31.805% | 31.805% | 1/XX/2020 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2019<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2019<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2019<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2017<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2007 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $32850.00 |  | 3.790% | $0.00 | 2.0 |  |  |  | N/A | No | 5.750% | 0 |  | 2 | 0 | 4 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 2/XX/2050 | $465921.20 | 23.300% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 52.4 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50773671 | Non QM |  |  |  | Yes | No | $11736.79 | $3687.16 |  | XX.XX% | $XXX | $XXX | 6.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3700.41 | 1 | $5108.16 | $1407.00 | $425.68 | $117.25 |  |  |  |  |  | 47.136% | 47.136% | 47.136% | 12/XX/2019 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2016<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2020<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2019<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2019<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2019 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11736.79 |  | 3.740% | $0.00 | 2.2 |  |  |  | N/A | No | 6.000% | 0 |  | 2 | 0 | 3 | 2 |  |  | 10.47 | No |  |  |  |  |  |  |  |  |  | 2/XX/2050 |  |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.04 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50208720 | Higher Priced QM |  |  |  | Yes | No | $9350.00 | $10642.39 |  | XX.XX% | $XXX | $XXX | 6.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13313.79 | 1 | $12504.00 | $1244.04 | $1042.00 | $103.67 |  |  |  |  |  | 40.062% | 40.062% | 40.062% | 12/XX/2019 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2017<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2017<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Business License - 2018<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2018<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2017<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2017<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2019<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2019<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2019 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; 4506 or 4506-T - 2016<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9350.00 |  | 3.960% | $0.00 | 3.2 |  |  |  | N/A | No | 6.500% | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 10.97 | No |  |  |  |  |  |  |  |  |  | 2/XX/2050 | $28000.00 | 2.950% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.85 |  |  | No |  | $7448.79 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56388774 | Non QM |  |  |  | Yes | No | $10287.50 | $10900.55 |  | XX.XX% | $XXX | $XXX | 5.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5481.82 | 1 | $13344.96 | $2768.04 | $1112.08 | $230.67 |  |  |  |  |  | 54.140% | 54.140% | 54.140% | 11/XX/2019 | 655 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2020<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2019<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2019<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2019<br> [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2019<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2019<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2019<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2019<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 - 2018 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $10287.50 |  | 3.790% | $0.00 | 5.0 |  |  |  | N/A | No | 5.625% | 1 |  | 2 | 0 | 4 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 2/XX/2050 | $37678.83 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.26 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52792326 | Non QM |  |  |  | Yes | No | $35107.50 | $36519.11 |  | XX.XX% | $XXX | $XXX | 4.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20765.69 | 1 | $30727.20 | $8700.00 | $2560.60 | $725.00 |  |  |  |  |  | 44.419% | 44.419% | 44.419% | 12/XX/2019 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2017 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $35107.50 |  | 3.700% | $0.00 | 3.0 |  |  |  | N/A | No | 4.000% | 2 |  | 2 | 0 | 3 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 2/XX/2050 | $692951.09 | 26.650% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.62 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56782731 | Higher Priced QM |  |  |  | Yes | No | $6384.00 |  |  | XX.XX% | $XXX | $XXX | 5.500% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12894.55 | 1 | $2516.64 | $716.88 | $209.72 | $59.74 |  |  |  |  |  | 42.691% | 42.691% | 43.487% | 12/XX/2019 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2020<br> [Borrower - \| Primary Income - Wages]; WVOE - 2020<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2019<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; 4506 or 4506-T - 2016 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6384.00 |  | 3.900% | $325.84 | 2.0 |  |  |  | N/A | No | 5.500% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 2/XX/2050 | $73248.71 | 11.450% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.81 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51701562 | Higher Priced QM |  |  |  | Yes | No | $5747.50 | $2529.63 |  | XX.XX% | $XXX | $XXX | 7.000% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Mexico |  |  |  | $3838.29 | 1 | $2750.04 | $612.72 | $229.17 | $51.06 |  |  |  |  |  | 40.949% | 40.949% | 40.949% | 1/XX/2020 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5747.50 |  | 3.780% | $1863.05 | 1.2 |  |  |  | N/A | No | 7.000% | 2 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 2/XX/2050 | $36758.87 | 16.710% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 12.91 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59596710 | Higher Priced QM |  |  |  | Yes | No | $1445.00 | $2080.97 |  | XX.XX% | $XXX | $XXX | 6.625% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7247.84 | 1 | $2197.20 | $716.04 | $183.10 | $59.67 |  |  |  |  |  | 39.265% | 39.265% | 39.265% | 1/XX/2020 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Other - 2020<br> [Borrower - \| Primary Income - Pension]; Account Statements - 2019<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2017<br> [Borrower - \| Non-Primary Income - Social Security]; Other - 2020<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2019<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2019<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2018<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2018<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2017 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506 or 4506-T - 2019<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1445.00 |  | 3.700% | $0.00 | 2.4 |  |  |  | N/A | No | 6.625% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 2/XX/2050 | $64296.24 | 45.120% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.35 |  |  | No |  | $0.00 | $8400.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57915199 | Non QM |  |  |  | Yes | No | $1990.24 | $3468.70 |  | XX.XX% | $XXX | $XXX | 4.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7067.55 | 1 | $3648.00 | $3648.00 | $304.00 | $304.00 |  |  |  |  |  | 48.608% | 48.608% | 48.608% | 12/XX/2019 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2017 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; Transcripts (1040) - No Results Returned - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1990.24 |  | 3.780% | $0.00 | 4.0 | DU |  | ApproveEligible | N/A | No | 4.875% | 2 |  | 2 | 0 | 3 | 2 |  |  | 12.50 | No |  |  |  |  |  |  |  |  |  | 3/XX/2050 | $72291.63 | 25.910% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.25 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54458443 | Non QM |  |  |  | Yes | No | $3419.62 | $1332.39 |  | XX.XX% | $XXX | $XXX | 6.750% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $3361.74 | 1 | $1663.92 | $852.00 | $138.66 | $71.00 |  |  |  |  |  | 37.926% | 37.926% | 37.926% | 12/XX/2019 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; WVOE - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3419.62 |  | 3.780% | $4580.24 | 2.0 |  |  |  | N/A | No | 6.750% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 2/XX/2050 | $28417.27 | 23.980% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 8.85 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53540754 | Non QM |  |  |  | Yes | No | $29350.00 | $5252.33 |  | XX.XX% | $XXX | $XXX | 4.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23064.00 | 1 | $39999.96 | $3269.16 | $3333.33 | $272.43 |  |  |  |  |  | 51.034% | 51.034% | 51.034% | 12/XX/2019 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Balance Sheet - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; P&L Statement - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1065 - 2018<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1065 - 2017<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Business Return Transcripts - 2017<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2017<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Business License - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2017<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2017<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2019<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Business License - 2019<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2019<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2019<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2018<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2018<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2017<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2017<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2017<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2020<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2019<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Business License - 2019<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2019<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2018<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2017<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2017 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; 4506 or 4506-T - 2016<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $29350.00 |  | 3.710% | $0.00 | 2.0 |  |  |  | N/A | No | 4.875% | 0 | 0 | 2 | 0 | 3 | 1 |  |  | 10.97 | No |  |  |  |  |  |  |  |  |  | 2/XX/2050 | $1177426.01 | 36.790% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.11 |  |  | No |  | $23036.81 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50815960 | Non QM |  |  |  | Yes | No | $7987.50 | $784.40 |  | XX.XX% | $XXX | $XXX | 6.750% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3536.98 | 1 | $5949.60 | $2429.04 | $495.80 | $202.42 |  |  |  |  |  | 45.589% | 45.589% | 45.589% | 11/XX/2019 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - Year Not Available<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - Year Not Available<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2018<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2017 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506 or 4506-T - 2019<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; 4506 or 4506-T - 2016<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  | 1 |  |  |  |  |  |  | 1 |  |  | 3 |  | 0 | 0 | 0 |  |  | XXX | $7987.50 |  | 3.780% | $0.00 | 1.4 |  |  |  | N/A | No | 6.750% | 0 | 2 | 2 | 0 | 4 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 2/XX/2050 | $16148.09 | 4.550% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.05 |  |  | No |  | $0.00 | $3206.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57543560 | N/A |  |  |  | Yes | No | $3579.60 | $4794.51 |  | XX.XX% | $XXX | $XXX | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9681.06 | 1 | $2060.16 | $1326.96 | $171.68 | $110.58 |  |  |  |  |  | 38.626% | 38.626% | 38.626% | 11/XX/2019 | 641 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2017 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3579.60 |  | 3.720% | $0.00 | 2.1 |  |  |  | N/A | No | 6.875% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 2/XX/2050 | $93177.09 | 35.160% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.81 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50708232 | Safe Harbor QM |  |  |  | Yes | No | $13747.16 | $16776.46 |  | XX.XX% | $XXX | $XXX | 4.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7992.88 | 1 | $7444.08 | $4926.96 | $620.34 | $410.58 |  |  |  |  |  | 42.594% | 42.594% | 42.594% | 12/XX/2019 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2020 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $13747.16 |  | 3.790% | $0.00 | 3.6 |  |  |  | N/A | No | 4.125% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 3/XX/2050 | $330752.91 |  |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 63.15 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51170762 | Safe Harbor QM |  |  |  | Yes | No | $6500.00 | $9135.24 |  | XX.XX% | $XXX | $XXX | 4.875% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20594.37 | 1 | $8532.48 | $1353.96 | $711.04 | $112.83 |  |  |  |  |  | 31.433% | 31.433% | 31.433% | 1/XX/2020 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; 4506 or 4506-T - 2016 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6500.00 |  | 3.660% | $0.00 | 2.0 |  |  |  | N/A | No | 4.875% | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 3/XX/2050 | $390655.45 | 46.790% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.09 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51428889 | Higher Priced QM |  |  |  | Yes | No | $5639.10 | $6549.56 |  | XX.XX% | $XXX | $XXX | 5.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9611.28 | 1 | $994.92 | $725.04 | $82.91 | $60.42 |  |  |  |  |  | 37.483% | 37.483% | 37.483% | 11/XX/2019 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2017 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5639.10 |  | 3.780% | $12000.00 | 1.9 |  |  |  | N/A | No | 5.875% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 2/XX/2050 | $940485.65 | 100.000% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 278.54 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57005897 | N/A |  |  |  | Yes | No | $3130.00 | $4430.89 |  | XX.XX% | $XXX | $XXX | 6.375% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8062.11 | 1 | $1500.12 | $354.96 | $125.01 | $29.58 |  |  |  |  |  | 42.448% | 42.448% | 42.448% | 1/XX/2020 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; 4506 or 4506-T - 2016 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3130.00 |  | 3.940% | $0.00 | 1.3 |  |  |  | N/A | No | 6.375% | 3 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 3/XX/2050 | $153659.05 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 120.24 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56618526 | N/A |  |  |  | Yes | No | $2627.64 | $2422.58 |  | XX.XX% | $XXX | $XXX | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4569.31 | 1 | $1802.04 | $791.04 | $150.17 | $65.92 |  |  |  |  |  | 46.495% | 46.495% | 46.495% | 2/XX/2020 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2019<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2019<br> [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2012 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2627.64 |  | 3.510% | $0.00 | 2.0 |  |  |  | N/A | No | 7.000% | 0 |  | 2 | 0 | 3 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 3/XX/2050 | $56629.93 | 29.960% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.34 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50154373 | N/A |  |  |  | Yes | No | $11570.40 | $12960.49 |  | XX.XX% | $XXX | $XXX | 5.964% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $42061.35 | 1 | $2175.48 | $1620.00 | $181.29 | $135.00 |  |  |  |  |  | 39.331% | 39.829% | 39.331% | 2/XX/2020 | 642 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2017<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2017<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2017<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2020<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2020<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2019 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Tax Return Extension - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11570.40 |  | 3.990% | $0.00 | 3.7 |  |  |  | N/A | No | 5.964% | 2 |  | 2 | 0 | 3 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 3/XX/2050 | $242481.27 |  |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 104.34 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54492555 | N/A |  |  |  | Yes | No | $10912.50 | $5199.85 |  | XX.XX% | $XXX | $XXX | 6.625% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11096.14 | 1 | $16625.04 | $1278.00 | $1385.42 | $106.50 |  |  |  |  |  | 26.277% | 26.277% | 26.277% | 1/XX/2020 | 659 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; Transcripts (1040) - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; 4506 or 4506-T - 2016 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $10912.50 |  | 3.660% | $0.00 | 2.0 |  |  |  | N/A | No | 6.625% | 2 | 0 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 3/XX/2050 | $1568966.59 | 100.000% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 146.42 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50181489 | Higher Priced QM |  |  |  | Yes | No | $4363.35 | $4745.45 |  | XX.XX% | $XXX | $XXX | 5.750% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2196.11 | 1 | $1886.52 | $408.00 | $157.21 | $34.00 |  |  |  |  |  | 39.253% | 39.253% | 39.253% | 10/XX/2019 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2019<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2019<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2019<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2019 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4363.35 |  | 3.720% | $150.00 | 999.0 |  |  |  | N/A | No | 5.750% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 1/XX/2050 | $89976.38 | 52.930% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.39 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59549550 | Non QM |  |  |  | Yes | No | $1350.00 | $6093.17 |  | XX.XX% | $XXX | $XXX | 5.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11399.76 | 1 | $8027.40 | $4316.04 | $668.95 | $359.67 |  |  |  |  |  | 53.843% | 53.843% | 53.843% | 2/XX/2020 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Balance Sheet - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; P&L Statement - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1120S - 2018<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1120S - 2017<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Business Return Transcripts - 2017<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2017<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2020<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; 1120S - 2018<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; Business Return Transcripts - 2018<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2018<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; 1120S - 2017<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; Business Return Transcripts - 2017<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; W-2 - 2017<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; 4506 or 4506-T (for Business) - 2016<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Balance Sheet - 2020<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; P&L Statement - 2020<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2020<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Other - 2019<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; 1120S - 2018<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Business Return Transcripts - 2018<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2018<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; W-2 - 2018<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; 1120S - 2017<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Business Return Transcripts - 2017<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2017<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; W-2 - 2017<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; 4506 or 4506-T (for Business) - 2016 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506 or 4506-T - 2019<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1350.00 |  | 3.570% | $0.00 | 2.6 |  |  |  | N/A | No | 5.875% | 1 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 3/XX/2050 | $227799.26 | 17.520% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.77 |  |  | No |  | $6122.50 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56610173 | Non QM |  |  |  | Yes | No | $318.14 | $1515.09 |  | XX.XX% | $XXX | $XXX | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14585.39 | 1 | $1506.36 | $630.96 | $125.53 | $52.58 |  |  |  |  |  | 44.584% | 44.584% | 44.584% | 1/XX/2020 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; WVOE - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; WVOE - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017<br> [Borrower - \| Primary Income - Wages]; W-2 - 2016<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Other - 2019<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Paystubs - 2019 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  | 1 |  |  | 1 |  | 0 | 0 | 0 |  |  | XXX | $318.14 |  | 3.700% | $0.00 | 2.2 |  |  |  | N/A | No | 6.250% | 3 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 2/XX/2050 | $208933.48 | 27.860% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.22 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54691973 | Non QM |  |  |  | Yes | No | $5607.00 | $6556.59 |  | XX.XX% | $XXX | $XXX | 8.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5138.82 | 1 | $4995.72 | $2979.96 | $416.31 | $248.33 |  |  |  |  |  | 49.857% | 54.189% | 49.857% | 1/XX/2020 | 606 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2017<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2017 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; 4506 or 4506-T - 2016 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5607.00 |  | 3.990% | $0.00 | 4.0 |  |  |  | N/A | No | 8.875% | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 3/XX/2050 | $149070.34 | 33.880% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.57 |  |  | Yes |  | $5124.25 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52404933 | Non QM |  |  |  | Yes | No | $2861.80 | $3364.34 |  | XX.XX% | $XXX | $XXX | 6.000% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3175.13 | 1 | $8279.76 | $875.04 | $689.98 | $72.92 |  |  |  |  |  | 51.944% | 51.944% | 51.944% | 11/XX/2019 | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; WVOE - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2017<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2019<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2020<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2020<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2020 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; Transcripts (1040) - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506 or 4506-T - 2019<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; Transcripts (1040) - 2016<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2861.80 |  | 3.720% | $0.00 | 1.6 |  |  |  | N/A | No | 6.000% | 2 | 0 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 2/XX/2050 | $21774.36 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.13 |  |  | No |  | $1510.42 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51919672 | N/A |  |  |  | Yes | No | $5832.00 | $8584.89 |  | XX.XX% | $XXX | $XXX | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3400.92 | 2 | $3387.60 | $3050.04 | $282.30 | $254.17 |  |  |  |  |  | 33.729% | 33.729% | 33.729% | 1/XX/2020 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2020<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2020<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2019<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2018 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5832.00 |  | 3.660% | $0.00 |  |  |  |  | N/A | No | 6.750% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 3/XX/2050 | $95395.15 | 29.440% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.02 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53682528 | Safe Harbor QM |  |  |  | Yes | No | $4102.50 | $4750.23 |  | XX.XX% | $XXX | $XXX | 4.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4092.18 | 1 | $2148.12 | $389.16 | $179.01 | $32.43 |  |  |  |  |  | 32.633% | 32.633% | 32.633% | 2/XX/2020 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2019<br> [Borrower - \| Primary Income - Wages]; VVOE - 2019 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4102.50 |  | 3.790% | $0.00 | 999.0 |  |  |  | N/A | No | 4.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 3/XX/2050 | $13543.81 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.29 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54629592 | N/A |  |  |  | Yes | No | $1200.00 | $3345.18 |  | XX.XX% | $XXX | $XXX | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11422.75 | 1 | $1921.44 | $789.96 | $160.12 | $65.83 |  |  |  |  |  | 40.323% | 40.323% | 40.323% | 12/XX/2019 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1200.00 |  | 3.720% | $0.00 | 1.1 |  |  |  | N/A | No | 6.875% | 2 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 2/XX/2050 | $545127.25 | 100.000% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 326.28 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51223014 | Non QM |  |  |  | Yes | No | $1680.00 | $7312.29 |  | XX.XX% | $XXX | $XXX | 6.375% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $80034.53 | 1 | $13980.00 | $1786.80 | $1165.00 | $148.90 |  |  |  |  |  | 19.850% | 19.850% | 19.850% | 1/XX/2020 | 650 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2019 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017 | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1680.00 |  | 3.710% | $2980.00 | 4.0 |  |  |  | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 180 |  |  |  |  | 3/XX/2050 | $19243286.35 | 100.000% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2289.67 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57102501 | Non QM |  |  |  | Yes | No | $7099.00 | $8054.98 |  | XX.XX% | $XXX | $XXX | 4.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5201.55 | 1 | $3498.96 | $1497.96 | $291.58 | $124.83 |  |  |  |  |  | 50.067% | 50.067% | 50.067% | 1/XX/2020 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 |  |  | XXX | $7099.00 |  | 3.570% | $0.00 | 1.3 | DU |  | ApproveIneligible | N/A | No | 4.500% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 3/XX/2050 | $131505.78 | 30.230% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.5 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53412672 | N/A |  |  |  | Yes | No | $12577.00 | $12977.33 |  | XX.XX% | $XXX | $XXX | 4.375% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8751.35 | 1 | $2335.20 | $651.00 | $194.60 | $54.25 |  |  |  |  |  | 41.012% | 41.012% | 41.012% | 1/XX/2020 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; WVOE - 2020<br> [Borrower - \| Primary Income - Wages]; Other - 2019<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; WVOE - 2019<br> [Borrower - \| Primary Income - Wages]; WVOE - 2019<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; WVOE - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Balance Sheet - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; P&L Statement - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1065 - 2018<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2018 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506 or 4506-T - 2019<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $12577.00 |  | 3.700% | $0.00 |  |  |  |  | N/A | No | 4.375% | 2 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 2/XX/2050 | $180703.74 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 46.46 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54958118 | Non QM |  |  |  | Yes | No | $2570.60 | $3119.90 |  | XX.XX% | $XXX | $XXX | 11.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7241.19 | 1 | $1469.28 | $1599.24 | $122.44 | $133.27 |  |  |  |  |  | 22.081% | 21.858% | 19.355% | 1/XX/2020 | 640 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; WVOE - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2018 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506 or 4506-T - 2019<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2570.60 |  | 4.050% | $33000.00 | 5.0 |  |  |  | N/A | No | 11.375% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 3/XX/2050 | $48389.88 | 24.190% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.61 |  |  | No |  | $0.00 | $5101.17 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59164330 | Non QM |  |  |  | Yes | No | $1350.00 | $2362.53 |  | XX.XX% | $XXX | $XXX | 5.375% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15230.75 | 1 | $8666.64 | $1277.04 | $722.22 | $106.42 |  |  |  |  |  | 43.090% | 43.090% | 43.090% | 1/XX/2020 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2020<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2020 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1350.00 |  | 3.530% | $10000.00 | 2.0 |  |  |  | N/A | No | 5.375% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 120 |  |  |  |  | 3/XX/2050 | $3343503.96 | 100.000% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1085.79 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52118962 | Non QM |  |  |  | Yes | No | $2649.41 | $4165.90 |  | XX.XX% | $XXX | $XXX | 5.375% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2869.18 | 1 | $2572.32 | $974.04 | $214.36 | $81.17 |  |  |  |  |  | 44.913% | 44.913% | 44.913% | 2/XX/2020 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2019<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2020<br> [Borrower - \| Primary Income - IRA Distribution]; 1099 - 2019<br> [Borrower - \| Primary Income - IRA Distribution]; 1099 - 2018<br> [Borrower - \| Primary Income - IRA Distribution]; 1099 - 2017 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2649.41 |  | 3.570% | $0.00 | 3.0 |  |  |  | N/A | No | 5.375% | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 4/XX/2050 | $122176.44 | 74.090% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 50.84 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58746223 | Higher Priced QM |  |  |  | Yes | No | $0.00 | $2241.49 |  | XX.XX% | $XXX | $XXX | 5.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9949.93 | 1 | $8999.64 | $6970.08 | $749.97 | $580.84 |  |  |  |  |  | 41.599% | 41.599% | 41.599% | 1/XX/2020 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2017<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Balance Sheet - 2020<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Business License - 2020<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2020<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2020<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2020 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Coborrower]; 4506 or 4506-T - 2019<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; 4506 or 4506-T - 2016 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | 3.710% | $0.00 | 1.3 |  |  |  | N/A | No | 5.875% | 0 | 0 | 2 | 0 | 4 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 3/XX/2050 | $148886.82 | 16.920% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.82 |  |  | No |  | $4705.08 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58528302 | Non QM |  |  |  | Yes | No | $4400.00 | $4757.51 |  | XX.XX% | $XXX | $XXX | 8.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4330.21 | 1 | $8884.44 | $1163.04 | $740.37 | $96.92 |  |  |  |  |  | 43.307% | 48.646% | 43.307% | 12/XX/2019 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; WVOE - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2014<br> [Borrower - \| Non-Primary Income - Alimony]; Court Registry - 2018<br> [Borrower - \| Non-Primary Income - Alimony]; Divorce Decree - 2018<br> [Borrower - \| Non-Primary Income - Child Support]; Child Support Order - 2018 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4400.00 |  | 3.910% | $0.00 | 3.2 |  |  |  | N/A | No | 8.750% | 2 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 3/XX/2050 | $42316.75 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.09 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57682068 | Non QM |  |  |  | Yes | No | $19685.00 | $23138.71 |  | XX.XX% | $XXX | $XXX | 4.250% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24109.32 | 1 | $3951.00 | $1164.96 | $329.25 | $97.08 |  |  |  |  |  | 33.176% | 33.176% | 33.176% | 2/XX/2020 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2017<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2018 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506 or 4506-T - 2019<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $19685.00 |  | 3.570% | $0.00 | 1.7 |  |  |  | N/A | No | 4.250% | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 4/XX/2050 | $250814.94 | 39.500% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.75 |  |  | No |  | $0.00 | $18333.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51123086 | Non QM |  |  |  | Yes | No | $4885.80 | $6134.64 |  | XX.XX% | $XXX | $XXX | 4.875% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6032.28 | 1 | $3151.92 | $1307.76 | $262.66 | $108.98 |  |  |  |  |  | 48.480% | 48.480% | 48.480% | 1/XX/2020 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2020<br> [Borrower - \| Primary Income - Pension]; Account Statements - 2019<br> [Borrower - \| Primary Income - Pension]; Paystubs - 2019<br> [Borrower - \| Primary Income - Pension]; 1099 - 2018<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2020<br> [Coborrower(s) - \| Primary Income - Pension]; Account Statements - 2019<br> [Coborrower(s) - \| Primary Income - Pension]; 1099 - 2018<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2020<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Paystubs - 2020<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2019 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; 4506 or 4506-T - 2016<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4885.80 |  | 3.660% | $2000.00 | 2.1 |  |  |  | N/A | No | 4.875% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 4/XX/2050 | $409351.74 | 100.000% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 122.27 |  |  | No |  | $3909.74 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51659067 | Safe Harbor QM |  |  |  | Yes | No | $11261.75 | $14232.00 |  | XX.XX% | $XXX | $XXX | 4.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12772.18 | 1 | $15521.28 | $5894.04 | $1293.44 | $491.17 |  |  |  |  |  | 41.791% | 41.791% | 41.791% | 1/XX/2020 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Non-Primary Income - C-Corp]; CPA Letter - 2020<br> [Borrower - \| Non-Primary Income - C-Corp]; Balance Sheet - 2019<br> [Borrower - \| Non-Primary Income - C-Corp]; P&L Statement - 2019<br> [Borrower - \| Non-Primary Income - C-Corp]; 1120 - 2018<br> [Borrower - \| Non-Primary Income - C-Corp]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Non-Primary Income - C-Corp]; Business Return Transcripts - 2018<br> [Borrower - \| Non-Primary Income - C-Corp]; 1120 - 2017<br> [Borrower - \| Non-Primary Income - C-Corp]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Non-Primary Income - C-Corp]; Business Return Transcripts - 2017 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11261.75 |  | 3.570% | $0.00 | 3.0 |  |  |  | N/A | No | 4.500% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 4/XX/2050 | $221149.90 |  |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.52 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55660319 | Non QM |  |  |  | Yes | No | $1350.00 | $4256.89 |  | XX.XX% | $XXX | $XXX | 6.875% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5727.52 | 1 | $5256.96 | $2121.00 | $438.08 | $176.75 |  |  |  |  |  | 49.853% | 49.853% | 49.853% | 3/XX/2020 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2020<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2019<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; WVOE - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - 2017 | Full Documentation (F) | Full |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1350.00 |  | 3.660% | $0.00 | 2.6 |  |  |  | N/A | No | 6.875% | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 4/XX/2050 | $291414.36 | 48.570% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.52 |  |  | No |  | $2997.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52634376 | Non QM |  |  |  | Yes | No | $14585.60 | $25018.47 |  | XX.XX% | $XXX | $XXX | 7.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13714.85 | 1 | $20375.04 | $2393.04 | $1697.92 | $199.42 |  |  |  |  |  | 45.902% | 45.902% | 45.902% | 2/XX/2020 | 632 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; WVOE - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $14585.60 |  | 3.720% | $0.00 | 3.0 |  |  |  | N/A | No | 7.000% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 4/XX/2050 | $573111.25 | 35.160% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.96 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52304443 | Higher Priced QM |  |  |  | Yes | No | $1350.00 | $2360.49 |  | XX.XX% | $XXX | $XXX | 6.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8502.64 | 1 | $1209.12 | $465.96 | $100.76 | $38.83 |  |  |  |  |  | 36.036% | 36.036% | 36.036% | 1/XX/2020 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2018 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; 4506 or 4506-T - 2016<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  | 1 |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 |  |  | XXX | $1350.00 |  | 3.570% | $0.00 | 1.0 |  |  |  | N/A | No | 6.000% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 4/XX/2050 | $50669.68 | 23.300% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.39 |  |  | No |  | $0.00 | $5182.48 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53068796 | Non QM |  |  |  | Yes | No | $12232.09 | $15303.63 |  | XX.XX% | $XXX | $XXX | 4.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15577.97 | 1 | $16051.32 | $2937.00 | $1337.61 | $244.75 |  |  |  |  |  | 44.330% | 44.330% | 44.330% | 2/XX/2020 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2017<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2017<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2017<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2017<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2017<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business License - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2017<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2017<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2019<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2019<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2019<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2017<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2017<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2018<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2017<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2017<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2019<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2018<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2017<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2017 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506 or 4506-T - 2019<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $12232.09 |  | 3.530% | $0.00 | 3.0 |  |  |  | N/A | No | 4.250% | 1 | 2 | 2 | 0 | 3 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 4/XX/2050 | $113024.00 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.61 |  |  | No |  | $17699.83 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58962286 | N/A |  |  |  | Yes | No | $7392.91 | $8674.39 |  | XX.XX% | $XXX | $XXX | 5.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8812.98 | 1 | $1454.28 | $876.00 | $121.19 | $73.00 |  |  |  |  |  | 45.935% | 45.935% | 45.935% | 1/XX/2020 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2016 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7392.91 |  | 3.510% | $4500.00 | 2.3 |  |  |  | N/A | No | 5.500% | 2 |  | 2 | 0 | 3 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 4/XX/2050 | $281824.12 | 100.000% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 128.99 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 58618428 | Higher Priced QM |  |  |  | Yes | No | $3241.50 | $1974.08 |  | XX.XX% | $XXX | $XXX | 9.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2134.52 | 1 | $590.88 | $564.36 | $49.24 | $47.03 |  |  |  |  |  | 40.340% | 40.340% | 40.340% | 1/XX/2020 | 643 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; WVOE - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 2 | 5 |  |  | XXX | $3241.50 |  | 3.550% | $848.00 | 2.4 |  |  |  | N/A | No | 9.625% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 4/XX/2050 | $32046.54 | 29.160% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.58 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55152659 | Non QM |  |  |  | Yes | No | $3907.91 | $5010.74 |  | XX.XX% | $XXX | $XXX | 5.875% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9661.22 | 1 | $2690.16 | $488.64 | $224.18 | $40.72 |  |  |  |  |  | 45.062% | 45.062% | 45.062% | 1/XX/2020 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business License - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2017<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2017<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2015<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; WVOE - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Business License - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2018<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2018<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2017<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2017<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2020<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2019<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2018 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; 4506 or 4506-T - 2016<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3907.91 |  | 3.530% | $0.00 | 1.4 | DU |  | ApproveEligible | N/A | No | 5.875% | 3 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 4/XX/2050 | $99090.49 | 47.240% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.54 |  |  | No |  | $4757.71 | $3906.25 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50541682 | Non QM |  |  |  | Yes | No | $3480.00 | $4236.18 |  | XX.XX% | $XXX | $XXX | 8.250% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $1864.75 | 1 | $544.32 | $2277.48 | $45.36 | $189.79 |  |  |  |  |  | 44.119% | 44.119% | 44.119% | 2/XX/2020 | 611 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2019<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2019<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2020 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - No Results Returned - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - No Results Returned - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2018<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2017<br> [Coborrower]; 4506 or 4506-T - 2016 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | XXX | $3480.00 |  | 3.570% | $0.00 | 2.7 |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 4/XX/2050 | $4823.34 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.28 |  |  | No |  | $432.50 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55198072 | Non QM |  |  |  | Yes | No | $3455.63 | $3903.43 |  | XX.XX% | $XXX | $XXX | 5.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5916.32 | 1 | $3151.92 | $872.04 | $262.66 | $72.67 |  |  |  |  |  | 44.141% | 44.141% | 44.141% | 3/XX/2020 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; WVOE - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2018 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; 4506 or 4506-T - 2016<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3455.63 |  | 3.510% | $75000.00 | 2.3 |  |  |  | N/A | No | 5.250% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 4/XX/2050 | $141414.85 | 17.830% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.36 |  |  | No |  | $0.00 | $3444.83 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56547953 | Higher Priced QM |  |  |  | Yes | No | $1713.95 | $3947.30 |  | XX.XX% | $XXX | $XXX | 5.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6913.97 | 1 | $8253.00 | $2309.40 | $687.75 | $192.45 |  |  |  |  |  | 37.260% | 37.260% | 37.260% | 3/XX/2020 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2020<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2020<br> [Borrower - \| Primary Income - Wages]; Other - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2019<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2019 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 |  |  | XXX | $1713.95 |  | 3.530% | $5000.00 | 4.3 |  |  |  | N/A | No | 5.750% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 4/XX/2050 | $94180.55 | 19.830% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.58 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50061381 | Safe Harbor QM |  |  |  | Yes | No | $1350.00 | $3561.70 |  | XX.XX% | $XXX | $XXX | 4.750% | No | No | Self-Employed | Self-Employed | Self-Employed | Not Employed | 24.02 | 0 | US Citizen | US Citizen | US Citizen | US Citizen |  |  |  |  | $42920.75 | 1 | $23241.84 | $3422.04 | $1936.82 | $285.17 |  |  |  |  |  | 40.132% | 40.132% | 40.132% | 3/XX/2020 | 704 | 724 | 740 | 716 | 728 | 753 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2017<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2017<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2016<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2020<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2020<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2019<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2019<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2018<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2018<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2017<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2017<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2017<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2016<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2020<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2020<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2020<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Balance Sheet - 2019<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2019<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2018<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2017 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506 or 4506-T - 2019<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Tax Return Extension - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1350.00 |  | 3.790% | $0.00 | 2.7 |  |  |  | N/A | No | 4.750% | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 4/XX/2050 | $103358.20 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.12 |  |  | No |  | $63975.01 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50705517 | Non QM |  |  |  | Yes | No | $35100.00 | $6509.22 |  | XX.XX% | $XXX | $XXX | 6.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $27747.76 | 1 | $20671.44 | $1545.24 | $1722.62 | $128.77 |  |  |  |  |  | 52.849% | 52.849% | 52.849% | 1/XX/2020 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2017<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2017<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2017<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2017<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2017 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | XXX | $35100.00 |  | 3.350% | $0.00 | 4.0 |  |  |  | N/A | No | 6.125% | 0 |  | 2 | 0 | 2 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 4/XX/2050 | $1850529.58 |  |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 156.49 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54085064 | Higher Priced QM |  |  |  | Yes | No | $0.00 | $380.24 |  | XX.XX% | $XXX | $XXX | 5.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8527.74 | 1 | $6875.64 | $752.04 | $572.97 | $62.67 |  |  |  |  |  | 36.042% | 36.042% | 36.042% | 2/XX/2020 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2020 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 |  |  | XXX |  |  | 3.550% | $0.00 | 2.1 |  |  |  | N/A | No | 5.250% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 4/XX/2050 | $69165.99 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.27 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52502967 | Safe Harbor QM |  |  |  | Yes | No | $1700.00 | $3035.93 |  | XX.XX% | $XXX | $XXX | 4.625% | No | Yes | Not Employed | Not Employed | Employed |  | 20.03 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $458604.80 | 1 | $40836.72 | $7526.76 | $3403.06 | $627.23 |  |  |  |  |  | 4.948% | 4.948% | 4.948% | 3/XX/2020 | 705 | 705 | 727 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2020 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506 or 4506-T - 2019<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; 4506 or 4506-T - 2016 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1700.00 |  | 3.350% | $0.00 | 1.0 |  |  |  | N/A | No | 4.625% | 0 | 0 | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 4/XX/2050 | $1507176.49 | 77.090% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.23 |  |  | No |  | $0.00 | $482477.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50890588 | N/A |  |  |  | Yes | No | $2150.00 | $3310.93 |  | XX.XX% | $XXX | $XXX | 7.625% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8552.59 | 1 | $2637.24 | $381.96 | $219.77 | $31.83 |  |  |  |  |  | 32.616% | 32.616% | 32.616% | 2/XX/2020 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; WVOE - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; 4506 or 4506-T - 2016 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2150.00 |  | 3.350% | $0.00 | 2.5 |  |  |  | N/A | No | 7.625% | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 4/XX/2050 | $104343.43 | 58.790% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.77 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54375205 | Temporary HPQM (GSE/Agency Eligible) |  |  |  | Yes | Yes | $2793.78 | $3400.67 |  | XX.XX% | $XXX | $XXX | 6.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6212.20 | 1 | $1329.48 | $1235.04 | $110.79 | $102.92 |  |  |  |  |  | 42.204% | 42.204% | 42.204% | 2/XX/2020 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2793.78 |  | 3.530% | $4200.00 | 1.0 | DU |  | ApproveEligible | N/A | No | 6.125% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 4/XX/2050 | $55604.21 | 38.880% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.04 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55042781 | Safe Harbor QM |  |  |  | Yes | No | $2274.84 | $6163.03 |  | XX.XX% | $XXX | $XXX | 4.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6843.62 | 1 | $6598.80 | $3019.08 | $549.90 | $251.59 |  |  |  |  |  | 40.936% | 40.936% | 40.936% | 1/XX/2020 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2020<br> [Borrower - \| Non-Primary Income - Pension]; 1099 - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2018 | [Borrower]; 1040 - 2019<br> [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2274.84 |  | 3.550% | $0.00 | 2.0 |  |  |  | N/A | No | 4.990% | 0 |  | 2 | 0 | 4 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | 5/XX/2050 | $240206.34 | 27.630% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.63 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59987662 | Non QM |  |  |  | Yes | No | $21867.60 | $23798.21 |  | XX.XX% | $XXX | $XXX | 4.250% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12629.69 | 3 | $8111.64 | $2303.04 | $675.97 | $191.92 |  |  |  |  |  | 43.429% | 43.429% | 43.429% | 2/XX/2020 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2017 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $21867.60 |  | 3.550% | $0.00 |  |  |  |  | N/A | No | 4.250% | 3 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 4/XX/2050 | $775911.12 | 37.670% |  |  |  |  |  |  | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.55 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53184584 | Non QM |  |  |  | Yes | No | $16934.40 | $18384.24 |  | XX.XX% | $XXX | $XXX | 5.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7049.09 | 1 | $10518.24 | $182.04 | $876.52 | $15.17 |  |  |  |  |  | 45.819% | 45.819% | 45.819% | 2/XX/2020 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; WVOE - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; 4506 or 4506-T - 2016<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $16934.40 |  | 3.560% | $0.00 | 1.1 |  |  |  | N/A | No | 5.500% | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 4/XX/2050 | $18482.72 |  |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |  |  | No |  | $0.00 | $6240.24 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54092356 | Non QM |  |  |  | Yes | No | $1870.00 | $8619.15 |  | XX.XX% | $XXX | $XXX | 8.500% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10961.70 | 1 | $2679.60 | $3803.04 | $223.30 | $316.92 |  |  |  |  |  | 44.585% | 44.585% | 44.585% | 1/XX/2020 | 624 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Trust Income]; Account Statements - 2020<br> [Borrower - \| Primary Income - Trust Income]; Account Statements - 2020<br> [Borrower - \| Primary Income - Trust Income]; Trust Agreement - 2017<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2018 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1870.00 |  | 3.420% | $10000.00 | 4.0 |  |  |  | N/A | No | 8.500% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 5/XX/2050 | $1068000.00 | 59.330% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.48 |  |  | No |  | $0.00 | $10781.25 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51392886 | Non QM |  |  |  | Yes | No | $94208.70 | $57404.86 |  | XX.XX% | $XXX | $XXX | 5.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19914.82 | 1 | $37091.76 | $2118.96 | $3090.98 | $176.58 |  |  |  |  |  | 52.203% | 52.203% | 52.203% | 2/XX/2020 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; WVOE - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2018 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; 4506 or 4506-T - 2016<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $94208.70 |  | 3.560% | $14000.00 | 2.6 |  |  |  | N/A | No | 5.250% | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 5/XX/2050 | $644015.29 | 17.360% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.93 |  |  | No |  | ($401.29) | $6596.50 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 55372919 | Non QM |  |  |  | Yes | No | $107735.40 | $51778.88 |  | XX.XX% | $XXX | $XXX | 5.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $27803.61 | 4 | $8619.00 | $4735.80 | $718.25 | $394.65 |  |  |  |  |  | 43.035% | 43.035% | 43.035% | 2/XX/2020 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; WVOE - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2017<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2016 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; Transcripts (1040) - No Results Returned - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $107735.40 |  | 3.800% | $0.00 |  |  |  |  | N/A | No | 5.750% | 3 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 5/XX/2050 | $586054.30 | 21.710% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.48 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56005910 | Higher Priced QM |  |  |  | Yes | No | $1441.00 | $2297.83 |  | XX.XX% | $XXX | $XXX | 5.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4641.60 | 1 | $2133.84 | $582.00 | $177.82 | $48.50 |  |  |  |  |  | 29.991% | 29.991% | 29.991% | 1/XX/2020 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; WVOE - 2020 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1441.00 |  | 3.660% | $0.00 | 4.0 |  |  |  | N/A | No | 5.250% | 0 |  | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 4/XX/2050 | $129248.53 | 51.700% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.04 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54044533 | Higher Priced QM |  |  |  | Yes | No | $1350.00 | $5565.97 |  | XX.XX% | $XXX | $XXX | 9.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7235.53 | 1 | $6561.24 | $654.00 | $546.77 | $54.50 |  |  |  |  |  | 37.973% | 37.973% | 37.973% | 3/XX/2020 | 603 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2017<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2019 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 |  |  | XXX | $1350.00 |  | 3.350% | $0.00 | 1.9 |  |  |  | N/A | No | 9.500% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 5/XX/2050 | $188203.48 | 40.020% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.11 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56125062 | Non QM |  |  |  | Yes | No | $2889.00 | $5726.42 |  | XX.XX% | $XXX | $XXX | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12789.61 | 1 | $8297.88 | $1292.52 | $691.49 | $107.71 |  |  |  |  |  | 38.422% | 38.422% | 38.422% | 1/XX/2020 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2020<br> [Borrower - \| Primary Income - Wages]; Other - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; WVOE - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2019 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; 4506 or 4506-T - 2016<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2889.00 |  | 3.140% | $0.00 | 2.1 |  |  |  | N/A | No | 6.375% | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 4/XX/2050 | $22649.47 |  |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.47 |  |  | No |  | $0.00 | $12083.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 56916192 | Higher Priced QM |  |  |  | Yes | No | $1350.00 | $2763.19 |  | XX.XX% | $XXX | $XXX | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5145.61 | 1 | $791.28 | $1555.44 | $65.94 | $129.62 |  |  |  |  |  | 35.680% | 35.680% | 35.680% | 12/XX/2019 | 649 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1350.00 |  | 3.420% | $31000.00 | 2.8 |  |  |  | N/A | No | 6.875% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 5/XX/2050 | $44318.68 | 12.230% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.6 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52973069 | Non QM |  |  |  | Yes | No | $1586.62 | $3959.78 |  | XX.XX% | $XXX | $XXX | 4.500% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8819.40 | 1 | $11860.32 | $4212.96 | $988.36 | $351.08 |  |  |  |  |  | 44.987% | 44.987% | 44.987% | 2/XX/2020 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2019<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2020<br> [Borrower - \| Primary Income - Asset Depletion]; Third Party Verification - 2019<br> [Borrower - \| Primary Income - Asset Depletion]; Verification of Deposit - 2019 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506 or 4506-T - 2019<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; 4506 or 4506-T - 2017 | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1586.62 |  | 3.550% | $0.00 | 4.0 |  |  |  | N/A | No | 4.500% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 120 |  |  |  |  | 5/XX/2050 | $1597479.27 | 100.000% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 44.13 |  |  | No |  | $0.00 | $6397.50 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59697733 | N/A |  |  |  | Yes | No | $1350.00 | $2853.69 |  | XX.XX% | $XXX | $XXX | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5749.36 | 1 | $2603.76 | $336.00 | $216.98 | $28.00 |  |  |  |  |  | 32.818% | 32.818% | 32.818% | 1/XX/2020 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2018 | [Borrower]; 1040 - 2019<br> [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1350.00 |  | 3.420% | $1054.00 | 4.0 |  |  |  | N/A | No | 6.750% | 2 |  | 2 | 0 | 2 | 2 |  |  | 3.00 | No |  |  |  |  |  |  |  |  |  | 5/XX/2050 | $38375.16 | 23.260% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 45.27 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 59567208 | Non QM |  |  |  | Yes | No | $9077.50 | $10485.57 |  | XX.XX% | $XXX | $XXX | 9.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6430.88 | 1 | $5457.96 | $1875.00 | $454.83 | $156.25 |  |  |  |  |  | 34.068% | 34.068% | 34.068% | 3/XX/2020 | 636 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; WVOE - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2017<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506 or 4506-T - 2019<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - 2017 | Full Documentation (F) | Full |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9077.50 |  | 3.710% | $0.00 | 2.4 |  |  |  | N/A | No | 9.250% | 3 | 1 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 5/XX/2050 | $124681.75 | 32.480% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.92 |  |  | No |  | $0.00 | $5000.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 53389546 | Higher Priced QM |  |  |  | Yes | No | $6130.04 | $2576.63 |  | XX.XX% | $XXX | $XXX | 6.625% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9501.16 | 1 | $1672.44 | $926.16 | $139.37 | $77.18 |  |  |  |  |  | 24.581% | 24.581% | 24.581% | 1/XX/2020 | 652 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2020<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2019<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2019 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; 4506 or 4506-T - 2016 | Full Documentation (F) | Full |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6130.04 |  | 3.660% | $0.00 | 2.4 |  |  |  | N/A | No | 6.625% | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 5/XX/2050 | $29795.15 |  |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.31 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50839803 | Non QM |  |  |  | Yes | No | $3361.80 | $4448.78 |  | XX.XX% | $XXX | $XXX | 5.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4643.31 | 1 | $995.52 | $333.96 | $82.96 | $27.83 |  |  |  |  |  | 46.501% | 46.501% | 46.501% | 1/XX/2020 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2020 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3361.80 |  | 3.420% | $8998.00 | 1.3 |  |  |  | N/A | No | 5.500% | 0 |  | 2 | 0 | 2 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 4/XX/2050 | $171350.05 | 38.090% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.84 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 54855205 | Non QM |  |  |  | Yes | No | $5108.06 | $8465.05 |  | XX.XX% | $XXX | $XXX | 5.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11027.96 | 1 | $15120.00 | $935.04 | $1260.00 | $77.92 |  |  |  |  |  | 44.868% | 44.868% | 44.868% | 3/XX/2020 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2020<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2020<br> [Coborrower(s) - \| Non-Primary Income - Wages]; WVOE - 2020<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2018<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2018 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; 4506 or 4506-T - 2016<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5108.06 |  | 3.420% | $0.00 | 2.0 |  |  |  | N/A | No | 5.250% | 1 | 2 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 5/XX/2050 | $219096.75 | 23.720% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.18 |  |  | No |  | $0.00 | $7916.75 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 52454811 | Higher Priced QM |  |  |  | Yes | No | $13230.00 | $14307.49 |  | XX.XX% | $XXX | $XXX | 5.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19515.72 | 1 | $19532.40 | $2475.00 | $1627.70 | $206.25 |  |  |  |  |  | 38.395% | 38.395% | 38.395% | 2/XX/2020 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - C-Corp]; Balance Sheet - 2020<br> [Borrower - \| Non-Primary Income - C-Corp]; Business License - 2020<br> [Borrower - \| Non-Primary Income - C-Corp]; P&L Statement - 2020<br> [Borrower - \| Non-Primary Income - C-Corp]; Paystubs - 2020<br> [Borrower - \| Non-Primary Income - C-Corp]; Third Party Verification - 2020<br> [Borrower - \| Non-Primary Income - C-Corp]; 1120 - 2019<br> [Borrower - \| Non-Primary Income - C-Corp]; 4506 or 4506-T (for Business) - 2019<br> [Borrower - \| Non-Primary Income - C-Corp]; Business Return Transcripts - 2019<br> [Borrower - \| Non-Primary Income - C-Corp]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - C-Corp]; 1120 - 2018<br> [Borrower - \| Non-Primary Income - C-Corp]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Non-Primary Income - C-Corp]; Business Return Transcripts - 2018<br> [Borrower - \| Non-Primary Income - C-Corp]; 4506 or 4506-T (for Business) - 2017<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; WVOE - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018 | [Borrower]; 1040 - 2019<br> [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $13230.00 |  | 3.550% | $25000.00 | 1.2 |  |  |  | N/A | No | 5.250% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 5/XX/2050 | $276410.82 | 15.700% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac Advanced | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.57 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 50269951 | Non QM |  |  |  | Yes | No | $1737.16 | $4197.82 |  | XX.XX% | $XXX | $XXX | 7.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6228.26 | 1 | $10232.28 | $1149.96 | $852.69 | $95.83 |  |  |  |  |  | 48.064% | 48.064% | 48.064% | 1/XX/2020 | 619 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; WVOE - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2020<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2020<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2017 | [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1737.16 |  | 3.350% | $0.00 | 2.0 |  |  |  | N/A | No | 7.875% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 4/XX/2050 | $362847.35 | 40.890% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.61 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 51354953 | Non QM |  |  |  | Yes | No | $36263.75 | $39734.42 |  | XX.XX% | $XXX | $XXX | 4.250% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $10876.67 | 1 | $13175.04 | $197.04 | $1097.92 | $16.42 |  |  |  |  |  | 43.741% | 43.741% | 43.741% | 4/XX/2020 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $36263.75 |  | 3.510% | $50000.00 | 3.0 |  |  |  | N/A | No | 4.250% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 6/XX/2050 | $371901.99 | 22.050% |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 9.16 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 57432930 | Non QM |  |  |  | Yes | No | $2716.80 | $3582.72 |  | XX.XX% | $XXX | $XXX | 5.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2354.18 | 1 | $5372.76 | $329.04 | $447.73 | $27.42 |  |  |  |  |  | 44.564% | 44.564% | 44.564% | 5/XX/2020 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020 | [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full |  |  |  | 1 |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 |  |  | XXX | $2716.80 |  | 3.300% | $43000.00 | 2.1 |  |  |  | N/A | No | 5.375% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 6/XX/2050 | $45260.65 | 17.740% |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Other | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.4 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |

---

## Exhibit 99.1

---

| |
|:---|
| ![](situs_logo.jpg) |
| **Business Purpose**  |
| **Run Date - 11/14/2025 4:32:24 PM**  |

---

```
<pre>

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  PRIOR PRIOR PRIOR PRIOR PRIOR PRIOR                                                                                                     BORROWER                                                                                                                                                                                                                                                             BORROWER                                                                                                                                                                                    BORROWER                                                                                                                                                    BORROWER                                                                                                                                                                            GUARANTOR                                                                                                                                                                                                                                                                                                               GUARANTOR                                                                                                                                                                                                                                             GUARANTOR                                                                                                                                                                                                                 GUARANTOR                                                                                                                                                                                                            MEMBER                                                                                                                            MEMBER
                                                                                                                                               RENTAL                                                                                                                                                                                    THIRD                                                             THIRD                                               THIRD                                               THIRD                                               THIRD                                              THIRD                                              THIRD                                              THIRD                                              THIRD                                              THIRD                                                                                                                                                                                                                                                                MONTHS MTG   MTG   MTG   MTG   MTG   MTG                                                                                                       1                                                                                                                                                                                                                                                                    2                                                                                                                                                                                           3                                                                                                                                                           4                                                                                                                                                                                   1                                                                                                                                                                                                                                                                                                                       2                                                                                                                                                                                                                                                     3                                                                                                                                                                                                                         4                                                                                                                                                                                                                    1                                                                                                                                 2
                                                                                                                                               INCOME      RENTAL                                                                                                                 LEASE                                        ACTUAL    PARTY      LEASE                                        ACTUAL    PARTY     LEASE                              ACTUAL PARTY     LEASE                              ACTUAL PARTY     LEASE                              ACTUAL PARTY    LEASE                              ACTUAL PARTY    LEASE                              ACTUAL PARTY    LEASE                              ACTUAL PARTY    LEASE                              ACTUAL PARTY    LEASE                              ACTUAL PARTY                                                                                                       NUMBER                                                                                                                                                   SHORT  RENT  RENT  RENT  RENT  RENT  RENT                                                                          BORROWER                    DOCUMENTATION                                                                                           BORROWER                     BORROWER                  BORROWER                                                                       BORROWER               DOCUMENTATION                                                                 BORROWER            BORROWER              BORROWER                                     BORROWER               DOCUMENTATION                                         BORROWER          BORROWER            BORROWER                                 BORROWER               DOCUMENTATION                                         BORROWER          BORROWER            BORROWER                                                         GUARANTOR              DOCUMENTATION                                                                                                                                                   GUARANTOR                     GUARANTOR             GUARANTOR                  GUARANTOR                                         GUARANTOR              DOCUMENTATION                                                                                          GUARANTOR            GUARANTOR             GUARANTOR                  GUARANTOR                                         GUARANTOR              DOCUMENTATION                                                                                GUARANTOR           GUARANTOR            GUARANTOR  GUARANTOR                                         GUARANTOR              DOCUMENTATION                                                                                GUARANTOR           GUARANTOR            GUARANTOR  GUARANTOR                                                           DOCUMENTATION                 MEMBER           MEMBER             MEMBER                                                          DOCUMENTATION                 MEMBER           MEMBER             MEMBER                                                                                                                                                                                                                    INVESTMENT
                                                                                                 EXECUTED                      THIRD           USED        SOURCE                                                                                                                 IN    LEASE      LEASE      ORIGINAL         IN        MARKET     IN    LEASE      LEASE      ORIGINAL         IN        MARKET    IN    LEASE LEASE ORIGINAL         IN     MARKET    IN    LEASE LEASE ORIGINAL         IN     MARKET    IN    LEASE LEASE ORIGINAL         IN     MARKET   IN    LEASE LEASE ORIGINAL         IN     MARKET   IN    LEASE LEASE ORIGINAL         IN     MARKET   IN    LEASE LEASE ORIGINAL         IN     MARKET   IN    LEASE LEASE ORIGINAL         IN     MARKET   IN    LEASE LEASE ORIGINAL         IN     MARKET                                                                                                      OF                    FOREIGN                                              NUMBER                                           MONTHS                       SALE   LATE  LATE  LATE  LATE  LATE  LATE                                                                          1                           USED                                             BORROWER                           BORROWER            1                            1                         1                                                                              2                      USED                   BORROWER                           BORROWER            2                   2                     2                                            3                      USED                   BORROWER     BORROWER          3                 3                   3                                        4                      USED                   BORROWER     BORROWER          4                 4                   4                                        GUARANTOR               1                      USED                    GUARANTOR                          GUARANTOR                          GUARANTOR                          GUARANTOR GUARANTOR            1                             1                     1                          1                             GUARANTOR           2                      USED                    GUARANTOR    GUARANTOR             GUARANTOR    GUARANTOR GUARANTOR            2                    2                     2                          2                             GUARANTOR           3                      USED                    GUARANTOR    GUARANTOR    GUARANTOR    GUARANTOR GUARANTOR           3                   3                    3          3                             GUARANTOR           4                      USED                    GUARANTOR    GUARANTOR    GUARANTOR    GUARANTOR GUARANTOR           4                   4                    4          4         AUTHORIZED AUTHORIZED AUTHORIZED AUTHORIZED               USED          MEMBER          1                1                  1          MEMBER       MEMBER       MEMBER                     USED          MEMBER          2                2                  2          MEMBER       MEMBER       MEMBER                            QUALIFYING                                                                                                                                           PROPERTY
                                                                                                 NOO      LEASE         ACTUAL PARTY    THIRD  FOR         FOR                                                                                                                    PLACE START      END        LEASE    RENTAL  PLACE     RENT       PLACE START      END        LEASE    RENTAL  PLACE     RENT      PLACE START END   LEASE    RENTAL  PLACE  RENT      PLACE START END   LEASE    RENTAL  PLACE  RENT      PLACE START END   LEASE    RENTAL  PLACE  RENT     PLACE START END   LEASE    RENTAL  PLACE  RENT     PLACE START END   LEASE    RENTAL  PLACE  RENT     PLACE START END   LEASE    RENTAL  PLACE  RENT     PLACE START END   LEASE    RENTAL  PLACE  RENT     PLACE START END   LEASE    RENTAL  PLACE  RENT                      RENT      HOA                                                                     MORTGAGED             NATIONAL      FOREIGN  FOREIGN                       OF                        CO                     BANKRUPTCY MONTHS     MONTHS OR     30D   60D   90D   30D   60D   90D                                              BORROWER   BORROWER BORROWER NUMBER                      TO            BORROWER                           1                                  1          BORROWER EXPERIAN            BORROWER EQUIFAX        BORROWER   TRANSUNION                                        BORROWER   BORROWER BORROWER NUMBER                 TO            BORROWER 2                                  2          BORROWER EXPERIAN   BORROWER EQUIFAX    BORROWER   TRANSUNION                 BORROWER BORROWER NUMBER                 TO            BORROWER 3            3        BORROWER EXPERIAN BORROWER EQUIFAX  BORROWER   TRANSUNION             BORROWER BORROWER NUMBER                 TO            BORROWER 4            4        BORROWER EXPERIAN BORROWER EQUIFAX  BORROWER   TRANSUNION           GUARANTOR GUARANTOR 1         GUARANTOR     NUMBER                 TO            GUARANTOR 1                                  1                                  1                                  1         1          GUARANTOR EXPERIAN            GUARANTOR EQUIFAX    GUARANTOR  TRANSUNION                 MOST      GUARANTOR GUARANTOR 2         GUARANTOR NUMBER                 TO            GUARANTOR 2            2                     2            2         2          GUARANTOR EXPERIAN   GUARANTOR EQUIFAX    GUARANTOR  TRANSUNION                 MOST      GUARANTOR GUARANTOR 3         GUARANTOR NUMBER                 TO            GUARANTOR 3            3            3            3         3         GUARANTOR EXPERIAN  GUARANTOR EQUIFAX   GUARANTOR  TRANSUNION MOST      GUARANTOR GUARANTOR 4         GUARANTOR NUMBER                 TO            GUARANTOR 4            4            4            4         4         GUARANTOR EXPERIAN  GUARANTOR EQUIFAX   GUARANTOR  TRANSUNION MOST      SIGNOR     SIGNOR     SIGNOR     SIGNOR     MEMBER MEMBER TO            1      MEMBER   EXPERIAN MEMBER  EQUIFAX MEMBER     TRANSUNION 1            1            1            MEMBER MEMBER TO            2      MEMBER   EXPERIAN MEMBER  EQUIFAX MEMBER     TRANSUNION 2            2            2                                 HOME                                                                                                             MARKETING                           ORIGINAL               AFTER                                 LOAN                                        GUARANTOR GUARANTOR GUARANTOR GUARANTOR
SITUSAMC   CUSTOMER   SELLER     INVESTOR   UNIQUE                                       LOAN    DOCS     IN            IN     MARKET   PARTY  PROPERTY    PROPERTY                  CALCULATED          INVESTOR         NET       TOTAL                          LEASE ORIGINAL FLAG  DATE       DATE       TERM     PURPOSE RENT      ESTIMATE   FLAG  DATE       DATE       TERM     PURPOSE RENT      ESTIMATE  FLAG  DATE  DATE  TERM     PURPOSE RENT   ESTIMATE  FLAG  DATE  DATE  TERM     PURPOSE RENT   ESTIMATE  FLAG  DATE  DATE  TERM     PURPOSE RENT   ESTIMATE FLAG  DATE  DATE  TERM     PURPOSE RENT   ESTIMATE FLAG  DATE  DATE  TERM     PURPOSE RENT   ESTIMATE FLAG  DATE  DATE  TERM     PURPOSE RENT   ESTIMATE FLAG  DATE  DATE  TERM     PURPOSE RENT   ESTIMATE FLAG  DATE  DATE  TERM     PURPOSE RENT   ESTIMATE RENT             LOSS      MONTHLY MONTHLY   MONTHLY                                      BLANKET  PROPERTIES NUMBER     ALTERNATIVE   NATIONAL NATIONAL                      YEARS    BORROWER         BORROWER    QUALIFYING 7          BANKRUPTCY DEED   PRE    IN    IN    IN    IN    IN    IN                    BORROWER   BORROWER        1          1        1        OF         BORROWER         DETERMINE     1                                  ASSET                              CREDIT     1        FICO                1        FICO           1          FICO                       BORROWER   BORROWER    2          2        2        OF         BORROWER    DETERMINE     2        ASSET                              CREDIT     2        FICO       2        FICO       2          FICO       BORROWER        3        3        OF         BORROWER    DETERMINE     3        ASSET        CREDIT   3        FICO     3        FICO     3          FICO       BORROWER    4        4        OF         BORROWER    DETERMINE     4        ASSET        CREDIT   4        FICO     4        FICO     4          FICO                 1         1         BUSINESS  1             OF         GUARANTOR   DETERMINE     1         ASSET                              EMPLOYMENT                         INCOME                             FICO      CREDIT     1         FICO                1         FICO       1          FICO                       RECENT    2         2         BUSINESS  2         OF         GUARANTOR   DETERMINE     2         ASSET        EMPLOYMENT            INCOME       FICO      CREDIT     2         FICO       2         FICO       2          FICO                       RECENT    3         3         BUSINESS  3         OF         GUARANTOR   DETERMINE     3         ASSET        EMPLOYMENT   INCOME       FICO      CREDIT    3         FICO      3         FICO      3          FICO       RECENT    4         4         BUSINESS  4         OF         GUARANTOR   DETERMINE     4         ASSET        EMPLOYMENT   INCOME       FICO      CREDIT    4         FICO      4         FICO      4          FICO       RECENT    1          1          2          2          1      1      DETERMINE     CREDIT 1        FICO     1       FICO    1          FICO       ASSET        EMPLOYMENT   INCOME       2      2      DETERMINE     CREDIT 2        FICO     2       FICO    2          FICO       ASSET        EMPLOYMENT   INCOME       LOAN        SALES    VALUE      NUMBER       TOTAL NUMBER   NUMBER                                     EFFECTIVE              REPAIRS       AND                     CAP         AS    AS  AFTER REPAIR    LOAN ORIGINAL                  TO           INVESTMENT HAS      INTEREST 1         2         3         4
LOAN       LOAN       LOAN       LOAN       LOAN     SELLER ORIGINATOR GUIDELINE LOAN    PROGRAM IN       PLACE RENTAL  PLACE  RENT     RENT   DSCR        DTI                       MONTHLY    PROPERTY DTI      INVERSE OPERATING DEBT          TOTAL            END   LEASE    UNIT  UNIT       UNIT       UNIT     UNIT    UNIT      UNIT       UNIT  UNIT       UNIT       UNIT     UNIT    UNIT      UNIT      UNIT  UNIT  UNIT  UNIT     UNIT    UNIT   UNIT      UNIT  UNIT  UNIT  UNIT     UNIT    UNIT   UNIT      UNIT  UNIT  UNIT  UNIT     UNIT    UNIT   UNIT     UNIT  UNIT  UNIT  UNIT     UNIT    UNIT   UNIT     UNIT  UNIT  UNIT  UNIT     UNIT    UNIT   UNIT     UNIT  UNIT  UNIT  UNIT     UNIT    UNIT   UNIT     UNIT  UNIT  UNIT  UNIT     UNIT    UNIT   UNIT     UNIT  UNIT  UNIT  UNIT     UNIT    UNIT   UNIT     LOSS        INSURANCE HOA  PREMIUM PROPERTY  INSURANCE ASSET                              MORTGAGE WITH       OF         CREDIT        BORROWER BORROWER INVESTOR             PROPERTY RESIDENCY        RESIDENCY   CREDIT     11         13         IN     FC     12M   12M   12M   24M   24M   24M   SECTION STREET  1          1               EMPLOYMENT FIRST    LAST     MORTGAGED  1                LEGAL         COUNTRY                            VERIFICATION                       ORDER      EXPERIAN MODEL               EQUIFAX  MODEL          TRANSUNION MODEL                      2          2           EMPLOYMENT FIRST    LAST     MORTGAGED  2           LEGAL         COUNTRY  VERIFICATION                       ORDER      EXPERIAN MODEL      EQUIFAX  MODEL      TRANSUNION MODEL      3               FIRST    LAST     MORTGAGED  3           LEGAL         COUNTRY  VERIFICATION ORDER    EXPERIAN MODEL    EQUIFAX  MODEL    TRANSUNION MODEL      4           FIRST    LAST     MORTGAGED  4           LEGAL         COUNTRY  VERIFICATION ORDER    EXPERIAN MODEL    EQUIFAX  MODEL    TRANSUNION MODEL      PERSONAL  FIRST     LAST      OWNERSHIP RECOURSE      MORTGAGED  1           LEGAL         COUNTRY   VERIFICATION                       VERIFICATION                       VERIFICATION                       MODEL     ORDER      EXPERIAN  MODEL               EQUIFAX   MODEL      TRANSUNION MODEL                      FICO      FIRST     LAST      OWNERSHIP RECOURSE  MORTGAGED  2           LEGAL         COUNTRY   VERIFICATION VERIFICATION          VERIFICATION MODEL     ORDER      EXPERIAN  MODEL      EQUIFAX   MODEL      TRANSUNION MODEL                      FICO      FIRST     LAST      OWNERSHIP RECOURSE  MORTGAGED  3           LEGAL         COUNTRY   VERIFICATION VERIFICATION VERIFICATION MODEL     ORDER     EXPERIAN  MODEL     EQUIFAX   MODEL     TRANSUNION MODEL      FICO      FIRST     LAST      OWNERSHIP RECOURSE  MORTGAGED  4           LEGAL         COUNTRY   VERIFICATION VERIFICATION VERIFICATION MODEL     ORDER     EXPERIAN  MODEL     EQUIFAX   MODEL     TRANSUNION MODEL      FICO      FIRST      LAST       FIRST      LAST       FIRST  LAST   LEGAL         ORDER  EXPERIAN MODEL    EQUIFAX MODEL   TRANSUNION MODEL      VERIFICATION VERIFICATION VERIFICATION FIRST  LAST   LEGAL         ORDER  EXPERIAN MODEL    EQUIFAX MODEL   TRANSUNION MODEL      VERIFICATION VERIFICATION VERIFICATION APPLICATION CONTRACT FOR        OF     YEAR  SQ    OF       OF        PROPERTY  ACQUISITION RENOVATION     GROSS TURNOVER         AND   LEASING           OTHER      EX         IS    IS REPAIR  VALUE      TO    SALES ASSIGNMENT PURCHASE SBC       PROPERTY   DUTCH    RESERVES ITIN      ITIN      ITIN      ITIN
ID         ID         ID         NUMBER     ID       NAME   NAME       AUTHOR    PROGRAM DATE    FILE     FLAG  PURPOSE RENT   ESTIMATE SOURCE CALCULATION CALCULATION               DEBT       DTI               DSCR    INCOME    SERVICE DSCR  DSCR  PITIA      DATE  TERM     1     1          1          1        1       1         1          2     2          2          2        2       2         2         3     3     3     3        3       3      3         4     4     4     4        4       4      4         5     5     5     5        5       5      5        6     6     6     6        6       6      6        7     7     7     7        7       7      7        8     8     8     8        8       8      8        9     9     9     9        9       9      9        10    10    10    10       10      10     10       INSURANCE      AMOUNT FLAG AMOUNT  TAX       COST      VERIFICATION                       FLAG     LENDER     PROPERTIES DOCUMENTATION 1        2        TYPE                 OWNED    STATUS           STATUS      SCORE                            LIEU                                              8       ADDRESS TYPE       DESIGNATION     STATUS     NAME     NAME     PROPERTIES CITIZENSHIP      RESIDENCY     NAME                               LEVEL                              DATE       FICO     USED                FICO     USED           FICO       USED                       TYPE       DESIGNATION STATUS     NAME     NAME     PROPERTIES CITIZENSHIP RESIDENCY     NAME     LEVEL                              DATE       FICO     USED       FICO     USED       FICO       USED       DESIGNATION     NAME     NAME     PROPERTIES CITIZENSHIP RESIDENCY     NAME     LEVEL        DATE     FICO     USED     FICO     USED     FICO       USED       DESIGNATION NAME     NAME     PROPERTIES CITIZENSHIP RESIDENCY     NAME     LEVEL        DATE     FICO     USED     FICO     USED     FICO       USED       GUARANTEE NAME      NAME      PERCENT   TYPE          PROPERTIES CITIZENSHIP RESIDENCY     NAME      LEVEL                              LEVEL                              LEVEL                              USED      DATE       FICO      USED                FICO      USED       FICO       USED                       METHOD    NAME      NAME      PERCENT   TYPE      PROPERTIES CITIZENSHIP RESIDENCY     NAME      LEVEL        LEVEL                 LEVEL        USED      DATE       FICO      USED       FICO      USED       FICO       USED                       METHOD    NAME      NAME      PERCENT   TYPE      PROPERTIES CITIZENSHIP RESIDENCY     NAME      LEVEL        LEVEL        LEVEL        USED      DATE      FICO      USED      FICO      USED      FICO       USED       METHOD    NAME      NAME      PERCENT   TYPE      PROPERTIES CITIZENSHIP RESIDENCY     NAME      LEVEL        LEVEL        LEVEL        USED      DATE      FICO      USED      FICO      USED      FICO       USED       METHOD    NAME       NAME       NAME       NAME       NAME   NAME   RESIDENCY     DATE   FICO     USED     FICO    USED    FICO       USED       LEVEL        LEVEL        LEVEL        NAME   NAME   RESIDENCY     DATE   FICO     USED     FICO    USED    FICO       USED       LEVEL        LEVEL        LEVEL        DATE        DATE     LTV        UNITS  BUILT FT    BEDROOMS BATHROOMS CONDITION        COST       COST    INCOME    COSTS MAINTENANCE     COSTS UTILITIES COSTS RESERVE        LTV VALUE  VALUE    LTV    COST    PRICE        FEE    PRICE OCCUPANCY TYPE       INTEREST ESCROWED FLAG      FLAG      FLAG      FLAG
[redacted] [redacted] [redacted] [redacted] 58830311                                             Yes      No                                     $1,829.27 Multiple Sources           $1,236.17          0.000000    0.68                    1.48  1.48  $1,606.90                No                                                      $1,500.00 No                                                       $700.00                                                                                                                                                                                                                                                                                                                                                                                                                           Yes        $32,140.00                $297.98    $72.75 Level 4-Stated/Verified as defined No                1          6 No            No       No       Experienced Investor          US Citizen       US Citizen         682                                         0     0     0     0     0     0                 Individual Individual                                            5 US Citizen                                                        Level 4-Stated/Verified as defined 9/XX/2021       682 Fair Isaac               678 Beacon 5.0            693 FICO Risk Score Classic 04 Individual Individual                                        5 US Citizen                         Level 4-Stated/Verified as defined 9/XX/2021       668 Fair Isaac      691 Beacon 5.0        703 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                             No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            2                                Good                                                                                                 73.338%  $XXX                0.749%                      74.870%
[redacted] [redacted] [redacted] [redacted] 53573755                                             Yes      Yes                                    $2,380.34 Multiple Sources           $2,037.76          0.000000    0.86                    1.17  1.17  $2,143.41                Yes   9/XX/2021   9/XX/2022       12         $3,000.00  $3,100.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            No                                   $552.08    $67.58 Level 4-Stated/Verified as defined No                1          7 No            No       No       Experienced Investor          US Citizen       US Citizen         755                                         0     0     0     0     0     0                 Individual Individual                                            2 US Citizen                                                        Level 4-Stated/Verified as defined 9/XX/2021       811 Fair Isaac               805 Beacon 5.0            797 FICO Risk Score Classic 04 Individual Individual                                        3 US Citizen                         Level 4-Stated/Verified as defined 9/XX/2021       755 Fair Isaac      747 Beacon 5.0        763 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                             No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C2                                                                                                   72.936%  $XXX                0.750%                      75.000%
[redacted] [redacted] [redacted] [redacted] 50409521                                             Yes      No                                     $1,146.37 Multiple Sources           $1,009.13          0.000000    0.88                    1.14  1.14  $1,462.76                No                                                      $1,600.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            No                                   $228.63     $0.00 Level 4-Stated/Verified as defined No                1          2 No            No                Experienced Investor          US Citizen                          809                                         0     0     0     0     0     0                 Individual Individual                                            2 US Citizen                                                        Level 4-Stated/Verified as defined 11/XX/2021      810 Fair Isaac               809 Beacon 5.0            796 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   79.200%  $XXX                0.792%                      79.200%
[redacted] [redacted] [redacted] [redacted] 50377677                                             Yes      No                                     $2,040.26 Multiple Sources           $1,743.51          0.000000    0.85                    1.17  1.17  $2,703.25                No                                                      $3,000.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes        $42,000.00                $692.24   $215.58 Level 4-Stated/Verified as defined No                1          2 No            No                Experienced Investor          US Citizen                          716                                         0     0     0     0     0     0                 Individual Individual                                            1 US Citizen                                                        Level 4-Stated/Verified as defined 10/XX/2021      716 Fair Isaac               700 Beacon 5.0            723 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   80.000%  $XXX                0.800%                      80.000%
[redacted] [redacted] [redacted] [redacted] 51840239                                             Yes      No                                     $3,676.89 Multiple Sources           $2,165.66          0.000000    0.59                    1.70   1.7  $3,338.77                No                                                      $4,850.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes        $83,300.00              $1,055.28   $117.83 Level 4-Stated/Verified as defined No                1          1 No            No                Experienced Investor          US Citizen                          792                                         0     0     0     0     0     0                 Individual Individual                                            2 US Citizen                                                        Level 4-Stated/Verified as defined 11/XX/2021      792 Fair Isaac               799 Beacon 5.0            775 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   56.338%  $XXX                0.667%                      66.667%
[redacted] [redacted] [redacted] [redacted] 53084867                                             Yes      No                                     $2,383.60 Multiple Sources           $2,019.77          0.000000    0.85                    1.18  1.18  $3,886.17                No                                                      $4,250.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes        $85,000.00              $1,766.73    $99.67 Level 4-Stated/Verified as defined No                1          0 No            No                First-Time Investor           US Citizen                          703                                         0     0     0     0     0     0                 Individual Individual                                            1 US Citizen                                                        Level 4-Stated/Verified as defined 10/XX/2021      715 Fair Isaac               692 Beacon 5.0            703 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   72.941%  $XXX                0.800%                      80.000%
[redacted] [redacted] [redacted] [redacted] 53629977                                             Yes      No                                     $1,993.94 Multiple Sources           $1,497.63          0.000000    0.75                    1.33  1.33  $2,003.69                No                                                      $2,500.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes        $79,000.00                $390.31    $74.08 Level 4-Stated/Verified as defined No                1          1 No            No                First-Time Investor           Permanent Resident Alien            749                                         0     0     0     0     0     0                 Individual Individual                                            1 Permanent Resident Alien                                          Level 4-Stated/Verified as defined 11/XX/2021      761 Fair Isaac               725 Beacon 5.0            749 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C4                                                                                                   77.227%  $XXX                0.800%                      80.000%
[redacted] [redacted] [redacted] [redacted] 55373509                                             Yes      No                                     $1,527.83 Multiple Sources           $1,091.95          0.000000    0.71                    1.40   1.4  $1,664.12                No                                                      $2,100.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes        $61,060.00                $333.50   $111.67 Level 4-Stated/Verified as defined No                1          3 No                              Experienced Investor    15.67                                     750                                         0     0     0     0     0     0                 LLC        Business Entity                                       1                                                                   Level 4-Stated/Verified as defined                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 Yes                                                            2 US Citizen                          Level 1-Not Stated/Not Verified                                                                          Classic   11/XX/2021       761 Fair Isaac                724 Beacon 5.0        750 FICO Risk Score Classic 04         3                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                $XXX            1                                C3                                                                                                   60.858%  $XXX
[redacted] [redacted] [redacted] [redacted] 59013026                                             Yes      Yes                                    $1,439.68 Multiple Sources           $1,214.33          0.000000    0.84                    1.19  1.19  $1,474.65                Yes   5/XX/2018   5/XX/2019       12         $1,700.00  $1,700.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes        $26,250.00                $200.90    $59.42 Level 4-Stated/Verified as defined No                1          6 No                     No       Experienced Investor     5.03                  US Citizen         711                                         0     0     0     0     0     0                 Corp       Business Entity                                       1                                                                   Level 4-Stated/Verified as defined                                                                                                       Individual Shareholder                                       1 US Citizen                         Level 4-Stated/Verified as defined 9/XX/2021       700 Fair Isaac      713 Beacon 5.0        711 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                             No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   70.000%  $XXX
[redacted] [redacted] [redacted] [redacted] 59372034                                             Yes      Yes                                    $3,241.09 Multiple Sources           $2,380.07          0.000000    0.73                    1.36  1.36  $3,863.98                No                                                      $1,175.00 Yes    9/XX/2020  8/XX/2021       11         $1,250.00 $1,250.00    No                                     $1,225.00    No                                     $1,075.00                                                                                                                                                                                                                                                                                                                   N/A                                $1,111.08   $372.83 Level 1-Not Stated/Not Verified    No                1          9 No                              Experienced Investor                                              724                                         0     0     0     0     0     0                 LLC        Business Entity                                       1                                                                   Level 1-Not Stated/Not Verified                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Yes                                                            7 US Citizen                          Level 4-Stated/Verified as defined                                                                       Classic   11/XX/2021       724 Fair Isaac                724 Beacon 5.0        737 FICO Risk Score Classic 04         3                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                $XXX            4                                Average                                                                                              66.832%  $XXX                0.700%                      70.000%
[redacted] [redacted] [redacted] [redacted] 52398225                                             Yes      Yes                                    $3,657.00 Multiple Sources           $3,150.99          0.000000    0.86                    1.16  1.16  $4,193.99                Yes   2/XX/2014   2/XX/2015       12         $1,200.00  $2,300.00 No                                                     $3,500.00                                                                                                                                                                                                                                                                                                                                                                                                                           No                                   $939.58   $103.42 Level 4-Stated/Verified as defined No                1          0 No            No                Experienced Investor          Permanent Resident Alien            752                                         0     0     0     0     0     0                 Individual Individual                                            1 Permanent Resident Alien                                          Level 4-Stated/Verified as defined 10/XX/2021      751 Fair Isaac               764 Beacon 5.0            752 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            2                                Good                                                                                                 80.000%  $XXX                0.800%                      80.000%
[redacted] [redacted] [redacted] [redacted] 59501485                                             Yes      No                                     $1,947.50 Multiple Sources           $1,630.91          0.000000    0.84                    1.19  1.19  $2,283.41                No                                                      $1,400.00 No                                                     $1,200.00                                                                                                                                                                                                                                                                                                                                                                                                                           Yes        $83,400.00                $579.17    $73.33 Level 4-Stated/Verified as defined No                1          4 No            No                Experienced Investor          US Citizen                          767                                         0     0     0     0     0     0                 Individual Individual                                            3 US Citizen                                                        Level 4-Stated/Verified as defined 10/XX/2021      767 Fair Isaac               769 Beacon 5.0            745 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            2                                Average                                                                                              80.000%  $XXX                0.800%                      80.000%
[redacted] [redacted] [redacted] [redacted] 59747221                                             Yes      No                                     $1,703.30 Multiple Sources             $912.48          0.000000    0.54                    1.87  1.87  $1,609.18                No                                                      $1,300.00 No                                                     $1,100.00                                                                                                                                                                                                                                                                                                                                                                                                                           No                                   $517.12   $179.58 Level 4-Stated/Verified as defined No                1          1 No                              First-Time Investor                                               730                                         0     0     0     0     0     0                 LLC        Business Entity                                       1                                                                   Level 4-Stated/Verified as defined                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 Yes                                                            1 Permanent Resident Alien            Level 4-Stated/Verified as defined                                                                       Classic   10/XX/2021       735 Fair Isaac                730 Beacon 5.0        728 FICO Risk Score Classic 04         3                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                $XXX            2                                Good                                                                                                 80.000%  $XXX                0.800%                      80.000%
[redacted] [redacted] [redacted] [redacted] 54457658                                             Yes      Yes                                    $2,698.86 Multiple Sources           $2,224.00          0.000000    0.82                    1.21  1.21  $3,525.14                Yes   5/XX/2018  10/XX/2018        6         $2,000.00  $2,400.00 Yes   10/XX/2021  9/XX/2022       12         $2,000.00 $2,400.00                                                                                                                                                                                                                                                                                                                                                                                                                           No                                 $1,178.71   $122.43 Level 4-Stated/Verified as defined No                1          4 No            No                Experienced Investor     3.76 US Citizen                          759                                         0     0     0     0     0     0                 Individual Individual                                            4 US Citizen                                                        Level 4-Stated/Verified as defined 10/XX/2021      783 Fair Isaac               750 Beacon 5.0            759 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            2                                Average                                                                                              80.000%  $XXX
[redacted] [redacted] [redacted] [redacted] 59978508                                             Yes      No                                       $774.77 Multiple Sources             $776.93          0.000000       1                    1.00     1  $1,302.16                No                                                      $1,300.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            No                                   $384.73   $140.50 Level 4-Stated/Verified as defined No                1          2 No            No                Experienced Investor          US Citizen                          689                                         0     0     0     0     0     0                 Individual Individual                                            1 US Citizen                                                        Level 4-Stated/Verified as defined 9/XX/2021       689 Fair Isaac               682 Beacon 5.0            698 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   71.750%  $XXX                0.700%                      70.000%
[redacted] [redacted] [redacted] [redacted] 56719895                                             Yes      No                                     $1,395.38 Multiple Sources           $1,859.95          0.000000    1.33                    0.75  0.75  $3,064.57                No                                                      $2,600.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes       $120,000.00              $1,064.62   $140.00 Level 4-Stated/Verified as defined No                1          1 No            No                First-Time Investor           US Citizen                          695                                         0     0     0     0     0     0                 Individual Individual                                            1 US Citizen                                                        Level 4-Stated/Verified as defined 12/XX/2021      694 Fair Isaac               695 Beacon 5.0            699 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C4                                                                                                   64.505%  $XXX                0.645%                      64.505%
[redacted] [redacted] [redacted] [redacted] 59187077                                             Yes      Yes                                    $1,180.76 Multiple Sources             $646.11          0.000000    0.55                    1.83  1.83    $765.35                Yes   10/XX/2021 12/XX/2021        3         $1,385.00  $1,300.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes                                   $25.07    $94.17 Level 4-Stated/Verified as defined No                1          2 No            No                Experienced Investor     7.05 Permanent Resident Alien            701                                         0     0     0     0     0     0                 Individual Individual                                            1 Permanent Resident Alien                                          Level 4-Stated/Verified as defined 12/XX/2021      701 Fair Isaac               691 Beacon 5.0            702 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   66.111%  $XXX
[redacted] [redacted] [redacted] [redacted] 50585549                                             Yes      No                                                                          $2,772.06          0.000000                                        $3,315.13                No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           Yes        $30,000.00                $248.72   $294.35 Level 4-Stated/Verified as defined No                1          4 No            No                Experienced Investor     8.76 US Citizen                          789                                         0     0     0     0     0     0                 Individual Individual                                            1 US Citizen                                                        Level 4-Stated/Verified as defined 10/XX/2021      789 Fair Isaac               794 Beacon 5.0            778 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C4                                                                                                   60.000%  $XXX
[redacted] [redacted] [redacted] [redacted] 57521660                                             Yes      No                                     $4,730.22 Multiple Sources           $4,215.83          0.000000    0.89                    1.12  1.12  $4,785.61                No                                                      $5,300.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes       $200,000.00                $319.86   $249.92 Level 4-Stated/Verified as defined No                1          2 No            No                Experienced Investor          US Citizen                          778                                         0     0     0     0     0     0                 Individual Individual                                            2 US Citizen                                                        Level 4-Stated/Verified as defined 10/XX/2021      759 Fair Isaac               782 Beacon 5.0            778 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   66.892%  $XXX                0.750%                      75.000%
[redacted] [redacted] [redacted] [redacted] 50732239                                             Yes      Yes                                    $2,444.75 Multiple Sources           $2,380.76          0.000000    0.97                    1.03  1.03  $3,086.01                Yes   3/XX/2021   4/XX/2023       26         $1,600.00  $1,600.00 Yes    8/XX/2021  7/XX/2023       24         $1,550.00 $3,300.00                                                                                                                                                                                                                                                                                                                                                                                                                           No                                   $551.17   $154.08 Level 4-Stated/Verified as defined No                1          8 No            No       No       Experienced Investor     5.58 US Citizen       US Citizen         769                                         0     0     0     0     0     0                 Individual Individual                                            1 US Citizen                                                        Level 4-Stated/Verified as defined 12/XX/2021      769 Fair Isaac               761 Other                 771 FICO Risk Score Classic 04 Individual Individual                                        1 US Citizen                         Level 4-Stated/Verified as defined 12/XX/2021      772 Fair Isaac      789 Other             790 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                             No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            2                                Good                                                                                                 65.000%  $XXX
[redacted] [redacted] [redacted] [redacted] 53045206                                             Yes      No                                     $1,329.17 Multiple Sources           $1,321.08          0.000000    0.99                    1.01  1.01  $1,991.91                No                                                      $1,000.00 No                                                     $1,000.00                                                                                                                                                                                                                                                                                                                                                                                                                           Yes                                  $442.17   $228.66 Level 4-Stated/Verified as defined No                1          3 No            No                Experienced Investor          US Citizen                          724                                         0     0     0     0     0     0                 Individual Individual                                            2 US Citizen                                                        Level 4-Stated/Verified as defined 11/XX/2021      735 Fair Isaac               724 Beacon 5.0            698 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            2                                Average                                                                                              73.881%  $XXX                0.750%                      75.000%
[redacted] [redacted] [redacted] [redacted] 53780958                                             Yes      No                                     $1,530.52 Multiple Sources           $1,521.73          0.000000    0.99                    1.01  1.01  $1,741.21                No                                                      $1,750.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes        $36,910.00                $153.15    $66.33 Level 4-Stated/Verified as defined No                1          2 No            No                Experienced Investor          Permanent Resident Alien            758                                         0     0     0     0     0     0                 Individual Individual                                            3 Permanent Resident Alien                                          Level 4-Stated/Verified as defined 11/XX/2021      710 Fair Isaac               758 Beacon 5.0            759 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   75.000%  $XXX                0.730%                      73.040%
[redacted] [redacted] [redacted] [redacted] 59043457                                             Yes      No                                     $2,153.94 Multiple Sources           $1,400.35          0.000000    0.65                    1.54  1.54  $1,682.41                No                                                      $2,436.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes                                  $215.39    $66.67 Level 4-Stated/Verified as defined No                1          1 No            No                Experienced Investor          US Citizen                          739                                         0     0     0     0     0     0                 Individual Individual                                            2 US Citizen                                                        Level 4-Stated/Verified as defined 10/XX/2021      729 Fair Isaac               739 Beacon 5.0            742 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   74.030%  $XXX                0.800%                      80.000%
[redacted] [redacted] [redacted] [redacted] 57501269                                             Yes      Yes                                    $1,722.74 Multiple Sources           $1,057.81          0.000000    0.61                    1.63  1.63  $1,395.07                Yes   7/XX/2021   6/XX/2022       12         $2,060.00  $2,200.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes        $28,620.00                $207.18   $130.08 Level 4-Stated/Verified as defined No                1          2 No                              Experienced Investor     1.19                                     776                                         0     0     0     0     0     0                 LLC        Business Entity                                       1                                                                   Level 4-Stated/Verified as defined                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 Yes                             100.00% Full Recourse          2 US Citizen                          Level 1-Not Stated/Not Verified                                                                          Classic   12/XX/2021       783 Fair Isaac                776 Beacon 5.0        761 FICO Risk Score Classic 04         3                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                $XXX            1                                C3                                                                                                   64.615%  $XXX                           $XXX
[redacted] [redacted] [redacted] [redacted] 55446608                                             Yes      No                                     $1,584.16 Multiple Sources           $1,388.58          0.000000    0.88                    1.14  1.14  $1,604.42                No                                                      $1,800.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes                                   $81.84    $43.00 Level 4-Stated/Verified as defined No                1          1 No            No                First-Time Investor           US Citizen                          784                                         0     0     0     0     0     0                 Individual Individual                                            2 US Citizen                                                        Level 4-Stated/Verified as defined 11/XX/2021      794 Fair Isaac               781 Beacon 5.0            784 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   77.470%  $XXX                0.800%                      80.000%
[redacted] [redacted] [redacted] [redacted] 54600471                                             Yes      Yes                                    $2,121.70 Multiple Sources           $1,326.39          0.000000    0.63                    1.60   1.6  $1,699.69                Yes   6/XX/2021   6/XX/2022       12         $1,220.00  $1,400.00 Yes   11/XX/2021 11/XX/2022       12         $1,275.00 $1,400.00                                                                                                                                                                                                                                                                                                                                                                                                                           No                                   $246.63   $126.67 Level 4-Stated/Verified as defined No                1          3 No            No                Experienced Investor     1.53 US Citizen                          795                                         0     0     0     0     0     0                 Individual Individual                                            3 US Citizen                                                        Level 4-Stated/Verified as defined 10/XX/2021      784 Fair Isaac               795 Beacon 5.0            801 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            2                                Good                                                                                                 75.000%  $XXX
[redacted] [redacted] [redacted] [redacted] 52322231                                             Yes      No                                     $1,818.01 Multiple Sources           $1,631.80          0.000000     0.9                    1.11  1.11  $2,213.79                No                                                      $2,400.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes        $60,000.00                $461.49   $120.50 Level 4-Stated/Verified as defined No                1          1 No            No                Experienced Investor          US Citizen                          762                                         0     0     0     0     0     0                 Individual Individual                                            2 US Citizen                                                        Level 4-Stated/Verified as defined 12/XX/2021      762 Fair Isaac               739 Beacon 5.0            797 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   85.000%  $XXX                0.828%                      82.821%
[redacted] [redacted] [redacted] [redacted] 58712324                                             Yes      Yes                                    $1,181.25 Multiple Sources           $1,043.20          0.000000    0.88                    1.13  1.13  $1,386.95                Yes   12/XX/2021  4/XX/2022        5         $1,525.00  $1,525.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes                                  $285.92    $57.83 Level 2-Stated/Not Verified        No                1          7 No                              Experienced Investor     4.97                                     759                                         0     0     0     0     0     0                 LLC        Business Entity                                       1                                                                   Level 2-Stated/Not Verified                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Yes                                                            1 US Citizen                          Level 4-Stated/Verified as defined                                                                       Classic   10/XX/2021       799 Fair Isaac                759 Beacon 5.0        756 FICO Risk Score Classic 04         3                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                $XXX            1                                C3                                                                                                   80.000%  $XXX                1.352%     $XXX
[redacted] [redacted] [redacted] [redacted] 53340969                                             Yes      No                                     $2,603.52 Multiple Sources           $2,336.02          0.000000     0.9                    1.11  1.11  $3,732.50                No                                                      $2,000.00 No                                                     $2,000.00                                                                                                                                                                                                                                                                                                                                                                                                                           No                                 $1,233.34   $163.14 Level 4-Stated/Verified as defined No                1          2 No            No                First-Time Investor           US Citizen                          672                                         0     0     0     0     1     1                 Individual Individual                                            2 US Citizen                                                        Level 4-Stated/Verified as defined 11/XX/2021      656 Fair Isaac               672 Beacon 5.0            690 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            2                                Average                                                                                              73.063%  $XXX                0.720%                      72.034%
[redacted] [redacted] [redacted] [redacted] 55592595                                             Yes      Yes                                      $957.46 Multiple Sources           $1,081.64          0.000000    1.13                    0.89  0.89  $1,724.18                Yes   7/XX/2021   7/XX/2023       24         $2,200.00  $1,600.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            No                                   $231.46    $39.08 Level 4-Stated/Verified as defined No                1          7 No            No                Experienced Investor    10.92 US Citizen                          708                                         0     0     0     0     0     0                 Individual Individual                                            3 US Citizen                                                        Level 4-Stated/Verified as defined 10/XX/2021      705 Fair Isaac               708 Beacon 5.0            735 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   65.000%  $XXX
[redacted] [redacted] [redacted] [redacted] 53781784                                             Yes      No                                     $1,755.33 Multiple Sources           $1,710.00          0.000000    0.97                    1.03  1.03  $2,904.67                No                                                      $2,950.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes       $135,590.00              $1,049.75   $144.92 Level 4-Stated/Verified as defined No                1          0 No            No                First-Time Investor           Permanent Resident Alien            781                                         0     0     0     0     0     0                 Individual Individual                                            1 Permanent Resident Alien                                          Level 4-Stated/Verified as defined 9/XX/2021       781 Fair Isaac               772 Beacon 5.0            786 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   80.000%  $XXX                0.800%                      80.000%
[redacted] [redacted] [redacted] [redacted] 54549726                                             Yes      No                                     $1,307.10 Multiple Sources           $1,012.95          0.000000    0.77                    1.29  1.29  $1,505.85                No                                                      $1,800.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            No                                   $233.17    $28.73 Level 4-Stated/Verified as defined No                1          2 No            No                Experienced Investor          US Citizen                          819                                         0     0     0     0     0     0                 Individual Individual                                            1 US Citizen                                                        Level 4-Stated/Verified as defined 11/XX/2021      829 Fair Isaac               814 Beacon 5.0            819 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   75.000%  $XXX                0.750%                      75.000%
[redacted] [redacted] [redacted] [redacted] 57889468                                             Yes      Yes                                    $1,566.33 Multiple Sources             $980.80          0.000000    0.63                    1.60   1.6  $1,294.47                Yes   5/XX/2019   5/XX/2020       12         $1,300.00  $1,300.00 Yes    5/XX/2019  5/XX/2020       12           $580.00   $850.00                                                                                                                                                                                                                                                                                                                                                                                                                           Yes                                  $255.21    $58.46 Level 4-Stated/Verified as defined No                1          1 No            No                First-Time Investor           US Citizen                          689                                         0     0     0     0     0     0                 Individual Individual                                            1 US Citizen                                                        Level 4-Stated/Verified as defined 10/XX/2021      670 Fair Isaac               714 Beacon 5.0            689 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            2                                Average                                                                                              69.340%  $XXX                0.750%                      75.000%
[redacted] [redacted] [redacted] [redacted] 51054194                                             Yes      No                                       $801.59 Multiple Sources             $536.71          0.000000    0.67                    1.49  1.49    $935.12                No                                                      $1,200.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes         $2,000.00                $131.83    $86.58 Level 4-Stated/Verified as defined No                1          2 No            No                Experienced Investor          US Citizen                          739                                         0     0     0     0     0     0                 Individual Individual                                            3 US Citizen                                                        Level 4-Stated/Verified as defined 11/XX/2021      739 Fair Isaac               757 Beacon 5.0            734 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   70.000%  $XXX                0.700%                      70.000%
[redacted] [redacted] [redacted] [redacted] 55119086                                             Yes      Yes                                    $1,592.33 Multiple Sources           $1,233.37          0.000000    0.77                    1.29  1.29  $1,391.04                Yes   11/XX/2021 10/XX/2023       24         $2,500.00  $1,750.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes                                  $127.92    $29.75 Level 4-Stated/Verified as defined No                1          2 No                              Experienced Investor     0.71                                     780                                         0     0     0     0     0     0                 LLC        Business Entity                                       1                                                                   Level 4-Stated/Verified as defined                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 Yes                             100.00%                        1 US Citizen                          Level 1-Not Stated/Not Verified                                                                          Classic   12/XX/2021       780 Fair Isaac                776 Beacon 5.0        782 FICO Risk Score Classic 04         3                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                $XXX            1                                C3                                                                                                   75.000%  $XXX                1.835%     $XXX
[redacted] [redacted] [redacted] [redacted] 57084290                                             Yes      No                                     $1,717.42 Multiple Sources           $1,245.69          0.000000    0.73                    1.38  1.38  $1,578.27                No                                                      $1,025.00 No                                                     $1,025.00                                                                                                                                                                                                                                                                                                                                                                                                                           Yes        $50,000.00                $233.75    $98.83 Level 4-Stated/Verified as defined No                4          9 No            No                Experienced Investor          US Citizen                          712                                         0     0     0     0     0     0                 Individual Individual                                            8 US Citizen                                                        Level 4-Stated/Verified as defined 10/XX/2021      712 Fair Isaac               713 Beacon 5.0            708 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            2                                Average                                                                                              78.853%  $XXX                0.800%                      80.000%
[redacted] [redacted] [redacted] [redacted] 50342057                                             Yes      No                                     $4,531.60 Multiple Sources           $3,832.43          0.000000    0.85                    1.18  1.18  $4,300.83                No                                                      $2,500.00 No                                                     $2,500.00                                                                                                                                                                                                                                                                                                                                                                                                                           Yes        $50,000.00                $337.65   $130.75 Level 4-Stated/Verified as defined No                1          1 No            No                First-Time Investor           US Citizen                          715                                         0     0     0     0     0     0                 Individual Individual                                            1 US Citizen                                                        Level 4-Stated/Verified as defined 12/XX/2021      746 Fair Isaac               704 Beacon 5.0            715 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            2                                Average                                                                                              80.000%  $XXX                0.800%                      80.000%
[redacted] [redacted] [redacted] [redacted] 56360594                                             Yes      No                                     $1,397.98 Multiple Sources           $1,245.69          0.000000    0.89                    1.12  1.12  $1,597.71                No                                                        $925.00 No                                                       $825.00                                                                                                                                                                                                                                                                                                                                                                                                                           Yes        $60,000.00                $237.85   $114.17 Level 4-Stated/Verified as defined No                4          9 No            No                Experienced Investor          US Citizen                          712                                         0     0     0     0     0     0                 Individual Individual                                            8 US Citizen                                                        Level 4-Stated/Verified as defined 10/XX/2021      712 Fair Isaac               713 Beacon 5.0            708 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            2                                C4                                                                                                   79.422%  $XXX                0.800%                      80.000%
[redacted] [redacted] [redacted] [redacted] 51445789                                             Yes      No                                    $83,107.03 Multiple Sources           $1,500.73          0.000000    0.02                   55.38 55.38  $2,393.70                No                                                     $84,000.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes        $25,000.00                $407.55    $90.42 Level 4-Stated/Verified as defined No                1          1 Yes           Yes               Experienced Investor          Foreign National                      0                                         0     0     0     0     0     0                 Individual Individual                                            1 Foreign National                                                  Level 4-Stated/Verified as defined 11/XX/2021        0 Not Applicable             0 Not Applicable          0 Not Applicable                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C2                                                                                                   66.054%  $XXX                0.700%                      70.000%
[redacted] [redacted] [redacted] [redacted] 51796712                                             Yes      No                                     $1,609.91 Multiple Sources           $1,435.05          0.000000    0.89                    1.12  1.12  $2,025.14                No                                                      $2,200.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes        $96,480.00                $448.76   $141.33 Level 1-Not Stated/Not Verified    No                1          0 No                              First-Time Investor                                               783                                         0     0     0     0     0     0                 LLC        Business Entity                                       1                                                                   Level 1-Not Stated/Not Verified                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Yes                                                            1 US Citizen                          Level 4-Stated/Verified as defined                                                                       Classic   11/XX/2021       783 Fair Isaac                800 Beacon 5.0        759 FICO Risk Score Classic 04         3                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                $XXX            1                                C4                                                                                                   75.000%  $XXX                0.750%                      75.000%
[redacted] [redacted] [redacted] [redacted] 58495974                                             Yes      Yes                                    $1,266.33 Multiple Sources             $842.22          0.000000    0.67                    1.50   1.5  $1,375.89                Yes   5/XX/2021   5/XX/2022       13         $1,800.00  $1,800.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes                                  $475.00    $58.67 Level 1-Not Stated/Not Verified    No                1          5 No                              Experienced Investor     0.82                                     763                                         0     0     0     0     0     0                 LLC        Business Entity                                       1                                                                   Level 1-Not Stated/Not Verified                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Yes                                                            3 US Citizen                          Level 4-Stated/Verified as defined                                                                       Classic   10/XX/2021       775 Fair Isaac                751 Beacon 5.0        763 FICO Risk Score Classic 04         3                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                $XXX            1                                C3                                                                                                   75.000%  $XXX                1.347%     $XXX
[redacted] [redacted] [redacted] [redacted] 50145645                                             Yes      No                                     $2,092.40 Multiple Sources           $1,280.37          0.000000    0.61                    1.63  1.63  $1,737.97                No                                                        $850.00 No                                                       $850.00    No                                       $850.00                                                                                                                                                                                                                                                                                                                                                                       Yes        $79,000.00                $282.77   $174.83 Level 4-Stated/Verified as defined No                4          9 No            No                Experienced Investor          US Citizen                          712                                         0     0     0     0     0     0                 Individual Individual                                            8 US Citizen                                                        Level 4-Stated/Verified as defined 10/XX/2021      712 Fair Isaac               713 Beacon 5.0            708 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            3                                C4                                                                                                   70.740%  $XXX                0.800%                      80.000%
[redacted] [redacted] [redacted] [redacted] 51870094                                             Yes      No                                     $3,150.08 Multiple Sources           $1,341.25          0.000000    0.43                    2.35  2.35  $2,191.17                No                                                      $4,000.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes                                  $570.25   $179.67 Level 4-Stated/Verified as defined No                1          4 No            No                Experienced Investor     1.32 US Citizen                          680                                         0     0     0     0     0     0                 Individual Individual                                            2 US Citizen                                                        Level 4-Stated/Verified as defined 11/XX/2021      692 Fair Isaac               648 Beacon 5.0            680 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   45.354%  $XXX                0.510%     $XXX
[redacted] [redacted] [redacted] [redacted] 52885954                                             Yes      No                                     $2,740.35 Multiple Sources           $1,353.33          0.000000    0.49                    2.02  2.02  $2,638.98                No                                                      $1,310.00 No                                                     $1,366.00    No                                     $1,350.00                                                                                                                                                                                                                                                                                                                                                                       No                                 $1,060.81   $224.84 Level 1-Not Stated/Not Verified    No                1          2 No                              Experienced Investor                                              725                                         0     0     0     0     0     0                 LLC        Business Entity                                       1                                                                   Level 1-Not Stated/Not Verified                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Yes                                                            2 US Citizen                          Level 4-Stated/Verified as defined                                                                       Classic   10/XX/2021       725 Fair Isaac                727 Beacon 5.0        721 FICO Risk Score Classic 04         3                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                $XXX            3                                C4                                                                                                   77.108%  $XXX                0.800%                      80.000%
[redacted] [redacted] [redacted] [redacted] 53107824                                             Yes      No                                    $11,597.22 Multiple Sources           $8,926.56          0.000000    0.77                    1.30   1.3 $12,329.34                No                                                     $15,000.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes        $75,000.00              $2,035.97 $1,366.81 Level 1-Not Stated/Not Verified    No                1          2 No                              Experienced Investor                                              773                                         0     0     0     0     0     0                 LLC        Business Entity                                       1                                                                   Level 1-Not Stated/Not Verified                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Yes                                                            2 US Citizen                          Level 4-Stated/Verified as defined                                                                       Classic   11/XX/2021       793 Fair Isaac                768 Beacon 5.0        773 FICO Risk Score Classic 04         3                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                $XXX            1                                C3                                                                                                   75.000%  $XXX                0.750%                      75.000%
[redacted] [redacted] [redacted] [redacted] 51436288                                             Yes      No                                     $6,121.97 Multiple Sources           $2,930.30          0.000000    0.48                    2.09  2.09  $4,558.33                No                                                      $7,750.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes       $187,260.00                $824.78   $524.92 Level 3-Stated/Partially Verified  No                1          1 No            No       No       First-Time Investor           US Citizen       US Citizen         685                                         3     0     0     3     0     0                 Individual Individual                                            1 US Citizen                                                        Level 3-Stated/Partially Verified  9/XX/2021       681 Fair Isaac               685 Beacon 5.0            697 FICO Risk Score Classic 04 Individual Individual                                        1 US Citizen                         Level 3-Stated/Partially Verified  9/XX/2021       685 Fair Isaac      698 Beacon 5.0        693 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                             No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   50.000%  $XXX                0.549%                      54.908%
[redacted] [redacted] [redacted] [redacted] 55063286                                             Yes      No                                     $1,305.28 Multiple Sources             $713.17          0.000000    0.55                    1.83  1.83  $1,082.89                No                                                      $1,675.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes        $19,500.00                $237.97   $131.75 Level 4-Stated/Verified as defined No                1          1 No                              First-Time Investor                                               785                                         0     0     0     0     0     0                 LLC        Business Entity                                       1                                                                   Level 4-Stated/Verified as defined                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 Yes                             100.00% Full Recourse          1 US Citizen                          Level 1-Not Stated/Not Verified                                                                          Classic   11/XX/2021       766 Fair Isaac (VER. 2)       788 Beacon 5.0        785 FICO Risk Score Classic 04         3                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                $XXX            1                                C4                                                                                                   74.561%  $XXX                0.750%                      75.000%
[redacted] [redacted] [redacted] [redacted] 53490117                                             Yes      No                                     $1,635.50 Multiple Sources           $1,945.63          0.000000    1.19                    0.84  0.84  $2,710.13                No                                                      $2,400.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes                                  $668.67    $95.83 Level 4-Stated/Verified as defined No                1          3 No            No                Experienced Investor          US Citizen                          768                                         0     0     0     0     0     0                 Individual Individual                                            2 US Citizen                                                        Level 4-Stated/Verified as defined 12/XX/2021      764 Fair Isaac               770 Beacon 5.0            768 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C4                                                                                                   78.706%  $XXX                0.800%                      80.000%
[redacted] [redacted] [redacted] [redacted] 50139867                                             Yes      No                                     $1,947.96 Multiple Sources           $1,851.64          0.000000    0.95                    1.05  1.05  $3,403.68                No                                                      $3,500.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes        $52,600.00                $784.96   $164.08 Level 4-Stated/Verified as defined No                1          3 No            No                Experienced Investor          US Citizen                          702                                         0     0     0     0     0     0                 Individual Individual                                            3 US Citizen                                                        Level 4-Stated/Verified as defined 10/XX/2021      677 Fair Isaac               765 Beacon 5.0            702 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   73.393%  $XXX                0.750%                      75.000%
[redacted] [redacted] [redacted] [redacted] 57057302                                             Yes      Yes                                    $1,186.81 Multiple Sources           $1,000.62          0.000000    0.84                    1.19  1.19  $1,338.81                Yes   11/XX/2021 10/XX/2022       12         $1,800.00  $1,525.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes                                  $275.19    $63.00 Level 2-Stated/Not Verified        No                1          9 No                              Experienced Investor     2.85                                     759                                         0     0     0     0     0     0                 LLC        Business Entity                                       1                                                                   Level 2-Stated/Not Verified                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Yes                             100.00% Full Recourse          4 US Citizen                          Level 4-Stated/Verified as defined                                                                       Classic   10/XX/2021       799 Fair Isaac                759 Beacon 5.0        756 FICO Risk Score Classic 04         3                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                $XXX            1                                C3                                                                                                   78.992%  $XXX
[redacted] [redacted] [redacted] [redacted] 58936464                                             Yes      No                                     $1,689.79 Multiple Sources           $1,473.38          0.000000    0.87                    1.15  1.15  $1,683.59                No                                                      $1,900.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes        $35,000.00                $152.29    $57.92 Level 4-Stated/Verified as defined No                1          1 No            No                Experienced Investor          US Citizen                          724                                         0     0     0     0     0     0                 Individual Individual                                            2 US Citizen                                                        Level 4-Stated/Verified as defined 10/XX/2021      729 Fair Isaac               716 Beacon 5.0            724 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   73.957%  $XXX                0.750%                      75.000%
[redacted] [redacted] [redacted] [redacted] 58229913                                             Yes      Yes                                    $1,155.67 Multiple Sources           $1,120.92          0.000000    0.97                    1.03  1.03  $1,465.25                Yes   8/XX/2021   8/XX/2022       12         $1,500.00  $2,000.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes        $22,500.00                $273.41    $70.92 Level 4-Stated/Verified as defined No                1          6 No                              Experienced Investor                                              751                                         0     0     0     0     0     0                 LLC        Business Entity                                       1                                                                   Level 4-Stated/Verified as defined                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 Yes                                                            2 US Citizen                          Level 4-Stated/Verified as defined                                                                       Classic   11/XX/2021       751 Fair Isaac                774 Beacon 5.0        712 FICO Risk Score Classic 04         3                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                $XXX            1                                C2                                                                                                   73.427%  $XXX                0.750%                      75.000%
[redacted] [redacted] [redacted] [redacted] 54174224                                             Yes      No                                     $1,373.51 Multiple Sources             $765.08          0.000000    0.56                    1.80   1.8    $991.57                No                                                        $800.00 No                                                       $800.00                                                                                                                                                                                                                                                                                                                                                                                                                           Yes        $15,200.00                $106.32   $120.17 Level 1-Not Stated/Not Verified    No                1          5 No                              Experienced Investor     0.81                                     669                                         0     0     0     0     0     0                 LLC        Business Entity                                       1                                                                   Level 1-Not Stated/Not Verified                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Yes                             100.00% Full Recourse          5 US Citizen                          Level 4-Stated/Verified as defined                                                                       Classic   11/XX/2021       693 Fair Isaac                657 Beacon 5.0        669 FICO Risk Score Classic 04         3                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                $XXX            2                                C3                                                                                                   72.973%  $XXX                1.350%     $XXX
[redacted] [redacted] [redacted] [redacted] 51103618                                             Yes      No                                     $1,961.12 Multiple Sources           $1,340.19          0.000000    0.68                    1.46  1.46  $1,679.07                No                                                      $2,300.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            No                                   $160.17   $178.71 Level 4-Stated/Verified as defined No                1          2 No            No                Experienced Investor          US Citizen                          691                                         0     0     0     0     0     0                 Individual Individual                                            2 US Citizen                                                        Level 4-Stated/Verified as defined 12/XX/2021      718 Fair Isaac               691 Beacon 5.0            619 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   78.176%  $XXX                0.800%                      80.000%
[redacted] [redacted] [redacted] [redacted] 55280461                                             Yes      No                                     $1,423.30 Multiple Sources             $705.21          0.000000     0.5                    2.02  2.02    $931.91                No                                                      $1,650.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes                                  $165.87    $60.83 Level 1-Not Stated/Not Verified    No                9          9 No                              Experienced Investor     0.75                                     751                                         0     0     0     0     0     0                 LLC        Business Entity                                       1                                                                   Level 1-Not Stated/Not Verified                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Yes                                                            9 US Citizen                          Level 4-Stated/Verified as defined                                                                       Classic   10/XX/2021       733 Fair Isaac                758 Beacon 5.0        751 FICO Risk Score Classic 04         3                                                  9 US Citizen                          Level 4-Stated/Verified as defined              Classic   10/XX/2021       763 Fair Isaac       780 Beacon 5.0        768 FICO Risk Score Classic 04         3                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          $XXX            1                                C3                                                                                                   77.778%  $XXX
[redacted] [redacted] [redacted] [redacted] 59194902                                             Yes      No                                     $2,171.32 Multiple Sources           $1,249.82          0.000000    0.58                    1.74  1.74  $1,678.50                No                                                      $2,600.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes        $72,600.00                $362.93    $65.75 Level 4-Stated/Verified as defined No                1          1 No            No                First-Time Investor           Permanent Resident Alien            773                                         0     0     0     0     0     0                 Individual Individual                                            2 Permanent Resident Alien                                          Level 4-Stated/Verified as defined 11/XX/2021      787 Fair Isaac               765 Beacon 5.0            773 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   76.806%  $XXX                0.790%                      79.000%
[redacted] [redacted] [redacted] [redacted] 51078287                                             Yes      Yes                                    $7,874.15 Multiple Sources           $5,562.50          0.000000    0.71                    1.42  1.42  $6,488.35                Yes   9/XX/2020   8/XX/2021       12         $4,800.00  $5,500.00 Yes    1/XX/2021 12/XX/2021       12         $4,000.00 $4,500.00                                                                                                                                                                                                                                                                                                                                                                                                                           No                                   $712.52   $213.33 Level 4-Stated/Verified as defined No                1          1 No            No                Experienced Investor     3.04 US Citizen                          805                                         0     0     0     0     0     0                 Individual Individual                                            2 US Citizen                                                        Level 4-Stated/Verified as defined 11/XX/2021      810 Fair Isaac (VER. 2)      802 Beacon 5.0            805 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            2                                Good                                                                                                 49.020%  $XXX
[redacted] [redacted] [redacted] [redacted] 53924584                                             Yes      No                                     $2,298.85 Multiple Sources           $1,892.39          0.000000    0.82                    1.21  1.21  $2,193.54                No                                                      $2,600.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            No                                   $232.19    $35.63 Level 4-Stated/Verified as defined No                1          2 No            No       No       Experienced Investor          US Citizen       US Citizen         787                                         0     0     0     0     0     0                 Individual Individual                                            2 US Citizen                                                        Level 4-Stated/Verified as defined 12/XX/2021      787 Fair Isaac               784 Beacon 5.0            794 FICO Risk Score Classic 04 Individual Individual                                        2 US Citizen                         Level 4-Stated/Verified as defined 12/XX/2021      789 Fair Isaac      773 Beacon 5.0        814 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                             No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C2                                                                                                   76.480%  $XXX                0.800%                      80.000%
[redacted] [redacted] [redacted] [redacted] 50315172                                             Yes      No                                     $1,552.33 Multiple Sources           $1,168.82          0.000000    0.75                    1.33  1.33  $1,556.49                No                                                      $1,940.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes        $25,500.00                $324.50    $63.17 Level 4-Stated/Verified as defined No                1          3 No            No                Experienced Investor          US Citizen                          704                                         0     0     0     0     0     0                 Individual Individual                                            3 US Citizen                                                        Level 4-Stated/Verified as defined 11/XX/2021      689 Fair Isaac               716 Beacon 5.0            704 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C1                                                                                                   77.121%  $XXX                0.795%                      79.469%
[redacted] [redacted] [redacted] [redacted] 53764559                                             Yes      Yes                                    $1,367.52 Multiple Sources             $911.05          0.000000    0.67                    1.50   1.5  $1,443.53                Yes   4/XX/2021   5/XX/2022       13         $1,950.00  $1,900.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes                                  $472.98    $59.50 Level 1-Not Stated/Not Verified    No                1          5 No                              Experienced Investor     0.95                                     763                                         0     0     0     0     0     0                 LLC        Business Entity                                       1                                                                   Level 1-Not Stated/Not Verified                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Yes                             100.00% Full Recourse          3 US Citizen                          Level 4-Stated/Verified as defined                                                                       Classic   10/XX/2021       775 Fair Isaac                751 Beacon 5.0        763 FICO Risk Score Classic 04         3                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                $XXX            1                                C3                                                                                                   75.000%  $XXX                1.350%     $XXX
[redacted] [redacted] [redacted] [redacted] 50466163                                             Yes      No                                     $2,663.29 Multiple Sources           $1,089.14          0.000000    0.41                    2.45  2.45  $1,425.85                No                                                        $800.00 No                                                       $800.00    No                                       $800.00    No                                       $600.00                                                                                                                                                                                                                                                                                                                   Yes        $50,400.00                $226.38   $110.33 Level 4-Stated/Verified as defined No                1          2 No                              Experienced Investor     0.20                                     780                                         0     0     0     0     0     0                 Corp       Business Entity                                       1                                                                   Level 4-Stated/Verified as defined                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 Yes                                                            1 US Citizen                          Level 4-Stated/Verified as defined                                                                       Classic   12/XX/2021       755 Fair Isaac                794 Beacon 5.0        780 FICO Risk Score Classic 04         3                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                $XXX            4                                Average                                                                                              70.000%  $XXX
[redacted] [redacted] [redacted] [redacted] 57955917                                             Yes      No                                     $3,391.75 Multiple Sources           $1,916.09          0.000000    0.56                    1.77  1.77  $2,424.34                No                                                      $1,500.00 No                                                     $1,200.00    No                                     $1,200.00                                                                                                                                                                                                                                                                                                                                                                       Yes        $45,000.00                $291.63   $216.62 Level 1-Not Stated/Not Verified    No                1          1 No                              First-Time Investor                                               747                                         0     0     0     0     0     0                 LLC        Business Entity                                       1                                                                   Level 1-Not Stated/Not Verified                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Yes                                                            1 US Citizen                          Level 4-Stated/Verified as defined                                                                       Classic   11/XX/2021       733 Fair Isaac                747 Beacon 5.0        756 FICO Risk Score Classic 04         3                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                $XXX            3                                Average                                                                                              72.000%  $XXX                0.750%                      75.000%
[redacted] [redacted] [redacted] [redacted] 56998967                                             Yes      Yes                                    $1,346.23 Multiple Sources           $1,133.37          0.000000    0.84                    1.19  1.19  $1,287.14                Yes   10/XX/2020 10/XX/2026       72         $1,500.00  $1,800.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes                                  $112.60    $41.17 Level 4-Stated/Verified as defined No                1          4 No            No                Experienced Investor     3.10 US Citizen                          718                                         0     0     0     0     0     0                 Individual Individual                                            1 US Citizen                                                        Level 4-Stated/Verified as defined 11/XX/2021      729 Fair Isaac               718 Beacon 5.0            712 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   43.269%  $XXX
[redacted] [redacted] [redacted] [redacted] 56928070                                             Yes      No                                     $1,117.90 Multiple Sources             $727.18          0.000000    0.65                    1.54  1.54  $1,309.28                No                                                      $1,700.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            N/A                                  $502.35    $79.75 Level 4-Stated/Verified as defined No                1          3 No            No                Experienced Investor     1.84 US Citizen                          690                                         0     0     0     0     0     0                 Individual Individual                                            3 US Citizen                                                        Level 4-Stated/Verified as defined 11/XX/2021      690 Fair Isaac               690 Beacon 5.0            719 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   65.000%  $XXX
[redacted] [redacted] [redacted] [redacted] 51038067                                             Yes      Yes                                    $7,572.54 Multiple Sources          $10,096.32          0.000000    1.33                    0.75  0.75 $11,123.78                Yes   11/XX/2021 10/XX/2022       12         $8,600.00  $9,000.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes         $1,100.00                $822.05   $205.41 Level 4-Stated/Verified as defined No                1          0 No            No                First-Time Investor           US Citizen                          777                                         0     0     0     0     0     0                 Individual Individual                                            1 US Citizen                                                        Level 4-Stated/Verified as defined 11/XX/2021      756 Fair Isaac (VER. 2)      778 Beacon 5.0            777 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   66.667%  $XXX                0.668%                      66.844%
[redacted] [redacted] [redacted] [redacted] 54043522                                             Yes      No                                     $2,366.34 Multiple Sources           $1,619.03          0.000000    0.68                    1.46  1.46  $1,752.69                No                                                      $2,500.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes        $40,000.00                 $43.58    $79.33 Level 4-Stated/Verified as defined No                1          2 No            No                Experienced Investor          Non-Permanent Resident Alien        803                                         0     0     0     0     0     0                 Individual Individual                                            1 Non-Permanent Resident Alien                                      Level 4-Stated/Verified as defined 10/XX/2021        0 Not Applicable           810 Beacon 5.0            803 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C1                                                                                                   67.535%  $XXX                0.700%                      70.000%
[redacted] [redacted] [redacted] [redacted] 50008002                                             Yes      No                                     $1,755.41 Multiple Sources           $1,734.75          0.000000    0.99                    1.01  1.01  $2,479.34                No                                                      $2,500.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes        $37,500.00                $460.42   $284.17 Level 4-Stated/Verified as defined No                1          1 No            No                Experienced Investor          US Citizen                          715                                         0     0     0     0     0     0                 Individual Individual                                            1 US Citizen                                                        Level 4-Stated/Verified as defined 11/XX/2021      715 Fair Isaac               717 Beacon 5.0            715 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C4                                                                                                   70.806%  $XXX                0.707%                      70.668%
[redacted] [redacted] [redacted] [redacted] 52680196                                             Yes                                                                                  $1,890.50          0.145556                                        $1,890.50                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  $338.54   $124.85 Level 4-Stated/Verified as defined                                No            No                                              US Citizen                          730                                         0     0     0     0     0     0                 Individual Individual      Employed                              1 US Citizen                                                        Level 4-Stated/Verified as defined 11/XX/2021      730 Fair Isaac               714 Beacon 5.0            736 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            4                                C3                                                                                                            $XXX
[redacted] [redacted] [redacted] [redacted] 55039360                                             Yes                                                                                  $2,468.57          0.484212                                        $2,468.57                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  $361.03    $67.50 Level 4-Stated/Verified as defined                                No            No                                              US Citizen                          790                                         0     0     0     0     0     0                 Individual Individual      Employed                              9 US Citizen                                                        Level 4-Stated/Verified as defined 9/XX/2021       801 Fair Isaac               790 Beacon 5.0            781 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                            $XXX
[redacted] [redacted] [redacted] [redacted] 55642463                                             Yes                                                                                  $1,498.62          0.119890                                        $1,498.62                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  $291.99    $82.02 Level 4-Stated/Verified as defined                                Yes           Yes                                             Foreign National                      0                                         0     0     0     0     0     0                 Individual Individual      Employed                              1 Foreign National VISA          Venezuela (Bolivarian Republic of) Level 4-Stated/Verified as defined 10/XX/2021        0 Not Applicable             0 Not Applicable          0 Not Applicable                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                            $XXX
[redacted] [redacted] [redacted] [redacted] 59726424                                             Yes                                                                                 $11,944.76          0.205098                                       $11,944.76                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                $2,135.10   $296.83 Level 4-Stated/Verified as defined                                No            No       No                                0.59 US Citizen       US Citizen         755                                         0     0     0     0     0     0                 Individual Individual      Employed                              4 US Citizen                                                        Level 4-Stated/Verified as defined 10/XX/2021      755 Fair Isaac               768 Beacon 5.0            731 FICO Risk Score Classic 04 Individual Individual  Unemployed                            4 US Citizen                         Level 1-Not Stated/Not Verified    10/XX/2021      732 Fair Isaac      760 Beacon 5.0        771 FICO Risk Score Classic 04                                                                                                                                                                                                                                                                                                             No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                            $XXX
[redacted] [redacted] [redacted] [redacted] 53431787                                             Yes                                                                                  $3,426.56          0.459518                                        $3,426.56                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  $291.87     $0.00 Level 1-Not Stated/Not Verified                                   No                                                                                                703                                         0     0     0     0     0     0                 LLC        Business Entity Unemployed                            1                                                                   Level 1-Not Stated/Not Verified                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Yes                                                            1 US Citizen                          Level 4-Stated/Verified as defined Level 3-Stated/Verified as defined Level 5-Stated/Verified as defined Classic   9/XX/2021        703 Fair Isaac                761 Beacon 5.0        694 FICO Risk Score Classic 04         3                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                $XXX            1                                C3                                                                                                            $XXX
[redacted] [redacted] [redacted] [redacted] 57584145                                             Yes      No                                     $2,300.00 Third Party Rental Source  $1,918.39          0.000000    0.83                    1.20   0.9  $1,918.39                No                                                      $2,300.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes        $13,600.00                $354.60    $73.00 Level 4-Stated/Verified as defined No                1          2 No            No                Experienced Investor     2.34 US Citizen                          697                                         0     0     0     0     0     0                 Individual Individual                                            1 US Citizen                                                        Level 4-Stated/Verified as defined 11/XX/2019      670                          697                       731                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   65.000%  $XXX                0.653%     $XXX
[redacted] [redacted] [redacted] [redacted] 57946656                                             Yes      No                                     $1,350.00 Third Party Rental Source  $1,345.96          0.000000       1                    1.00     1  $1,345.96                No                                                      $1,350.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes        $32,400.00                $164.82    $91.17 Level 4-Stated/Verified as defined No                1          1 No            No                First-Time Investor           US Citizen                          720                                         0     0     0     0     0     0                 Individual Individual                                            1 US Citizen                                                        Level 4-Stated/Verified as defined 9/XX/2019       703                          725                       720                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   79.957%  $XXX                0.800%                       0.800%
[redacted] [redacted] [redacted] [redacted] 55928354                                             Yes      No                                     $5,500.00 Third Party Rental Source  $5,208.58          0.000000    0.95                    1.06  0.67  $5,208.58                No                                                      $5,500.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes       $234,000.00                $232.17   $564.75 Level 4-Stated/Verified as defined No                1          1 No            No                First-Time Investor           US Citizen                          665                                         0     0     0     0     0     0                 Individual Individual                                            2 US Citizen                                                        Level 4-Stated/Verified as defined 1/XX/2020       650                          665                       679                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   80.000%  $XXX                0.800%                       0.800%
[redacted] [redacted] [redacted] [redacted] 57561516                                             Yes      Yes                                    $2,750.00 Rent on Existing Lease     $3,499.43          0.000000    1.27                    0.79  0.79  $3,499.43                Yes   10/XX/2019  9/XX/2020       12         $2,750.00  $2,900.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes        $20,000.00                $303.69    $24.83 Level 4-Stated/Verified as defined No                1          5 No            No                Experienced Investor     0.68 US Citizen                          640                                         0     0     0     0     0     0                 Individual Individual                                            4 US Citizen                                                        Level 4-Stated/Verified as defined 12/XX/2019      638                          662                       640                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C4                                                                                                   70.000%  $XXX               12.293%     $XXX
[redacted] [redacted] [redacted] [redacted] 55678965                                             Yes      No                                     $1,450.00 Third Party Rental Source  $1,287.75          0.000000    0.89                    1.13  0.44  $1,287.75                No                                                      $1,450.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes        $19,500.00                $132.76    $34.25 Level 4-Stated/Verified as defined No                1          1 No            No       No       Experienced Investor          US Citizen       US Citizen         788                                         0     0     0     0     0     0                 Individual Individual                                            1 US Citizen                                                        Level 4-Stated/Verified as defined 1/XX/2020       810                          804                       819                            Individual Individual                                        1 US Citizen                         Level 4-Stated/Verified as defined 1/XX/2020       707                 788                   791                                                                                                                                                                                                                                                                                                                                        No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   69.842%  $XXX                0.700%                       0.700%
[redacted] [redacted] [redacted] [redacted] 58681099                                             Yes      No                                     $1,275.00 Third Party Rental Source  $1,156.76          0.000000    0.91                    1.10   1.1  $1,156.76                No                                                      $1,275.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes         $7,000.00                $249.74    $21.25 Level 4-Stated/Verified as defined No                1          1 No            No                First-Time Investor           US Citizen                          790                                         0     0     0     0     0     0                 Individual Individual                                            1 US Citizen                                                        Level 4-Stated/Verified as defined 12/XX/2019      790                          790                       775                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   70.000%  $XXX                0.700%                       0.700%
[redacted] [redacted] [redacted] [redacted] 51107161                                             Yes      Yes                                    $2,500.00 Rent on Existing Lease     $2,004.48          0.000000     0.8                    1.25   0.6  $2,004.48                Yes   12/XX/2017  6/XX/2020       31         $2,500.00  $2,600.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes        $32,000.00                $511.26    $54.08 Level 4-Stated/Verified as defined No                1          2 No            No                Experienced Investor    17.98 US Citizen                          690                                         0     0     0     0     0     0                 Individual Individual                                            2 US Citizen                                                        Level 4-Stated/Verified as defined 12/XX/2019      690                          699                       688                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   36.765%  $XXX                0.969%     $XXX
[redacted] [redacted] [redacted] [redacted] 58991347                                             Yes      Yes                                    $1,450.00 Rent on Existing Lease     $1,125.45          0.000000    0.78                    1.29  1.29  $1,125.45                Yes   1/XX/2020  12/XX/2020       12         $1,450.00  $1,450.00                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Yes         $4,000.00                $139.41    $52.17 Level 4-Stated/Verified as defined No                2          3 No            No                Experienced Investor          US Citizen                          808                                         0     0     0     0     0     0                 Individual Individual                                            3 US Citizen                                                        Level 4-Stated/Verified as defined 11/XX/2019      808                          804                       808                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                   68.966%  $XXX                0.676%                       0.680%
[redacted] [redacted] [redacted] [redacted] 56066130                                             Yes                                                                                  $2,152.38          0.438243                                        $2,152.38                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  $183.33    $37.50 Level 4-Stated/Verified as defined                                No            No                                              US Citizen                          676                                         0     0     0     0     0     0                 Individual Individual      Employed                              8 US Citizen                                                        Level 4-Stated/Verified as defined 11/XX/2019      675                          676                       745                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                            $XXX
[redacted] [redacted] [redacted] [redacted] 56815905                                             No                                                                                   $2,268.99          0.456690                                        $2,268.99                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  $331.38    $79.92 Level 4-Stated/Verified as defined                                No            No                                              US Citizen                          697                                         0     0     0     0     0     0                 Individual Individual      Employed                              1 US Citizen                                                        Level 4-Stated/Verified as defined 12/XX/2019      660                          697                       715                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                            $XXX
[redacted] [redacted] [redacted] [redacted] 57543560                                             No                                                                                   $1,674.95          0.386257                                        $1,674.95                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  $171.68   $110.58 Level 4-Stated/Verified as defined                                No            No                                              US Citizen                          641                                         0     0     0     0     0     0                 Individual Individual      Employed                              2 US Citizen                                                        Level 4-Stated/Verified as defined 11/XX/2019      641                          655                       620                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C4                                                                                                            $XXX
[redacted] [redacted] [redacted] [redacted] 57005897                                             No                                                                                   $1,277.98          0.424478                                        $1,277.98                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  $125.01    $29.58 Level 4-Stated/Verified as defined                                No            No       No                                     US Citizen       US Citizen         742                                         0     0     0     0     0     0                 Individual Individual      Employed                              4 US Citizen                                                        Level 4-Stated/Verified as defined 1/XX/2020       774                          779                       788                            Individual Individual  Unemployed                            4 US Citizen                         Level 4-Stated/Verified as defined 1/XX/2020       742                 752                   692                                                                                                                                                                                                                                                                                                                                        No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                            $XXX
[redacted] [redacted] [redacted] [redacted] 56618526                                             Yes                                                                                  $1,582.03          0.464950                                        $1,582.03                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  $150.17    $65.92 Level 4-Stated/Verified as defined                                No            No                                              US Citizen                          716                                         0     0     0     0     0     0                 Individual Individual      Employed                              2 US Citizen                                                        Level 4-Stated/Verified as defined 2/XX/2020       712                          743                       716                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                            $XXX
[redacted] [redacted] [redacted] [redacted] 50154373                                             No                                                                                   $2,265.42          0.393311                                        $2,265.42                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  $181.29   $135.00 Level 4-Stated/Verified as defined                                No            No                                              US Citizen                          642                                         0     0     0     0     0     0                 Individual Individual      Employed                              7 US Citizen                                                        Level 4-Stated/Verified as defined 2/XX/2020       637                          642                       685                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                            $XXX
[redacted] [redacted] [redacted] [redacted] 54492555                                             No                                                                                   $6,390.30          0.262771                                        $6,390.30                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                $1,385.42   $106.50 Level 4-Stated/Verified as defined                                No            No       No                                     US Citizen       US Citizen         659                                         0     0     0     0     0     0                 Individual Individual      Employed                             10 US Citizen                                                        Level 4-Stated/Verified as defined 1/XX/2020       741                          712                       742                            Individual Individual  Unemployed                           10 US Citizen                         Level 4-Stated/Verified as defined 1/XX/2020       659                 726                   643                                                                                                                                                                                                                                                                                                                                        No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C4                                                                                                            $XXX
[redacted] [redacted] [redacted] [redacted] 51919672                                             No                                                                                   $2,217.64          0.337292                                        $2,217.64                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  $282.30   $254.17 Level 4-Stated/Verified as defined                                No            No                                              US Citizen                          723                                         0     0     0     0     0     0                 Individual Individual      Employed                              1 US Citizen                                                        Level 4-Stated/Verified as defined 1/XX/2020       717                          731                       723                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            2                                Very Good                                                                                                     $XXX
[redacted] [redacted] [redacted] [redacted] 54629592                                             No                                                                                   $1,528.60          0.403225                                        $1,528.60                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  $160.12    $65.83 Level 4-Stated/Verified as defined                                No            No                                              US Citizen                          780                                         0     0     0     0     0     0                 Individual Individual      Employed                              2 US Citizen                                                        Level 4-Stated/Verified as defined 12/XX/2019      780                          762                       785                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                            $XXX
[redacted] [redacted] [redacted] [redacted] 53412672                                             No                                                                                   $3,881.42          0.410123                                        $3,881.42                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  $194.60    $54.25 Level 4-Stated/Verified as defined                                No            No       No                                     US Citizen       US Citizen         765                                         0     0     0     0     0     0                 Individual Individual      Employed                              3 US Citizen                                                        Level 4-Stated/Verified as defined 1/XX/2020       762                          765                       782                            Individual Individual  Unemployed                            3 US Citizen                         Level 4-Stated/Verified as defined 1/XX/2020       765                 768                   783                                                                                                                                                                                                                                                                                                                                        No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                            $XXX
[redacted] [redacted] [redacted] [redacted] 58962286                                             No                                                                                   $1,747.80          0.459350                                        $1,747.80                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  $121.19    $73.00 Level 4-Stated/Verified as defined                                No            No                                              US Citizen                          721                                         0     0     0     0     0     0                 Individual Individual      Employed                              3 US Citizen                                                        Level 4-Stated/Verified as defined 1/XX/2020       721                          750                       694                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                            $XXX
[redacted] [redacted] [redacted] [redacted] 50890588                                             No                                                                                   $1,089.39          0.326157                                        $1,089.39                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  $219.77    $31.83 Level 4-Stated/Verified as defined                                No            No       No                                     US Citizen       US Citizen         802                                         0     0     0     0     0     0                 Individual Individual      Employed                              2 US Citizen                                                        Level 4-Stated/Verified as defined 2/XX/2020       802                          810                       786                            Individual Individual  Unemployed                            2 US Citizen                         Level 4-Stated/Verified as defined 2/XX/2020       820                 809                   819                                                                                                                                                                                                                                                                                                                                        No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C1                                                                                                            $XXX
[redacted] [redacted] [redacted] [redacted] 59697733                                             No                                                                                   $1,533.62          0.328183                                        $1,533.62                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  $216.98    $28.00 Level 4-Stated/Verified as defined                                No            No                                              US Citizen                          682                                         0     0     0     0     0     0                 Individual Individual      Employed                              1 US Citizen                                                        Level 4-Stated/Verified as defined 1/XX/2020       644                          688                       682                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      No                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   $XXX            1                                C3                                                                                                            $XXX

</pre>
```

## Exhibit 99.1

![](situs_logo.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Data Compare Summary (Total)**<br>**Run Date - 11/14/2025 4:30:22 PM** | | | | |
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| City | 1 | 257 | 0.39% | 257 |
| State | 0 | 255 | 0.00% | 257 |
| Original Loan Amount | 1 | 257 | 0.39% | 257 |
| Original Term | 0 | 257 | 0.00% | 257 |
| Original Interest Rate | 2 | 257 | 0.78% | 257 |
| Representative FICO | 3 | 250 | 1.20% | 257 |
| Property Type | 45 | 150 | 30.00% | 257 |
| Occupancy | 72 | 257 | 28.02% | 257 |
| Purpose | 0 | 153 | 0.00% | 257 |
| Margin | 0 | 163 | 0.00% | 257 |
| # of Units | 0 | 153 | 0.00% | 257 |
| Contract Sales Price | 2 | 230 | 0.87% | 257 |
| Original LTV | 3 | 255 | 1.18% | 257 |
| LTV Valuation Value | 5 | 253 | 1.98% | 257 |
| Refi Purpose | 1 | 37 | 2.70% | 257 |
| Doc Type | 43 | 79 | 54.43% | 257 |
| Street | 0 | 28 | 0.00% | 257 |
| Zip | 0 | 132 | 0.00% | 257 |
| Borrower First Name | 0 | 24 | 0.00% | 257 |
| Borrower Last Name | 0 | 24 | 0.00% | 257 |
| First Payment Date | 0 | 132 | 0.00% | 257 |
| Original P&I | 0 | 28 | 0.00% | 257 |
| Lien Position | 0 | 132 | 0.00% | 257 |
| Interest Rate Life Cap | 0 | 22 | 0.00% | 257 |
| Interest Rate Periodic Cap | 0 | 24 | 0.00% | 257 |
| Interest Rate Initial Cap | 0 | 38 | 0.00% | 257 |
| Original CLTV | 1 | 126 | 0.79% | 257 |
| Original Interest Rate Period | 0 | 22 | 0.00% | 257 |
| Interest Rate Life Floor | 2 | 25 | 8.00% | 257 |
| Borrower Self-Employed? | 5 | 126 | 3.97% | 257 |
| Has FTHB | 0 | 22 | 0.00% | 257 |
| Interest Rate Change Frequency | 0 | 9 | 0.00% | 257 |
| Coborrower First Name | 0 | 3 | 0.00% | 257 |
| Coborrower Last Name | 0 | 3 | 0.00% | 257 |
| Note Date | 71 | 110 | 64.55% | 257 |
| Amortization Term | 0 | 110 | 0.00% | 257 |
| Amortization Type | 0 | 104 | 0.00% | 257 |
| Origination Channel | 3 | 108 | 2.78% | 257 |
| Investor: Qualifying Total Debt Ratio | 5 | 125 | 4.00% | 257 |
| Mortgage Type | 1 | 4 | 25.00% | 257 |
| Product Description | 0 | 2 | 0.00% | 257 |
| Originator Loan Designation | 8 | 109 | 7.34% | 257 |
| Appraised Value | 0 | 4 | 0.00% | 257 |
| Lender | 0 | 2 | 0.00% | 257 |
| Index Type | 0 | 14 | 0.00% | 257 |
| Interest Rate Life Max | 0 | 16 | 0.00% | 257 |
| Borrower SSN | 0 | 2 | 0.00% | 257 |
| Origination Company Name | 0 | 2 | 0.00% | 257 |
| First Interest Rate Change Date | 0 | 1 | 0.00% | 257 |
| Next Interest Rate Change Date | 0 | 1 | 0.00% | 257 |
| Coborrower Self-Employed? | 0 | 2 | 0.00% | 257 |
| Universal Loan Identifier (ULI) | 18 | 103 | 17.48% | 257 |
| Interest Rate Life Min | 0 | 13 | 0.00% | 257 |
| Lookback Period | 0 | 13 | 0.00% | 257 |
| Interest Rate Initial Floor | 2 | 13 | 15.38% | 257 |
| Interest Only | 0 | 1 | 0.00% | 257 |
| **Total** | **294** | **5042** | **5.83%** | **257** |

---

## Exhibit 99.1

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **amc_loan_id** | **Unique ID** | **customer_loan_id** | **seller_loan_id** | **balance_postmod** | **balloon_postmod** | **current_pra_outstanding** | **deferred_balance** | **first_pmt_date_postmod** | **io_flag_postmod** | **io_period_postmod** | **maturity_date_postmod** | **mod_date** | **mod_pra_amount** | **mod_principal_forbeared** | **mod_type** | **pi_postmod** | **rate_postmod** | **amort_term_postmod** | **amort_type_postmod** | **arm_code_postmod** | **current_pra_forgiven** | **first_rate_reset_months_postmod** | **margin_postmod** | **max_rate_postmod** | **min_rate_postmod** | **pra_01_anniversary_date** | **pra_02_anniversary_date** | **pra_03_anniversary_date** | **rate_index_postmod** | **rate_reset_frequency_mo_postmod** | **step_01_effective_date** | **step_01_interest_rate** | **step_02_effective_date** | **step_02_interest_rate** | **step_03_effective_date** | **step_03_interest_rate** | **step_04_effective_date** | **step_04_interest_rate** | **step_05_effective_date** | **step_05_interest_rate** | **step_06_effective_date** | **step_06_interest_rate** | **step_07_effective_date** | **step_07_interest_rate** | **step_08_effective_date** | **step_08_interest_rate** | **step_09_effective_date** | **step_09_interest_rate** | **step_10_effective_date** | **step_10_interest_rate** | **step_max_interest_rate** | **step_max_interest_rate_date** | **step_rate_flag** | **step_rate_number** | **term_postmod** | **capitalized_corporate_advance_postmod** | **capitalized_escrow_postmod** | **capitalized_interest_postmod** | **capitalized_other_postmod** | **capitalized_total_postmod** | **init_periodic_rate_cap_postmod** | **init_periodic_rate_floor_postmod** | **lifetime_cap_postmod** | **lifetime_floor_postmod** | **lookback_days_postmod** | **mod_principal_capitalized** | **periodic_cap_postmod** | **periodic_floor_postmod** | **round_code_postmod** | **step_01_pi_amount** | **step_02_pi_amount** | **step_03_pi_amount** | **step_04_pi_amount** | **step_05_pi_amount** | **step_06_pi_amount** | **step_07_pi_amount** | **step_08_pi_amount** | **step_09_pi_amount** | **step_10_pi_amount** | **is_mod_recorded** | **has_modifications?** | **mod_doc_status** | **mod_comments** | **total_outstanding_deferred** | **interest_bearing_balance_postmod** | **pra_year_1_reduction_amount** | **pra_year_2_reduction_amount** | **pra_year_3_reduction_amount** | **mod_extension_deferment** | **mod_extension_date** | **new_maturity_date** | **number_of_deferments** | **total_extension_deferment_amount** |
| XXX | 992298444 | XXX | XXX | XXX,XXX.XX | No |  | XXX,XXX.XX | XX/XX/XXXX | No |  | XX/XX/XXXX | XX/XX/XXXX |  | X.XX | Non-HAMP | XXX.XX | X.XX% | XXX | Fixed |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXX |  |  |  |  | X.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Complete | The finalized Modification reflects a change in the First Payment Date to XX/XX/XXXX. | X,XXX.XX | X,XXX.XX |  |  |  | No |  |  |  | X,XXX.XX |
| XXX | 992298582 | XXX | XXX | XXX,XXX.XX | No |  | XXX,XXX.XX | XX/XX/XXXX | No |  | XX/XX/XXXX | XX/XX/XXXX |  | X.XX | Non-HAMP | XXX.XX | X.XX% | XXX | GPM |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | X.XXX% | XX/XX/XXXX | X.XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X.XXX% | XX/XX/XXXX | Yes | 2 | XXX |  |  |  |  | X.XX |  |  |  |  |  |  |  |  |  | X,XXX.XX | X,XXX.XX |  |  |  |  |  |  |  |  | No | Yes | Complete |  | X,XXX.XX | X,XXX.XX |  |  |  | No |  |  |  | X,XXX.XX |
| XXX | 992298509 | XXX | XXX | XXX,XXX.XX | No |  | XXX,XXX.XX | XX/XX/XXXX | No |  | XX/XX/XXXX | XX/XX/XXXX |  | X.XX | Non-HAMP | XXX.XX | X.XX% | XXX | Fixed |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXX |  |  |  |  | X.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Complete |  | X,XXX.XX | X,XXX.XX |  |  |  | No |  |  |  | X,XXX.XX |
| XXX | 992297856 | XXX | XXX | XXX,XXX.XX | No |  | XXX,XXX.XX | XX/XX/XXXX | No |  | XX/XX/XXXX | XX/XX/XXXX |  | X.XX | Non-HAMP | XXX.XX | X.XX% | XXX | Fixed |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXX |  |  |  |  | X.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Complete |  | X,XXX.XX | X,XXX.XX |  |  |  | Yes | XX/XX/XXXX | XX/XX/XXXX | 1 | X,XXX.XX |
| XXX | 992298731 | XXX | XXX | XXX,XXX.XX | No |  | XXX,XXX.XX | XX/XX/XXXX | No |  | XX/XX/XXXX | XX/XX/XXXX |  | X.XX | Non-HAMP | XXX.XX | X.XX% | XXX | GPM |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | X.XXX% | XX/XX/XXXX | X.XXX% | XX/XX/XXXX | X.XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X.XXX% | XX/XX/XXXX | Yes | 3 | XXX |  |  |  |  | X.XX |  |  |  |  |  |  |  |  |  | X,XXX.XX | X,XXX.XX | X,XXX.XX |  |  |  |  |  |  |  | No | Yes | Complete | The current servicing modification date appears to be related to the lender's signature date. | X,XXX.XX | X,XXX.XX |  |  |  | No |  |  |  | X,XXX.XX |
| XXX | 992298521 | XXX | XXX | XXX,XXX.XX | No |  | XXX,XXX.XX | XX/XX/XXXX | No |  | XX/XX/XXXX | XX/XX/XXXX |  | X.XX | Non-HAMP | XXX.XX | X.XX% | XXX | Fixed |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXX |  |  |  |  | X.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Complete |  | X,XXX.XX | X,XXX.XX |  |  |  | No |  |  |  | X,XXX.XX |
| XXX | 992298482 | XXX | XXX | XXX,XXX.XX | No |  | XXX,XXX.XX | XX/XX/XXXX | No |  | XX/XX/XXXX | XX/XX/XXXX |  | X.XX | Non-HAMP | XXX.XX | X.XX% | XXX | GPM |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | X.XXX% | XX/XX/XXXX | X.XXX% | XX/XX/XXXX | X.XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X.XXX% | XX/XX/XXXX | Yes | 3 | XXX |  |  |  |  | X.XX |  |  |  |  |  |  |  |  |  | X,XXX.XX | X,XXX.XX | X,XXX.XX |  |  |  |  |  |  |  | No | Yes | Complete | The finalized Modification reflects a change in the First Payment Date to XX/XX/XXXX. | X,XXX.XX | X,XXX.XX |  |  |  | No |  |  |  | X,XXX.XX |
| XXX | 991738440 | XXX | XXX | XXX,XXX.XX | No |  | XXX,XXX.XX | XX/XX/XXXX | No |  | XX/XX/XXXX | XX/XX/XXXX |  | X.XX | Non-HAMP | XXX.XX | X.XX% | XXX | GPM |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | X.XXX% | XX/XX/XXXX | X.XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X.XXX% | XX/XX/XXXX | Yes | 2 | XXX |  |  |  |  | X.XX |  |  |  |  |  |  |  |  |  | X,XXX.XX | X,XXX.XX |  |  |  |  |  |  |  |  | No | Yes | Complete |  | X,XXX.XX | X,XXX.XX |  |  |  | No |  |  |  | X,XXX.XX |
| XXX | 51509078 | XXX | XXX | XXX,XXX.XX | No |  | XXX,XXX.XX | XX/XX/XXXX | No |  | XX/XX/XXXX | XX/XX/XXXX |  | X.XX | Non-HAMP | XXX.XX | X.XX% | XXX | Fixed |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXX |  |  |  |  | X.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Complete |  | X,XXX.XX | X,XXX.XX |  |  |  | No |  |  |  | X,XXX.XX |
| XXX | 57802085 | XXX | XXX |  | No |  | XXX,XXX.XX | XX/XX/XXXX | No |  | XX/XX/XXXX | XX/XX/XXXX |  | X.XX | Non-HAMP | XXX.XX | X.XX% | XXX | Fixed |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXX |  |  |  |  | X.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Complete |  | X,XXX.XX | X,XXX.XX |  |  |  | No |  |  |  | X,XXX.XX |
| XXX | 56075769 | XXX | XXX | XXX,XXX.XX | No |  | XXX,XXX.XX | XX/XX/XXXX | No |  | XX/XX/XXXX | XX/XX/XXXX |  | X.XX | Non-HAMP | XXX.XX | X.XX% | XXX | Fixed |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXX |  |  |  |  | X.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Complete |  | X,XXX.XX | X,XXX.XX |  |  |  | No |  |  |  | X,XXX.XX |
| XXX | 54676004 | XXX | XXX |  | No |  | XXX,XXX.XX | XX/XX/XXXX | No |  | XX/XX/XXXX | XX/XX/XXXX |  | X.XX | Non-HAMP | XXX.XX | X.XX% | XXX | Fixed |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXX |  |  |  |  | X.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Complete |  | X,XXX.XX | X,XXX.XX |  |  |  | No |  |  |  | X,XXX.XX |
| XXX | 53184584 | XXX | XXX | XXX,XXX.XX | No |  | XXX,XXX.XX | XX/XX/XXXX | No |  | XX/XX/XXXX | XX/XX/XXXX |  | X.XX | Non-HAMP | XXX.XX | X.XX% | XXX | GPM |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | X.XXX% | XX/XX/XXXX | X.XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X.XXX% | XX/XX/XXXX | Yes | 2 | XXX |  |  |  |  | X.XX |  |  |  |  |  |  |  |  |  | X,XXX.XX | X,XXX.XX |  |  |  |  |  |  |  |  | No | Yes | Complete |  | X,XXX.XX | X,XXX.XX |  |  |  | No |  |  |  | X,XXX.XX |
| XXX | 53540754 | XXX | XXX |  | No |  | XXX,XXX.XX | XX/XX/XXXX | No |  | XX/XX/XXXX | XX/XX/XXXX |  | X.XX | Non-HAMP | XXX.XX | X.XX% | XXX | Fixed |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXX |  |  |  |  | X.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Complete |  | X,XXX.XX | X,XXX.XX |  |  |  | No |  |  |  | X,XXX.XX |
| XXX | 56815905 | XXX | XXX | XXX,XXX.XX | No |  | XXX,XXX.XX | XX/XX/XXXX | No |  | XX/XX/XXXX | XX/XX/XXXX |  | X.XX | Non-HAMP | XXX.XX | X.XX% | XXX | Fixed |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXX |  |  |  |  | X.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Complete |  | X,XXX.XX | X,XXX.XX |  |  |  | No |  |  |  | X,XXX.XX |
| XXX | 53190871 | XXX | XXX | XXX,XXX.XX | No |  | XXX,XXX.XX | XX/XX/XXXX | No |  | XX/XX/XXXX | XX/XX/XXXX |  | X.XX | Non-HAMP | XXX.XX | X.XX% | XXX | Fixed |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXX |  |  |  |  | X.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Complete |  | X,XXX.XX | X,XXX.XX |  |  |  | No |  |  |  | X,XXX.XX |
| XXX | 58173915 | XXX | XXX | XXX,XXX.XX | No |  | XXX,XXX.XX | XX/XX/XXXX | No |  | XX/XX/XXXX | XX/XX/XXXX |  | X.XX | Non-HAMP | XXX.XX | X.XX% | XXX | Fixed |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXX |  |  |  |  | X.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Complete |  | X,XXX.XX | X,XXX.XX |  |  |  | No |  |  |  | X,XXX.XX |
| XXX | 59549550 | XXX | XXX | XXX,XXX.XX | No |  | XXX,XXX.XX | XX/XX/XXXX | No |  | XX/XX/XXXX | XX/XX/XXXX |  | X.XX | Non-HAMP | XXX.XX | X.XX% | XXX | Fixed |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXX |  |  |  |  | X.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Complete |  | X,XXX.XX | X,XXX.XX |  |  |  | No |  |  |  | X,XXX.XX |
| XXX | 50705517 | XXX | XXX | XXX,XXX.XX | No |  | XXX,XXX.XX | XX/XX/XXXX | No |  | XX/XX/XXXX | XX/XX/XXXX |  | X.XX | Non-HAMP | XXX.XX | X.XX% | XXX | GPM |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | X.XXX% | XX/XX/XXXX | X.XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X.XXX% | XX/XX/XXXX | Yes | 2 | XXX |  |  |  |  | X.XX |  |  |  |  |  |  |  |  |  | X,XXX.XX | X,XXX.XX |  |  |  |  |  |  |  |  | No | Yes | Complete |  | X,XXX.XX | X,XXX.XX |  |  |  | No |  |  |  | X,XXX.XX |
| XXX | 991738918 | XXX | XXX | XXX,XXX.XX | No |  | XXX,XXX.XX | XX/XX/XXXX | No |  | XX/XX/XXXX | XX/XX/XXXX |  | X.XX | Non-HAMP | XXX.XX | X.XX% | XXX | GPM |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | X.XXX% | XX/XX/XXXX | X.XXX% | XX/XX/XXXX | X.XXX% | XX/XX/XXXX | X.XXX% |  |  |  |  |  |  |  |  |  |  |  |  | X.XXX% | XX/XX/XXXX | Yes | 4 | XXX |  |  |  |  | X.XX |  |  |  |  |  |  |  |  |  | X,XXX.XX | X,XXX.XX | X,XXX.XX | X,XXX.XX |  |  |  |  |  |  | No | Yes | Complete |  | X,XXX.XX | X,XXX.XX |  |  |  | No |  |  |  | X,XXX.XX |
| XXX | 992298715 | XXX | XXX |  | No |  | XXX,XXX.XX | XX/XX/XXXX | No |  | XX/XX/XXXX | XX/XX/XXXX |  | X.XX | Non-HAMP | XXX.XX | X.XX% | XXX | Fixed |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXX |  |  |  |  | X.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Complete |  | X,XXX.XX | X,XXX.XX |  |  |  | Yes | XX/XX/XXXX | XX/XX/XXXX | 1 | X,XXX.XX |
| XXX | 992298231 | XXX | XXX |  | No |  | XXX,XXX.XX | XX/XX/XXXX | No |  | XX/XX/XXXX | XX/XX/XXXX |  | X.XX | Non-HAMP | XXX.XX | X.XX% | XXX | Fixed |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXX |  |  |  |  | X.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Complete |  | X,XXX.XX | X,XXX.XX |  |  |  | Yes | XX/XX/XXXX | XX/XX/XXXX | 1 | X,XXX.XX |
| XXX | 992298601 | XXX | XXX |  | No |  | XXX,XXX.XX | XX/XX/XXXX | No |  | XX/XX/XXXX | XX/XX/XXXX |  | X.XX | Non-HAMP | XXX.XX | X.XX% | XXX | Fixed |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXX |  |  |  |  | X.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Complete |  | X,XXX.XX | X,XXX.XX |  |  |  | No |  |  |  | X,XXX.XX |
| XXX | 992298616 | XXX | XXX |  | No |  | XXX,XXX.XX | XX/XX/XXXX | No |  | XX/XX/XXXX | XX/XX/XXXX |  | X.XX | Non-HAMP | XXX.XX | X.XX% | XXX | Fixed |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXX |  |  |  |  | X.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Complete |  | X,XXX.XX | X,XXX.XX |  |  |  | No |  |  |  | X,XXX.XX |
| XXX | 992297943 | XXX | XXX | XXX,XXX.XX | No |  | XXX,XXX.XX | XX/XX/XXXX | No |  | XX/XX/XXXX | XX/XX/XXXX |  | X.XX | Non-HAMP | XXX.XX | X.XX% | XXX | GPM |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | X.XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X.XXX% | XX/XX/XXXX | Yes | 1 | XXX |  |  |  |  | X.XX |  |  |  |  |  |  |  |  |  | X,XXX.XX |  |  |  |  |  |  |  |  |  | No | Yes | Complete |  | X,XXX.XX | X,XXX.XX |  |  |  | No |  |  |  | X,XXX.XX |
| XXX | 58251991 | XXX | XXX | XXX,XXX.XX | No |  | XXX,XXX.XX | XX/XX/XXXX | No |  | XX/XX/XXXX | XX/XX/XXXX |  | X.XX | Non-HAMP | XXX.XX | X.XX% | XXX | GPM |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | X.XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X.XXX% | XX/XX/XXXX | Yes | 1 | XXX |  |  |  |  | X.XX |  |  |  |  |  |  |  |  |  | X,XXX.XX |  |  |  |  |  |  |  |  |  | No | Yes | Complete | The current servicing Interest Rate and P&I appear related to the initial terms of the modification. | X,XXX.XX | X,XXX.XX |  |  |  | No |  |  |  | X,XXX.XX |

---

## Exhibit 99.1

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **AMC Loan ID** | **Unique ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Street** | **City** | **State** | **Zip** | **Has Modification?** | **Mod Doc Status** | **Mod Amortization Type** | **Total Amount Deferred** | **Mod UPB** | **Mod Principal Forgiven** | **Mod Amount Capitalized** | **Mod Deferred Balance** | **Mod Accruing UPB** | **Mod Date** | **Mod First Payment Date** | **Mod Maturity Date** | **Mod Original Term** | **Mod Amortization Term** | **Mod Original Interest Rate** | **Mod P&I** | **Mod P&I - Calculated** | **Mod Payment Frequency** | **Mod Interest Collection Type** | **Mod Interest Only?** | **Mod Interest Only Period** | **Mod Interest Only Period Expiration** | **Mod Balloon?** | **Mod Neg Am?** | **Mod Months Extended** | **Mod Neg Am Cap (% of UPB)** | **Principal Reduction Alternative** | **Balance Eligible** | **Principal Reduction Alt Amount** | **PRA Year 1 Anniversary Date** | **PRA Year 1 Reduction Amount** | **PRA Year 2 Anniversary Date** | **PRA Year 2 Reduction Amount** | **PRA Year 3 Anniversary Date** | **PRA Year 3 Reduction Amount** | **Mod Program Type** | **Mod Cure** | **Mod Teaser Rate** | **Mod Rate Change Frequency (Payments)** | **Mod Payment Change Frequency (Payments)** | **Mod First Interest Rate Change Date** | **Mod First Payment Change Date** | **Mod Next Interest Rate Change Date** | **Mod Next Payment Change Date** | **Mod Index Type / ARM Type** | **Mod Lookback Period** | **Mod Rounding Factor** | **Mod Rounding Method** | **Mod Initial Rate Cap** | **Mod Initial Rate Floor** | **Mod Initial Rate Maximum** | **Mod Initial Rate Minimum** | **Mod Life Rate Cap** | **Mod Life Rate Floor** | **Mod Life Rate Maximum** | **Mod Life Rate Minimum** | **Mod Periodic Rate Cap** | **Mod Periodic Rate Floor** | **Mod Margin** | **Step 1 Rate Change Date** | **Step 1 Payment Change Date** | **Step 1 Rate** | **Step 1 P&I** | **Step 1 # Payments** | **Step 2 Rate Change Date** | **Step 2 Payment Change Date** | **Step 2 Rate** | **Step 2 P&I** | **Step 2 # Payments** | **Step 3 Rate Change Date** | **Step 3 Payment Change Date** | **Step 3 Rate** | **Step 3 P&I** | **Step 3 # Payments** | **Step 4 Rate Change Date** | **Step 4 Payment Change Date** | **Step 4 Rate** | **Step 4 P&I** | **Step 4 # Payments** | **Step 5 Rate Change Date** | **Step 5 Payment Change Date** | **Step 5 Rate** | **Step 5 P&I** | **Step 5 # Payments** | **Step 6 Rate Change Date** | **Step 6 Payment Change Date** | **Step 6 Rate** | **Step 6 P&I** | **Step 6 # Payments** | **Step 7 Rate Change Date** | **Step 7 Payment Change Date** | **Step 7 Rate** | **Step 7 P&I** | **Step 7 # Payments** | **Step 8 Rate Change Date** | **Step 8 Payment Change Date** | **Step 8 Rate** | **Step 8 P&I** | **Step 8 # Payments** | **Step 9 Rate Change Date** | **Step 9 Payment Change Date** | **Step 9 Rate** | **Step 9 P&I** | **Step 9 # Payments** | **Step 10 Rate Change Date** | **Step 10 Payment Change Date** | **Step 10 Rate** | **Step 10 P&I** | **Step 10 # Payments** | **Mod Prepayment Penalty?** | **Mod Prepayment Penalty Period (months)** | **Mod Prepayment Penalty Percent Amount Year 1** | **Mod Prepayment Penalty Percent Amount Year 2** | **Mod Prepayment Penalty Percent Amount Year 3** | **Mod Prepayment Penalty Percent Amount Year 4** | **Mod Prepayment Penalty Percent Amount Year 5** | **Mod Prepayment Balance Allowance** | **Mod Prepayment Balance Type** | **Mod Hard Penalty Period (Months)** | **Mod Maximum Prepayment Penalty Amount** | **Mod Prepayment Penalty Enforcement** | **Mod Prepayment Penalty Expiration Date** | **Mod Prepayment Penalty Months Interest** | **Mod Stated Penalty Amount** | **Mod Prepayment Terms** | **Mod Extension Deferment?** | **Mod Extension Date** | **New Maturity Date** | **Mod Extension Months** | **Latest Mod Deferment Date** | **Number of Deferments** | **Total Mod Deferment Amount** | **Active Temp Mod?** | **Temp Mod Expiraton Date** | **Temp Mod Status** | **Temp Mod Reverts To** | **Temp Mod Amortization Type** | **Temp Mod UPB** | **Temp Mod Accruing UPB** | **Temp Mod Principal Forgiven** | **Temp Mod Deferred Balance** | **Temp Mod Date** | **Temp Mod First Payment Date** | **Temp Mod Maturity Date** | **Temp Mod Original Interest Rate** | **Temp Mod PI** | **Temp Mod Interest Only** | **Temp Mod Interest Only Period** | **Mod Comments** | **Post Mod Other Change** | **Post Mod Change Date** | **Post Mod Forgiveness Amount** | **Post Mod Change Comment** |
| XXX | 992298444 | XXX | XXX | XXX | XXX | XXX | CO | XXXXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 473 | 474 | XXX | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The finalized Modification reflects a change in the First Payment Date to XX/XX/XXXX. | No |  |  |  |
| XXX | 992298582 | XXX | XXX | XXX | XXX | XXX | TX | XXXXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | 408 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXX | 992298509 | XXX | XXX | XXX | XXX | XXX | FL | XXXXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 373 | 373 | XXX | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXX | 992297856 | XXX | XXX | XXX | XXX | XXX | CA | XXXXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 400 | 400 | XXX | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXX | 992298731 | XXX | XXX | XXX | XXX | XXX | TX | XXXXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | 396 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing modification date appears to be related to the lender's signature date. | No |  |  |  |
| XXX | 992298521 | XXX | XXX | XXX | XXX | XXX | CA | XXXXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 395 | 395 | XXX | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXX | 992298482 | XXX | XXX | XXX | XXX | XXX | ID | XXXXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 479 | 480 | XXX | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | 396 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The finalized Modification reflects a change in the First Payment Date to XX/XX/XXXX. | No |  |  |  |
| XXX | 991738440 | XXX | XXX | XXX | XXX | XXX | NV | XXXXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | 408 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXX | 51509078 | XXX | XXX | XXX | XXX | XXX | NC | XXXXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 399 | 399 | XXX | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXX | 57802085 | XXX | XXX | XXX | XXX | XXX | FL | XXXXX | Yes | Complete | Fixed | XXX |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 353 | 353 | XXX | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXX | 56075769 | XXX | XXX | XXX | XXX | XXX | CA | XXXXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 468 | 468 | XXX | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXX | 54676004 | XXX | XXX | XXX | XXX | XXX | CA | XXXXX | Yes | Complete | Fixed | XXX |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 357 | 357 | XXX | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXX | 53184584 | XXX | XXX | XXX | XXX | XXX | CA | XXXXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | 408 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXX | 53540754 | XXX | XXX | XXX | XXX | XXX | CA | XXXXX | Yes | Complete | Fixed | XXX |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 356 | 356 | XXX | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXX | 56815905 | XXX | XXX | XXX | XXX | XXX | FL | XXXXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 356 | 356 | XXX | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXX | 53190871 | XXX | XXX | XXX | XXX | XXX | AL | XXXXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 356 | 356 | XXX | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXX | 58173915 | XXX | XXX | XXX | XXX | XXX | CA | XXXXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 476 | 476 | XXX | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXX | 59549550 | XXX | XXX | XXX | XXX | XXX | OR | XXXXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 357 | 357 | XXX | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXX | 50705517 | XXX | XXX | XXX | XXX | XXX | CA | XXXXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | 408 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXX | 991738918 | XXX | XXX | XXX | XXX | XXX | TX | XXXXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | 364 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXX | 992298715 | XXX | XXX | XXX | XXX | XXX | IL | XXXXX | Yes | Complete | Fixed | XXX |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 358 | 358 | XXX | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXX | 992298231 | XXX | XXX | XXX | XXX | XXX | TX | XXXXX | Yes | Complete | Fixed | XXX |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 354 | 354 | XXX | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXX | 992298601 | XXX | XXX | XXX | XXX | XXX | GA | XXXXX | Yes | Complete | Fixed | XXX |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 355 | 355 | XXX | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXX | 992298616 | XXX | XXX | XXX | XXX | XXX | TX | XXXXX | Yes | Complete | Fixed | XXX |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 349 | 349 | XXX | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXX | 992297943 | XXX | XXX | XXX | XXX | XXX | TX | XXXXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | 420 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXX | 58251991 | XXX | XXX | XXX | XXX | XXX | CA | XXXXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | 468 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing Interest Rate and P&I appear related to the initial terms of the modification. | No |  |  |  |

---

## Exhibit 99.1

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Unique ID** | **Customer Loan ID** | **#** | **Document Type** | **Document Status** | **Document Date** | **New Maturity Date** | **Number of Months Extended** | **Number of Payments Deferred** | **Add'l Deferred Amount** | **Amount Due at Maturity** |
| XXX | 992297856 | XXX | 1 | Deferment | Complete | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX |
| XXX | 992298715 | XXX | 1 | Deferment | Complete | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX |
| XXX | 992298231 | XXX | 1 | Deferment | Complete | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX |

---

## Exhibit 99.1

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **GS loan number** | **Unique ID** | **Seller Loan ID** | **Servicing Loan ID** | **Rating** | **Type** | **Exception** | **Collection Comments** |
| XXX | XXX | 991738589 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, borrower noted that fiancé handles all the bills and will add them as an authorized person on the account. On XX/XX/XXXX, borrower discussed incorrect principal balance and due date. Updated the escrow analysis and new payment amount. Borrower stated that they are shopping around for flood insurance. On XX/XX/XXXX, the borrower discussed insurance claim check being endorsed. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Unspecified damage was noted on XX/XX/XXXX. On XX/XX/XXXX, borrower discussed claim check. On XX/XX/XXXX, borrower inquired on claim check endorsement. No indication of damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738589 | XXX | XXX | Critical | Current | [3] Property Damage - XX - No evidence of resolution | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, borrower noted that fiancé handles all the bills and will add them as an authorized person on the account. On XX/XX/XXXX, borrower discussed incorrect principal balance and due date. Updated the escrow analysis and new payment amount. Borrower stated that they are shopping around for flood insurance. On XX/XX/XXXX, the borrower discussed insurance claim check being endorsed. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Unspecified damage was noted on XX/XX/XXXX. On XX/XX/XXXX, borrower discussed claim check. On XX/XX/XXXX, borrower inquired on claim check endorsement. No indication of damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738589 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, borrower noted that fiancé handles all the bills and will add them as an authorized person on the account. On XX/XX/XXXX, borrower discussed incorrect principal balance and due date. Updated the escrow analysis and new payment amount. Borrower stated that they are shopping around for flood insurance. On XX/XX/XXXX, the borrower discussed insurance claim check being endorsed. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Unspecified damage was noted on XX/XX/XXXX. On XX/XX/XXXX, borrower discussed claim check. On XX/XX/XXXX, borrower inquired on claim check endorsement. No indication of damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738538 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower had a question about their insurance claim check. On XX/XX/XXXX, the borrower called in to update their insurance policy. On XX/XX/XXXX, the borrower scheduled a payment. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. On XX/XX/XXXX, the borrower needed assistance getting their hazard claim check endorsed. The type of property damage was not provided in the comments. The status of the property's repairs is unknown. Property repair is in process. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738538 | XXX | XXX | Critical | Current | [3] Property Damage - XX - No evidence of resolution | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower had a question about their insurance claim check. On XX/XX/XXXX, the borrower called in to update their insurance policy. On XX/XX/XXXX, the borrower scheduled a payment. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. On XX/XX/XXXX, the borrower needed assistance getting their hazard claim check endorsed. The type of property damage was not provided in the comments. The status of the property's repairs is unknown. Property repair is in process. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738538 | XXX | XXX | Non Critical | Current | [2] Occupancy - Non Owner Occupied | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower had a question about their insurance claim check. On XX/XX/XXXX, the borrower called in to update their insurance policy. On XX/XX/XXXX, the borrower scheduled a payment. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. On XX/XX/XXXX, the borrower needed assistance getting their hazard claim check endorsed. The type of property damage was not provided in the comments. The status of the property's repairs is unknown. Property repair is in process. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738538 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower had a question about their insurance claim check. On XX/XX/XXXX, the borrower called in to update their insurance policy. On XX/XX/XXXX, the borrower scheduled a payment. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. On XX/XX/XXXX, the borrower needed assistance getting their hazard claim check endorsed. The type of property damage was not provided in the comments. The status of the property's repairs is unknown. Property repair is in process. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738514 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower requested assistance with website and was aware of the mobile application. On XX/XX/XXXX, the borrower discussed account and requested assistance to log in to website. On XX/XX/XXXX, the borrower inquired on payment change details and escrow analysis. On XX/XX/XXXX, the borrower was advised of escrow shortage amount and that there would be no longer a shortage after the December payment processes. There was no further contact with the borrower. Loan was performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738514 | XXX | XXX | Non Critical | Current | [2] Occupancy - Non Owner Occupied | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower requested assistance with website and was aware of the mobile application. On XX/XX/XXXX, the borrower discussed account and requested assistance to log in to website. On XX/XX/XXXX, the borrower inquired on payment change details and escrow analysis. On XX/XX/XXXX, the borrower was advised of escrow shortage amount and that there would be no longer a shortage after the December payment processes. There was no further contact with the borrower. Loan was performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738514 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower requested assistance with website and was aware of the mobile application. On XX/XX/XXXX, the borrower discussed account and requested assistance to log in to website. On XX/XX/XXXX, the borrower inquired on payment change details and escrow analysis. On XX/XX/XXXX, the borrower was advised of escrow shortage amount and that there would be no longer a shortage after the December payment processes. There was no further contact with the borrower. Loan was performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738599 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower inquired about the loan's reinstatement amount. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower requested the loan's reinstatement amount. On XX/XX/XXXX, the borrower requested the loan's reinstatement amount. On XX/XX/XXXX, the borrower had an account related inquiry. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is evidence of title issues with the property. Comments, dated XX/XX/XXXX, reflects a city lien is on title that holds super priority status. As of the review date, there is no indication that the lien issue has been resolved.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738599 | XXX | XXX | Non Critical | Current | [2] Occupancy - Non Owner Occupied | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower inquired about the loan's reinstatement amount. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower requested the loan's reinstatement amount. On XX/XX/XXXX, the borrower requested the loan's reinstatement amount. On XX/XX/XXXX, the borrower had an account related inquiry. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is evidence of title issues with the property. Comments, dated XX/XX/XXXX, reflects a city lien is on title that holds super priority status. As of the review date, there is no indication that the lien issue has been resolved.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738599 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower inquired about the loan's reinstatement amount. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower requested the loan's reinstatement amount. On XX/XX/XXXX, the borrower requested the loan's reinstatement amount. On XX/XX/XXXX, the borrower had an account related inquiry. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is evidence of title issues with the property. Comments, dated XX/XX/XXXX, reflects a city lien is on title that holds super priority status. As of the review date, there is no indication that the lien issue has been resolved.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738599 | XXX | XXX | Critical | Current | [3] Loan has evidence of title issue(s). | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower inquired about the loan's reinstatement amount. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower requested the loan's reinstatement amount. On XX/XX/XXXX, the borrower requested the loan's reinstatement amount. On XX/XX/XXXX, the borrower had an account related inquiry. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is evidence of title issues with the property. Comments, dated XX/XX/XXXX, reflects a city lien is on title that holds super priority status. As of the review date, there is no indication that the lien issue has been resolved.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738765 | XXX | XXX | Non Critical | Current | [2] Property is located in a XX disaster area. | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower inquired on payment change and went over the escrow change. Borrower was upset and argumentative. Borrower stated that they requested their payment history XX times and was refused each time. On XX/XX/XXXX, the borrower stated that they are waiting on payment history and was concerned on the payment amount. Advised the borrower of escrow shortage and borrower started to use abusive language. On XX/XX/XXXX, the borrower called about payment increase. On XX/XX/XXXX, the borrower inquired on insurance information and payment history and stated that they have requested payment history multiple times and no one has sent them the history. On XX/XX/XXXX, borrower inquired on insurance claim check that they sent to get endorsed. Borrower also discussed account. On XX/XX/XXXX, borrower discussed loss mitigation information and HUD. Borrower stated that they would make a payment on XX/XX/XXXX. On XX/XX/XXXX, the borrower discussed payoff and intends to bring the account current soon. Borrower stated that they would wire funds on XX/XX/XXXX. On XX/XX/XXXX, borrower made a payment. On XX/XX/XXXX, the borrower requested information on getting insurance check endorsed. On XX/XX/XXXX, provided telephone number for insurance processing and was transferred to loss draft. On XX/XX/XXXX, the borrower stated that they intend to payoff the account by XX/XX/XXXX. On XX/XX/XXXX, the borrower stated that they have been in contact with loss draft regarding claim. On XX/XX/XXXX, the borrower made a payment. On XX/XX/XXXX, the borrower was advised that late fees should be refunded. On XX/XX/XXXX, the borrower discussed overdue payment and was upset when foreclosure was mentioned. On XX/XX/XXXX, the borrower made a payment and advised that they were out of town. On XX/XX/XXXX, borrower wanted to confirm online payment. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Unspecified damage was first noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower inquired on insurance claim check that they sent to get endorsed. On XX/XX/XXXX borrower inquired on information about check endorsement. On XX/XX/XXXX, borrower was transferred to loss draft. On XX/XX/XXXX, borrower noted that they are waiting on inspection to be done. On XX/XX/XXXX, borrower inquired on loss draft claim. No indication of damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: Property was impacted by the XX disaster of California wildfires and straight-line winds (XXX), which was declared on XX/XX/XXXX. Unspecified damage first noted on XX/XX/XXXX, prior to XX disaster. |
| XXX | XXX | 991738765 | XXX | XXX | Critical | Current | [3] Property Damage - XX - No evidence of resolution | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower inquired on payment change and went over the escrow change. Borrower was upset and argumentative. Borrower stated that they requested their payment history XX times and was refused each time. On XX/XX/XXXX, the borrower stated that they are waiting on payment history and was concerned on the payment amount. Advised the borrower of escrow shortage and borrower started to use abusive language. On XX/XX/XXXX, the borrower called about payment increase. On XX/XX/XXXX, the borrower inquired on insurance information and payment history and stated that they have requested payment history multiple times and no one has sent them the history. On XX/XX/XXXX, borrower inquired on insurance claim check that they sent to get endorsed. Borrower also discussed account. On XX/XX/XXXX, borrower discussed loss mitigation information and HUD. Borrower stated that they would make a payment on XX/XX/XXXX. On XX/XX/XXXX, the borrower discussed payoff and intends to bring the account current soon. Borrower stated that they would wire funds on XX/XX/XXXX. On XX/XX/XXXX, borrower made a payment. On XX/XX/XXXX, the borrower requested information on getting insurance check endorsed. On XX/XX/XXXX, provided telephone number for insurance processing and was transferred to loss draft. On XX/XX/XXXX, the borrower stated that they intend to payoff the account by XX/XX/XXXX. On XX/XX/XXXX, the borrower stated that they have been in contact with loss draft regarding claim. On XX/XX/XXXX, the borrower made a payment. On XX/XX/XXXX, the borrower was advised that late fees should be refunded. On XX/XX/XXXX, the borrower discussed overdue payment and was upset when foreclosure was mentioned. On XX/XX/XXXX, the borrower made a payment and advised that they were out of town. On XX/XX/XXXX, borrower wanted to confirm online payment. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Unspecified damage was first noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower inquired on insurance claim check that they sent to get endorsed. On XX/XX/XXXX borrower inquired on information about check endorsement. On XX/XX/XXXX, borrower was transferred to loss draft. On XX/XX/XXXX, borrower noted that they are waiting on inspection to be done. On XX/XX/XXXX, borrower inquired on loss draft claim. No indication of damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: Property was impacted by the XX disaster of California wildfires and straight-line winds (XXX), which was declared on XX/XX/XXXX. Unspecified damage first noted on XX/XX/XXXX, prior to XX disaster. |
| XXX | XXX | 991738765 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower inquired on payment change and went over the escrow change. Borrower was upset and argumentative. Borrower stated that they requested their payment history XX times and was refused each time. On XX/XX/XXXX, the borrower stated that they are waiting on payment history and was concerned on the payment amount. Advised the borrower of escrow shortage and borrower started to use abusive language. On XX/XX/XXXX, the borrower called about payment increase. On XX/XX/XXXX, the borrower inquired on insurance information and payment history and stated that they have requested payment history multiple times and no one has sent them the history. On XX/XX/XXXX, borrower inquired on insurance claim check that they sent to get endorsed. Borrower also discussed account. On XX/XX/XXXX, borrower discussed loss mitigation information and HUD. Borrower stated that they would make a payment on XX/XX/XXXX. On XX/XX/XXXX, the borrower discussed payoff and intends to bring the account current soon. Borrower stated that they would wire funds on XX/XX/XXXX. On XX/XX/XXXX, borrower made a payment. On XX/XX/XXXX, the borrower requested information on getting insurance check endorsed. On XX/XX/XXXX, provided telephone number for insurance processing and was transferred to loss draft. On XX/XX/XXXX, the borrower stated that they intend to payoff the account by XX/XX/XXXX. On XX/XX/XXXX, the borrower stated that they have been in contact with loss draft regarding claim. On XX/XX/XXXX, the borrower made a payment. On XX/XX/XXXX, the borrower was advised that late fees should be refunded. On XX/XX/XXXX, the borrower discussed overdue payment and was upset when foreclosure was mentioned. On XX/XX/XXXX, the borrower made a payment and advised that they were out of town. On XX/XX/XXXX, borrower wanted to confirm online payment. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Unspecified damage was first noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower inquired on insurance claim check that they sent to get endorsed. On XX/XX/XXXX borrower inquired on information about check endorsement. On XX/XX/XXXX, borrower was transferred to loss draft. On XX/XX/XXXX, borrower noted that they are waiting on inspection to be done. On XX/XX/XXXX, borrower inquired on loss draft claim. No indication of damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: Property was impacted by the XX disaster of California wildfires and straight-line winds (XXX), which was declared on XX/XX/XXXX. Unspecified damage first noted on XX/XX/XXXX, prior to XX disaster. |
| XXX | XXX | 991738765 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower inquired on payment change and went over the escrow change. Borrower was upset and argumentative. Borrower stated that they requested their payment history XX times and was refused each time. On XX/XX/XXXX, the borrower stated that they are waiting on payment history and was concerned on the payment amount. Advised the borrower of escrow shortage and borrower started to use abusive language. On XX/XX/XXXX, the borrower called about payment increase. On XX/XX/XXXX, the borrower inquired on insurance information and payment history and stated that they have requested payment history multiple times and no one has sent them the history. On XX/XX/XXXX, borrower inquired on insurance claim check that they sent to get endorsed. Borrower also discussed account. On XX/XX/XXXX, borrower discussed loss mitigation information and HUD. Borrower stated that they would make a payment on XX/XX/XXXX. On XX/XX/XXXX, the borrower discussed payoff and intends to bring the account current soon. Borrower stated that they would wire funds on XX/XX/XXXX. On XX/XX/XXXX, borrower made a payment. On XX/XX/XXXX, the borrower requested information on getting insurance check endorsed. On XX/XX/XXXX, provided telephone number for insurance processing and was transferred to loss draft. On XX/XX/XXXX, the borrower stated that they intend to payoff the account by XX/XX/XXXX. On XX/XX/XXXX, the borrower stated that they have been in contact with loss draft regarding claim. On XX/XX/XXXX, the borrower made a payment. On XX/XX/XXXX, the borrower was advised that late fees should be refunded. On XX/XX/XXXX, the borrower discussed overdue payment and was upset when foreclosure was mentioned. On XX/XX/XXXX, the borrower made a payment and advised that they were out of town. On XX/XX/XXXX, borrower wanted to confirm online payment. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Unspecified damage was first noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower inquired on insurance claim check that they sent to get endorsed. On XX/XX/XXXX borrower inquired on information about check endorsement. On XX/XX/XXXX, borrower was transferred to loss draft. On XX/XX/XXXX, borrower noted that they are waiting on inspection to be done. On XX/XX/XXXX, borrower inquired on loss draft claim. No indication of damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: Property was impacted by the XX disaster of California wildfires and straight-line winds (XXX), which was declared on XX/XX/XXXX. Unspecified damage first noted on XX/XX/XXXX, prior to XX disaster. |
| XXX | XXX | 991738959 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, borrower inquired on escrow refund check. Borrower thought it was supposed to be for $XX but advised the borrower that the refund was for $XX. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738959 | XXX | XXX | Non Critical | Current | [2] Occupancy - Non Owner Occupied | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, borrower inquired on escrow refund check. Borrower thought it was supposed to be for $XX but advised the borrower that the refund was for $XX. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738959 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, borrower inquired on escrow refund check. Borrower thought it was supposed to be for $XX but advised the borrower that the refund was for $XX. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738910 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower discussed escrow analysis and shortage. Borrower stated that they were looking to find cheaper insurance. On XX/XX/XXXX, borrower wanted to discuss escrow and shortage. On XX/XX/XXXX, the borrower was advised that the only way to change the payment is to have a new escrow analysis done. Borrower became frustrated. On XX/XX/XXXX, the borrower discussed account and placed the call on hold. Call was disconnected. On XX/XX/XXXX, the borrower stated that tenant evacuated due to hurricane. Forbearance plan was noted on XX/XX/XXXX to be from XX/XXXX to XX/XXXX. On XX/XX/XXXX, borrower was advised of forbearance plan. On XX/XX/XXXX, borrower wanted to know when the forbearance ended and what options were available on the account. On XX/XX/XXXX, the borrower discussed forbearance and made a payment. Borrower stated that they are still experiencing hardship. On XX/XX/XXXX, the borrower discussed forbearance coming to an end and requested another plan. Borrower accepted verbal plan with first payment due date of XX/XX/XXXX. On XX/XX/XXXX, borrower discussed plan and will make a payment online. On XX/XX/XXXX, borrower discussed account and web payment was received. On XX/XX/XXXX, borrower inquired on how to do a name change and made a payment. On XX/XX/XXXX, borrower stated that this account should not be in their personal name and should be under their business name. Borrower stated that this account should not be reported in their name. Borrower made a payment. On XX/XX/XXXX, the borrower stated that the account should only be under the business name and that information should not be reported to the credit bureaus. On XX/XX/XXXX, the borrower made a payment and borrower inquired on extension letter that they received. Dispute resolution letter was also noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower discussed account. On XX/XX/XXXX, the borrower requested the 1098 document. On XX/XX/XXXX, the borrower made a payment. On XX/XX/XXXX, the borrower called for the other account. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738910 | XXX | XXX | Non Critical | Current | [2] Occupancy - Non Owner Occupied | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower discussed escrow analysis and shortage. Borrower stated that they were looking to find cheaper insurance. On XX/XX/XXXX, borrower wanted to discuss escrow and shortage. On XX/XX/XXXX, the borrower was advised that the only way to change the payment is to have a new escrow analysis done. Borrower became frustrated. On XX/XX/XXXX, the borrower discussed account and placed the call on hold. Call was disconnected. On XX/XX/XXXX, the borrower stated that tenant evacuated due to hurricane. Forbearance plan was noted on XX/XX/XXXX to be from XX/XXXX to XX/XXXX. On XX/XX/XXXX, borrower was advised of forbearance plan. On XX/XX/XXXX, borrower wanted to know when the forbearance ended and what options were available on the account. On XX/XX/XXXX, the borrower discussed forbearance and made a payment. Borrower stated that they are still experiencing hardship. On XX/XX/XXXX, the borrower discussed forbearance coming to an end and requested another plan. Borrower accepted verbal plan with first payment due date of XX/XX/XXXX. On XX/XX/XXXX, borrower discussed plan and will make a payment online. On XX/XX/XXXX, borrower discussed account and web payment was received. On XX/XX/XXXX, borrower inquired on how to do a name change and made a payment. On XX/XX/XXXX, borrower stated that this account should not be in their personal name and should be under their business name. Borrower stated that this account should not be reported in their name. Borrower made a payment. On XX/XX/XXXX, the borrower stated that the account should only be under the business name and that information should not be reported to the credit bureaus. On XX/XX/XXXX, the borrower made a payment and borrower inquired on extension letter that they received. Dispute resolution letter was also noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower discussed account. On XX/XX/XXXX, the borrower requested the 1098 document. On XX/XX/XXXX, the borrower made a payment. On XX/XX/XXXX, the borrower called for the other account. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738910 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower discussed escrow analysis and shortage. Borrower stated that they were looking to find cheaper insurance. On XX/XX/XXXX, borrower wanted to discuss escrow and shortage. On XX/XX/XXXX, the borrower was advised that the only way to change the payment is to have a new escrow analysis done. Borrower became frustrated. On XX/XX/XXXX, the borrower discussed account and placed the call on hold. Call was disconnected. On XX/XX/XXXX, the borrower stated that tenant evacuated due to hurricane. Forbearance plan was noted on XX/XX/XXXX to be from XX/XXXX to XX/XXXX. On XX/XX/XXXX, borrower was advised of forbearance plan. On XX/XX/XXXX, borrower wanted to know when the forbearance ended and what options were available on the account. On XX/XX/XXXX, the borrower discussed forbearance and made a payment. Borrower stated that they are still experiencing hardship. On XX/XX/XXXX, the borrower discussed forbearance coming to an end and requested another plan. Borrower accepted verbal plan with first payment due date of XX/XX/XXXX. On XX/XX/XXXX, borrower discussed plan and will make a payment online. On XX/XX/XXXX, borrower discussed account and web payment was received. On XX/XX/XXXX, borrower inquired on how to do a name change and made a payment. On XX/XX/XXXX, borrower stated that this account should not be in their personal name and should be under their business name. Borrower stated that this account should not be reported in their name. Borrower made a payment. On XX/XX/XXXX, the borrower stated that the account should only be under the business name and that information should not be reported to the credit bureaus. On XX/XX/XXXX, the borrower made a payment and borrower inquired on extension letter that they received. Dispute resolution letter was also noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower discussed account. On XX/XX/XXXX, the borrower requested the 1098 document. On XX/XX/XXXX, the borrower made a payment. On XX/XX/XXXX, the borrower called for the other account. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991739199 | XXX | XXX | Critical | Current | [3] Property Damage - XXX - No evidence of resolution | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower advised that they mailed a payment and was advised of the payment not being received. Advised them that they could make a payment over the phone. Borrower request an e-mail and call once the payment is located. On XX/XX/XXXX, the borrower requested assistance with online account. On XX/XX/XXXX, the borrower noted a claim being filed and that they received a claim check. Borrower requested information on how to get the claim check endorsed. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Unspecified damage was noted on XX/XX/XXXX. On XX/XX/XXXX, borrower noted that claim was filed and claim check was received and needed it endorsed. No indication of claim check being received or damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991739199 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower advised that they mailed a payment and was advised of the payment not being received. Advised them that they could make a payment over the phone. Borrower request an e-mail and call once the payment is located. On XX/XX/XXXX, the borrower requested assistance with online account. On XX/XX/XXXX, the borrower noted a claim being filed and that they received a claim check. Borrower requested information on how to get the claim check endorsed. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Unspecified damage was noted on XX/XX/XXXX. On XX/XX/XXXX, borrower noted that claim was filed and claim check was received and needed it endorsed. No indication of claim check being received or damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991739199 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower advised that they mailed a payment and was advised of the payment not being received. Advised them that they could make a payment over the phone. Borrower request an e-mail and call once the payment is located. On XX/XX/XXXX, the borrower requested assistance with online account. On XX/XX/XXXX, the borrower noted a claim being filed and that they received a claim check. Borrower requested information on how to get the claim check endorsed. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Unspecified damage was noted on XX/XX/XXXX. On XX/XX/XXXX, borrower noted that claim was filed and claim check was received and needed it endorsed. No indication of claim check being received or damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738839 | XXX | XXX | Non Critical | Current | [2] Current Status - Delinquent | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower stated they were experiencing financial hardship and promised to make a payment. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower inquired about a repayment plan. On XX/XX/XXXX, the borrower had an escrow related inquiry. On XX/XX/XXXX, the borrower made a promise to pay. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower made a promise to pay. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower made a promise to pay. On XX/XX/XXXX, the borrower had an insurance related inquiry. There was no further contact noted. The loan is 30 days delinquent.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is evidence of litigation on the file. This matter in Fulton County, GA was an Eminent Domain matter. A case where the Georgia Department of Transportation took a permanent easement over an undeveloped portion of the borrower's property consisting of a XX acre wooded area between the back yard and S.R. 120. The taking will not likely impact the value of the remaining land, and GDOT has tendered $XX to the Court, based on an appraisal ordered by GDOT. We determined reasonable for an easement across and undeveloped edge of the property that will not significantly impact the remainder of the property. As of XX/XX/XXXX, the issue is resolved.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: The subject property is located in an area declared a XX disaster area (XX), due to Hurricane Helene, on XX/XX/XXXX. There is no evidence of property damage. |
| XXX | XXX | 991738839 | XXX | XXX | Critical | Current | [3] Loan exhibits evidence of litigation. | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower stated they were experiencing financial hardship and promised to make a payment. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower inquired about a repayment plan. On XX/XX/XXXX, the borrower had an escrow related inquiry. On XX/XX/XXXX, the borrower made a promise to pay. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower made a promise to pay. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower made a promise to pay. On XX/XX/XXXX, the borrower had an insurance related inquiry. There was no further contact noted. The loan is 30 days delinquent.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is evidence of litigation on the file. This matter in Fulton County, GA was an Eminent Domain matter. A case where the Georgia Department of Transportation took a permanent easement over an undeveloped portion of the borrower's property consisting of a XX acre wooded area between the back yard and S.R. 120. The taking will not likely impact the value of the remaining land, and GDOT has tendered $XX to the Court, based on an appraisal ordered by GDOT. We determined reasonable for an easement across and undeveloped edge of the property that will not significantly impact the remainder of the property. As of XX/XX/XXXX, the issue is resolved.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: The subject property is located in an area declared a XX disaster area (XX), due to Hurricane Helene, on XX/XX/XXXX. There is no evidence of property damage. |
| XXX | XXX | 991738540 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower wanted to cancel automated payments because they were a victim of fraud. On XX/XX/XXXX, the borrower discussed account. On XX/XX/XXXX, the borrower requested mortgage assistance due to property damage from a hurricane. Borrower stated that they did not want to file a claim for fear of insurance deductible increasing. On XX/XX/XXXX, the borrower declined loss mitigation options and noted reason for delinquency as extended problems. On XX/XX/XXXX, borrower made a payment. On XX/XX/XXXX, the borrower stated that they would make a payment today on the mobile application. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is other natural causes. Hurricane damage was noted on XX/XX/XXXX. On XX/XX/XXXX, borrower noted damage due to hurricane. Borrower also did not want to file a claim for fear of insurance deductible increasing. No indication of damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738540 | XXX | XXX | Non Critical | Current | [2] Occupancy - Non Owner Occupied | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower wanted to cancel automated payments because they were a victim of fraud. On XX/XX/XXXX, the borrower discussed account. On XX/XX/XXXX, the borrower requested mortgage assistance due to property damage from a hurricane. Borrower stated that they did not want to file a claim for fear of insurance deductible increasing. On XX/XX/XXXX, the borrower declined loss mitigation options and noted reason for delinquency as extended problems. On XX/XX/XXXX, borrower made a payment. On XX/XX/XXXX, the borrower stated that they would make a payment today on the mobile application. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is other natural causes. Hurricane damage was noted on XX/XX/XXXX. On XX/XX/XXXX, borrower noted damage due to hurricane. Borrower also did not want to file a claim for fear of insurance deductible increasing. No indication of damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738540 | XXX | XXX | Critical | Current | [3] Property Damage - Other Natural Causes - No evidence of resolution | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower wanted to cancel automated payments because they were a victim of fraud. On XX/XX/XXXX, the borrower discussed account. On XX/XX/XXXX, the borrower requested mortgage assistance due to property damage from a hurricane. Borrower stated that they did not want to file a claim for fear of insurance deductible increasing. On XX/XX/XXXX, the borrower declined loss mitigation options and noted reason for delinquency as extended problems. On XX/XX/XXXX, borrower made a payment. On XX/XX/XXXX, the borrower stated that they would make a payment today on the mobile application. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is other natural causes. Hurricane damage was noted on XX/XX/XXXX. On XX/XX/XXXX, borrower noted damage due to hurricane. Borrower also did not want to file a claim for fear of insurance deductible increasing. No indication of damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738540 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower wanted to cancel automated payments because they were a victim of fraud. On XX/XX/XXXX, the borrower discussed account. On XX/XX/XXXX, the borrower requested mortgage assistance due to property damage from a hurricane. Borrower stated that they did not want to file a claim for fear of insurance deductible increasing. On XX/XX/XXXX, the borrower declined loss mitigation options and noted reason for delinquency as extended problems. On XX/XX/XXXX, borrower made a payment. On XX/XX/XXXX, the borrower stated that they would make a payment today on the mobile application. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is other natural causes. Hurricane damage was noted on XX/XX/XXXX. On XX/XX/XXXX, borrower noted damage due to hurricane. Borrower also did not want to file a claim for fear of insurance deductible increasing. No indication of damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738731 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. Loan was reinstated on XX/XX/XXXX and foreclosure was dismissed on XX/XX/XXXX. On XX/XX/XXXX, the borrower noted that they were impacted by natural disaster on XX/XX/XXXX and requested forbearance. On XX/XX/XXXX, the borrower discussed account and made a payment. On XX/XX/XXXX, the borrower stated that they would be keeping lender placed insurance. On XX/XX/XXXX, the borrower stated that they did not want to go over the loan. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738731 | XXX | XXX | Non Critical | Current | [2] Occupancy - Non Owner Occupied | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. Loan was reinstated on XX/XX/XXXX and foreclosure was dismissed on XX/XX/XXXX. On XX/XX/XXXX, the borrower noted that they were impacted by natural disaster on XX/XX/XXXX and requested forbearance. On XX/XX/XXXX, the borrower discussed account and made a payment. On XX/XX/XXXX, the borrower stated that they would be keeping lender placed insurance. On XX/XX/XXXX, the borrower stated that they did not want to go over the loan. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738731 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. Loan was reinstated on XX/XX/XXXX and foreclosure was dismissed on XX/XX/XXXX. On XX/XX/XXXX, the borrower noted that they were impacted by natural disaster on XX/XX/XXXX and requested forbearance. On XX/XX/XXXX, the borrower discussed account and made a payment. On XX/XX/XXXX, the borrower stated that they would be keeping lender placed insurance. On XX/XX/XXXX, the borrower stated that they did not want to go over the loan. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738771 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower set up a payment. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower made a promise to pay. On XX/XX/XXXX, the borrower stated they were experiencing excessive obligations and made a promise to pay. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower had an escrow payment inquiry. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower had a question about their escrow payment. On XX/XX/XXXX, the borrower had a question about their escrow payment. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738771 | XXX | XXX | Non Critical | Current | [2] Occupancy - Non Owner Occupied | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower set up a payment. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower made a promise to pay. On XX/XX/XXXX, the borrower stated they were experiencing excessive obligations and made a promise to pay. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower had an escrow payment inquiry. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower had a question about their escrow payment. On XX/XX/XXXX, the borrower had a question about their escrow payment. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738771 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower set up a payment. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower made a promise to pay. On XX/XX/XXXX, the borrower stated they were experiencing excessive obligations and made a promise to pay. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower had an escrow payment inquiry. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower had a question about their escrow payment. On XX/XX/XXXX, the borrower had a question about their escrow payment. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 55780046 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower inquired on ACH status and monthly payment. On XX/XX/XXXX, the borrower requested assistance with getting 1098 document. Borrower stated that they would call back for bi-weekly. On XX/XX/XXXX, the borrower was advised that automated payments were not set-up for ci-weekly payments. Borrower made payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, borrower set-up automated payments. On XX/XX/XXXX, the borrower discussed account. On XX/XX/XXXX, authorized third party discussed account. On XX/XX/XXXX, borrower discussed automated payments. On XX/XX/XXXX, the borrower made a payment. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: Property was impacted by FEMA disaster of Texas hurricane Beryl (XX), which was declared on XX/XX/XXXX. Property was impacted by FEMA disaster of Texas severe storms, straight-line winds, tornadoes and flooding (XX), which was declared on XX/XX/XXXX. No property damage was noted. |
| XXX | XXX | 55780046 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower inquired on ACH status and monthly payment. On XX/XX/XXXX, the borrower requested assistance with getting 1098 document. Borrower stated that they would call back for bi-weekly. On XX/XX/XXXX, the borrower was advised that automated payments were not set-up for ci-weekly payments. Borrower made payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, borrower set-up automated payments. On XX/XX/XXXX, the borrower discussed account. On XX/XX/XXXX, authorized third party discussed account. On XX/XX/XXXX, borrower discussed automated payments. On XX/XX/XXXX, the borrower made a payment. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: Property was impacted by FEMA disaster of Texas hurricane Beryl (XX), which was declared on XX/XX/XXXX. Property was impacted by FEMA disaster of Texas severe storms, straight-line winds, tornadoes and flooding (XX), which was declared on XX/XX/XXXX. No property damage was noted. |
| XXX | XXX | 57561516 | XXX | XXX | Non Critical | Current | [2] Current Status - Delinquent | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower made a payment. On XX/XX/XXXX, the borrower discussed account. On XX/XX/XXXX, the borrower discussed payment and noted reason for delinquency as extended problems. On XX/XX/XXXX, the borrower stated that they would mail in a payment on Friday and stated that tenant has not been paying for 2 months. On XX/XX/XXXX, the borrower tried to make 2 payments but was advised that it could not be accepted due to being in foreclosure status. Advised them that a full reinstatement is needed. Borrower noted reason for delinquency as extended problems. On XX/XX/XXXX, borrower requested mortgage assistance and to make a payment. On XX/XX/XXXX, borrower stated that they made a payment. Advised them that payment was returned. On XX/XX/XXXX, borrower made a payment and was advised of 1099 document being delivered. On XX/XX/XXXX, borrower stated that the made January's payment. Advised them that the payment was applied to November and the payment made in February was returned. Advised them that a reinstatement amount would be needed. Borrower noted that tenants have not been paying rent, that they have been sick and that they have been having issues accessing the website. On XX/XX/XXXX,l the borrower requested the reinstatement quote. Borrower was advised that the reinstatement would need to be received by bank wire. On XX/XX/XXXX, borrower requested the payment address. Foreclosure was dismissed on XX/XX/XXXX. On XX/XX/XXXX, borrower discussed account. Loan re-entered foreclosure on XX/XX/XXXX. On XX/XX/XXXX, the borrower wanted to make a payment but was advised that a reinstatement would be needed due to being in foreclosure. On XX/XX/XXXX, the borrower was advised of needing reinstatement amount. Borrower requested reinstatement quote. On XX/XX/XXXX, borrower discussed reinstatement. Foreclosure was dismissed on XX/XX/XXXX. On XX/XX/XXXX, the borrower stated that they would make a payment before the 15th of the month. On XX/XX/XXXX, the borrower made a payment and noted that reason for delinquency was due to extended problems. Foreclosure was opened on XX/XX/XXXX. On XX/XX/XXXX, the borrower noted that they would mail in a money order tomorrow and noted reason for delinquency as excessive obligations. Foreclosure was dismissed on XX/XX/XXXX. On XX/XX/XXXX, borrower stated that they would send a cashier's check for May and June and noted reason for delinquency as extended problems. On XX/XX/XXXX, the borrower discussed account. On XX/XX/XXXX, the borrower discussed monthly payment and next due date. On XX/XX/XXXX, the borrower discussed delinquent balance, assistance and noted reason for delinquency as extended problems. There was no further contact with the borrower. Loan is 30 days delinquent and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 57561516 | XXX | XXX | Non Critical | Current | [2] Occupancy - Non Owner Occupied | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower made a payment. On XX/XX/XXXX, the borrower discussed account. On XX/XX/XXXX, the borrower discussed payment and noted reason for delinquency as extended problems. On XX/XX/XXXX, the borrower stated that they would mail in a payment on Friday and stated that tenant has not been paying for 2 months. On XX/XX/XXXX, the borrower tried to make 2 payments but was advised that it could not be accepted due to being in foreclosure status. Advised them that a full reinstatement is needed. Borrower noted reason for delinquency as extended problems. On XX/XX/XXXX, borrower requested mortgage assistance and to make a payment. On XX/XX/XXXX, borrower stated that they made a payment. Advised them that payment was returned. On XX/XX/XXXX, borrower made a payment and was advised of 1099 document being delivered. On XX/XX/XXXX, borrower stated that the made January's payment. Advised them that the payment was applied to November and the payment made in February was returned. Advised them that a reinstatement amount would be needed. Borrower noted that tenants have not been paying rent, that they have been sick and that they have been having issues accessing the website. On XX/XX/XXXX,l the borrower requested the reinstatement quote. Borrower was advised that the reinstatement would need to be received by bank wire. On XX/XX/XXXX, borrower requested the payment address. Foreclosure was dismissed on XX/XX/XXXX. On XX/XX/XXXX, borrower discussed account. Loan re-entered foreclosure on XX/XX/XXXX. On XX/XX/XXXX, the borrower wanted to make a payment but was advised that a reinstatement would be needed due to being in foreclosure. On XX/XX/XXXX, the borrower was advised of needing reinstatement amount. Borrower requested reinstatement quote. On XX/XX/XXXX, borrower discussed reinstatement. Foreclosure was dismissed on XX/XX/XXXX. On XX/XX/XXXX, the borrower stated that they would make a payment before the 15th of the month. On XX/XX/XXXX, the borrower made a payment and noted that reason for delinquency was due to extended problems. Foreclosure was opened on XX/XX/XXXX. On XX/XX/XXXX, the borrower noted that they would mail in a money order tomorrow and noted reason for delinquency as excessive obligations. Foreclosure was dismissed on XX/XX/XXXX. On XX/XX/XXXX, borrower stated that they would send a cashier's check for May and June and noted reason for delinquency as extended problems. On XX/XX/XXXX, the borrower discussed account. On XX/XX/XXXX, the borrower discussed monthly payment and next due date. On XX/XX/XXXX, the borrower discussed delinquent balance, assistance and noted reason for delinquency as extended problems. There was no further contact with the borrower. Loan is 30 days delinquent and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738440 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: During the review period, there were no contact attempts and no contact with the borrower. Loan is performing and next due for XX/XX/XXXX. |
| XXX | XXX | 991738440 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: During the review period, there were no contact attempts and no contact with the borrower. Loan is performing and next due for XX/XX/XXXX. |
| XXX | XXX | 54958118 | XXX | XXX | Critical | Current | [3] Property Damage - XXX - No evidence of resolution | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower inquired on information on how to send endorsed claim check. On XX/XX/XXXX and XX/XX/XXXX, the borrower followed up on this. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Unspecified damage was noted on XX/XX/XXXX. On XX/XX/XXXX, borrower called to get information on sending endorsed check. Borrower inquired again on XX/XX/XXXX and XX/XX/XXXX. No indication of claim check being received or damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 54958118 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower inquired on information on how to send endorsed claim check. On XX/XX/XXXX and XX/XX/XXXX, the borrower followed up on this. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Unspecified damage was noted on XX/XX/XXXX. On XX/XX/XXXX, borrower called to get information on sending endorsed check. Borrower inquired again on XX/XX/XXXX and XX/XX/XXXX. No indication of claim check being received or damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 54958118 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower inquired on information on how to send endorsed claim check. On XX/XX/XXXX and XX/XX/XXXX, the borrower followed up on this. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Unspecified damage was noted on XX/XX/XXXX. On XX/XX/XXXX, borrower called to get information on sending endorsed check. Borrower inquired again on XX/XX/XXXX and XX/XX/XXXX. No indication of claim check being received or damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 55969736 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower made a promise to pay. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower had a question about getting their claim check endorsed. On XX/XX/XXXX, the borrower had a payment related inquiry. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Comments, dated XX/XX/XXXX, indicate that the borrower had a claim check that needed to be endorsed. The comments did not provide any additional details about the loss draft claim or type of damages. The status of the repairs is unknown. Property repair is in process. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: Comments, dated XX/XX/XXXX, reflect the subject property is located in an area declared a XX disaster area, due to Hurricane Milton. No FEMA Designation was provided in the comments. There is no evidence of property damage. |
| XXX | XXX | 55969736 | XXX | XXX | Critical | Current | [3] Property Damage - XXX - No evidence of resolution | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower made a promise to pay. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower had a question about getting their claim check endorsed. On XX/XX/XXXX, the borrower had a payment related inquiry. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Comments, dated XX/XX/XXXX, indicate that the borrower had a claim check that needed to be endorsed. The comments did not provide any additional details about the loss draft claim or type of damages. The status of the repairs is unknown. Property repair is in process. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: Comments, dated XX/XX/XXXX, reflect the subject property is located in an area declared a XX disaster area, due to Hurricane Milton. No FEMA Designation was provided in the comments. There is no evidence of property damage. |
| XXX | XXX | 55969736 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower made a promise to pay. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower had a question about getting their claim check endorsed. On XX/XX/XXXX, the borrower had a payment related inquiry. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Comments, dated XX/XX/XXXX, indicate that the borrower had a claim check that needed to be endorsed. The comments did not provide any additional details about the loss draft claim or type of damages. The status of the repairs is unknown. Property repair is in process. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: Comments, dated XX/XX/XXXX, reflect the subject property is located in an area declared a XX disaster area, due to Hurricane Milton. No FEMA Designation was provided in the comments. There is no evidence of property damage. |
| XXX | XXX | 54085064 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower requested an account update. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Comments, dated XX/XX/XXXX, indicate a loss draft claim was filed, due to unspecified damages. As of the review date, there is no indication that the loss draft claim has been closed or that repairs are XX% completed. Property repair is in process. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: The subject property is located in an area declared a XX disaster area (XX), on XX/XX/XXXX, due to Hurricane Helene. There is no evidence of property damage. |
| XXX | XXX | 54085064 | XXX | XXX | Critical | Current | [3] Property Damage - XXX - No evidence of resolution | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower requested an account update. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Comments, dated XX/XX/XXXX, indicate a loss draft claim was filed, due to unspecified damages. As of the review date, there is no indication that the loss draft claim has been closed or that repairs are XX% completed. Property repair is in process. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: The subject property is located in an area declared a XX disaster area (XX), on XX/XX/XXXX, due to Hurricane Helene. There is no evidence of property damage. |
| XXX | XXX | 54085064 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower requested an account update. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Comments, dated XX/XX/XXXX, indicate a loss draft claim was filed, due to unspecified damages. As of the review date, there is no indication that the loss draft claim has been closed or that repairs are XX% completed. Property repair is in process. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: The subject property is located in an area declared a XX disaster area (XX), on XX/XX/XXXX, due to Hurricane Helene. There is no evidence of property damage. |
| XXX | XXX | 52304443 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower had questions regarding taxes. On XX/XX/XXXX, the borrower followed up on taxes and the was an incorrect tax identification number on the tax bill. The borrower stated that they would contact the county to have it corrected. On XX/XX/XXXX and XX/XX/XXXX, the borrower followed up on tax issue. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 52304443 | XXX | XXX | Non Critical | Current | [2] Occupancy - Non Owner Occupied | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower had questions regarding taxes. On XX/XX/XXXX, the borrower followed up on taxes and the was an incorrect tax identification number on the tax bill. The borrower stated that they would contact the county to have it corrected. On XX/XX/XXXX and XX/XX/XXXX, the borrower followed up on tax issue. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 52304443 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower had questions regarding taxes. On XX/XX/XXXX, the borrower followed up on taxes and the was an incorrect tax identification number on the tax bill. The borrower stated that they would contact the county to have it corrected. On XX/XX/XXXX and XX/XX/XXXX, the borrower followed up on tax issue. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738629 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower had a loss draft inquiry. On XX/XX/XXXX, the borrower had a loss draft inquiry. On XX/XX/XXXX, the borrower had a loss draft inquiry. On XX/XX/XXXX, the borrower stated the property's repairs are almost finished. On XX/XX/XXXX, the borrower had a claim check inquiry. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower needed assistance accessing their online account. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is structural. A loss draft claim was filed, due to unspecified damages on XX/XX/XXXX. As of the review date, there is no indication that repairs are XX% completed. The status of the loss draft claim is unknown. Property repair is in process. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738629 | XXX | XXX | Critical | Current | [3] Property Damage - Structural - No evidence of resolution | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower had a loss draft inquiry. On XX/XX/XXXX, the borrower had a loss draft inquiry. On XX/XX/XXXX, the borrower had a loss draft inquiry. On XX/XX/XXXX, the borrower stated the property's repairs are almost finished. On XX/XX/XXXX, the borrower had a claim check inquiry. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower needed assistance accessing their online account. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is structural. A loss draft claim was filed, due to unspecified damages on XX/XX/XXXX. As of the review date, there is no indication that repairs are XX% completed. The status of the loss draft claim is unknown. Property repair is in process. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738629 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower had a loss draft inquiry. On XX/XX/XXXX, the borrower had a loss draft inquiry. On XX/XX/XXXX, the borrower had a loss draft inquiry. On XX/XX/XXXX, the borrower stated the property's repairs are almost finished. On XX/XX/XXXX, the borrower had a claim check inquiry. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower needed assistance accessing their online account. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is structural. A loss draft claim was filed, due to unspecified damages on XX/XX/XXXX. As of the review date, there is no indication that repairs are XX% completed. The status of the loss draft claim is unknown. Property repair is in process. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 54174224 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower stated the property was burned in a fire and they will be sending in a claim check. On XX/XX/XXXX, the borrower had a loss draft inquiry. On XX/XX/XXXX, the borrower stated they were still waiting on permits to continue the repairs. On XX/XX/XXXX, the borrower had a loss draft inquiry. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is fire. A loss draft claim was filed, due to fire damage, on XX/XX/XXXX. As of the review date, there is no evidence that repairs are XX% completed. Property repair is in process. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 54174224 | XXX | XXX | Critical | Current | [3] Property Damage - XX - No evidence of repair | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower stated the property was burned in a fire and they will be sending in a claim check. On XX/XX/XXXX, the borrower had a loss draft inquiry. On XX/XX/XXXX, the borrower stated they were still waiting on permits to continue the repairs. On XX/XX/XXXX, the borrower had a loss draft inquiry. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is fire. A loss draft claim was filed, due to fire damage, on XX/XX/XXXX. As of the review date, there is no evidence that repairs are XX% completed. Property repair is in process. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 54174224 | XXX | XXX | Non Critical | Current | [2] Occupancy - Non Owner Occupied | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower stated the property was burned in a fire and they will be sending in a claim check. On XX/XX/XXXX, the borrower had a loss draft inquiry. On XX/XX/XXXX, the borrower stated they were still waiting on permits to continue the repairs. On XX/XX/XXXX, the borrower had a loss draft inquiry. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is fire. A loss draft claim was filed, due to fire damage, on XX/XX/XXXX. As of the review date, there is no evidence that repairs are XX% completed. Property repair is in process. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 54174224 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower stated the property was burned in a fire and they will be sending in a claim check. On XX/XX/XXXX, the borrower had a loss draft inquiry. On XX/XX/XXXX, the borrower stated they were still waiting on permits to continue the repairs. On XX/XX/XXXX, the borrower had a loss draft inquiry. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is fire. A loss draft claim was filed, due to fire damage, on XX/XX/XXXX. As of the review date, there is no evidence that repairs are XX% completed. Property repair is in process. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738814 | XXX | XXX | Critical | Current | [3] Property Damage - Vandalism - No evidence of resolution | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the borrower requested a payoff quote. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower had a reinstatement inquiry. On XX/XX/XXXX, the borrower stated their tenants damaged the subject property and made a promise to pay. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower had a payment related inquiry. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is vandalism. On XX/XX/XXXX, the borrower stated their tenants did a lot of damage inside the subject property. There is no evidence of loss draft claim being filed or that repairs are XX% completed. Property repairs have not started. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738814 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the borrower requested a payoff quote. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower had a reinstatement inquiry. On XX/XX/XXXX, the borrower stated their tenants damaged the subject property and made a promise to pay. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower had a payment related inquiry. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is vandalism. On XX/XX/XXXX, the borrower stated their tenants did a lot of damage inside the subject property. There is no evidence of loss draft claim being filed or that repairs are XX% completed. Property repairs have not started. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738814 | XXX | XXX | Non Critical | Current | [2] Occupancy - Non Owner Occupied | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the borrower requested a payoff quote. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower had a reinstatement inquiry. On XX/XX/XXXX, the borrower stated their tenants damaged the subject property and made a promise to pay. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower had a payment related inquiry. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is vandalism. On XX/XX/XXXX, the borrower stated their tenants did a lot of damage inside the subject property. There is no evidence of loss draft claim being filed or that repairs are XX% completed. Property repairs have not started. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738814 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the borrower requested a payoff quote. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower had a reinstatement inquiry. On XX/XX/XXXX, the borrower stated their tenants damaged the subject property and made a promise to pay. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower had a payment related inquiry. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is vandalism. On XX/XX/XXXX, the borrower stated their tenants did a lot of damage inside the subject property. There is no evidence of loss draft claim being filed or that repairs are XX% completed. Property repairs have not started. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738954 | XXX | XXX | Critical | Current | [3] There is evidence of property damage. | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower declined automated payments and that they have bill pay set up with their bank. On XX/XX/XXXX, the borrower stated that bill pay sent a payment on XX/XX/XXXX. Advised them that the payment was not received. Borrower stated that they will check with their bank. On XX/XX/XXXX, the borrower inquired on payment increase and will make a payment next week for escrow. On XX/XX/XXXX, borrower discussed documents needed for workout and discussed paying shortage. FEMA disaster for wildfires and straight-line winds was declared on XX/XX/XXXX. On XX/XX/XXXX, borrower noted that they were impacted by the natural disaster and had wind damage to fence, roof, electrical and outdoor furniture. Borrower wanted to verify that they had wind insurance. Forbearance disaster plan was noted on XX/XX/XXXX for 3 months from XX/XXXX to XX/XXXX. On XX/XX/XXXX, the borrower inquiry on address to mail in insurance claim checks for endorsement. On XX/XX/XXXX, borrower wanted to close the forbearance plan and set-up bi-weekly automated payments. On XX/XX/XXXX, borrower wanted to discuss changes to automated payment. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is wind. Wind damage was first noted on XX/XX/XXXX. Borrower stated that they were impacted by the disaster and that there was fence damage in three places, roof damage, electrical damage and outdoor furniture damage. On XX/XX/XXXX, borrower requested address to send claim check for endorsement. No indication of damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: Property was impacted by FEMA designated disaster of California wildfires and straight-line winds (XX), which was declared on XX/XX/XXXX. Property damage was noted on XX/XX/XXXX. Unsure if damage is related to disaster since borrower noted wind damage. |
| XXX | XXX | 991738954 | XXX | XXX | Non Critical | Current | [2] Property is located in a XX disaster area. | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower declined automated payments and that they have bill pay set up with their bank. On XX/XX/XXXX, the borrower stated that bill pay sent a payment on XX/XX/XXXX. Advised them that the payment was not received. Borrower stated that they will check with their bank. On XX/XX/XXXX, the borrower inquired on payment increase and will make a payment next week for escrow. On XX/XX/XXXX, borrower discussed documents needed for workout and discussed paying shortage. FEMA disaster for wildfires and straight-line winds was declared on XX/XX/XXXX. On XX/XX/XXXX, borrower noted that they were impacted by the natural disaster and had wind damage to fence, roof, electrical and outdoor furniture. Borrower wanted to verify that they had wind insurance. Forbearance disaster plan was noted on XX/XX/XXXX for 3 months from XX/XXXX to XX/XXXX. On XX/XX/XXXX, the borrower inquiry on address to mail in insurance claim checks for endorsement. On XX/XX/XXXX, borrower wanted to close the forbearance plan and set-up bi-weekly automated payments. On XX/XX/XXXX, borrower wanted to discuss changes to automated payment. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is wind. Wind damage was first noted on XX/XX/XXXX. Borrower stated that they were impacted by the disaster and that there was fence damage in three places, roof damage, electrical damage and outdoor furniture damage. On XX/XX/XXXX, borrower requested address to send claim check for endorsement. No indication of damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: Property was impacted by FEMA designated disaster of California wildfires and straight-line winds (XX), which was declared on XX/XX/XXXX. Property damage was noted on XX/XX/XXXX. Unsure if damage is related to disaster since borrower noted wind damage. |
| XXX | XXX | 991738954 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower declined automated payments and that they have bill pay set up with their bank. On XX/XX/XXXX, the borrower stated that bill pay sent a payment on XX/XX/XXXX. Advised them that the payment was not received. Borrower stated that they will check with their bank. On XX/XX/XXXX, the borrower inquired on payment increase and will make a payment next week for escrow. On XX/XX/XXXX, borrower discussed documents needed for workout and discussed paying shortage. FEMA disaster for wildfires and straight-line winds was declared on XX/XX/XXXX. On XX/XX/XXXX, borrower noted that they were impacted by the natural disaster and had wind damage to fence, roof, electrical and outdoor furniture. Borrower wanted to verify that they had wind insurance. Forbearance disaster plan was noted on XX/XX/XXXX for 3 months from XX/XXXX to XX/XXXX. On XX/XX/XXXX, the borrower inquiry on address to mail in insurance claim checks for endorsement. On XX/XX/XXXX, borrower wanted to close the forbearance plan and set-up bi-weekly automated payments. On XX/XX/XXXX, borrower wanted to discuss changes to automated payment. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is wind. Wind damage was first noted on XX/XX/XXXX. Borrower stated that they were impacted by the disaster and that there was fence damage in three places, roof damage, electrical damage and outdoor furniture damage. On XX/XX/XXXX, borrower requested address to send claim check for endorsement. No indication of damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: Property was impacted by FEMA designated disaster of California wildfires and straight-line winds (XX), which was declared on XX/XX/XXXX. Property damage was noted on XX/XX/XXXX. Unsure if damage is related to disaster since borrower noted wind damage. |
| XXX | XXX | 991738954 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower declined automated payments and that they have bill pay set up with their bank. On XX/XX/XXXX, the borrower stated that bill pay sent a payment on XX/XX/XXXX. Advised them that the payment was not received. Borrower stated that they will check with their bank. On XX/XX/XXXX, the borrower inquired on payment increase and will make a payment next week for escrow. On XX/XX/XXXX, borrower discussed documents needed for workout and discussed paying shortage. FEMA disaster for wildfires and straight-line winds was declared on XX/XX/XXXX. On XX/XX/XXXX, borrower noted that they were impacted by the natural disaster and had wind damage to fence, roof, electrical and outdoor furniture. Borrower wanted to verify that they had wind insurance. Forbearance disaster plan was noted on XX/XX/XXXX for 3 months from XX/XXXX to XX/XXXX. On XX/XX/XXXX, the borrower inquiry on address to mail in insurance claim checks for endorsement. On XX/XX/XXXX, borrower wanted to close the forbearance plan and set-up bi-weekly automated payments. On XX/XX/XXXX, borrower wanted to discuss changes to automated payment. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is wind. Wind damage was first noted on XX/XX/XXXX. Borrower stated that they were impacted by the disaster and that there was fence damage in three places, roof damage, electrical damage and outdoor furniture damage. On XX/XX/XXXX, borrower requested address to send claim check for endorsement. No indication of damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: Property was impacted by FEMA designated disaster of California wildfires and straight-line winds (XX), which was declared on XX/XX/XXXX. Property damage was noted on XX/XX/XXXX. Unsure if damage is related to disaster since borrower noted wind damage. |
| XXX | XXX | 54855205 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, authorized third party was advised of amount needed to cure the account. On XX/XX/XXXX, the borrower stated that they would be make the reinstatement payment on the last week of September. On XX/XX/XXXX, the borrower requested reinstatement quote. On XX/XX/XXXX, the borrower inquired status of application. Advised them on what was needed. On XX/XX/XXXX, the borrower stated that the bank wired the reinstatement on XX/XX/XXXX. On XX/XX/XXXX, the borrower discussed payments and requested for escrow to be removed. Advised them of the escrow shortage as well. On XX/XX/XXXX, the borrower discussed account. On XX/XX/XXXX, the borrower scheduled a payment and stated that they would be paying the shortage at the end of the month. On XX/XX/XXXX, the borrower made a payment. On XX/XX/XXXX, the borrower made a payment and stated that they would set up automated payments. On XX/XX/XXXX, the borrower made a payment and noted that they have a new insurance company and will be sending in the information. On XX/XX/XXXX, the borrower made a payment. On XX/XX/XXXX, the borrower made a payment and discussed insurance. Advised them to call the prior insurance company and cancel and then have the current insurance send information. On XX/XX/XXXX, the borrower followed up on insurance and discussed shortage. On XX/XX/XXXX, the borrower stated that they would make a payment online. On XX/XX/XXXX, the borrower discussed escrow analysis and payment change. Borrower made payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, the borrower discussed insurance and escrow surplus checks. On XX/XX/XXXX, the borrower discussed escrow and disbursement amount. On XX/XX/XXXX, the borrower inquired on original lender's contact information. On XX/XX/XXXX, the borrower inquired on yearly premium for insurance. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: Property was impacted by FEMA disaster California severe storm and flooding (XX), which was declared on XX/XX/XXXX. There was no property damage noted. |
| XXX | XXX | 54855205 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, authorized third party was advised of amount needed to cure the account. On XX/XX/XXXX, the borrower stated that they would be make the reinstatement payment on the last week of September. On XX/XX/XXXX, the borrower requested reinstatement quote. On XX/XX/XXXX, the borrower inquired status of application. Advised them on what was needed. On XX/XX/XXXX, the borrower stated that the bank wired the reinstatement on XX/XX/XXXX. On XX/XX/XXXX, the borrower discussed payments and requested for escrow to be removed. Advised them of the escrow shortage as well. On XX/XX/XXXX, the borrower discussed account. On XX/XX/XXXX, the borrower scheduled a payment and stated that they would be paying the shortage at the end of the month. On XX/XX/XXXX, the borrower made a payment. On XX/XX/XXXX, the borrower made a payment and stated that they would set up automated payments. On XX/XX/XXXX, the borrower made a payment and noted that they have a new insurance company and will be sending in the information. On XX/XX/XXXX, the borrower made a payment. On XX/XX/XXXX, the borrower made a payment and discussed insurance. Advised them to call the prior insurance company and cancel and then have the current insurance send information. On XX/XX/XXXX, the borrower followed up on insurance and discussed shortage. On XX/XX/XXXX, the borrower stated that they would make a payment online. On XX/XX/XXXX, the borrower discussed escrow analysis and payment change. Borrower made payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, the borrower discussed insurance and escrow surplus checks. On XX/XX/XXXX, the borrower discussed escrow and disbursement amount. On XX/XX/XXXX, the borrower inquired on original lender's contact information. On XX/XX/XXXX, the borrower inquired on yearly premium for insurance. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: Property was impacted by FEMA disaster California severe storm and flooding (XX), which was declared on XX/XX/XXXX. There was no property damage noted. |
| XXX | XXX | 50708232 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower made a payment. A payment deferral was applied to the account on XX/XX/XXXX. On XX/XX/XXXX, the borrower had a payment related inquiry. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is structural. Comments, dated XX/XX/XXXX, indicates the borrower filed a loss draft claim, due to roof damages, but their insurance company dropped the policy. As of the review date, there is no evidence of a loss draft claim was filed or that repairs are XX% completed. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 50708232 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower made a payment. A payment deferral was applied to the account on XX/XX/XXXX. On XX/XX/XXXX, the borrower had a payment related inquiry. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is structural. Comments, dated XX/XX/XXXX, indicates the borrower filed a loss draft claim, due to roof damages, but their insurance company dropped the policy. As of the review date, there is no evidence of a loss draft claim was filed or that repairs are XX% completed. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 50708232 | XXX | XXX | Critical | Current | [3] There is evidence of property damage. | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower made a payment. A payment deferral was applied to the account on XX/XX/XXXX. On XX/XX/XXXX, the borrower had a payment related inquiry. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is structural. Comments, dated XX/XX/XXXX, indicates the borrower filed a loss draft claim, due to roof damages, but their insurance company dropped the policy. As of the review date, there is no evidence of a loss draft claim was filed or that repairs are XX% completed. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 58927964 | XXX | XXX | Critical | Current | [3] Property Damage - Flood - No evidence of resolution | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower noted flooding in the property and was transferred to the claims department. On XX/XX/XXXX, the borrower stated that insurance carrier has been sending claim check to servicer. Borrower was going to be transferred to loss draft department but the borrower cut the call short. On XX/XX/XXXX, the borrower inquired on assistance options. The borrower also noted that they have not started any repairs and just received the claim check. Reason for delinquency was noted as extended problems. On XX/XX/XXXX, the borrower wanted to know if the deferral agreement was received. Borrower also noted that repairs on the property are being slow. Per comment on XX/XX/XXXX, deferment was completed for 4 months. On XX/XX/XXXX, the borrower called to discuss account. Claim check in the amount of $XX was received on XX/XX/XXXX and was processed. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is flood. Flood damage was noted on XX/XX/XXXX. On XX/XX/XXXX, borrower noted claim check was received and that repairs have not started. On XX/XX/XXXX, the borrower noted that repairs are being slow. Claim check in the amount of $XX was noted on XX/XX/XXXX. No indication of repairs being completed or XX% inspection on file. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: Property was located in a XX disaster area for Florida hurricane Helene (XX), which was declared on XX/XX/XXXX. This was around the time of flooding damage noted by the borrower on XX/XX/XXXX. Property was located in a XX disaster area for Florida hurricane Debby (XX), which was declared on XX/XX/XXXX. Property was located in a XX disaster area for Florida hurricane Idalia (XX), which was declared on XX/XX/XXXX. |
| XXX | XXX | 58927964 | XXX | XXX | Non Critical | Current | [2] Property is located in a XX disaster area. | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower noted flooding in the property and was transferred to the claims department. On XX/XX/XXXX, the borrower stated that insurance carrier has been sending claim check to servicer. Borrower was going to be transferred to loss draft department but the borrower cut the call short. On XX/XX/XXXX, the borrower inquired on assistance options. The borrower also noted that they have not started any repairs and just received the claim check. Reason for delinquency was noted as extended problems. On XX/XX/XXXX, the borrower wanted to know if the deferral agreement was received. Borrower also noted that repairs on the property are being slow. Per comment on XX/XX/XXXX, deferment was completed for 4 months. On XX/XX/XXXX, the borrower called to discuss account. Claim check in the amount of $XX was received on XX/XX/XXXX and was processed. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is flood. Flood damage was noted on XX/XX/XXXX. On XX/XX/XXXX, borrower noted claim check was received and that repairs have not started. On XX/XX/XXXX, the borrower noted that repairs are being slow. Claim check in the amount of $XX was noted on XX/XX/XXXX. No indication of repairs being completed or XX% inspection on file. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: Property was located in a XX disaster area for Florida hurricane Helene (XX), which was declared on XX/XX/XXXX. This was around the time of flooding damage noted by the borrower on XX/XX/XXXX. Property was located in a XX disaster area for Florida hurricane Debby (XX), which was declared on XX/XX/XXXX. Property was located in a XX disaster area for Florida hurricane Idalia (XX), which was declared on XX/XX/XXXX. |
| XXX | XXX | 58927964 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower noted flooding in the property and was transferred to the claims department. On XX/XX/XXXX, the borrower stated that insurance carrier has been sending claim check to servicer. Borrower was going to be transferred to loss draft department but the borrower cut the call short. On XX/XX/XXXX, the borrower inquired on assistance options. The borrower also noted that they have not started any repairs and just received the claim check. Reason for delinquency was noted as extended problems. On XX/XX/XXXX, the borrower wanted to know if the deferral agreement was received. Borrower also noted that repairs on the property are being slow. Per comment on XX/XX/XXXX, deferment was completed for 4 months. On XX/XX/XXXX, the borrower called to discuss account. Claim check in the amount of $XX was received on XX/XX/XXXX and was processed. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is flood. Flood damage was noted on XX/XX/XXXX. On XX/XX/XXXX, borrower noted claim check was received and that repairs have not started. On XX/XX/XXXX, the borrower noted that repairs are being slow. Claim check in the amount of $XX was noted on XX/XX/XXXX. No indication of repairs being completed or XX% inspection on file. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: Property was located in a XX disaster area for Florida hurricane Helene (XX), which was declared on XX/XX/XXXX. This was around the time of flooding damage noted by the borrower on XX/XX/XXXX. Property was located in a XX disaster area for Florida hurricane Debby (XX), which was declared on XX/XX/XXXX. Property was located in a XX disaster area for Florida hurricane Idalia (XX), which was declared on XX/XX/XXXX. |
| XXX | XXX | 58927964 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower noted flooding in the property and was transferred to the claims department. On XX/XX/XXXX, the borrower stated that insurance carrier has been sending claim check to servicer. Borrower was going to be transferred to loss draft department but the borrower cut the call short. On XX/XX/XXXX, the borrower inquired on assistance options. The borrower also noted that they have not started any repairs and just received the claim check. Reason for delinquency was noted as extended problems. On XX/XX/XXXX, the borrower wanted to know if the deferral agreement was received. Borrower also noted that repairs on the property are being slow. Per comment on XX/XX/XXXX, deferment was completed for 4 months. On XX/XX/XXXX, the borrower called to discuss account. Claim check in the amount of $XX was received on XX/XX/XXXX and was processed. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is flood. Flood damage was noted on XX/XX/XXXX. On XX/XX/XXXX, borrower noted claim check was received and that repairs have not started. On XX/XX/XXXX, the borrower noted that repairs are being slow. Claim check in the amount of $XX was noted on XX/XX/XXXX. No indication of repairs being completed or XX% inspection on file. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: Property was located in a XX disaster area for Florida hurricane Helene (XX), which was declared on XX/XX/XXXX. This was around the time of flooding damage noted by the borrower on XX/XX/XXXX. Property was located in a XX disaster area for Florida hurricane Debby (XX), which was declared on XX/XX/XXXX. Property was located in a XX disaster area for Florida hurricane Idalia (XX), which was declared on XX/XX/XXXX. |
| XXX | XXX | 56409404 | XXX | XXX | Critical | Current | [3] There is evidence of property damage. | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower made a payment in the amount of $XX. On XX/XX/XXXX, The borrower noted about an incident that occurred at the property and that they had to file a claim. Borrower noted that they have a claim check and wanted to know the next steps. Borrower was transferred. It was later noted on XX/XX/XXXX to be water damage and claim check was for $XX. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is water. Unspecified damage was noted on XX/XX/XXXX. On XX/XX/XXXX, borrower noted that they filed a claim and received a claim check and wanted to know next steps. On XX/XX/XXXX, third party noted claim check for water damage in the amount of $XX and wanted to know next steps. There was no indication of claim check being received or damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 56409404 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower made a payment in the amount of $XX. On XX/XX/XXXX, The borrower noted about an incident that occurred at the property and that they had to file a claim. Borrower noted that they have a claim check and wanted to know the next steps. Borrower was transferred. It was later noted on XX/XX/XXXX to be water damage and claim check was for $XX. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is water. Unspecified damage was noted on XX/XX/XXXX. On XX/XX/XXXX, borrower noted that they filed a claim and received a claim check and wanted to know next steps. On XX/XX/XXXX, third party noted claim check for water damage in the amount of $XX and wanted to know next steps. There was no indication of claim check being received or damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 56409404 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower made a payment in the amount of $XX. On XX/XX/XXXX, The borrower noted about an incident that occurred at the property and that they had to file a claim. Borrower noted that they have a claim check and wanted to know the next steps. Borrower was transferred. It was later noted on XX/XX/XXXX to be water damage and claim check was for $XX. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is water. Unspecified damage was noted on XX/XX/XXXX. On XX/XX/XXXX, borrower noted that they filed a claim and received a claim check and wanted to know next steps. On XX/XX/XXXX, third party noted claim check for water damage in the amount of $XX and wanted to know next steps. There was no indication of claim check being received or damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 57689582 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower had an insurance related inquiry. On XX/XX/XXXX, the borrower had an escrow related inquiry. On XX/XX/XXXX, the borrower stated they needed to file an insurance claim due to hurricane damage. On XX/XX/XXXX, the borrower had an escrow related inquiry. On XX/XX/XXXX, the borrower had an escrow related inquiry. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is other natural causes. On XX/XX/XXXX, the borrower stated they needed to file a loss draft claim due to hurricane damage. As of the review date, there is no indication that a loss draft claim was filed or that repairs are XX% completed. Property repair is in process. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: Comments, dated XX/XX/XXXX, reflect the subject property is located in an area declared a XX disaster area due to Hurricane Milton. No FEMA designation was provided in the comments. Property damage was identified. |
| XXX | XXX | 57689582 | XXX | XXX | Critical | Current | [3] Property Damage - Other Natural Causes - No evidence of resolution | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower had an insurance related inquiry. On XX/XX/XXXX, the borrower had an escrow related inquiry. On XX/XX/XXXX, the borrower stated they needed to file an insurance claim due to hurricane damage. On XX/XX/XXXX, the borrower had an escrow related inquiry. On XX/XX/XXXX, the borrower had an escrow related inquiry. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is other natural causes. On XX/XX/XXXX, the borrower stated they needed to file a loss draft claim due to hurricane damage. As of the review date, there is no indication that a loss draft claim was filed or that repairs are XX% completed. Property repair is in process. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: Comments, dated XX/XX/XXXX, reflect the subject property is located in an area declared a XX disaster area due to Hurricane Milton. No FEMA designation was provided in the comments. Property damage was identified. |
| XXX | XXX | 57689582 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower had an insurance related inquiry. On XX/XX/XXXX, the borrower had an escrow related inquiry. On XX/XX/XXXX, the borrower stated they needed to file an insurance claim due to hurricane damage. On XX/XX/XXXX, the borrower had an escrow related inquiry. On XX/XX/XXXX, the borrower had an escrow related inquiry. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is other natural causes. On XX/XX/XXXX, the borrower stated they needed to file a loss draft claim due to hurricane damage. As of the review date, there is no indication that a loss draft claim was filed or that repairs are XX% completed. Property repair is in process. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: Comments, dated XX/XX/XXXX, reflect the subject property is located in an area declared a XX disaster area due to Hurricane Milton. No FEMA designation was provided in the comments. Property damage was identified. |
| XXX | XXX | 991738758 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower inquired on insurance claim and was advised that, back in April, the inspector told them that repairs were at XX% completion and then was told that repairs were at XX%. Borrower stated that they were now told that repairs were only at XX%. Borrower stated that they needed to get money to the contractors to get the repairs finished and was wondering why funds were not being released to them. Advised the borrower that they would need to speak with the insurance department. Dispute for insurance claim was noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower wanted restricted escrow funds to be released in order to repair the home. On XX/XX/XXXX, the borrower inquired on taxes and stated that they submitted tax documents that reflected taxes being decreased by a lot. Borrower requested a new escrow analysis to be ran. Escrow dispute was noted on XX/XX/XXXX. Dispute resolution letter was sent on XX/XX/XXXX. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is fire. Fire damage was noted on XX/XX/XXXX. On XX/XX/XXXX, borrower inquired on information on endorsed claim check. On XX/XX/XXXX, the borrower was disputing insurance check disbursement for repairs to the home. On XX/XX/XXXX, the borrower stated that there was fire at the home and received $XX to repair home. Borrower stated that only received $XX to start repairs but they have not received any further funding. On XX/XX/XXXX, the borrower stated that the inspector advised repairs were at XX% and then was told that repairs were at XX%. Borrower stated that they needed money for the contractors to get the repairs finished. Borrower wanted to know why funds have not been released. On XX/XX/XXXX, there was a dispute pertaining to the insurance claim. On XX/XX/XXXX, the borrower requested funds from escrow to repair the home. There was no indication that the damage was resolved. Property repair is in process. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738758 | XXX | XXX | Non Critical | Current | [2] Occupancy - Non Owner Occupied | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower inquired on insurance claim and was advised that, back in April, the inspector told them that repairs were at XX% completion and then was told that repairs were at XX%. Borrower stated that they were now told that repairs were only at XX%. Borrower stated that they needed to get money to the contractors to get the repairs finished and was wondering why funds were not being released to them. Advised the borrower that they would need to speak with the insurance department. Dispute for insurance claim was noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower wanted restricted escrow funds to be released in order to repair the home. On XX/XX/XXXX, the borrower inquired on taxes and stated that they submitted tax documents that reflected taxes being decreased by a lot. Borrower requested a new escrow analysis to be ran. Escrow dispute was noted on XX/XX/XXXX. Dispute resolution letter was sent on XX/XX/XXXX. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is fire. Fire damage was noted on XX/XX/XXXX. On XX/XX/XXXX, borrower inquired on information on endorsed claim check. On XX/XX/XXXX, the borrower was disputing insurance check disbursement for repairs to the home. On XX/XX/XXXX, the borrower stated that there was fire at the home and received $XX to repair home. Borrower stated that only received $XX to start repairs but they have not received any further funding. On XX/XX/XXXX, the borrower stated that the inspector advised repairs were at XX% and then was told that repairs were at XX%. Borrower stated that they needed money for the contractors to get the repairs finished. Borrower wanted to know why funds have not been released. On XX/XX/XXXX, there was a dispute pertaining to the insurance claim. On XX/XX/XXXX, the borrower requested funds from escrow to repair the home. There was no indication that the damage was resolved. Property repair is in process. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738758 | XXX | XXX | Critical | Current | [3] Property Damage - XX - No evidence of repair | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower inquired on insurance claim and was advised that, back in April, the inspector told them that repairs were at XX% completion and then was told that repairs were at XX%. Borrower stated that they were now told that repairs were only at XX%. Borrower stated that they needed to get money to the contractors to get the repairs finished and was wondering why funds were not being released to them. Advised the borrower that they would need to speak with the insurance department. Dispute for insurance claim was noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower wanted restricted escrow funds to be released in order to repair the home. On XX/XX/XXXX, the borrower inquired on taxes and stated that they submitted tax documents that reflected taxes being decreased by a lot. Borrower requested a new escrow analysis to be ran. Escrow dispute was noted on XX/XX/XXXX. Dispute resolution letter was sent on XX/XX/XXXX. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is fire. Fire damage was noted on XX/XX/XXXX. On XX/XX/XXXX, borrower inquired on information on endorsed claim check. On XX/XX/XXXX, the borrower was disputing insurance check disbursement for repairs to the home. On XX/XX/XXXX, the borrower stated that there was fire at the home and received $XX to repair home. Borrower stated that only received $XX to start repairs but they have not received any further funding. On XX/XX/XXXX, the borrower stated that the inspector advised repairs were at XX% and then was told that repairs were at XX%. Borrower stated that they needed money for the contractors to get the repairs finished. Borrower wanted to know why funds have not been released. On XX/XX/XXXX, there was a dispute pertaining to the insurance claim. On XX/XX/XXXX, the borrower requested funds from escrow to repair the home. There was no indication that the damage was resolved. Property repair is in process. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738758 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower inquired on insurance claim and was advised that, back in April, the inspector told them that repairs were at XX% completion and then was told that repairs were at XX%. Borrower stated that they were now told that repairs were only at XX%. Borrower stated that they needed to get money to the contractors to get the repairs finished and was wondering why funds were not being released to them. Advised the borrower that they would need to speak with the insurance department. Dispute for insurance claim was noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower wanted restricted escrow funds to be released in order to repair the home. On XX/XX/XXXX, the borrower inquired on taxes and stated that they submitted tax documents that reflected taxes being decreased by a lot. Borrower requested a new escrow analysis to be ran. Escrow dispute was noted on XX/XX/XXXX. Dispute resolution letter was sent on XX/XX/XXXX. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is fire. Fire damage was noted on XX/XX/XXXX. On XX/XX/XXXX, borrower inquired on information on endorsed claim check. On XX/XX/XXXX, the borrower was disputing insurance check disbursement for repairs to the home. On XX/XX/XXXX, the borrower stated that there was fire at the home and received $XX to repair home. Borrower stated that only received $XX to start repairs but they have not received any further funding. On XX/XX/XXXX, the borrower stated that the inspector advised repairs were at XX% and then was told that repairs were at XX%. Borrower stated that they needed money for the contractors to get the repairs finished. Borrower wanted to know why funds have not been released. On XX/XX/XXXX, there was a dispute pertaining to the insurance claim. On XX/XX/XXXX, the borrower requested funds from escrow to repair the home. There was no indication that the damage was resolved. Property repair is in process. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738912 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower stated that they scheduled the payment for the account. On XX/XX/XXXX, the borrower requested to have escrow removed from the account. On XX/XX/XXXX, the borrower discussed escrow and was advised that taxes and insurance were paid in XXXX. On XX/XX/XXXX, the borrower inquired on escrow. Borrower wonder if there was any refund since the escrow account was closed. Advised them that an escrow analysis would need to be requested. On XX/XX/XXXX, the borrower noted that the property was impacted by the hurricane and tenants lost their jobs due to no power. Borrower was not sure if the tenants were coming back. A 3-month forbearance plan from XX/XXXX to XX/XXXX was noted on XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, the borrower discussed forbearance plan. On XX/XX/XXXX, the borrower wanted to know of options once the forbearance plan ends. On XX/XX/XXXX, the borrower made a payment and was advised of loan still being under forbearance plan. On XX/XX/XXXX, the borrower discussed forbearance ending and 1098 statement. Borrower accepted a 6-month repayment plan with payments starting XX/XX/XXXX. On XX/XX/XXXX, borrower discussed repayment plan. On XX/XX/XXXX, borrower made payment and will add both accounts to be able to make online payments. On XX/XX/XXXX, the borrower made a payment and discussed late fees. On XX/XX/XXXX, the borrower noted that this account should be under their business name and that the credit should not be reporting to their name. Dispute for this issue was noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower made a payment. Dispute resolution letter was noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower discussed account and needing information to get on to the website to make a payment. On XX/XX/XXXX, the borrower inquired on being able to see both accounts online. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the borrower made a payment. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738912 | XXX | XXX | Non Critical | Current | [2] Occupancy - Non Owner Occupied | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower stated that they scheduled the payment for the account. On XX/XX/XXXX, the borrower requested to have escrow removed from the account. On XX/XX/XXXX, the borrower discussed escrow and was advised that taxes and insurance were paid in XXXX. On XX/XX/XXXX, the borrower inquired on escrow. Borrower wonder if there was any refund since the escrow account was closed. Advised them that an escrow analysis would need to be requested. On XX/XX/XXXX, the borrower noted that the property was impacted by the hurricane and tenants lost their jobs due to no power. Borrower was not sure if the tenants were coming back. A 3-month forbearance plan from XX/XXXX to XX/XXXX was noted on XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, the borrower discussed forbearance plan. On XX/XX/XXXX, the borrower wanted to know of options once the forbearance plan ends. On XX/XX/XXXX, the borrower made a payment and was advised of loan still being under forbearance plan. On XX/XX/XXXX, the borrower discussed forbearance ending and 1098 statement. Borrower accepted a 6-month repayment plan with payments starting XX/XX/XXXX. On XX/XX/XXXX, borrower discussed repayment plan. On XX/XX/XXXX, borrower made payment and will add both accounts to be able to make online payments. On XX/XX/XXXX, the borrower made a payment and discussed late fees. On XX/XX/XXXX, the borrower noted that this account should be under their business name and that the credit should not be reporting to their name. Dispute for this issue was noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower made a payment. Dispute resolution letter was noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower discussed account and needing information to get on to the website to make a payment. On XX/XX/XXXX, the borrower inquired on being able to see both accounts online. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the borrower made a payment. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738912 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower stated that they scheduled the payment for the account. On XX/XX/XXXX, the borrower requested to have escrow removed from the account. On XX/XX/XXXX, the borrower discussed escrow and was advised that taxes and insurance were paid in XXXX. On XX/XX/XXXX, the borrower inquired on escrow. Borrower wonder if there was any refund since the escrow account was closed. Advised them that an escrow analysis would need to be requested. On XX/XX/XXXX, the borrower noted that the property was impacted by the hurricane and tenants lost their jobs due to no power. Borrower was not sure if the tenants were coming back. A 3-month forbearance plan from XX/XXXX to XX/XXXX was noted on XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, the borrower discussed forbearance plan. On XX/XX/XXXX, the borrower wanted to know of options once the forbearance plan ends. On XX/XX/XXXX, the borrower made a payment and was advised of loan still being under forbearance plan. On XX/XX/XXXX, the borrower discussed forbearance ending and 1098 statement. Borrower accepted a 6-month repayment plan with payments starting XX/XX/XXXX. On XX/XX/XXXX, borrower discussed repayment plan. On XX/XX/XXXX, borrower made payment and will add both accounts to be able to make online payments. On XX/XX/XXXX, the borrower made a payment and discussed late fees. On XX/XX/XXXX, the borrower noted that this account should be under their business name and that the credit should not be reporting to their name. Dispute for this issue was noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower made a payment. Dispute resolution letter was noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower discussed account and needing information to get on to the website to make a payment. On XX/XX/XXXX, the borrower inquired on being able to see both accounts online. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the borrower made a payment. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738918 | XXX | XXX | Non Critical | Current | [2] Property is located in a XX disaster area. | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower inquired on if the taxes were going to be paid. On XX/XX/XXXX, the borrower noted that they have not been working for a while and wanted to cancel the pending payment. On XX/XX/XXXX, the borrower made a payment. On XX/XX/XXXX, the borrower talked about double payment and requested a refund of one of the payments. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower discussed double payments. Advised them that there was an automated payment and that a payment was made over the phone. Borrower requested a refund on one of the payments. On XX/XX/XXXX, borrower discussed payment plan. On XX/XX/XXXX, the borrower was advised that December's payment was returned due to non-sufficient funds and that the last payment that was cleared went to January's payment. Borrower noted reason for delinquency as unemployment. On XX/XX/XXXX, borrower stated that they started a new job. Borrower stated that they will try to bring the account current by end of May. On XX/XX/XXXX, the borrower scheduled payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and noted reason for delinquency as curtailment of income. On XX/XX/XXXX, borrower made a payment for XX/XX/XXXX and was advised of returned payment from XX/XX/XXXX due to insufficient funds. On XX/XX/XXXX, the borrower noted reason for delinquent being due to excessive obligations and discussed payment arrangements. On XX/XX/XXXX, the borrower inquired on what was paid for insurance last year. On XX/XX/XXXX, the borrower inquired on July payment. On XX/XX/XXXX, the borrower requested information on how to endorse insurance claim check. Borrower followed up on this on XX/XX/XXXX. On XX/XX/XXXX, the borrower discussed repayment plan and scheduled payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, the borrower discussed payment plan and next plan payments. There was no further contact with the borrower. Loan is 30 days delinquent and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Unspecified damage was first noted on XX/XX/XXXX. On XX/XX/XXXX, borrower inquired on how to endorse claim check. On XX/XX/XXXX, borrower inquired on claim check. No evidence of claim check being received or damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: Property was impacted by FEMA disaster of Texas severe storms, straight-line winds, tornadoes and flooding (XX), which was declared on XX/XX/XXXX. Unable to determine if damage was related to FEMA disaster since first note of damage was on XX/XX/XXXX and damage was unspecified. |
| XXX | XXX | 991738918 | XXX | XXX | Critical | Current | [3] Property Damage - XXX - No evidence of resolution | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower inquired on if the taxes were going to be paid. On XX/XX/XXXX, the borrower noted that they have not been working for a while and wanted to cancel the pending payment. On XX/XX/XXXX, the borrower made a payment. On XX/XX/XXXX, the borrower talked about double payment and requested a refund of one of the payments. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower discussed double payments. Advised them that there was an automated payment and that a payment was made over the phone. Borrower requested a refund on one of the payments. On XX/XX/XXXX, borrower discussed payment plan. On XX/XX/XXXX, the borrower was advised that December's payment was returned due to non-sufficient funds and that the last payment that was cleared went to January's payment. Borrower noted reason for delinquency as unemployment. On XX/XX/XXXX, borrower stated that they started a new job. Borrower stated that they will try to bring the account current by end of May. On XX/XX/XXXX, the borrower scheduled payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and noted reason for delinquency as curtailment of income. On XX/XX/XXXX, borrower made a payment for XX/XX/XXXX and was advised of returned payment from XX/XX/XXXX due to insufficient funds. On XX/XX/XXXX, the borrower noted reason for delinquent being due to excessive obligations and discussed payment arrangements. On XX/XX/XXXX, the borrower inquired on what was paid for insurance last year. On XX/XX/XXXX, the borrower inquired on July payment. On XX/XX/XXXX, the borrower requested information on how to endorse insurance claim check. Borrower followed up on this on XX/XX/XXXX. On XX/XX/XXXX, the borrower discussed repayment plan and scheduled payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, the borrower discussed payment plan and next plan payments. There was no further contact with the borrower. Loan is 30 days delinquent and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Unspecified damage was first noted on XX/XX/XXXX. On XX/XX/XXXX, borrower inquired on how to endorse claim check. On XX/XX/XXXX, borrower inquired on claim check. No evidence of claim check being received or damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: Property was impacted by FEMA disaster of Texas severe storms, straight-line winds, tornadoes and flooding (XX), which was declared on XX/XX/XXXX. Unable to determine if damage was related to FEMA disaster since first note of damage was on XX/XX/XXXX and damage was unspecified. |
| XXX | XXX | 991738918 | XXX | XXX | Non Critical | Current | [2] Current Status - Delinquent | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower inquired on if the taxes were going to be paid. On XX/XX/XXXX, the borrower noted that they have not been working for a while and wanted to cancel the pending payment. On XX/XX/XXXX, the borrower made a payment. On XX/XX/XXXX, the borrower talked about double payment and requested a refund of one of the payments. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower discussed double payments. Advised them that there was an automated payment and that a payment was made over the phone. Borrower requested a refund on one of the payments. On XX/XX/XXXX, borrower discussed payment plan. On XX/XX/XXXX, the borrower was advised that December's payment was returned due to non-sufficient funds and that the last payment that was cleared went to January's payment. Borrower noted reason for delinquency as unemployment. On XX/XX/XXXX, borrower stated that they started a new job. Borrower stated that they will try to bring the account current by end of May. On XX/XX/XXXX, the borrower scheduled payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and noted reason for delinquency as curtailment of income. On XX/XX/XXXX, borrower made a payment for XX/XX/XXXX and was advised of returned payment from XX/XX/XXXX due to insufficient funds. On XX/XX/XXXX, the borrower noted reason for delinquent being due to excessive obligations and discussed payment arrangements. On XX/XX/XXXX, the borrower inquired on what was paid for insurance last year. On XX/XX/XXXX, the borrower inquired on July payment. On XX/XX/XXXX, the borrower requested information on how to endorse insurance claim check. Borrower followed up on this on XX/XX/XXXX. On XX/XX/XXXX, the borrower discussed repayment plan and scheduled payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, the borrower discussed payment plan and next plan payments. There was no further contact with the borrower. Loan is 30 days delinquent and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Unspecified damage was first noted on XX/XX/XXXX. On XX/XX/XXXX, borrower inquired on how to endorse claim check. On XX/XX/XXXX, borrower inquired on claim check. No evidence of claim check being received or damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: Property was impacted by FEMA disaster of Texas severe storms, straight-line winds, tornadoes and flooding (XX), which was declared on XX/XX/XXXX. Unable to determine if damage was related to FEMA disaster since first note of damage was on XX/XX/XXXX and damage was unspecified. |
| XXX | XXX | 991738156 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower scheduled a payment and inquired about their loss draft claim. On XX/XX/XXXX, the borrower had a loss draft inquiry. On XX/XX/XXXX, the borrower had a loss draft inquiry. On XX/XX/XXXX, the borrower needed assistance getting their password reset. On XX/XX/XXXX, the borrower inquired about their payment change. On XX/XX/XXXX, the borrower stated they were waiting on permits to continue their repairs. On XX/XX/XXXX, the borrower had a modification related inquiry. On XX/XX/XXXX, the borrower made a promise to pay. On XX/XX/XXXX, the borrower stated their roof has been replaced and they are ready for an inspection. On XX/XX/XXXX, the borrower had a loss draft inquiry. On XX/XX/XXXX, the borrower called to discuss their property's repairs. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is fire. The borrower filed a loss draft claim, due to fire damage, on XX/XX/XXXX. On XX/XX/XXXX, the borrower stated their property's roof has been replaced and they need an inspection. As of the review date, the status of the loss draft claim is unknown. There is no evidence that repairs are XX% completed. Property repair is in process. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738156 | XXX | XXX | Critical | Current | [3] Property Damage - XX - No evidence of repair | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower scheduled a payment and inquired about their loss draft claim. On XX/XX/XXXX, the borrower had a loss draft inquiry. On XX/XX/XXXX, the borrower had a loss draft inquiry. On XX/XX/XXXX, the borrower needed assistance getting their password reset. On XX/XX/XXXX, the borrower inquired about their payment change. On XX/XX/XXXX, the borrower stated they were waiting on permits to continue their repairs. On XX/XX/XXXX, the borrower had a modification related inquiry. On XX/XX/XXXX, the borrower made a promise to pay. On XX/XX/XXXX, the borrower stated their roof has been replaced and they are ready for an inspection. On XX/XX/XXXX, the borrower had a loss draft inquiry. On XX/XX/XXXX, the borrower called to discuss their property's repairs. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is fire. The borrower filed a loss draft claim, due to fire damage, on XX/XX/XXXX. On XX/XX/XXXX, the borrower stated their property's roof has been replaced and they need an inspection. As of the review date, the status of the loss draft claim is unknown. There is no evidence that repairs are XX% completed. Property repair is in process. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738156 | XXX | XXX | Non Critical | Current | [2] Occupancy - Non Owner Occupied | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower scheduled a payment and inquired about their loss draft claim. On XX/XX/XXXX, the borrower had a loss draft inquiry. On XX/XX/XXXX, the borrower had a loss draft inquiry. On XX/XX/XXXX, the borrower needed assistance getting their password reset. On XX/XX/XXXX, the borrower inquired about their payment change. On XX/XX/XXXX, the borrower stated they were waiting on permits to continue their repairs. On XX/XX/XXXX, the borrower had a modification related inquiry. On XX/XX/XXXX, the borrower made a promise to pay. On XX/XX/XXXX, the borrower stated their roof has been replaced and they are ready for an inspection. On XX/XX/XXXX, the borrower had a loss draft inquiry. On XX/XX/XXXX, the borrower called to discuss their property's repairs. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is fire. The borrower filed a loss draft claim, due to fire damage, on XX/XX/XXXX. On XX/XX/XXXX, the borrower stated their property's roof has been replaced and they need an inspection. As of the review date, the status of the loss draft claim is unknown. There is no evidence that repairs are XX% completed. Property repair is in process. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738156 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower scheduled a payment and inquired about their loss draft claim. On XX/XX/XXXX, the borrower had a loss draft inquiry. On XX/XX/XXXX, the borrower had a loss draft inquiry. On XX/XX/XXXX, the borrower needed assistance getting their password reset. On XX/XX/XXXX, the borrower inquired about their payment change. On XX/XX/XXXX, the borrower stated they were waiting on permits to continue their repairs. On XX/XX/XXXX, the borrower had a modification related inquiry. On XX/XX/XXXX, the borrower made a promise to pay. On XX/XX/XXXX, the borrower stated their roof has been replaced and they are ready for an inspection. On XX/XX/XXXX, the borrower had a loss draft inquiry. On XX/XX/XXXX, the borrower called to discuss their property's repairs. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is fire. The borrower filed a loss draft claim, due to fire damage, on XX/XX/XXXX. On XX/XX/XXXX, the borrower stated their property's roof has been replaced and they need an inspection. As of the review date, the status of the loss draft claim is unknown. There is no evidence that repairs are XX% completed. Property repair is in process. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991739162 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower stated that they would send in funds each month to pay off the deferral advance. On XX/XX/XXXX, the borrower discussed advance amount. Borrower scheduled half of the advance payment for XX/XX/XXXX and the other half for XX/XX/XXXX. On XX/XX/XXXX, the borrower deleted the advance payments and scheduled three payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to pay for the advance. On XX/XX/XXXX, the borrower discussed last payment made for insurance. On XX/XX/XXXX, the borrower made a final payment for the advance. On XX/XX/XXXX, the borrower requested the 1098 document. On XX/XX/XXXX, the borrower inquired on a missing claim check and was transferred to loss draft department. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Unspecified damage was noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower needed to file a claim. On XX/XX/XXXX, the borrower noted that they sent a claim check for endorsement. On XX/XX/XXXX, the borrower inquired on missing claim check. There was no indication of damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991739162 | XXX | XXX | Non Critical | Current | [2] Occupancy - Non Owner Occupied | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower stated that they would send in funds each month to pay off the deferral advance. On XX/XX/XXXX, the borrower discussed advance amount. Borrower scheduled half of the advance payment for XX/XX/XXXX and the other half for XX/XX/XXXX. On XX/XX/XXXX, the borrower deleted the advance payments and scheduled three payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to pay for the advance. On XX/XX/XXXX, the borrower discussed last payment made for insurance. On XX/XX/XXXX, the borrower made a final payment for the advance. On XX/XX/XXXX, the borrower requested the 1098 document. On XX/XX/XXXX, the borrower inquired on a missing claim check and was transferred to loss draft department. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Unspecified damage was noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower needed to file a claim. On XX/XX/XXXX, the borrower noted that they sent a claim check for endorsement. On XX/XX/XXXX, the borrower inquired on missing claim check. There was no indication of damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991739162 | XXX | XXX | Critical | Current | [3] Property Damage - XXX - No evidence of resolution | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower stated that they would send in funds each month to pay off the deferral advance. On XX/XX/XXXX, the borrower discussed advance amount. Borrower scheduled half of the advance payment for XX/XX/XXXX and the other half for XX/XX/XXXX. On XX/XX/XXXX, the borrower deleted the advance payments and scheduled three payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to pay for the advance. On XX/XX/XXXX, the borrower discussed last payment made for insurance. On XX/XX/XXXX, the borrower made a final payment for the advance. On XX/XX/XXXX, the borrower requested the 1098 document. On XX/XX/XXXX, the borrower inquired on a missing claim check and was transferred to loss draft department. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Unspecified damage was noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower needed to file a claim. On XX/XX/XXXX, the borrower noted that they sent a claim check for endorsement. On XX/XX/XXXX, the borrower inquired on missing claim check. There was no indication of damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991739162 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower stated that they would send in funds each month to pay off the deferral advance. On XX/XX/XXXX, the borrower discussed advance amount. Borrower scheduled half of the advance payment for XX/XX/XXXX and the other half for XX/XX/XXXX. On XX/XX/XXXX, the borrower deleted the advance payments and scheduled three payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to pay for the advance. On XX/XX/XXXX, the borrower discussed last payment made for insurance. On XX/XX/XXXX, the borrower made a final payment for the advance. On XX/XX/XXXX, the borrower requested the 1098 document. On XX/XX/XXXX, the borrower inquired on a missing claim check and was transferred to loss draft department. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Unspecified damage was noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower needed to file a claim. On XX/XX/XXXX, the borrower noted that they sent a claim check for endorsement. On XX/XX/XXXX, the borrower inquired on missing claim check. There was no indication of damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738510 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower had an insurance related inquiry. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Comments, dated XX/XX/XXXX, reflect the borrower needed their hazard claim check endorsed. The type of property damage and date the loss draft claim was filed were not provided in the comments. There is no indication that repairs are XX% completed. Property repair is in process. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738510 | XXX | XXX | Critical | Current | [3] Property Damage - XXX - No evidence of resolution | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower had an insurance related inquiry. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Comments, dated XX/XX/XXXX, reflect the borrower needed their hazard claim check endorsed. The type of property damage and date the loss draft claim was filed were not provided in the comments. There is no indication that repairs are XX% completed. Property repair is in process. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738510 | XXX | XXX | Non Critical | Current | [2] Occupancy - Non Owner Occupied | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower had an insurance related inquiry. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Comments, dated XX/XX/XXXX, reflect the borrower needed their hazard claim check endorsed. The type of property damage and date the loss draft claim was filed were not provided in the comments. There is no indication that repairs are XX% completed. Property repair is in process. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738510 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower had an insurance related inquiry. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Comments, dated XX/XX/XXXX, reflect the borrower needed their hazard claim check endorsed. The type of property damage and date the loss draft claim was filed were not provided in the comments. There is no indication that repairs are XX% completed. Property repair is in process. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738320 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower discussed account. On XX/XX/XXXX, the borrower noted a claim check. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Unspecified damage was noted on XX/XX/XXXX. On XX/XX/XXXX, borrower noted claim check. No indication of claim check being received. No indication of damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738320 | XXX | XXX | Non Critical | Current | [2] Occupancy - Non Owner Occupied | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower discussed account. On XX/XX/XXXX, the borrower noted a claim check. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Unspecified damage was noted on XX/XX/XXXX. On XX/XX/XXXX, borrower noted claim check. No indication of claim check being received. No indication of damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738320 | XXX | XXX | Critical | Current | [3] Property Damage - XXX - No evidence of resolution | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower discussed account. On XX/XX/XXXX, the borrower noted a claim check. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Unspecified damage was noted on XX/XX/XXXX. On XX/XX/XXXX, borrower noted claim check. No indication of claim check being received. No indication of damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738320 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower discussed account. On XX/XX/XXXX, the borrower noted a claim check. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Unspecified damage was noted on XX/XX/XXXX. On XX/XX/XXXX, borrower noted claim check. No indication of claim check being received. No indication of damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738854 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower requested refund for a double payment. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738854 | XXX | XXX | Non Critical | Current | [2] Occupancy - Non Owner Occupied | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower requested refund for a double payment. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738854 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower requested refund for a double payment. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991739134 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower noted that the property burned down from the natural disaster. Borrower also opted into paperless. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is fire. Fire damage was noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower noted that the property burned down from the natural disaster. No indication of claim being filed or damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991739134 | XXX | XXX | Non Critical | Current | [2] Occupancy - Non Owner Occupied | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower noted that the property burned down from the natural disaster. Borrower also opted into paperless. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is fire. Fire damage was noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower noted that the property burned down from the natural disaster. No indication of claim being filed or damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991739134 | XXX | XXX | Critical | Current | [3] Property Damage - XX - No evidence of repair | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower noted that the property burned down from the natural disaster. Borrower also opted into paperless. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is fire. Fire damage was noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower noted that the property burned down from the natural disaster. No indication of claim being filed or damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991739134 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower noted that the property burned down from the natural disaster. Borrower also opted into paperless. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is fire. Fire damage was noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower noted that the property burned down from the natural disaster. No indication of claim being filed or damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738573 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower advised of property being lost in the recent natural disaster and will be filing an insurance claim. Advised the borrower to provide information once a claim is filed. On XX/XX/XXXX, the borrower noted that the property was lost from the wildfire and that the property is a rental. Borrower inquired on forbearance was an option. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is fire. Fire damage was noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower noted that home was lost from the natural disaster and filing a claim with their insurance company. On XX/XX/XXXX it was noted that the wildfire cause the property to be lost. No indication of claim check being received or damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738573 | XXX | XXX | Non Critical | Current | [2] Occupancy - Non Owner Occupied | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower advised of property being lost in the recent natural disaster and will be filing an insurance claim. Advised the borrower to provide information once a claim is filed. On XX/XX/XXXX, the borrower noted that the property was lost from the wildfire and that the property is a rental. Borrower inquired on forbearance was an option. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is fire. Fire damage was noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower noted that home was lost from the natural disaster and filing a claim with their insurance company. On XX/XX/XXXX it was noted that the wildfire cause the property to be lost. No indication of claim check being received or damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738573 | XXX | XXX | Critical | Current | [3] Property Damage - XX - No evidence of repair | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower advised of property being lost in the recent natural disaster and will be filing an insurance claim. Advised the borrower to provide information once a claim is filed. On XX/XX/XXXX, the borrower noted that the property was lost from the wildfire and that the property is a rental. Borrower inquired on forbearance was an option. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is fire. Fire damage was noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower noted that home was lost from the natural disaster and filing a claim with their insurance company. On XX/XX/XXXX it was noted that the wildfire cause the property to be lost. No indication of claim check being received or damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738573 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower advised of property being lost in the recent natural disaster and will be filing an insurance claim. Advised the borrower to provide information once a claim is filed. On XX/XX/XXXX, the borrower noted that the property was lost from the wildfire and that the property is a rental. Borrower inquired on forbearance was an option. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is fire. Fire damage was noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower noted that home was lost from the natural disaster and filing a claim with their insurance company. On XX/XX/XXXX it was noted that the wildfire cause the property to be lost. No indication of claim check being received or damage being resolved. Property repairs have not started. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 58251991 | XXX | XXX | Non Critical | Current | [2] Current Status - Delinquent | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower discussed reinstatement and noted reason for delinquency as extended problems. On XX/XX/XXXX and XX/XX/XXXX, discussed reinstatement quote. On XX/XX/XXXX, discussed account and reinstatement. On XX/XX/XXXX, borrower stated that they would reinstate the account on XX/XX/XXXX. On XX/XX/XXXX, borrower wanted to know if foreclosure sale was scheduled. On XX/XX/XXXX, borrower discussed account. On XX/XX/XXXX, the borrower stated that they would pay the reinstatement amount at the end of the month. Borrower noted reason for delinquency as curtailment of income. On XX/XX/XXXX, borrower verified the reinstatement amount. On XX/XX/XXXX, the borrower discussed account and amount to bring current. On XX/XX/XXXX, the borrower stated that they would send a wire on XX/XX/XXXX. On XX/XX/XXXX, borrower requested reinstatement quote. On XX/XX/XXXX, borrower discussed reinstatement. On XX/XX/XXXX, discussed reinstatement and wanted to know if modification was possible. On XX/XX/XXXX, borrower discussed reinstatement. On XX/XX/XXXX, the borrower discussed account. Loan modification was processed on XX/XX/XXXX. Foreclosure was dismissed on XX/XX/XXXX. On XX/XX/XXXX, the borrower stated that they would be making a payment online. On XX/XX/XXXX, the borrower made a payment. On XX/XX/XXXX, the borrower noted that they fell behind due to waiting on clients to pay them. Borrower made a payment. On XX/XX/XXXX, the borrower made a payment. On XX/XX/XXXX, the borrower was interested in assistance and noted reason for delinquency as curtailment of income. On XX/XX/XXXX, borrower accepted verbal repayment plan. On XX/XX/XXXX, borrower discussed automated payments and repayment plan. On XX/XX/XXXX, the borrower discussed repayment plan. On XX/XX/XXXX, borrower made a payment. On XX/XX/XXXX, borrower discussed payment for repayment plan. On XX/XX/XXXX, borrower inquired on paying a smaller amount for the plan or changing the due date. Advised them that payment must be made on or before the due date or the plan may default. There was no further contact with the borrower. Loan is 30 days delinquent and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan has been modified. The modification date is XX/XX/XXXX. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: Property was impacted by FEMA disaster of California wildfires and straight-line winds (XX), which was declared on XX/XX/XXXX. No indication of property damage noted. |
| XXX | XXX | 54906403 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower had an escrow related inquiry. On XX/XX/XXXX, the borrower requested a 1098 statement. On XX/XX/XXXX, the borrower needed assistance resetting their online password. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower needed assistance access their online account. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower had a payment related inquiry. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is structural. On XX/XX/XXXX, the borrower stated the subject property's roof was leaking and their insurance company denied the claim. As of the review date, there is no evidence that repairs are XX% completed. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 54906403 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower had an escrow related inquiry. On XX/XX/XXXX, the borrower requested a 1098 statement. On XX/XX/XXXX, the borrower needed assistance resetting their online password. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower needed assistance access their online account. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower had a payment related inquiry. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is structural. On XX/XX/XXXX, the borrower stated the subject property's roof was leaking and their insurance company denied the claim. As of the review date, there is no evidence that repairs are XX% completed. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 54906403 | XXX | XXX | Critical | Current | [3] There is evidence of property damage. | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact noted from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower had an escrow related inquiry. On XX/XX/XXXX, the borrower requested a 1098 statement. On XX/XX/XXXX, the borrower needed assistance resetting their online password. On XX/XX/XXXX, the borrower scheduled a payment. On XX/XX/XXXX, the borrower had a payment related inquiry. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower needed assistance access their online account. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower had a payment related inquiry. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is structural. On XX/XX/XXXX, the borrower stated the subject property's roof was leaking and their insurance company denied the claim. As of the review date, there is no evidence that repairs are XX% completed. Property repairs have not started. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738537 | XXX | XXX | Critical | Current | [3] Loan has evidence of title issue(s). | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower stated that they were not able to set-up a payment since they were in court. On XX/XX/XXXX, the borrower requested assistance options and noted reason for delinquency as curtailment of income. On XX/XX/XXXX, the borrower was advised of loan being in review for a modification. On XX/XX/XXXX, borrower was advised of payment being due and borrower stated that they would make a payment on the mobile application. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the borrower was advised of document still needed for review. On XX/XX/XXXX, borrower inquired on workout status. On XX/XX/XXXX, borrower stated that they are working on getting the tax returns for XXXX and working on getting another payment in. On XX/XX/XXXX, the borrower made a payment and was advised of still needing tax returns for XXXX and XXXX. On XX/XX/XXXX, the borrower discussed documents still needed and borrower also requested a reinstatement quote. On XX/XX/XXXX, the borrower discussed reinstatement. On XX/XX/XXXX, the borrower was advised of documents still needed. Borrower stated that they uploaded them and advised them that no documents were received. On XX/XX/XXXX, the borrower was advised of documents still needed and borrower was upset since they already sent in the documents. On XX/XX/XXXX, the borrower was advised of missing a schedule in a tax return documents. On XX/XX/XXXX, the borrower stated that they submitted the documents yesterday. On XX/XX/XXXX, the borrower stated that they would send in an appeal for the modification denial. On XX/XX/XXXX, the borrower was advised of reinstatement amount and borrower stated that they would send in an appeal. Dispute for modification denial was noted on XX/XX/XXXX. Dispute resolution was noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower stated that they are in the process of reinstating the account. On XX/XX/XXXX, borrower requested reinstatement quote. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the borrower discussed reinstatement. Per comment on XX/XX/XXXX, loan was reinstated. On XX/XX/XXXX, the borrower discussed account. Foreclosure was dismissed on XX/XX/XXXX. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is evidence of title issues with the property. Title issue was for a city lien recorded on XX/XX/XXXX in the amount of $XX. Comment on XX/XX/XXXX noted that the lien was going to be paid at the time of the REO sale but the loan was brought to performing status. No indication of resolution.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738537 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower stated that they were not able to set-up a payment since they were in court. On XX/XX/XXXX, the borrower requested assistance options and noted reason for delinquency as curtailment of income. On XX/XX/XXXX, the borrower was advised of loan being in review for a modification. On XX/XX/XXXX, borrower was advised of payment being due and borrower stated that they would make a payment on the mobile application. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the borrower was advised of document still needed for review. On XX/XX/XXXX, borrower inquired on workout status. On XX/XX/XXXX, borrower stated that they are working on getting the tax returns for XXXX and working on getting another payment in. On XX/XX/XXXX, the borrower made a payment and was advised of still needing tax returns for XXXX and XXXX. On XX/XX/XXXX, the borrower discussed documents still needed and borrower also requested a reinstatement quote. On XX/XX/XXXX, the borrower discussed reinstatement. On XX/XX/XXXX, the borrower was advised of documents still needed. Borrower stated that they uploaded them and advised them that no documents were received. On XX/XX/XXXX, the borrower was advised of documents still needed and borrower was upset since they already sent in the documents. On XX/XX/XXXX, the borrower was advised of missing a schedule in a tax return documents. On XX/XX/XXXX, the borrower stated that they submitted the documents yesterday. On XX/XX/XXXX, the borrower stated that they would send in an appeal for the modification denial. On XX/XX/XXXX, the borrower was advised of reinstatement amount and borrower stated that they would send in an appeal. Dispute for modification denial was noted on XX/XX/XXXX. Dispute resolution was noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower stated that they are in the process of reinstating the account. On XX/XX/XXXX, borrower requested reinstatement quote. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the borrower discussed reinstatement. Per comment on XX/XX/XXXX, loan was reinstated. On XX/XX/XXXX, the borrower discussed account. Foreclosure was dismissed on XX/XX/XXXX. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is evidence of title issues with the property. Title issue was for a city lien recorded on XX/XX/XXXX in the amount of $XX. Comment on XX/XX/XXXX noted that the lien was going to be paid at the time of the REO sale but the loan was brought to performing status. No indication of resolution.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738537 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower stated that they were not able to set-up a payment since they were in court. On XX/XX/XXXX, the borrower requested assistance options and noted reason for delinquency as curtailment of income. On XX/XX/XXXX, the borrower was advised of loan being in review for a modification. On XX/XX/XXXX, borrower was advised of payment being due and borrower stated that they would make a payment on the mobile application. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the borrower was advised of document still needed for review. On XX/XX/XXXX, borrower inquired on workout status. On XX/XX/XXXX, borrower stated that they are working on getting the tax returns for XXXX and working on getting another payment in. On XX/XX/XXXX, the borrower made a payment and was advised of still needing tax returns for XXXX and XXXX. On XX/XX/XXXX, the borrower discussed documents still needed and borrower also requested a reinstatement quote. On XX/XX/XXXX, the borrower discussed reinstatement. On XX/XX/XXXX, the borrower was advised of documents still needed. Borrower stated that they uploaded them and advised them that no documents were received. On XX/XX/XXXX, the borrower was advised of documents still needed and borrower was upset since they already sent in the documents. On XX/XX/XXXX, the borrower was advised of missing a schedule in a tax return documents. On XX/XX/XXXX, the borrower stated that they submitted the documents yesterday. On XX/XX/XXXX, the borrower stated that they would send in an appeal for the modification denial. On XX/XX/XXXX, the borrower was advised of reinstatement amount and borrower stated that they would send in an appeal. Dispute for modification denial was noted on XX/XX/XXXX. Dispute resolution was noted on XX/XX/XXXX. On XX/XX/XXXX, the borrower stated that they are in the process of reinstating the account. On XX/XX/XXXX, borrower requested reinstatement quote. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the borrower discussed reinstatement. Per comment on XX/XX/XXXX, loan was reinstated. On XX/XX/XXXX, the borrower discussed account. Foreclosure was dismissed on XX/XX/XXXX. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is evidence of title issues with the property. Title issue was for a city lien recorded on XX/XX/XXXX in the amount of $XX. Comment on XX/XX/XXXX noted that the lien was going to be paid at the time of the REO sale but the loan was brought to performing status. No indication of resolution.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738261 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, authorized third party stated that they were going to be make a payment soon. On XX/XX/XXXX, authorized third party stated that they would be making a payment on XX/XX/XXXX. On XX/XX/XXXX, authorized third party made a payment and discussed lender place insurance. Also went over escrow disbursement history. On XX/XX/XXXX, authorized third party made a payment and noted that the property was an investment property. On XX/XX/XXXX, authorized third party made a promise to pay and stated that payments were applied weird and missing about $XX. On XX/XX/XXXX, advised borrower that lender placed insurance was refunded after the proof of coverage was received. Advised them that the amount was refunded back into the escrow account and that a copy of the escrow disbursement history and payment history will help identify how funds were applied. On XX/XX/XXXX, borrower refused to go over account and started to use derogatory language and disconnected the call after using foul language and remarks. On XX/XX/XXXX, discussed lender placed insurance, escrow analysis and advised them that charges have been refunded in full. Advised the borrower of the escrow shortage and payment changes. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738261 | XXX | XXX | Non Critical | Current | [2] Occupancy - Non Owner Occupied | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, authorized third party stated that they were going to be make a payment soon. On XX/XX/XXXX, authorized third party stated that they would be making a payment on XX/XX/XXXX. On XX/XX/XXXX, authorized third party made a payment and discussed lender place insurance. Also went over escrow disbursement history. On XX/XX/XXXX, authorized third party made a payment and noted that the property was an investment property. On XX/XX/XXXX, authorized third party made a promise to pay and stated that payments were applied weird and missing about $XX. On XX/XX/XXXX, advised borrower that lender placed insurance was refunded after the proof of coverage was received. Advised them that the amount was refunded back into the escrow account and that a copy of the escrow disbursement history and payment history will help identify how funds were applied. On XX/XX/XXXX, borrower refused to go over account and started to use derogatory language and disconnected the call after using foul language and remarks. On XX/XX/XXXX, discussed lender placed insurance, escrow analysis and advised them that charges have been refunded in full. Advised the borrower of the escrow shortage and payment changes. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738261 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, authorized third party stated that they were going to be make a payment soon. On XX/XX/XXXX, authorized third party stated that they would be making a payment on XX/XX/XXXX. On XX/XX/XXXX, authorized third party made a payment and discussed lender place insurance. Also went over escrow disbursement history. On XX/XX/XXXX, authorized third party made a payment and noted that the property was an investment property. On XX/XX/XXXX, authorized third party made a promise to pay and stated that payments were applied weird and missing about $XX. On XX/XX/XXXX, advised borrower that lender placed insurance was refunded after the proof of coverage was received. Advised them that the amount was refunded back into the escrow account and that a copy of the escrow disbursement history and payment history will help identify how funds were applied. On XX/XX/XXXX, borrower refused to go over account and started to use derogatory language and disconnected the call after using foul language and remarks. On XX/XX/XXXX, discussed lender placed insurance, escrow analysis and advised them that charges have been refunded in full. Advised the borrower of the escrow shortage and payment changes. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738260 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower had an insurance related inquiry. On XX/XX/XXXX, the borrower had inquiry about the claim check mailing address. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower needed assistance making their payment online. On XX/XX/XXXX, the borrower discussed the most recent natural disaster. On XX/XX/XXXX, the borrower inquired about their forbearance disaster payment plan. On XX/XX/XXXX, the borrower called in to set up a payment. On XX/XX/XXXX, the borrower had an insurance inquiry. On XX/XX/XXXX, the borrower requested a 1098 statement. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: Comments, dated XX/XX/XXXX, reflects the subject property is located in an area declared a XX disaster area, due to Hurricane Milton, on XX/XX/XXXX. No FEMA Designation was provided in comments. There is no evidence of property damage. |
| XXX | XXX | 991738260 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was no contact from XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the borrower had an insurance related inquiry. On XX/XX/XXXX, the borrower had inquiry about the claim check mailing address. On XX/XX/XXXX, the borrower had an account related inquiry. On XX/XX/XXXX, the borrower needed assistance making their payment online. On XX/XX/XXXX, the borrower discussed the most recent natural disaster. On XX/XX/XXXX, the borrower inquired about their forbearance disaster payment plan. On XX/XX/XXXX, the borrower called in to set up a payment. On XX/XX/XXXX, the borrower had an insurance inquiry. On XX/XX/XXXX, the borrower requested a 1098 statement. There was no further contact noted. The loan is current and performing.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: Comments, dated XX/XX/XXXX, reflects the subject property is located in an area declared a XX disaster area, due to Hurricane Milton, on XX/XX/XXXX. No FEMA Designation was provided in comments. There is no evidence of property damage. |
| XXX | XXX | 991738653 | XXX | XXX | Acceptable | Current | [1] Current Status - Performing | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower discussed escrow and how to obtain the 1098 document. On XX/XX/XXXX, the borrower advised that they were having issues accessing the online account. On XX/XX/XXXX, the borrower requested the 1098 document. On XX/XX/XXXX, the borrower discussed refund. On XX/XX/XXXX, the borrower requested payoff quote and got them onto the website. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738653 | XXX | XXX | Non Critical | Current | [2] Occupancy - Non Owner Occupied | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower discussed escrow and how to obtain the 1098 document. On XX/XX/XXXX, the borrower advised that they were having issues accessing the online account. On XX/XX/XXXX, the borrower requested the 1098 document. On XX/XX/XXXX, the borrower discussed refund. On XX/XX/XXXX, the borrower requested payoff quote and got them onto the website. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |
| XXX | XXX | 991738653 | XXX | XXX | Acceptable | Current | [1] Performing Loan and Weak Possibility of Going Delinquent | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Prior to XX/XX/XXXX, there was no contact with the borrower. On XX/XX/XXXX, the borrower discussed escrow and how to obtain the 1098 document. On XX/XX/XXXX, the borrower advised that they were having issues accessing the online account. On XX/XX/XXXX, the borrower requested the 1098 document. On XX/XX/XXXX, the borrower discussed refund. On XX/XX/XXXX, the borrower requested payoff quote and got them onto the website. There was no further contact with the borrower. Loan is performing and next due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is XX. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A |

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## Exhibit 99.2

![](covius_logo2.jpg)

## Executive Summary

## GSMBS 2025-R1

**(1)** **Type of Assets.**

Covius Real Estate Services, LLC ("CRES") performed the due diligence services described below on behalf of Northpointe Bank (the "Client"). The loans were originated by one Seller and acquired directly (or indirectly) by Goldman Sachs Mortgage Company through a Reliance Letter. The loan reviews were conducted from September 2021 through March 2022 by CRES.

**(2)** **Number of Assets.**

There were 54 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":

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| | |
|:---|:---|
| &nbsp;&nbsp; **NRSRO** | &nbsp;&nbsp; **Title and Date of Criteria** |
| DBRS, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Third-Party Due- Diligence Criteria and Representations & Warranties for U.S. RMBS Transactions dated September 30, 2024 |
| Fitch Ratings, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• U.S. RMBS Rating Criteria dated October 1, 2025 |
| Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• US RMBS Rating Methodology, dated December 7, 2023 |
| Moody's Investors Service, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• US Residential Mortgage-backed Securitizations, dated August 20, 2025 |
| S&P Global, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Global Methodology And Assumptions: Assessing Pools Of Residential Loans, Jan. 25, 2019 Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, Feb 21, 2025 |

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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.**

Page 1 of 11

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The due diligence review was conducted on 100% of the loan population and consisted of 54 mortgage loans with an aggregate original principal balance of approximately $34,512,486. The mortgage loans were originated between August 2021 and February 2022, by twenty-four originators.

**(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).

**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.

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**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 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 an enhanced desk review product, (such as an ARR from ProTeck or CDA from Clear Capital), from a client approved AMC is required on all transactions. In lieu of an enhanced desk review product, a field review or second appraisal from a client approved AMC is acceptable. The source of the Appraisal Review Product may not be the same AMC used for the appraisal. If the Collateral Underwriter Risk Score was 2.5 or below an additional valuation product was not required. If the Collateral Underwriter Risk Score is greater than 2.5 an enhanced desk review product was also required. 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 a Client approved AMC. All ARR or CDA documentation provided by a client approved AMC vendor was recorded by CRES, as an acceptable valuation support option as long as valuations were obtained in accordance with guidelines and through notable AMC vendors. Any loans that did not maintain an enhanced desk review or did not meet the Client's vendor requirements were conditioned and communicated with the Client.

For loans that did not maintain an acceptable enhanced desk review product, CRES ordered an Appraisal Risk Review (ARR) or Collateral Desktop Analysis (CDA) from various Appraisal Management Companies for valuation support. All loans outside of a 10% variance from the original appraised value were identified and communicated to the Client.

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

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#### Compliance Review Methodology (Consumer Loans)

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

In addition to the TRID specific items, the loans were also subject to the following Pre-TRID and Post- TRID compliance testing.

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

Qualified Mortgage (12 CFR § 1026.43)

<br> (I) Negative Amortization Loan test.

<br> (II) Interest Only Loan test.

<br> (III) Balloon Payment Loan test.

<br> (IV) Loan Term test.

<br> (V) Points and Fees test.

<br> (VI) The Qualified Mortgage DTI Threshold test.

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

<br> (I) APR threshold test.

<br> (II) Points and fees threshold test.

<br> (III) Prepayment penalty threshold test.

<br> (IV) Is Not a High-Costs Mortgage.

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

<br> (I) Higher-Priced Mortgage Loan test.

<br> (II) Higher-priced mortgage loan required escrow account test.

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

<br> (I) TILA finance charge test.

<br> (II) TILA APR test.

<br> (III) Dual Broker Compensation test.

<br> (IV) Loan originator credits test.

<br> (V) TILA Financing of Single Premium Credit Insurance test.

<br> (VI) TILA Right of Rescission Test:

Initial Loan Estimate Timing Requirements (12 CFR §1026.19)

<br> (I) Initial loan estimate delivery date test (from application).

<br> (II) Initial loan estimate delivery date test (prior to consummation).

<br> (III) Written list of service provider's disclosure date test.

Revised Loan Estimate Timing Requirements (12 CFR §1026.19)

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

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

<br> (I) Valid or invalid changed circumstances test.

<br> (II) Revised loan estimate delivery date and changed circumstances date test.

<br> (III) Revised loan estimate lender credits test.

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Initial Closing Disclosure Timing Requirements

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

Initial Closing Disclosure Timing & Changed Circumstances Requirements

<br> (I) Valid or invalid changed circumstances test.

<br> (II) Initial closing disclosure delivery date and changed circumstances date test.

<br> (III) Initial closing disclosure lender credits test.

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

<br> (I) APR Tolerance Test.

<br> (II) Revised Closing Disclosure Waiting Period Required test.

<br> (III) Revised closing disclosure delivery date test.

Revised Closing Disclosure Timing & Changed Circumstances Requirements

<br> (I) Valid or invalid changed circumstances test.

<br> (II) Revised closing disclosure delivery date and changed circumstances date test.

<br> (III) Revised closing disclosure delivery date and date the rate was set test.

<br> (IV) Revised closing disclosure lender credits test.

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

<br> (I) Charges that cannot increase test.

<br> (II) Lender credits that cannot decrease test.

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

<br> (IV) Charges that can have an unlimited increase test.

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

<br> (I) Homeownership counseling organizations disclosure date test.

<br> (II) Good Faith Estimate disclosure date test.

<br> (III) RESPA "Your Credit or Charge" (802) Disallowed Credit and Charge test.

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

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

CRES reviews all loan transactions that are covered by the Ability to Repay rule as set forth in Regulation Z- Truth in Lending Act (TILA) to determine whether the lender considered and evaluated the eight underwriting factors. The eight factors reviewed are: (i) Current or reasonably expected income or assets (other than the value of the property that secures the loan) that the consumer will rely on to repay the loan,

&nbsp;&nbsp;&nbsp;&nbsp;(ii) Current employment status (if you rely on employment income when assessing the consumer's ability to repay), (iii) Projected monthly mortgage payment for this loan (calculated using the introductory or fully- indexed rate, whichever is higher, and monthly, fully-amortizing payments that are substantially equal),

&nbsp;&nbsp;&nbsp;&nbsp;(iv) Projected monthly payment on any simultaneous loans secured by the same property, (v) Monthly payments for property taxes and insurance that you require the consumer to buy, and certain other costs related to the property such as homeowners association fees or ground rent, (vi) Debts, alimony, and child- support obligations, (vii) Monthly debt-to-income ratio or residual income, calculated using the total of all of the mortgage and non-mortgage obligations listed above, as a ratio of gross monthly income, and (viii) Credit history.

*<u>Qualified Mortgage</u>*

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

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

Note that CRES determines the mortgage loan's status under the ATR or QM rule requirements and assigns a proper due diligence mortgage loan designation that is solely based on the documentation available at the time of the review. The seller's guidelines were updated 6/25/2021 to allow loans to be qualified under the new General QM requirements. All the loans in the population were reviewed to the new General QM requirements.

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

---

| | | |
|:---|:---|:---|
| | &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; 9 | &nbsp;&nbsp;&nbsp; 16.67% |
| &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; 45 | &nbsp;&nbsp;&nbsp; 88.33% |

---

#### 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;Appraisal. |
| &nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Asset documentation.<br> &nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Business Purpose Certification (if applicable) |
| &nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Changed circumstance documentation. |
| &nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Credit report. |
| &nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;FACTA disclosures. |
| &nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Final 1003. |
| &nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Final HUD-1/Closing Disclosure(s). |
| &nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Hazard and/or flood insurance policies. |
| &nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;HUD from sale of previous residence. |
| &nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Homeownership counseling organizations disclosure. |
| &nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Income and employment documentation. |
| &nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Initial and final GFE's. |
| &nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Initial application (1003). |
| &nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Initial escrow disclosure. |
| &nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Initial TIL.<br> &nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Leases |

---

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---

| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Loan Estimate(s).<br> &nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Market Rent supporting documentation |
| &nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Mortgage Insurance. |
| &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;Notice of Special Flood Hazards. |
| &nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Sales contract. |
| &nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Tangible Net Benefit Disclosure. |
| &nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Title/Preliminary Title. |
| &nbsp;&nbsp;&nbsp;&nbsp;•&nbsp;&nbsp;&nbsp;&nbsp;Written List of Service Providers. |

---

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

---

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 54 mortgage loans reviewed, forty-five unique mortgage loans had at least one tape discrepancy across 20 data fields (some mortgage loans had more than one data discrepancy). The following table discloses the number of data discrepancies noted by field name. Note, 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; Discrepancy: Yes | &nbsp;&nbsp;&nbsp;&nbsp;Total |
| &nbsp;&nbsp; Appraised Value | &nbsp;&nbsp; 48 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6 | 54 |
| &nbsp;&nbsp; CLTV | &nbsp;&nbsp; 43 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11 | 54 |
| &nbsp;&nbsp; Doc Level | &nbsp;&nbsp; 54 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0 | 54 |
| &nbsp;&nbsp; DTI\* | &nbsp;&nbsp; 54 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0 | 54 |
| &nbsp;&nbsp; FICO | &nbsp;&nbsp; 12 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 42 | 54 |
| &nbsp;&nbsp; First Payment Date | &nbsp;&nbsp; 54 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0 | 54 |
| &nbsp;&nbsp; Interest Rate | &nbsp;&nbsp; 53 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1 | 54 |
| &nbsp;&nbsp; Lien Position | &nbsp;&nbsp; 54 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0 | 54 |
| &nbsp;&nbsp; Loan Term | &nbsp;&nbsp; 54 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0 | 54 |
| &nbsp;&nbsp; LTV | &nbsp;&nbsp; 43 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11 | 54 |
| &nbsp;&nbsp; Note Date\* | &nbsp;&nbsp; 54 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0 | 54 |
| &nbsp;&nbsp; Note Type | &nbsp;&nbsp; 54 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0 | 54 |
| &nbsp;&nbsp; Occupancy | &nbsp;&nbsp; 54 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0 | 54 |
| &nbsp;&nbsp; Original Balance | &nbsp;&nbsp; 54 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0 | 54 |
| &nbsp;&nbsp; P&I Payment | &nbsp;&nbsp; 52 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2 | 54 |
| &nbsp;&nbsp; Property City | &nbsp;&nbsp; 53 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1 | 54 |
| &nbsp;&nbsp; Property State | &nbsp;&nbsp; 54 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0 | 54 |
| &nbsp;&nbsp; Property Zip | &nbsp;&nbsp; 54 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0 | 54 |

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; Purpose | &nbsp;&nbsp; 54 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0 | 54 |
| &nbsp;&nbsp; QM Type\* | &nbsp;&nbsp; 54 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0 | 54 |
| \*: Tape data was not available to compare. | \*: Tape data was not available to compare. | \*: Tape data was not available to compare. | \*: Tape data was not available to compare. |
| DTI Variance Threshold Applied: 3% | DTI Variance Threshold Applied: 3% | DTI Variance Threshold Applied: 3% | DTI Variance Threshold Applied: 3% |

---

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

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

Approximately 100.00% of the mortgage loans by number have a Credit grade of "B" or higher and 75.93% 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; **NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 41 | 75.93% |
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14 | 25.93% |
| 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; **Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **54** | **100.00%** |

---

#### Compliance Results Summary

Approximately 100.00% of all mortgage loans by number 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; **NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 54 | 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; **Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **54** | **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; **NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 54 | 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; **Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **54** | **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100.00%** |

---

#### Overall Results Summary

Approximately 100.00% of all loans by number received an "A" or "B" overall grade and 75.93% 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; **NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 41 | 75.93% |
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14 | 25.93% |

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---

| | | |
|:---|:---|:---|
| 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; **Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **54** | **100.00%** |

---

**(8)** **Pool Stratification Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Lien Position** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Count** | **Percentage** |
| &nbsp;&nbsp; First | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 54 | 100.00% |
| &nbsp;&nbsp; **Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **54** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Note Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Count** | **Percentage** |
| &nbsp;&nbsp; **Arm** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1 | 1.85% |
| &nbsp;&nbsp; **Fixed** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 53 | 98.15% |
| &nbsp;&nbsp; **Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **54** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Occupancy** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Count** | **Percentage** |
| &nbsp;&nbsp; **Owner Occupied** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 34 | 62.96% |
| &nbsp;&nbsp; **Non-Owner Occupied** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9 | 16.67% |
| &nbsp;&nbsp; **Second Home** | 11 | &nbsp;&nbsp;&nbsp;&nbsp; 20.37% |
| &nbsp;&nbsp; **Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **54** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Purpose** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Count** | **Percentage** |
| &nbsp;&nbsp; **Purchase** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 39 | 72.22% |
| &nbsp;&nbsp; **Refi - Cash Out** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10 | 18.52% |
| &nbsp;&nbsp; **Rate Term Refi** | 5 | 9.26% |
| &nbsp;&nbsp; **Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **54** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Property Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Count** | **Percentage** |
| &nbsp;&nbsp; **Single Family** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 27 | 50.00% |
| &nbsp;&nbsp; **PUD** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9 | 16.67% |
| &nbsp;&nbsp; **Condo** | 17 | 31.48% |
| &nbsp;&nbsp; **2-4 Family** | 1 | 1.85% |
| &nbsp;&nbsp; **Commercial** | 0 | 0.00% |
| &nbsp;&nbsp; **Townhome** | 0 | 0.00% |
| &nbsp;&nbsp; **Mixed Use** | 0 | 0.00% |
| &nbsp;&nbsp; **Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **54** | **100.00%** |
| &nbsp;&nbsp; **Debt to Income** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Count** | **Percentage** |

---

Page 9 of 11

------

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **0-9.99%\*** | 0 | 0.00% |
| &nbsp;&nbsp; **10%-19.99%** | 4 | 7.41% |
| &nbsp;&nbsp; **20%-29.99%** | 14 | 25.93% |
| &nbsp;&nbsp; **30%-39.99%** | 18 | 33.33% |
| &nbsp;&nbsp; **40%-49.99%** | 18 | 33.33% |
| &nbsp;&nbsp; **50%-60.00%** | 0 | 0.00% |
| &nbsp;&nbsp; **Total** | **54** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Loan to Value** | &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%** | 2 | 3.70% |
| &nbsp;&nbsp; **40%-49.99%** | 4 | 7.41% |
| &nbsp;&nbsp; **50%-59.99%** | 3 | 5.56% |
| &nbsp;&nbsp; **60%-69.99%** | 7 | 12.96% |
| &nbsp;&nbsp; **70%-79.99%** | 16 | 29.63% |
| &nbsp;&nbsp; **80%-89.99%** | 17 | 31.48% |
| &nbsp;&nbsp; **90%-100%** | 5 | 9.26% |
| &nbsp;&nbsp; **Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **54** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **State** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Count** | **Percentage** |
| AZ | 1 | 1.85% |
| CA | 8 | 14.81% |
| CO | 2 | 3.70% |
| CT | 2 | 3.70% |
| DC | 1 | 1.85% |
| FL | 6 | 11.11% |
| GA | 2 | 3.70% |
| IL | 2 | 3.70% |
| IN | 1 | 1.85% |
| KY | 2 | 3.70% |
| MO | 1 | 1.85% |
| NC | 3 | 5.56% |
| NJ | 1 | 1.85% |
| NV | 1 | 1.85% |
| NY | 2 | 3.70% |
| OH | 2 | 3.70% |
| OR | 1 | 1.85% |
| PA | 1 | 1.85% |
| RI | 1 | 1.85% |
| SC | 4 | 7.41% |
| TX | 7 | 12.96% |
| UT | 1 | 1.85% |

---

Page 10 of 11

------

---

| | | |
|:---|:---|:---|
| VA | 2 | 3.70% |
| &nbsp;&nbsp; **Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **54** | **100.00%** |

---

Page 11 of 11

## Exhibit 99.2

![](covius_logo.jpg)

### ATR QM Data Fields

*Loans in Report: 54*

** 

<br> *---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Loan Number** | **Alt Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** |
| XXXXXXXXXXXXX | 80082531 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082517 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082679 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082503 | Not covered/exempt | No | No |
| XXXXXXXXXXXXX | 80082655 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80081813 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082285 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082271 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082255 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082230 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082658 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082648 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082634 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80081680 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082210 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082192 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082172 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082588 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082375 | Not covered/exempt | No | No |
| XXXXXXXXXXXXX | 80082362 | Not covered/exempt | No | No |
| XXXXXXXXXXXXX | 80082571 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082347 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082551 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082319 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082016 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80081998 | Not covered/exempt | No | No |
| XXXXXXXXXXXXX | 80081834 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80081814 | Not covered/exempt | No | No |
| XXXXXXXXXXXXX | 80081790 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082300 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082211 | Not covered/exempt | No | No |
| XXXXXXXXXXXXX | 80082193 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082394 | Not covered/exempt | No | No |
| XXXXXXXXXXXXX | 80082376 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082363 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082723 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082710 | Not covered/exempt | No | No |
| XXXXXXXXXXXXX | 80082334 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082697 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80081873 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082321 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082774 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80081851 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082757 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082740 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082724 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80081883 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80081874 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80081835 | Not covered/exempt | No | No |
| XXXXXXXXXXXXX | 80081864 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80081817 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082302 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082304 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 80082287 | Non-QM: Compliant with ATR | No | Yes |
| **54** |  |  |  |  |

---

*

** 

<br> ** 

<br> ** 

<br> ** 

<br> ** <br>

## Exhibit 99.2

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alt Loan Number** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |
| XXXXXXXXXX | 80082757 | 43 | XXX | LTV | XXX | Yes |
| XXXXXXXXXX | 80082230 | 50 | XXX | LTV | XXX | Yes |
| XXXXXXXXXX | 80082658 | 62 | XXX | LTV | XXX | Yes |
| XXXXXXXXXX | 80081790 | 32 | XXX | LTV | XXX | Yes |
| XXXXXXXXXX | 80082517 | 73 | XXX | LTV | XXX | Yes |
| XXXXXXXXXX | 80082255 | 54 | XXX | LTV | XXX | Yes |
| XXXXXXXXXX | 80082210 | 53 | XXX | LTV | XXX | Yes |
| XXXXXXXXXX | 80082347 | 55 | XXX | LTV | XXX | Yes |
| XXXXXXXXXX | 80082172 | 69 | XXX | LTV | XXX | Yes |
| XXXXXXXXXX | 80082697 | 58 | XXX | LTV | XXX | Yes |
| XXXXXXXXXX | 80082710 | 40 | XXX | LTV | XXX | Yes |
| XXXXXXXXXX | 80082757 | 43 | XXX | CLTV | XXX | Yes |
| XXXXXXXXXX | 80082230 | 50 | XXX | CLTV | XXX | Yes |
| XXXXXXXXXX | 80082658 | 62 | XXX | CLTV | XXX | Yes |
| XXXXXXXXXX | 80081790 | 32 | XXX | CLTV | XXX | Yes |
| XXXXXXXXXX | 80082517 | 73 | XXX | CLTV | XXX | Yes |
| XXXXXXXXXX | 80082255 | 54 | XXX | CLTV | XXX | Yes |
| XXXXXXXXXX | 80082210 | 53 | XXX | CLTV | XXX | Yes |
| XXXXXXXXXX | 80082347 | 55 | XXX | CLTV | XXX | Yes |
| XXXXXXXXXX | 80082172 | 69 | XXX | CLTV | XXX | Yes |
| XXXXXXXXXX | 80082697 | 58 | XXX | CLTV | XXX | Yes |
| XXXXXXXXXX | 80082710 | 40 | XXX | CLTV | XXX | Yes |
| XXXXXXXXXX | 80082648 | XXXXXXXXXX | XXXXXXXXXX | P&I Payment | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 80082697 | XXXXXXXXXX | XXXXXXXXXX | P&I Payment | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 80082230 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 80081814 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 80081790 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 80082255 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 80082774 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 80082697 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 80082648 | XXXXXXXXXX | XXXXXXXXXX | Interest Rate | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 80082757 | 666 | 610 | FICO | -56 | Yes |
| XXXXXXXXXX | 80082230 | 731 | 745 | FICO | 14 | Yes |
| XXXXXXXXXX | 80082658 | 663 | 650 | FICO | -13 | Yes |
| XXXXXXXXXX | 80082655 | 708 | 722 | FICO | 14 | Yes |
| XXXXXXXXXX | 80081814 | 793 | 788 | FICO | -5 | Yes |
| XXXXXXXXXX | 80082285 | 746 | 747 | FICO | 1 | Yes |
| XXXXXXXXXX | 80082304 | 809 | 792 | FICO | -17 | Yes |
| XXXXXXXXXX | 80082334 | 798 | 795 | FICO | -3 | Yes |
| XXXXXXXXXX | 80081817 | 694 | 709 | FICO | 15 | Yes |
| XXXXXXXXXX | 80081680 | 815 | 809 | FICO | -6 | Yes |
| XXXXXXXXXX | 80081790 | 751 | 802 | FICO | 51 | Yes |
| XXXXXXXXXX | 80081874 | 788 | 744 | FICO | -44 | Yes |
| XXXXXXXXXX | 80081883 | 692 | 734 | FICO | 42 | Yes |
| XXXXXXXXXX | 80082302 | 755 | 740 | FICO | -15 | Yes |
| XXXXXXXXXX | 80082193 | 829 | 817 | FICO | -12 | Yes |
| XXXXXXXXXX | 80082588 | 798 | 760 | FICO | -38 | Yes |
| XXXXXXXXXX | 80082300 | 776 | 789 | FICO | 13 | Yes |
| XXXXXXXXXX | 80082362 | 803 | 807 | FICO | 4 | Yes |
| XXXXXXXXXX | 80082255 | 714 | 716 | FICO | 2 | Yes |
| XXXXXXXXXX | 80082376 | 714 | 777 | FICO | 63 | Yes |
| XXXXXXXXXX | 80082774 | 771 | 773 | FICO | 2 | Yes |
| XXXXXXXXXX | 80082394 | 770 | 762 | FICO | -8 | Yes |
| XXXXXXXXXX | 80082192 | 784 | 747 | FICO | -37 | Yes |
| XXXXXXXXXX | 80082571 | 753 | 741 | FICO | -12 | Yes |
| XXXXXXXXXX | 80082679 | 721 | 746 | FICO | 25 | Yes |
| XXXXXXXXXX | 80082210 | 765 | 706 | FICO | -59 | Yes |
| XXXXXXXXXX | 80081834 | 802 | 808 | FICO | 6 | Yes |
| XXXXXXXXXX | 80082363 | 761 | 750 | FICO | -11 | Yes |
| XXXXXXXXXX | 80081998 | 816 | 809 | FICO | -7 | Yes |
| XXXXXXXXXX | 80082211 | 809 | 805 | FICO | -4 | Yes |
| XXXXXXXXXX | 80082503 | 763 | 713 | FICO | -50 | Yes |
| XXXXXXXXXX | 80082375 | 742 | 734 | FICO | -8 | Yes |
| XXXXXXXXXX | 80082551 | 818 | 817 | FICO | -1 | Yes |
| XXXXXXXXXX | 80081851 | 782 | 774 | FICO | -8 | Yes |
| XXXXXXXXXX | 80081873 | 808 | 798 | FICO | -10 | Yes |
| XXXXXXXXXX | 80082347 | 704 | 707 | FICO | 3 | Yes |
| XXXXXXXXXX | 80082172 | 757 | 760 | FICO | 3 | Yes |
| XXXXXXXXXX | 80082697 | 798 | 796 | FICO | -2 | Yes |
| XXXXXXXXXX | 80081813 | 786 | 789 | FICO | 3 | Yes |
| XXXXXXXXXX | 80082319 | 737 | 734 | FICO | -3 | Yes |
| XXXXXXXXXX | 80082723 | 773 | 746 | FICO | -27 | Yes |
| XXXXXXXXXX | 80082710 | 722 | 719 | FICO | -3 | Yes |
| XXXXXXXXXX | 80082634 | XXXXXXXXXX | XXXXXXXXXX | Property City | Yes | Yes |

---

## Exhibit 99.2

#### Rating Agency Grades: 11/11/2025

---

| | | |
|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** |
| **Loan Number** | **Alternate Loan ID** | **Note Original Balance** |
| XXXXXXXXX | 80082531 | XXXXXXXXX<br> A |
| XXXXXXXXX | 80082517 | XXXXXXXXX<br> C<br> A |
| XXXXXXXXX | 80082679 | XXXXXXXXX<br> D<br> B<br> A |
| XXXXXXXXX | 80082503 | XXXXXXXXX<br> C<br> A<br> D<br> B |
| XXXXXXXXX | 80082655 | XXXXXXXXX<br> C<br> A |
| XXXXXXXXX | 80081813 | XXXXXXXXX<br> C<br> A |
| XXXXXXXXX | 80082285 | XXXXXXXXX<br> D<br> A |
| XXXXXXXXX | 80082271 | XXXXXXXXX<br> C<br> D<br> A |
| XXXXXXXXX | 80082255 | XXXXXXXXX<br> A<br> C |
| XXXXXXXXX | 80082230 | XXXXXXXXX<br> D<br> C<br> A |
| XXXXXXXXX | 80082658 | XXXXXXXXX<br> C<br> A<br> B |
| XXXXXXXXX | 80082648 | XXXXXXXXX<br> C<br> A |
| XXXXXXXXX | 80082634 | XXXXXXXXX<br> C<br> A |
| XXXXXXXXX | 80081680 | XXXXXXXXX<br> D<br> C<br> B<br> A |
| XXXXXXXXX | 80082210 | XXXXXXXXX<br> C<br> A |
| XXXXXXXXX | 80082192 | XXXXXXXXX<br> C<br> A |
| XXXXXXXXX | 80082172 | XXXXXXXXX<br> C<br> A |
| XXXXXXXXX | 80082588 | XXXXXXXXX<br> C<br> A<br> B |
| XXXXXXXXX | 80082375 | XXXXXXXXX<br> C<br> A |
| XXXXXXXXX | 80082362 | XXXXXXXXX<br> C<br> A |
| XXXXXXXXX | 80082571 | XXXXXXXXX<br> C<br> A |
| XXXXXXXXX | 80082347 | XXXXXXXXX<br> C<br> A |
| XXXXXXXXX | 80082551 | XXXXXXXXX<br> C<br> B<br> A |
| XXXXXXXXX | 80082319 | XXXXXXXXX<br> C<br> A |
| XXXXXXXXX | 80082016 | XXXXXXXXX<br> D<br> B<br> C<br> A |
| XXXXXXXXX | 80081998 | XXXXXXXXX<br> C<br> A |
| XXXXXXXXX | 80081834 | XXXXXXXXX<br> C<br> A |
| XXXXXXXXX | 80081814 | XXXXXXXXX<br> D<br> A<br> B |
| XXXXXXXXX | 80081790 | XXXXXXXXX<br> C<br> A<br> B |
| XXXXXXXXX | 80082300 | XXXXXXXXX<br> C<br> A |
| XXXXXXXXX | 80082211 | XXXXXXXXX<br> C<br> B<br> A |
| XXXXXXXXX | 80082193 | XXXXXXXXX<br> D<br> A |
| XXXXXXXXX | 80082394 | XXXXXXXXX<br> A<br> C |
| XXXXXXXXX | 80082376 | XXXXXXXXX<br> A |
| XXXXXXXXX | 80082363 | XXXXXXXXX<br> C<br> A |
| XXXXXXXXX | 80082723 | XXXXXXXXX<br> C<br> A |
| XXXXXXXXX | 80082710 | XXXXXXXXX<br> A<br> C |
| XXXXXXXXX | 80082334 | XXXXXXXXX<br> C<br> A<br> B |
| XXXXXXXXX | 80082697 | XXXXXXXXX<br> C<br> A |
| XXXXXXXXX | 80081873 | XXXXXXXXX<br> C<br> A<br> B |
| XXXXXXXXX | 80082321 | XXXXXXXXX<br> C<br> A |
| XXXXXXXXX | 80082774 | XXXXXXXXX<br> D<br> C<br> A |
| XXXXXXXXX | 80081851 | XXXXXXXXX<br> C<br> A |
| XXXXXXXXX | 80082757 | XXXXXXXXX<br> C<br> A<br> B |
| XXXXXXXXX | 80082740 | XXXXXXXXX<br> C<br> A |
| XXXXXXXXX | 80082724 | XXXXXXXXX<br> C<br> B<br> A |
| XXXXXXXXX | 80081883 | XXXXXXXXX<br> D<br> C<br> A |
| XXXXXXXXX | 80081874 | XXXXXXXXX<br> C<br> D<br> B<br> A |
| XXXXXXXXX | 80081835 | XXXXXXXXX<br> C<br> A |
| XXXXXXXXX | 80081864 | XXXXXXXXX<br> C<br> A<br> B |
| XXXXXXXXX | 80081817 | XXXXXXXXX<br> D<br> C<br> B<br> A |
| XXXXXXXXX | 80082302 | XXXXXXXXX<br> C<br> D<br> A |
| XXXXXXXXX | 80082304 | XXXXXXXXX<br> C<br> A |
| XXXXXXXXX | 80082287 | XXXXXXXXX<br> C<br> A<br> B |

---

## Exhibit 99.2

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 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 | 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 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 | 269 | 270 | 271 | 272 | 273 | 274 | 275 | 276 |
| **Loan Number** | **Alt Loan Number** | **Originator** | **Lender** | **Seller Loan Number** | **MERS/MIN Number** | **Review Guidelines** | **Borrower Last Name** | **Borrower Middle Name** | **Borrower First Name** | **Borrower SSN** | **Borrower Citizenship** | **Borrower Nationality (If Non-US)** | **Borrower Ethnicity** | **Borrower Birthdate** | **Borrower Marital Status** | **Borrower FTHB** | **Borrower Self-Employed** | **Borrower LLC Flag** | **Borrower Income** | **Borrower Years in Same Job** | **Borrower Years in Same Industry** | **Borrower Mailing Address** | **Borrower Mailing City** | **Borrower Mailing State** | **Borrower Mailing ZIP** | **Co-Borrower Last Name** | **Co-Borrower Middle Name** | **Co-Borrower First Name** | **Co-Borrower SSN** | **Co-Borrower Citizenship** | **Co-Borrower Nationality (if Non-US)** | **Co-Borrower Ethnicity** | **Co-Borrower Birthdate** | **Co-Borrower Marital Status** | **Co-Borrower FTHB** | **Co-Borrower Self-Employed** | **Co-Borrower Income** | **Co-Borrower Years in Same Job** | **Co-Borrower Years in Same Industry** | **Property Address** | **Property City** | **Property State** | **Property Zip Code** | **Property County** | **Property Type** | **# of Units** | **Appraisal Date** | **Original Appraised Value** | **Secondary Review Type** | **Secondary Value** | **Secondary Value Date** | **Sales Price** | **Flood Zone (Y/N)** | **Flood Cert Date** | **Purpose** | **Refi Purpose** | **Cash-Out Amount** | **Occupancy** | **Doc Type** | **Borrower FICO** | **Co-Borrower FICO** | **Date of Credit Report** | **LTV** | **CLTV** | **HDTI** | **DTI** | **Residual Income** | **Months Reserves** | **Cash Reserves** | **Payment Shock** | **Loan Product** | **Loan Amount** | **Rate** | **Borrower Points Paid** | **Borrower Contribution** | **Payment Amount (P&I)** | **T&I Monthly** | **Origination Date** | **First Payment Date** | **Maturity Date** | **Term** | **Amortization Term** | **Amortization Type** | **ARM First Interest Rate Change Date** | **ARM Next Interest Rate Change Date** | **ARM First Payment Change Date** | **ARM Next Payment Change Date** | **ARM Reset Frequency (Rate)** | **ARM Reset Frequency (Payment)** | **ARM Index Type** | **ARM Lookback Period** | **ARM Rounding Factor** | **ARM Rounding Method** | **ARM Index** | **ARM Margin** | **ARM Initial Rate Cap** | **ARM Initial Rate Floor** | **ARM Periodic Rate Cap** | **ARM Periodic Rate Floor** | **ARM Life Rate Cap** | **ARM Life Rate Floor** | **ARM Initial Rate Maximum** | **ARM Initial Rate Minimum** | **ARM Life Rate Maximum** | **ARM Life Rate Minimum** | **Interest Only?** | **Interest Only Term** | **Interest Only Expiration Date** | **Prepayment Penalty Period** | **Prepayment Terms** | **Prepayment Penalty Percent/Description** | **Neg Am?** | **Neg Am Amount** | **Lien Position** | **Junior Lien Balance** | **Prior 30 Day Lates** | **Prior 60 Day Lates** | **Prior 90 Day Lates** | **Prior 120 Day Lates** | **Bankruptcy Chapter** | **Bankruptcy Discharge Date** | **Foreclosure Satisfied Date** | **Short Sale Date** | **Deed in Lieu Date** | **Credit Exceptions** | **Cleared Credit Exceptions** | **Cured Credit Exceptions** | **Waived Credit Exceptions** | **Unable To Clear Credit Exceptions** | **Compliance Exceptions** | **Cleared Compliance Exceptions** | **Cured Compliance Exceptions** | **Waived Compliance Exceptions** | **Unable To Clear Compliance Exceptions** | **Compensating Factors** | **Heloc Indicator** | **Total Origination And Discount Points In Dollars** | **Covered High Cost Loan Indicator** | **Relocation Loan Indicator** | **Broker Indicator** | **Channel** | **Escrow Indicator** | **Senior Loan Amounts** | **Loan Type Of Most Senior Lien** | **Hybrid Period Of Most Senior Lien In Months** | **Neg Am Limit Of Most Senior Lien** | **Origination Date Of Most Senior Lien** | **Interest Type Indicator** | **Buy Down Period** | **HELOC Draw Period** | **Interest Paid Through Date** | **Negative Amortization Limit** | **Initial Negative Amortization Recast Period** | **Subsequent Negative Amortization Recast Period** | **Initial Fixed Payment Period** | **Subsequent Payment Reset Period** | **Initial Periodic Payment Cap** | **Subsequent Periodic Payment Cap** | **Initial Minimum Payment Reset Period** | **Subsequent Minimum Payment Reset Period** | **Option ARM Indicator** | **Options At Recast** | **Initial Minimum Payment** | **Current Minimum Payment** | **Prepayment Penalty Hard Term** | **Primary Borrower ID** | **Number Of Mortgaged Properties** | **Current Other Monthly Payment** | **Years In Home** | **FICO Model Used** | **Primary Wage Earner Original FICO Equifax** | **Primary Wage Earner Original FICO Experian** | **Primary Wage Earner Original FICO Transunion** | **Secondary Wage Earner Original FICO Equifax** | **Secondary Wage Earner Original FICO Experian** | **Secondary Wage Earner Original FICO Transunion** | **Most Recent FICO Method** | **Vantagescore Primary Borrower** | **Vantagescore Co Borrower** | **Most Recent Vantagescore Method** | **Vantagescore Date** | **Credit Report Longest Trade Line** | **Credit Report Maximum Trade Line** | **Credit Report Number Of Trade Lines** | **Credit line Usage Ratio** | **Months Bankruptcy** | **Months Foreclosure** | **Primary Borrower Wage Income** | **Co Borrower Wage Income** | **Primary Borrower Other Income** | **Co Borrower Other Income** | **All Borrower Wage Income** | **4506T indicator** | **Borrower Income Verification Level** | **Co Borrower Income Verification Level** | **Borrower Employment Verification Level** | **Co Borrower Employment Verification Level** | **Borrower Asset Verification Level** | **Co Borrower Asset Verification Level** | **Monthly Debt All Borrowers** | **Qualification Method** | **Percentage Of Down Payment From Borrower Own Funds** | **Original Property Valuation Type** | **Original Property Valuation Date** | **Original Automated Valuation Model AVM Model Name** | **Original AVM Confidence Score** | **Most Recent Property Value** | **Most Recent Property Valuation Type** | **Most Recent Property Valuation Date** | **Most Recent AVM Model Name** | **Most Recent AVM Confidence Score** | **Original Pledged Assets** | **Mortgage Insurance Company Name** | **Mortgage Insurance Percent** | **MI Lender Or Borrower Paid** | **Pool Insurance Co Name** | **ATR Designator** | **Application Date** | **Total Number Of Borrowers** | **Value Used For LTV** | **Total Cash Out - Captured** | **QM Reg Failure** | **QM Reg Failure Explanation** | **Account Type** | **Statement Months** | **Guarantor1 Name** | **Guarantor1 Ownership %** | **Guarantor2 Name** | **Guarantor2 Ownership %** | **Guarantor3 Name** | **Guarantor3 Ownership %** | **Guarantor4 Name** | **Guarantor4 Ownership %** | **Guarantor1 Experian FICO** | **Guarantor1 Equifax FICO** | **Guarantor1 Transunion FICO** | **Guarantor1 Qualifying FICO** | **Guarantor2 Experian FICO** | **Guarantor2 Equifax FICO** | **Guarantor2 Transunion FICO** | **Guarantor2 Qualifying FICO** | **Guarantor3 Experian FICO** | **Guarantor3 Equifax FICO** | **Guarantor3 Transunion FICO** | **Guarantor3 Qualifying FICO** | **Guarantor4 Experian FICO** | **Guarantor4 Equifax FICO** | **Guarantor4 Transunion FICO** | **Guarantor4 Qualifying FICO** | **DSCR** | **Review Type Name** | **Loan Status** | **Sponsors Company** | **Personal Guarantee Flag** | **Short Term Rental** | **Income Documentation Number of Months Provided Borrower 1** | **Income Documentation Type Borrower 1** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 3 First Name** | **Guarantor 3 Last Name** | **Guarantor 4 First Name** | **Guarantor 4 Last Name** | **Guarantor 3 DOB** | **Guarantor 4 DOB** | **Borrower Expense Ratio** | **Borrower Employer** | **Borrower Job Title** | **Co-Borrower Employer** | **Co-Borrower Job Title** | **Appraiser Name** | **Appraiser License Number** |
| XXXXXXXXXXXXX | 80082531 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | Yes |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 791 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 12.45 | 46.06 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 0 | 0 |  | 0 | 0 | 0 | 0 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 791 | 791 | 771 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | Yes | 5 |  | 3 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR <br>| XXXXXXXXXXXXX | 1 | Sale Price |  | DTI Exceeds 43 pct |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released&nbsp;&nbsp;&nbsp;&nbsp; <br>|  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082517 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 796 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 11.04 | 28.84 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 9 | 9 |  | 0 | 0 | 2 | 2 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 810 | 796 | 791 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 5 |  | 3 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 1 | Sale Price |  | DTI Exceeds 43 pct |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082679 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Full Appraisal | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No |  | Rate Term Refi | Rate Term Refi | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 746 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 14.62 | 35.59 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 3 | 3 |  | 0 | 0 | 1 | 1 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 746 | 721 | 748 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 5 |  | 3 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 1 | Appraised Value |  | Non-Appendix Q Documentation <br>|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082503 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Desk Review | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 713 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 6.35 | 33.82 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | B | 3 | 1 |  | 2 | 0 | 0 | 0 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 710 | 737 | 713 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 5 |  | 3 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not covered/exempt | XXXXXXXXXXXXX | 1 | Sale Price |  | Non-Consumer Loan |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082655 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | Unknown | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | Yes |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 722 | 721 | XXXXXXXXXXXXX | XXX% | XXX% | 13.32 | 31.64 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 4 | 4 |  | 0 | 0 | 0 | 0 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | Yes | 2 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 708 | 722 | 733 | 766 | 721 | 709 | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 | 1 | 3 | 1 | 4 | 4 | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 2 | Sale Price |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80081813 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Desk Review | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Yes |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 789 | 769 | XXXXXXXXXXXXX | XXX% | XXX% | 13.8 | 31.38 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 2 | 2 |  | 0 | 0 | 0 | 0 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 800 | 784 | 789 | 786 | 769 | 758 | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | Yes | 5 | 5 | 3 | 3 | 4 | 4 | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 3 | Sale Price |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082285 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | Unknown | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Full Appraisal | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 747 | 763 | XXXXXXXXXXXXX | XXX% | XXX% | 35.81 | 44.78 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 2 | 2 |  | 0 | 0 | 0 | 0 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 761 | 746 | 747 | 780 | 760 | 763 | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 5 | 1 | 2 | 1 | 4 | 4 | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 2 | Appraised Value |  | DTI Exceeds 43 pct |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082271 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 762 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 28.25 | 49.99 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 1 | 1 |  | 0 | 0 | 1 | 1 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 772 | 762 | 751 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 |  | 3 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 1 | Sale Price |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082255 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | Unknown | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | No |  | Rate Term Refi | Rate Term Refi |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 716 | 745 | XXXXXXXXXXXXX | XXX% | XXX% | 21.81 | 32.97 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 0 | 0 |  | 0 | 0 | 1 | 1 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 714 | 716 | 754 | 745 | 681 | 769 | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 | 1 | 3 | 1 | 4 | 4 | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 2 | Appraised Value |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082230 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 745 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 28.72 | 41.76 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 1 | 1 |  | 0 | 0 | 1 | 1 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | Yes | 2 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 750 | 731 | 745 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 |  | 2 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 1 | Sale Price |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082658 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | No |  | Refi - Cash Out | Refi - Cash Out | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 650 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 13.17 | 15.66 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | B | 1 | 0 |  | 1 | 0 | 0 | 0 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | Yes | 2 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 650 | 663 | 587 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 |  | 3 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 1 | Appraised Value |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082648 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 768 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 14.88 | 45.9 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 2 | 2 |  | 0 | 0 | 1 | 1 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | Yes | 2 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 775 | 768 | 753 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 |  | 3 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 1 | Appraised Value |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082634 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | Yes | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 701 | 707 | XXXXXXXXXXXXX | XXX% | XXX% | 16.93 | 21.99 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 2 | 2 |  | 0 | 0 | 1 | 1 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 692 | 701 | 711 | 704 | 713 | 707 | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 5 | 5 | 3 | 3 | 4 | 4 | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 2 | Sale Price |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80081680 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | Yes | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Full Appraisal | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 809 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 29.11 | 29.84 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | ARM<br> N | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | B | 5 | 4 |  | 1 | 0 | 1 | 1 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 804 | 815 | 809 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 |  | 3 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 1 | Sale Price |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082210 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | No |  | Refi - Cash Out | Refi - Cash Out | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 706 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 33.05 | 33.05 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 2 | 2 |  | 0 | 0 | 1 | 1 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | Yes | 2 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 706 | 765 | 672 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 |  | 1 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 1 | Appraised Value |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082192 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Desk Review | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Yes |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 747 | 800 | XXXXXXXXXXXXX | XXX% | XXX% | 16.2 | 39.17 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 2 | 2 |  | 0 | 0 | 1 | 1 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 747 | 784 | 747 | 800 | 814 | 771 | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 4 | 4 | 3 | 3 | 3 | 3 | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 2 | Appraised Value |  | DTI Exceeds 43 pct |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082172 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | Yes | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 760 | 780 | XXXXXXXXXXXXX | XXX% | XXX% | 33.57 | 34.66 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 5 | 5 |  | 0 | 0 | 3 | 3 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 802 | 757 | 760 | 807 | 780 | 757 | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | Yes | 3 | 4 | 3 | 3 | 4 | 4 | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 2 | Sale Price |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082588 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | Yes | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Full Appraisal | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Yes |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 760 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 29.06 | 41.62 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | B | 2 | 1 |  | 1 | 0 | 0 | 0 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 760 | 798 | 724 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 5 |  | 3 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 1 | Sale Price |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082375 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | Yes | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 2 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Desk Review | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No |  | Refi - Cash Out | Refi - Cash Out | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 734 | 693 | XXXXXXXXXXXXX | XXX% | XXX% | 16.75 | 35.1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 4 | 4 |  | 0 | 0 | 0 | 0 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 742 | 734 | 734 | 693 | 718 | 691 | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | Yes | 1 | 5 | 1 | 3 | 4 | 4 | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not covered/exempt | XXXXXXXXXXXXX | 2 | Appraised Value |  | Non-Consumer Loan |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082362 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | Unknown | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 807 | 790 | XXXXXXXXXXXXX | XXX% | XXX% | 15.91 | 33.95 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 4 | 4 |  | 0 | 0 | 0 | 0 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 807 | 803 | 812 | 790 | 780 | 800 | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | Yes | 5 | 1 | 3 | 1 | 4 | 4 | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not covered/exempt | XXXXXXXXXXXXX | 2 | Sale Price |  | Non-Consumer Loan |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082571 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | Yes | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Desk Review | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 741 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 16.29 | 22.78 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 1 | 1 |  | 0 | 0 | 1 | 1 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 738 | 753 | 741 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 |  | 3 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 1 | Appraised Value |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082347 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Desk Review | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No |  | Rate Term Refi | Rate Term Refi | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 707 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 27.34 | 36.6 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 3 | 3 |  | 0 | 0 | 1 | 1 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | Yes | 2 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 709 | 704 | 707 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 |  | 3 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 1 | Appraised Value |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082551 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Desk Review | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 817 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 17.02 | 25.36 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 1 | 1 |  | 0 | 0 | 1 | 1 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | Yes | 2 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 817 | 806 | 818 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 |  | 3 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 1 | Appraised Value |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082319 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Desk Review | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No |  | Rate Term Refi | Rate Term Refi | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 734 | 755 | XXXXXXXXXXXXX | XXX% | XXX% | 25.47 | 39.26 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 2 | 2 |  | 0 | 0 | 0 | 0 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 721 | 737 | 734 | 755 | 762 | 742 | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 | 5 | 3 | 3 | 4 | 4 | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 2 | Appraised Value |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082016 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | Yes | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Full Appraisal | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Yes |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 778 | 806 | XXXXXXXXXXXXX | XXX% | XXX% | 29.97 | 42.69 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 2 | 2 |  | 0 | 0 | 1 | 1 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 778 | 780 | 774 | 806 | 815 | 801 | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | Yes | 5 | 5 | 3 | 3 | 4 | 4 | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 2 | Appraised Value |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80081998 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Desk Review | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 809 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 7.74 | 14.03 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 1 | 1 |  | 0 | 0 | 2 | 2 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | Yes | 2 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 816 | 809 | 790 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 |  | 3 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not covered/exempt | XXXXXXXXXXXXX | 1 | Appraised Value |  | Non-Consumer Loan |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80081834 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | Unknown | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 808 | 805 | XXXXXXXXXXXXX | XXX% | XXX% | 35.43 | 41.44 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 2 | 2 |  | 0 | 0 | 2 | 2 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | Yes | 2 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 808 | 803 | 811 | 805 | 793 | 815 | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 | 3 | 1 | 1 | 4 | 4 | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 2 | Sale Price |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80081814 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 788 | 793 | XXXXXXXXXXXXX | XXX% | XXX% | 10.77 | 21.1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | B | 5 | 4 |  | 1 | 0 | 0 | 0 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 788 | 791 |  | 793 | 780 | 793 | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 5 | 5 | 3 | 3 | 4 | 4 | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not covered/exempt | XXXXXXXXXXXXX | 2 | Sale Price |  | Non-Consumer Loan |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80081790 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | Unknown | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | Yes | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | No |  | Refi - Cash Out | Refi - Cash Out | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 802 | 753 | XXXXXXXXXXXXX | XXX% | XXX% | 48.18 | 48.18 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | B | 3 | 1 |  | 2 | 0 | 0 | 0 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 802 | 797 | 811 | 782 | 753 | 751 | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 | 3 | 3 | 3 | 4 | 4 | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 2 | Appraised Value |  | DTI Exceeds 43 pct |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082300 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Desk Review | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 789 | 767 | XXXXXXXXXXXXX | XXX% | XXX% | 13.79 | 28.73 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 1 | 1 |  | 0 | 0 | 1 | 1 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 803 | 781 | 789 | 776 | 758 | 767 | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 5 | 1 | 3 | 1 | 4 | 4 | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 2 | Sale Price |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082211 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Desk Review | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 805 | 798 | XXXXXXXXXXXXX | XXX% | XXX% | 13.53 | 36.92 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 1 | 1 |  | 0 | 0 | 1 | 1 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 805 | 772 | 807 | 798 | 809 | 771 | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 5 | 5 | 3 | 3 | 4 | 4 | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not covered/exempt | XXXXXXXXXXXXX | 2 | Sale Price |  | Non-Consumer Loan |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082193 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Desk Review | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Yes |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 817 | 817 | XXXXXXXXXXXXX | XXX% | XXX% | 14.91 | 41.22 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed 30 Year<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 1 | 1 |  | 0 | 0 | 0 | 0 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 817 | 839 | 807 | 817 | 829 | 804 | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 5 | 5 | 3 | 3 | 4 | 4 | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 2 | Sale Price |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082394 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Desk Review | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 762 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 18.61 | 38.64 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 0 | 0 |  | 0 | 0 | 1 | 1 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 762 | 770 | 735 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 5 |  | 3 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not covered/exempt | XXXXXXXXXXXXX | 1 | Sale Price |  | Non-Consumer Loan |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082376 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | Yes | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Desk Review | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 777 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 21.87 | 41.47 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed 30 Year<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 0 | 0 |  | 0 | 0 | 0 | 0 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 802 | 703 | 777 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 |  | 3 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 1 | Appraised Value |  | DTI Exceeds 43 pct |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082363 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 750 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 22.42 | 37.14 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 2 | 2 |  | 0 | 0 | 2 | 2 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 761 | 812 | 750 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 |  | 2 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 1 | Sale Price |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082723 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | Unknown | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Desk Review | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No |  | Refi - Cash Out | Refi - Cash Out | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 746 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 10.2 | 25.48 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 1 | 1 |  | 0 | 0 | 1 | 1 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 746 | 773 | 722 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 |  | 3 |  | 1 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 1 | Appraised Value |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082710 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | Yes | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | Unknown | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 2 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Desk Review | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No |  | Refi - Cash Out | Refi - Cash Out | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 719 | 763 | XXXXXXXXXXXXX | XXX% | XXX% | 19.14 | 41.93 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 2 | 1 |  | 1 | 0 | 1 | 1 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 722 | 684 | 719 | 766 | 749 | 763 | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 | 1 | 3 | 1 | 4 | 4 | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not covered/exempt | XXXXXXXXXXXXX | 2 | Appraised Value |  | Non-Consumer Loan |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082334 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Desk Review | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | Yes |  | Refi - Cash Out | Refi - Cash Out | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 795 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 32.17 | 49.24 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | B | 1 | 0 |  | 1 | 0 | 1 | 1 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | Yes | 2 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 743 | 798 | 795 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 |  | 2 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 1 | Appraised Value |  | DTI Exceeds 43 pct |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082697 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | No |  | Rate Term Refi | Rate Term Refi | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 796 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 9.47 | 24.74 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 1 | 1 |  | 0 | 0 | 0 | 0 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 791 | 798 | 796 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 4 |  | 3 |  | 1 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 1 | Appraised Value |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80081873 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Desk Review | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 798 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 4.94 | 24.11 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 5 | 5 |  | 0 | 0 | 0 | 0 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | Yes | 2 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 798 | 808 | 787 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 5 |  | 3 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 1 | Sale Price |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082321 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Desk Review | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 784 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 16.23 | 25.15 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 1 | 1 |  | 0 | 0 | 1 | 1 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 777 | 784 | 784 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 5 |  | 3 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 1 | Sale Price |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082774 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | Yes | Unknown | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 773 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 35.04 | 45.2 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 5 | 5 |  | 0 | 0 | 0 | 0 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 804 | 771 | 773 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 |  | 3 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 1 | Sale Price |  | DTI Exceeds 43 pct |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80081851 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Desk Review | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 774 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 19.11 | 49.47 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 7 | 7 |  | 0 | 0 | 2 | 2 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 4 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 764 | 774 | 782 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | Yes | 5 |  | 3 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 1 | Appraised Value |  | DTI Exceeds 43 pct |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082757 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Desk Review | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No |  | Refi - Cash Out | Refi - Cash Out | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 610 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 39.8 | 48.66 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | B | 7 | 5 |  | 2 | 0 | 2 | 2 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 1 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 593 | 666 | 610 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 |  | 3 |  | 3 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 1 | Appraised Value |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082740 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 755 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 29.88 | 42.91 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 1 | 1 |  | 0 | 0 | 0 | 0 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 1 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 777 | 755 | 752 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 |  | 3 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 1 | Sale Price |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082724 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | Yes | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 748 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 20.67 | 27.63 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | B | 7 | 6 |  | 1 | 0 | 3 | 3 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 1 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 760 | 748 | 737 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 |  | 3 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 1 | Sale Price |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80081883 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Desk Review | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | No |  | Refi - Cash Out | Refi - Cash Out | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 734 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 14.64 | 27.03 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 2 | 2 |  | 0 | 0 | 1 | 1 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 734 | 692 | 743 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 |  | 3 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 1 | Appraised Value |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80081874 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | 8/15/1999 |  | Yes | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | Yes | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Field Review | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 744 | 785 | XXXXXXXXXXXXX | XXX% | XXX% | 25.34 | 30.06 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | B | 3 | 2 |  | 1 | 0 | 1 | 1 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 1 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 723 | 744 | 757 | 785 | 774 | 788 | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 | 1 | 3 | 1 | 4 | 4 | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 2 | Appraised Value |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80081835 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | Information Not Provided <br>| 6/5/1974 |  | No | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | No |  | Refi - Cash Out Limited <br>| Refi - Cash Out Limited <br>|  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 683 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 8.96 | 39.11 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 4 | 4 |  | 0 | 0 | 2 | 2 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 1 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 668 | 683 | 683 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | Yes | 5 |  | 3 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not covered/exempt | XXXXXXXXXXXXX | 1 | Appraised Value |  | Non-Consumer Loan |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80081864 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | White (Not Hispanic) | 3/12/1960 |  | Yes | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | Unknown | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 684 | 670 | XXXXXXXXXXXXX | XXX% | XXX% | 7.16 | 12.75 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Balloon IO<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | B | 4 | 2 |  | 2 | 0 | 1 | 1 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 1 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 707 | 644 | 684 | 673 |  | 670 | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | Yes | 5 | 1 | 3 | 1 | 4 | 4 | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 2 | Sale Price |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80081817 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | White (Not Hispanic) | 6/12/1966 |  | Yes | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 709 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 10.07 | 16.83 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | B | 6 | 5 |  | 1 | 0 | 1 | 1 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 1 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 709 | 694 | 729 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 |  | 2 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 1 | Sale Price |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082302 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | White (Not Hispanic) <br>| 3/6/1985 |  | Yes | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 740 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 35.53 | 37.19 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 5 | 5 |  | 0 | 0 | 2 | 2 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 1 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 740 | 755 | 740 |  |  |  | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 |  | 3 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 1 | Appraised Value |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082304 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | Asian/Pacific Islands <br>| 1/15/1981 |  | No | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.00 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | Yes |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 792 | 0 | XXXXXXXXXXXXX | XXX% | XXX% | 23.2 | 25.97 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | A | 2 | 2 |  | 0 | 0 | 0 | 0 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 1 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 |  | 792 | 809 |  |  |  | 2 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 |  | 3 |  | 4 |  | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 1 | Appraised Value |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |
| XXXXXXXXXXXXX | 80082287 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | Asian/Pacific Islands | 7/17/1968 |  | Yes | Yes | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 1 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | No |  | Purchase |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 797 | 767 | XXXXXXXXXXXXX | XXX% | XXX% | 37.91 | 49.82 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Fixed<br> N |  | NA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | 0 |  | No |  | 1 |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  | B | 2 | 1 |  | 1 | 0 | 0 | 0 |  | 0 | 0 |  | No | XXXXXXXXXXXXX | Yes | Yes | No | 1 | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX |  | XXXXXXXXXXXXX | 1 | 811 | 797 | 775 | 743 | 767 | 798 | 3 |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  | XXXXXXXXXXXXX | No | 3 | 5 | 3 | 3 | 4 | 4 | XXXXXXXXXXXXX | Fully Amortized | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM: Compliant with ATR | XXXXXXXXXXXXX | 2 | Sale Price |  | Non-Appendix Q Documentation |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Reporting Released |  | No | No | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXXXXXXX |

---

## Exhibit 99.2

ValuationReport<br>

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  | | |  | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** |
| **Loan Number** | **Alt Loan Number** | <br>**Origination Date** | <br>**Original Loan Amount** | **LTV** | <br>**Value Used For LTV** | **Sale Price** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **CU Score** | **Company** | **CU Date** |
| XXXXXXXXXXX | 80082531 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082517 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082679 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Appraised Value |  | XXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 999 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082503 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082655 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80081813 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082285 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082271 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082255 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Appraised Value |  | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082230 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082658 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Appraised Value |  | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082648 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082634 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80081680 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082210 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Appraised Value |  | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082192 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 999 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082172 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082588 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082375 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Appraised Value |  | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXXXXX | 80082362 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082571 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082347 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Appraised Value |  | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 5 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082551 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 5 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082319 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Appraised Value |  | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082016 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80081998 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80081834 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80081814 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80081790 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Appraised Value |  | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082300 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 4.1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082211 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082193 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082394 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.3 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082376 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082363 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082723 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Appraised Value |  | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.7 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082710 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Appraised Value |  | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 999 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082334 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Appraised Value |  | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.9 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082697 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Appraised Value |  | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80081873 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 3.5 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082321 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 3.8 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082774 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80081851 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.9 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082757 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Appraised Value |  | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 3 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082740 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082724 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80081883 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Appraised Value |  | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 3.4 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80081874 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80081835 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Appraised Value |  | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80081864 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80081817 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082302 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082304 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 80082287 | XX/XX/XXXX | XXXXXXXXXXX | XXX% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |

---

## Exhibit 99.2

#### Rating Agency Exceptions Report: 11/11/2025

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Event Level** |
| **Loan Number** | **Loan Number 2** | **Property State** | **Purpose** | **Occupancy** | **Property Type** | **DTI** | **DSCR** | **FICO** | **LTV** | **Note Original Balance** | **Exception ID** | **Exception Type** | **Exception Description** | **Exception Note** | **Exception General Comment** | **Compensating Factors** | **Exception Status** | **Grade** |
| XXXXXXXXXXX | 80082679 | CO | Rate Term Refi | Second Home | Condo Attached | 35.59 |  | 746 | XXX% | XXXXXXXXXXX | 226260 | Credit | Final 1003 | The final 1003 is not included in the loan file. Please provide a complete, signed copy of the final 1003 for our review. | 02/07/2022 Document provided to cure. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082679 | CO | Rate Term Refi | Second Home | Condo Attached | 35.59 |  | 746 | XXX% | XXXXXXXXXXX | 226267 | Credit | Total Debt Ratio | Audit calculated DTI XXXX is greater than reflected on the loan approval % however, ratios are still within guidelines. The underwriter used a total monthly income of $XXXX with a total monthly debt of $XXXX giving the borrower a DTI of XXXX%. The auditor found the monthly income to be $XXXX with a total monthly debt of $XXXX which includes the mortgage payment on XXXX. Please provide a revised 1008 or AUS approval and underwriter written explanation justifying higher ratios for our review. | 02/07/2022 1008 sent still shows original ratios of XXXX 02/17/2022 Property sold ratios XXXX within tolerance. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082679 | CO | Rate Term Refi | Second Home | Condo Attached | 35.59 |  | 746 | XXX% | XXXXXXXXXXX | 226269 | Credit | Program Eligibilty | It appears the subject loan does not meet certain program eligibility guidelines. The CD reflects the borrower getting cash back, however, this loan appears to be delayed financing. If this is a delayed financing loan a copy of the CD from the purchase of the subject address (XXXX) and source of funds used to close on the subject property is required for our review. | 02/07/2022 Document provided to cure. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082679 | CO | Rate Term Refi | Second Home | Condo Attached | 35.59 |  | 746 | XXX% | XXXXXXXXXXX | 226270 | Compliance | Loan Estimate | Written List of Providers missing. | 02/07/2022 Document provided to cure. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082655 | TX | Purchase | Owner Occupied | Single Family Detached | 31.64 |  | 722 | XXX% | XXXXXXXXXXX | 223535 | Credit | Underwriting Condition Not Met | Please provide form 402 non-delegated loan submission checklist, Form 403 - Borrower ATR Certification, Form 407 - Underwriter ATR Attestation and Form 408 - Residual Income Worksheet. | 02/21/2022 Received 403,402 ,407. Still need 408. Income calculation sheet is not residual income worksheet. 03/07/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082655 | TX | Purchase | Owner Occupied | Single Family Detached | 31.64 |  | 722 | XXX% | XXXXXXXXXXX | 223536 | Credit | Funds to Close | Provide the final Closing Disclosure for the sale of the borrowers' departing residence (XXXX) to verify the mortgage were paid off and receipt of $XXXX proceeds as shown on the Initial closing disclosure in the file. These funds are needed for closing. | 03/07/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082655 | TX | Purchase | Owner Occupied | Single Family Detached | 31.64 |  | 722 | XXX% | XXXXXXXXXXX | 223839 | Credit | AUS/Loan Approval | According to the underwriting guidelines, loans with conforming loan limit balances must be run through DU or LP to determine if the XXXX Loan meets the borrowers' best execution. The subject loan is within conforming loan limits at $XXXX<br> Provide the AUS certificate. | 02/21/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082655 | TX | Purchase | Owner Occupied | Single Family Detached | 31.64 |  | 722 | XXX% | XXXXXXXXXXX | 223840 | Credit | 1008 | Form 1008 document in the loan file was not signed for a manually underwritten loan. | 02/21/2022 received 1008 with ratios of XXXX. Audit calculated XXXX disclose additional debts that are included. 03/07/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081813 | FL | Purchase | Second Home | Condo Attached | 31.38 |  | 789 | XXX% | XXXXXXXXXXX | 230367 | Credit | Underwriting Condition Not Met | Provide Form 415 - Certification of Non-Warrantable Condo and Condotel for our review. | COMMENT: XXXX performed and approved the condo review. Form 415 not required is not needed |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081813 | FL | Purchase | Second Home | Condo Attached | 31.38 |  | 789 | XXX% | XXXXXXXXXXX | 230392 | Credit | VOM | The Verification of Mortgage (VOM) and/or the mortgage payment history on XXXXfor the time frame of XXXX is not in the loan file. Please provide a VOM for the noted account for our review. | 03/1/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082285 | CA | Purchase | Owner Occupied | Single Family Detached | 44.78 |  | 747 | XXX% | XXXXXXXXXXX | 222915 | Credit | 1008 | A Signed form 1008 document is not included in the loan file for a manually underwritten loan. | 02/18/2022 Document provided to cure. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082285 | CA | Purchase | Owner Occupied | Single Family Detached | 44.78 |  | 747 | XXX% | XXXXXXXXXXX | 222968 | Property | Appraisal | Provide evidence the borrower received a copy of the appraisal. | 02/18/2022 Document provided to cure. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082285 | CA | Purchase | Owner Occupied | Single Family Detached | 44.78 |  | 747 | XXX% | XXXXXXXXXXX | 223025 | Property | Appraisal | According to the SSR/UCDP the Collateral Underwriter® Risk Score is in excess of 2.5 giving the property a 2.6. According to the guidelines, the Correspondent must validate the appraisal by obtaining a desktop valuation analysis from an approved XXXX vendor and include it in the Loan Delivery Submission package, however, in this case there is no desktop valuation located in the loan file. Provide a desktop valuation analysis from XXXX for our review. | 02/18/2022 Document provided to cure. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082285 | CA | Purchase | Owner Occupied | Single Family Detached | 44.78 |  | 747 | XXX% | XXXXXXXXXXX | 223027 | Credit | Underwriting Condition Not Met | Underwriting Condition not in Loan File. Provide Form 402 - Non delegated submission checklist and Form 408 - Residual Income Worksheet for our review. | 12/27/2021 - documents provided clears condition |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082271 | NV | Purchase | Owner Occupied | PUD | 49.99 |  | 762 | XXX% | XXXXXXXXXXX | 218254 | Compliance | Rate Lock | Evidence of the Rate Lock date is not in the loan file. | 12/21/2021 Document provided to cure. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082271 | NV | Purchase | Owner Occupied | PUD | 49.99 |  | 762 | XXX% | XXXXXXXXXXX | 218425 | Credit | Credit | Provide a letter of explanation signed by the borrower stating the balance on the XXXX account will be paid in full utilizing existing reserves. | 12/21/2021 Current ratios are XXXX% without the payment included. Loan would not qualify with loan included. See DTI worksheet. Provide a letter of explanation signed by the borrower stating the balance on the XXXX account will be paid in full utilizing existing reserves. 02/24/2022 Received the documentation showing it was paid however guidelines require the borrower LOX. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082255 | CA | Rate Term Refi | Owner Occupied | Single Family Detached | 32.97 |  | 716 | XXX% | XXXXXXXXXXX | 225399 | Compliance | Closing Disclosure | The Closing Disclosure does not meet the delivery timing requirements. The initial Closing Disclosure signed at least XXXX days prior to closing is missing from the loan file. Provide evidence that the timing is in compliance. | 02/17/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082230 | TX | Purchase | Owner Occupied | PUD | 41.76 |  | 745 | XXX% | XXXXXXXXXXX | 219902 | Credit | Final 1003 | The Final 1003 was signed but not dated by the borrower. | 02/28/2022 Document provided to cure. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082230 | TX | Purchase | Owner Occupied | PUD | 41.76 |  | 745 | XXX% | XXXXXXXXXXX | 219903 | Compliance | Closing Disclosure | The file did not include the Initial Closing Disclosure provided/signed by the borrower at least XXXX business days prior to closing. | 02/28/2022 Document provided to cure. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082210 | TX | Refi - Cash Out | Owner Occupied | Single Family Detached | 33.05 |  | 706 | XXX% | XXXXXXXXXXX | 226465 | Credit | Underwriting Condition Not Met | Underwriting Condition not in Loan File. Provide Form 407 - - Underwriter's ATR Attestation. Provide this form for our review.<br>| 03/01/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082210 | TX | Refi - Cash Out | Owner Occupied | Single Family Detached | 33.05 |  | 706 | XXX% | XXXXXXXXXXX | 226555 | Compliance | Other | Missing Revised Loan Estimate. This loan failed the charges that cannot increase test. Discount Points fee were added on the Closing Disclosure dated, XXXX for $XXXX, however the Final Closing Disclosure dated, XXXX reflects the Discount Points fee as $XXXX, for an increase of $XXXX. A change of circumstance for the increased fees was not included in the loan file. Provide a copy of the Loan Estimate and the Change of Circumstance for our review. | 03/01/2022 Covius compliance to review. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082210 | TX | Refi - Cash Out | Owner Occupied | Single Family Detached | 33.05 |  | 706 | XXX% | XXXXXXXXXXX | 226556 | Credit | Funds to Close | Down payment funds, cash to close, and reserves as required per the guidelines are not in file. According to the guidelines XXXX months of verified reserves is required. In this case once the updated bank statement was supplied the borrower had XXXX months left of reserves leaving the borrower short XXXXmonths short in verified reserves. Provide verified funds of an additional XXXXmonths for our review. | 03/01/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082192 | TX | Purchase | Second Home | Condominium (Category I Project) | 39.17 |  | 747 | XXX% | XXXXXXXXXXX | 226244 | Credit | AUS/Loan Approval | According to the underwriting guidelines, loan balances within conforming loan limits must be run through DU or LPA to determine if the non-agency loan meets the borrower's best execution. The subject loan amount is $XXXX which is within conforming loan limits. Provide the AUS Certificate for our review. | 3/01/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082192 | TX | Purchase | Second Home | Condominium (Category I Project) | 39.17 |  | 747 | XXX% | XXXXXXXXXXX | 226245 | Compliance | Rate Lock | Evidence of the Rate Lock date is not in the loan file. Provide a copy of the rate lock for our review. | 3/01/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082192 | TX | Purchase | Second Home | Condominium (Category I Project) | 39.17 |  | 747 | XXX% | XXXXXXXXXXX | 226363 | Credit | Employment | Verbal Verification of Employment is not in the file. Please provide the Verbal Verification of Employment obtained within XXXX business days prior to closing for XXXX for XXXX and for XXXX for XXXX for our review. | 03/01/2022 Received VVoe forXXXX . Still need XXXX 03/03/2022 VOE provided is dated 11/17/2021. VOE is to be dated within XXXX business days of closing. VOE provided is XXXX months old. 03/04/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082172 | CA | Purchase | Owner Occupied | Single Family Detached | 34.66 |  | 760 | XXX% | XXXXXXXXXXX | 228871 | Compliance | Rate Lock | Evidence of the Rate Lock date is not in the loan file. Provide a copy of the rate lock for our review. | 02/17/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082172 | CA | Purchase | Owner Occupied | Single Family Detached | 34.66 |  | 760 | XXX% | XXXXXXXXXXX | 228872 | Credit | AUS/Loan Approval | The DU Loan Amount does not match the loan amount on the 1003, 1008 and Note. Provide a corrected DU for our review. | 02/17/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082172 | CA | Purchase | Owner Occupied | Single Family Detached | 34.66 |  | 760 | XXX% | XXXXXXXXXXX | 228952 | Compliance | Other | The revised Loan Estimates and the initial Closing Disclosure signed by the borrowers at least XXXX days prior to closing is missing from the loan file. Provide the revised Loan Estimates and the initial Closing Disclosure for our review. | 02/17/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082172 | CA | Purchase | Owner Occupied | Single Family Detached | 34.66 |  | 760 | XXX% | XXXXXXXXXXX | 228958 | Credit | Underwriting Condition Not Met | Underwriting Condition not in Loan File. Provide Form 402 - Prior Approve/Non-Delegated Correspondent Loan Submission, Form - 408 - Residual Income Worksheet, Form 407 - - Underwriter's ATR Attestation provide these forms for our review. | 02/17/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082172 | CA | Purchase | Owner Occupied | Single Family Detached | 34.66 |  | 760 | XXX% | XXXXXXXXXXX | 228959 | Credit | Employment | Verbal Verification of Employment is not in the file. Please provide the Verbal Verification of Employment, for the co-borrower, obtained within XXXX business days prior to closing. | 02/17/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082172 | CA | Purchase | Owner Occupied | Single Family Detached | 34.66 |  | 760 | XXX% | XXXXXXXXXXX | 228960 | Credit | Employment-Self Employment | Third party verification that Borrower's business exists for XXXX borrower is not in the file. Please provide Verification of Borrower's business documentation obtained within XXXX business days prior to closing for our review. | 02/17/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082172 | CA | Purchase | Owner Occupied | Single Family Detached | 34.66 |  | 760 | XXX% | XXXXXXXXXXX | 228961 | Compliance | Loan Estimate | Written List of Providers missing. Please provide the evidence that the written list of providers was provided to the borrower. | 02/17/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082172 | CA | Purchase | Owner Occupied | Single Family Detached | 34.66 |  | 760 | XXX% | XXXXXXXXXXX | 228962 | Credit | Income | The signed 4506C is missing from the loan file. Provide the fully executed 4506C for the borrower and the co-borrower for our review. | 02/17/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082375 | DC | Refi - Cash Out | Non-Owner Occupied | 2-4 Family | 35.1 |  | 734 | XXX% | XXXXXXXXXXX | 227108 | Credit | 1008 | A Signed form 1008 document is not included in the loan file for a manually underwritten loan. Provide a signed 1008 for our review. | 02/11/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082375 | DC | Refi - Cash Out | Non-Owner Occupied | 2-4 Family | 35.1 |  | 734 | XXX% | XXXXXXXXXXX | 227214 | Credit | Rental Income | Rental Income Documentation Discrepancy. Vendor to denote the specific underwriting condition in the exception comment. Lease agreements are expired for XXXX and for XXXX. Provide copies of current leases for our review. | 02/11/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082375 | DC | Refi - Cash Out | Non-Owner Occupied | 2-4 Family | 35.1 |  | 734 | XXX% | XXXXXXXXXXX | 227455 | Credit | VOM | The Verification of Mortgage (VOM) and/or the mortgage payment history on XXXX for the time frame of XXXX-XXXX and for XXXX and XXXX for the time frame of XXXX-XXXX is not in the loan file. Please provide a VOM for the noted accounts for our review. | 02/11/2021 Received XXXX, XXXX, XXXX payments. Still need XXXX, XXXX,XXXX and XXXX . 02/23/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082375 | DC | Refi - Cash Out | Non-Owner Occupied | 2-4 Family | 35.1 |  | 734 | XXX% | XXXXXXXXXXX | 227456 | Credit | Credit - Inquiries | Credit report reflects inquiries that are not addressed/explained. The Originator should include a step in the underwriting process to verify that any credit inquiries listed on the credit report did not result in a new credit account opened by the Borrower. If the Borrower opened a new credit account, it must be considered in the determination of the Borrower's capacity to repay the Mortgage. | 02/11/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082362 | VA | Purchase | Non-Owner Occupied | Condo Attached | 33.95 |  | 807 | XXX% | XXXXXXXXXXX | 225166 | Credit | 1008 | Form 1008 document in the loan file was not signed for a manually underwritten loan. | 1/27/2022 1008 provided does not reflect the correct ratios of XXXX. See DTI worksheet XXXX Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082362 | VA | Purchase | Non-Owner Occupied | Condo Attached | 33.95 |  | 807 | XXX% | XXXXXXXXXXX | 225468 | Credit | VOM | Provide the Verification of Mortgage (VOM) and/or the mortgage payment history on XXXX and Advancial XXXX for the most recent XXXX months to confirm no XXXX day or more late payments | 01/27/2022 not sent 02/01/2022 XXXX need still need XXXX. 02/3/2022 Comment states borrower not obligated and mtg stmt sent to support. No mtg stmt was uploaded. 02/07/2022 Credit reports sent do not contain mtg history forXXXX . Received mtg stmt for #XXXX Received Mtg history for #XXXX. 02/16/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082362 | VA | Purchase | Non-Owner Occupied | Condo Attached | 33.95 |  | 807 | XXX% | XXXXXXXXXXX | 225469 | Credit | Underwriting Condition Not Met | Form 403 - Borrower's ATR Certification, Form 415 - Certification of Non-Warrantable Condo and Condotel | 01/27/2022 Received Form 403. Still need full condo approval from XXXX. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082362 | VA | Purchase | Non-Owner Occupied | Condo Attached | 33.95 |  | 807 | XXX% | XXXXXXXXXXX | 225470 | Property | Appraisal | Provide evidence the borrowers received a copy of the appraisal. | 01/27/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082362 | VA | Purchase | Non-Owner Occupied | Condo Attached | 33.95 |  | 807 | XXX% | XXXXXXXXXXX | 225471 | Credit | AUS/Loan Approval | According to the underwriting guidelines, loan balances within conforming loan limits must be run through DU or LP to determine if the XXXX Loan meets the borrower's best execution. The subject loan is $XXXX which is within conforming loan limits. Provide the AUS certificate. | 01/27/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082347 | KY | Rate Term Refi | Owner Occupied | PUD | 36.6 |  | 707 | XXX% | XXXXXXXXXXX | 228678 | Credit | Asset Verification | The printout provided does not reflect the account activity from these dates, and the beginning and ending balances to the account are not supported. Provide updated bank account history for XXXX from XXXX to XXXX for our review. | 02/17/2022 print out provided does not reflect beginning, and ending balances and activity for XXXX. print out shows XXXX and XXXXonly for XXXX. Provide updated bank account history forXXXX fromXXXX to XXXX for our review. 02/28/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082347 | KY | Rate Term Refi | Owner Occupied | PUD | 36.6 |  | 707 | XXX% | XXXXXXXXXXX | 228777 | Credit | Credit - Inquiries | Credit report reflects inquiries that are not addressed/explained. The Originator should include a step in the underwriting process to verify that any credit inquiries listed on the credit report did not result in a new credit account opened by the Borrower. If the Borrower opened a new credit account, it must be considered in the determination of the Borrower's capacity to repay the Mortgage. | 02/17/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082347 | KY | Rate Term Refi | Owner Occupied | PUD | 36.6 |  | 707 | XXX% | XXXXXXXXXXX | 228778 | Compliance | Other | The initial Closing Disclosure signed at least XXXX days prior to closing is missing from the loan file. Discount Points were added without a Change Of Circumstances. Missing Revised Loan Estimates and the Closing Disclosure signed XXXX days prior to closing for our review. | 02/17/2022 Covius compliance to review 2/18/2022 On the Initial LE the Discount points is $XXXX on the Final CD isXXXX the Discount Points increase to $XXXX with no COC. 02/28/2022 Covius compliance to review. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082347 | KY | Rate Term Refi | Owner Occupied | PUD | 36.6 |  | 707 | XXX% | XXXXXXXXXXX | 228779 | Credit | Underwriting Condition Not Met | Underwriting Condition not in Loan File. Provide Form 402 - Prior Approve/Non-Delegated Correspondent Loan Submission. Provide this form for our review. | 02/17/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082319 | KY | Rate Term Refi | Owner Occupied | Single Family Detached | 39.26 |  | 734 | XXX% | XXXXXXXXXXX | 229132 | Property | Appraised Value | Provide evidence the borrowers received a copy of the appraisal. | 02/22/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082319 | KY | Rate Term Refi | Owner Occupied | Single Family Detached | 39.26 |  | 734 | XXX% | XXXXXXXXXXX | 230324 | Credit | Underwriting Condition Not Met | Provide Form 402- Prior Approve//Non-Delegated Correspondent Loan Submission. | 02/22/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082319 | KY | Rate Term Refi | Owner Occupied | Single Family Detached | 39.26 |  | 734 | XXX% | XXXXXXXXXXX | 230326 | Credit | Credit | Provide the most recent XXXX month pay history for the borrowers lease with option to purchase agreement for the subject in the file. The agreement was dated XXXXwith a payment of $XXXX per month. | 02/22/2022 Received checks but no lease was provided. 02/28/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082723 | NY | Refi - Cash Out | Owner Occupied | Single Family Detached | 25.48 |  | 746 | XXX% | XXXXXXXXXXX | 230353 | Credit | Underwriting Condition Not Met | Provide Form 402 - Prio Approve/non-Delegated Correspondent Loan Submission. | 02/22/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082723 | NY | Refi - Cash Out | Owner Occupied | Single Family Detached | 25.48 |  | 746 | XXX% | XXXXXXXXXXX | 230354 | Compliance | Loan Estimate | Provide the Written List of Service Providers. | 02/22/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082710 | NJ | Refi - Cash Out | Non-Owner Occupied | Condo Detached | 41.93 |  | 719 | XXX% | XXXXXXXXXXX | 230683 | Credit | Credit | Provide an additional XXXX months pay history on the XXXX leases that are not reflected on the credit report. The letter from XXXX in the file does not provide a pay history. The file includes two months bank statements for the borrowers XXXX account #XXXX that reflects the XXXX and XXXX payments. | 02/28/2022 Received LOX but no documentation to support pay history<br> 03/08/2022 - Condition is cleared - after review of XXXX guidelines (no reference to require XXXX month history) and Fannie Mae guidelines (only requires separate credit verification), the Email and letter from XXXX (pages 1067 & 1074) indicating this is an employee/relative of employee benefit and the payments are auto drafted along with XXXX months bank statements (XXXX & XXXX) showing the payments being auto withdrawn (pages 929, 936, 943 & 959) are acceptable. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082710 | NJ | Refi - Cash Out | Non-Owner Occupied | Condo Detached | 41.93 |  | 719 | XXX% | XXXXXXXXXXX | 230685 | Compliance | Loan Estimate | The Written List of Service Providers was not in the file. | 02/28/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082710 | NJ | Refi - Cash Out | Non-Owner Occupied | Condo Detached | 41.93 |  | 719 | XXX% | XXXXXXXXXXX | 230686 | Credit | Credit - Eligiblity | According to the underwriting guidelines, a minimum XXXX credit score is required for a non-owner occupied cash-out refinance with a LTV up to XXXX% and using Alt documentation for qualifying income. The borrowers have a credit sore of XXXX (primary wage earner's median credit score). | 02/28/2022 Received LOX however this requires an exception. 03/07/2022 Exception provided. | LTV - The LTV is XXX% which is XXX% below the maximum 65%., Reserves - The borrowers have XXXXmonths reserves. | Client Accepted<br> C<br> A | 2 |
| XXXXXXXXXXX | 80082697 | MO | Rate Term Refi | Owner Occupied | Condominium (Category I Project) | 24.74 |  | 796 | XXX% | XXXXXXXXXXX | 228899 | Credit | Credit - Inquiries | Credit report reflects inquiries that are not addressed/explained. The Originator should include a step in the underwriting process to verify that any credit inquiries listed on the credit report did not result in a new credit account opened by the Borrower. If the Borrower opened a new credit account, it must be considered in the determination of the Borrower's capacity to repay the Mortgage. | 02/18/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081873 | NC | Purchase | Second Home | Condo Attached | 24.11 |  | 798 | XXX% | XXXXXXXXXXX | 227830 | Credit | Total Debt Ratio | Document the annual insurance and tax statements for the borrower's primary residence (XXXX). Audit used the $XXXX shown on the 1003 for calculation purposes. DTI ratio is pending. | 02/24/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081873 | NC | Purchase | Second Home | Condo Attached | 24.11 |  | 798 | XXX% | XXXXXXXXXXX | 227843 | Property | Appraisal | According to the underwriting guidelines, all properties require the appraisal to be submitted through Fannie Mae's Collateral Underwriter. Provide the Fannie Mae Collateral Underwriter report. If the Risk Score is over 2.5, a desktop valuation analysis from an approved vendor will also be needed. | 02/24/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081873 | NC | Purchase | Second Home | Condo Attached | 24.11 |  | 798 | XXX% | XXXXXXXXXXX | 227846 | Credit | Funds to Close | Provide the XXXX statements to support the large deposit of $XXXX on XXXX to XXXX account. The statement printout forXXXX shows this was a wire from XXXXs. | 02/24/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081873 | NC | Purchase | Second Home | Condo Attached | 24.11 |  | 798 | XXX% | XXXXXXXXXXX | 228016 | Credit | Hazard Insurance | The master condo property insurance policy is not included in the loan file. | 02/24/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081873 | NC | Purchase | Second Home | Condo Attached | 24.11 |  | 798 | XXX% | XXXXXXXXXXX | 228021 | Credit | Underwriting Condition Not Met | Provide From 402 - Prior Approve/Non-Delegated correspondent Loan Submission and Form 501 - Condominium Questionnaire. | 02/24/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081873 | NC | Purchase | Second Home | Condo Attached | 24.11 |  | 798 | XXX% | XXXXXXXXXXX | 228022 | Credit | Condo/PUD | The file did not include the legal and recorded documents, reserves studies, evidence of insurance policies/related documentation and any additional documentation needed to support the non-warrantable aspect of the project. | 02/24/2022 Condo approval provided. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081851 | SC | Purchase | Second Home | Condo Attached | 49.47 |  | 774 | XXX% | XXXXXXXXXXX | 227583 | Compliance | Rate Lock | Evidence of the Rate Lock date is not in the loan file. Provide a copy of the rate lock for our review. | 02/14/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081851 | SC | Purchase | Second Home | Condo Attached | 49.47 |  | 774 | XXX% | XXXXXXXXXXX | 227714 | Credit | VOM | The Verification of Mortgage (VOM) and/or the mortgage payment history on XXXX for the time frame of XXXX is not in the loan file. Please provide a VOM for the noted account for our review. | 02/14/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081851 | SC | Purchase | Second Home | Condo Attached | 49.47 |  | 774 | XXX% | XXXXXXXXXXX | 227715 | Credit | Credit - Inquiries | Credit report reflects inquiries that are not addressed/explained. The Originator should include a step in the underwriting process to verify that any credit inquiries listed on the credit report did not result in a new credit account opened by the Borrower. If the Borrower opened a new credit account, it must be considered in the determination of the Borrower's capacity to repay the Mortgage. | 02/14/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081851 | SC | Purchase | Second Home | Condo Attached | 49.47 |  | 774 | XXX% | XXXXXXXXXXX | 227716 | Credit | Credit | A credit related document is not included in the loan file. Satisfactory evidence of the PITIA for the borrower's primary residence was not located in the loan file. DTI is pending. Provide satisfactory evidence of the PITIA for the primary residence for our review. | 02/14/2022 Credit supp and HOA received. Credit supp does not confirm taxes and insurance are included in the payment . DTI XXXX and pending. 02/16/2022 Confirmed PITI with mtg stmt. DTI is till XXXX and exceeds guides at XXXX% |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081851 | SC | Purchase | Second Home | Condo Attached | 49.47 |  | 774 | XXX% | XXXXXXXXXXX | 227717 | Credit | Total Debt Ratio | Audit calculated total debt ratio exceeds guidelines. According to the guidelines the maximum DTI is XXXX%, however, there is an exception located in the loan file for a higher DTI. | 02/14/2022 Exception for DTI provided but DTI is XXXX% 02/16/2022 Confirmed PITI with mtg stmt. DTI is till 50.01 and exceeds guides at XXXX%. Please update exception. 02/18/2022 Exception re-uploaed but not updated to reflect XXXX% 02/25/2022 XXXX acct paid and closed ratios are now XXXX and match the current exception. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081851 | SC | Purchase | Second Home | Condo Attached | 49.47 |  | 774 | XXX% | XXXXXXXXXXX | 227718 | Credit | Underwriting Condition Not Met | Underwriting Condition not in Loan File. Provide Form 402 - Prior Approve/Non-Delegated Correspondent Loan Submission, Form 414 - Certification of Condominium Warrantability,and/or Form 415 - Certification of Non-Warrantable Condo and condotel, and Form 501 - condominium Questionnaire. Provide these forms for our review. | 02/14/2022 Received Condo Questionnaire. Still need Provide Form 402 - Prior Approve/Non-Delegated Correspondent Loan Submission, Per comment provide condo approval from NP |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081851 | SC | Purchase | Second Home | Condo Attached | 49.47 |  | 774 | XXX% | XXXXXXXXXXX | 227719 | Compliance | Other | Per the Change Of Circumstance in file, the file is missing the Closing Disclosures dated, XXXX and XXXX. Provide the missing Closing Disclosures for our review. | 02/14/2022 compliance to review 02/15/2022 Per the COC in file missing CD XXXXand XXXX 02/16/2022 not sent XXXX compliance to review. XXXX Document provided were for the condition. Still need Per the COC in file missing CD XXXX and 1XXXX. 02/25/2022 compliance to review. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081851 | SC | Purchase | Second Home | Condo Attached | 49.47 |  | 774 | XXX% | XXXXXXXXXXX | 227735 | Credit | UCDP | The UCDP Submission Summary Report (SSR) is not included in the loan file. According to the guidelines, the Correspondent must validate the appraisal by obtaining a desktop valuation analysis from an approved XXXXvendor and include it in the Loan Delivery Submission package if the SSR score is higher than XXXX, however, in this case there is no SSR located in the loan file. Please provide the SSR for our review. | 02/14/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081851 | SC | Purchase | Second Home | Condo Attached | 49.47 |  | 774 | XXX% | XXXXXXXXXXX | 227736 | Credit | Income | The signed 4506C form from the borrower is not located in the loan file. Provide the borrower signed 4506C form for our review. | 02/14/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081835 | FL | Refi - Cash Out Limited | Non-Owner Occupied | Single Family Detached | 39.11 |  | 683 | XXX% | XXXXXXXXXXX | 224929 | Credit | Employment-Self Employment | Business narrative providing details of the business and size/scope, including: o Description of business / business profile o Number of employees o Location(s) and rent, if applicable o Estimated cost of goods sold, if applicable o Equipment/materials/trucks o Commercial or retail client base For Third-party or CPA expense ratio option, expense statement covering the same period as the bank statements which is less than XXXX days old at the time of closing, specifying the total business expense as a percentage of gross revenue. | 02/25/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081835 | FL | Refi - Cash Out Limited | Non-Owner Occupied | Single Family Detached | 39.11 |  | 683 | XXX% | XXXXXXXXXXX | 226691 | Credit | Income | A signed Profit and Loss Statement (P&L) not provided as required. Provide a signed Profit and Loss Statement (P&L) prepared by a CPA or Licensed Tax Preparer. | 02/25/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081835 | FL | Refi - Cash Out Limited | Non-Owner Occupied | Single Family Detached | 39.11 |  | 683 | XXX% | XXXXXXXXXXX | 226692 | Credit | Income | Tax returns for XXXX and XXXX in the file are not signed. Please provide the XXXX and XXXX complete signed personal tax returns, including all schedules, for our review. | 02/25/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081835 | FL | Refi - Cash Out Limited | Non-Owner Occupied | Single Family Detached | 39.11 |  | 683 | XXX% | XXXXXXXXXXX | 226695 | Credit | Credit - Inquiries | Credit report reflects inquiries that are not addressed/explained. The Originator should include a step in the underwriting process to verify that any credit inquiries listed on the credit report did not result in a new credit account opened by the Borrower. If the Borrower opened a new credit account, it must be considered in the determination of the Borrower's capacity to repay the Mortgage. | 02/25/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081835 | FL | Refi - Cash Out Limited | Non-Owner Occupied | Single Family Detached | 39.11 |  | 683 | XXX% | XXXXXXXXXXX | 226696 | Compliance | Other | The Closing Disclosure dated, XXXX is not signed, Need Receipt date. The Initial Loan Estimate reflects the Transfer Taxes as XXXX increased on the Closing Disclosure dated, XXXX to XXXX without a Change Of Circumstance. The Final Closing Disclosure dated, XXXX reflects the comparable as XXXX for an increase of XXXX. A Change of Circumstance for the increase was not included in the file. Provide the Change of Circumstance for our review. | 02/25/2022 Covius compliance to review. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081835 | FL | Refi - Cash Out Limited | Non-Owner Occupied | Single Family Detached | 39.11 |  | 683 | XXX% | XXXXXXXXXXX | 226706 | Compliance | Loan Estimate | The Loan Estimate does not meet the XXXX business days after application timing requirement requirement. Provide evidence a Loan Estimate was provided to the borrower in compliance with timing requirements. | 02/25/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082302 | PA | Purchase | Owner Occupied | Single Family Detached | 37.19 |  | 740 | XXX% | XXXXXXXXXXX | 224787 | Credit | 1008 | The signed 1008 is not located in the loan file. Provide a signed fully executed 1008 for our review. | 03/04/2022 Received 1008 however ratios do not match. See DTI worksheet. Ratios are XXXX% 03/08/2022 Document provided to cure. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082302 | PA | Purchase | Owner Occupied | Single Family Detached | 37.19 |  | 740 | XXX% | XXXXXXXXXXX | 224794 | Compliance | Loan Estimate | The Loan Estimate sent immediately after loan lock was not in file. | 03/04/2022 Not sent 03/09/2022 Document provided to cure. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082302 | PA | Purchase | Owner Occupied | Single Family Detached | 37.19 |  | 740 | XXX% | XXXXXXXXXXX | 224809 | Property | Appraisal | Provide satisfactory evidence the borrower received a copy of the appraisal within XXXX days prior to closing for our review. | 03/04/2022 Document provided to cure. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082302 | PA | Purchase | Owner Occupied | Single Family Detached | 37.19 |  | 740 | XXX% | XXXXXXXXXXX | 228969 | Credit | AUS/Loan Approval | The AUS Certificate or Loan Approval is not in the loan file. Please provide the DU/LP Certificate or Loan Approval obtained prior to Note Date for our review. | 03/04/2022 Document provided to cure. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082302 | PA | Purchase | Owner Occupied | Single Family Detached | 37.19 |  | 740 | XXX% | XXXXXXXXXXX | 228970 | Credit | Credit - Inquiries | Credit report reflects inquiries that are not addressed/explained. The Originator should include a step in the underwriting process to verify that any credit inquiries listed on the credit report did not result in a new credit account opened by the Borrower. If the Borrower opened a new credit account, it must be considered in the determination of the Borrower's capacity to repay the Mortgage. | 03/04/2022 Document provided to cure. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082302 | PA | Purchase | Owner Occupied | Single Family Detached | 37.19 |  | 740 | XXX% | XXXXXXXXXXX | 228971 | Compliance | Other | This loan failed the charges that cannot increase test. Discount Points were added on the Closing Disclosure dated,XXXXfor $XXXX without a Change Of Circumstances, however the final Closing Disclosure reflects the comparable fee as $XXXX for an increase of $XXXX.00. A change of circumstance for the increased fee was not included in the loan file. The Initial Loan Estimate dated, 0XXXXreflects the Lender Credits as XXXX, on the Closing Disclosure dated, XXXX1 was decreased to $XXXX without a Change Of Circumstance and on the Closing Disclsoure dated, XXXX they were removed without a Change Of Circumstances. The Closing Disclosure dated, XXXX was not signed. Need Receipt date. Provide the missing Closing Disclosures, Change of Circumstances and the Loan Estimate for our review. | 03/07/2022 Covius compliance to review. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082302 | PA | Purchase | Owner Occupied | Single Family Detached | 37.19 |  | 740 | XXX% | XXXXXXXXXXX | 228972 | Credit | Employment-Self Employment | Third party verification that Borrower's business exists for self-employed borrower is not in the file. Please provide Verification of Borrower's business documentation obtained within XXXX business days prior to closing for our review. | 03/04/2022 Document provided to cure. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082302 | PA | Purchase | Owner Occupied | Single Family Detached | 37.19 |  | 740 | XXX% | XXXXXXXXXXX | 228973 | Credit | Underwriting Condition Not Met | Underwriting Condition not in Loan File. Provide Form 403 - borrower's ATR Certification; Form 404 - Bank Statement Calculator, and Form - 408 - Residual Income Worksheet. Provide these forms for our review. | 03/04/2022 Document provided to cure. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082517 | UT | Purchase | Second Home | Condo Attached | 28.84 |  | 796 | XXX% | XXXXXXXXXXX | 223931 | Credit | AUS/Loan Approval | The AUS Certificate or Loan Approval is not in the loan file. Provide a copy of the DU findings for our review. | 01/17/2022 - document received clears condition |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082517 | UT | Purchase | Second Home | Condo Attached | 28.84 |  | 796 | XXX% | XXXXXXXXXXX | 223932 | Credit | Borrower ID | Borrower(s) identity was not verified in accordance with guidelines. Provide a copy of the borrower's government photo issued ID for our review. | 01/17/2022 - document received clears condition |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082517 | UT | Purchase | Second Home | Condo Attached | 28.84 |  | 796 | XXX% | XXXXXXXXXXX | 223935 | Credit | Hazard Insurance | The property insurance policy or certificate is not included in the loan file. Provide a copy of the insurance policy for the subject property for our review. | 01/17/2022 - Document received clears condition |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082517 | UT | Purchase | Second Home | Condo Attached | 28.84 |  | 796 | XXX% | XXXXXXXXXXX | 223936 | Credit | Homeownership counseling | Homeownership Housing Counseling is not in file. Provide a copy of the Homeownership Housing Counseling for our review. | 01/17/2022 - document received clears condition |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082517 | UT | Purchase | Second Home | Condo Attached | 28.84 |  | 796 | XXX% | XXXXXXXXXXX | 223937 | Credit | Title | The Title Commitment or Title Policy is not included in the loan file. Provide a copy of the Title Commitment or Title Policy for our review. | 01/17/25022 - document received clears condition |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082517 | UT | Purchase | Second Home | Condo Attached | 28.84 |  | 796 | XXX% | XXXXXXXXXXX | 223938 | Compliance | Rate Lock | Evidence of the Rate Lock date is not in the loan file. Provide Evidence of the Rate Lock date for our review. | 01/17/2022 - document received clears condition |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082517 | UT | Purchase | Second Home | Condo Attached | 28.84 |  | 796 | XXX% | XXXXXXXXXXX | 224666 | Credit | VOM | The Verification of Mortgage (VOM) and/or the mortgage payment history on the current mortgage for the time frame of XXXX-XXXX is not in the loan file. Please provide a VOM for the noted account for our review. | 01/17/2022 - document received clears condition |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082517 | UT | Purchase | Second Home | Condo Attached | 28.84 |  | 796 | XXX% | XXXXXXXXXXX | 224671 | Credit | UCDP | The UCDP Submission Summary Report (SSR) is not included in the loan file. According to the guidelines, the Correspondent must validate the appraisal by obtaining a desktop valuation analysis from an approved XXXXvendor and include it in the Loan Delivery Submission package if the SSR score is higher than XXXX, however, in this case there is no SSR located in the loan file. Please provide the SSR for our review. | 01/17/2022 - document received clears condition (Risk Score is 1) |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082517 | UT | Purchase | Second Home | Condo Attached | 28.84 |  | 796 | XXX% | XXXXXXXXXXX | 224672 | Credit | Total Debt Ratio | Audit calculated DTI is greater than reflected on the loan approval; however, ratios are still within guidelines. The underwriter used a total monthly qualifying income of XXXXgiving the borrower a DTI of XXXX%. The auditor found the total qualifying income to be $XXXX giving the borrower a DTI ofXXXX%. Please provide a revised 1008 or AUS approval and underwriter written explanation justifying higher ratios for our review. | 01/17/2022 -01/17/2022 - documents received clears condition |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082517 | UT | Purchase | Second Home | Condo Attached | 28.84 |  | 796 | XXX% | XXXXXXXXXXX | 224673 | Compliance | Other | Initial Closing Disclosure dated XXXX is not signed, Need Receipt date. Need Initial Application Date. The named compliance document must be retained in the loan file. | 01/17/2022 - Compliance to review - documents provided clear condition |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082517 | UT | Purchase | Second Home | Condo Attached | 28.84 |  | 796 | XXX% | XXXXXXXXXXX | 224674 | Credit | Initial 1003 | The initial 1003 is not included in the loan file. A complete copy of the initial 1003 must be retained in file. | 01/17/2022 - document received clears condition |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082503 | TX | Purchase | Non-Owner Occupied | Condo High-Rise | 33.82 |  | 713 | XXX% | XXXXXXXXXXX | 227600 | Credit | Underwriting Condition Not Met | Provide Form 415 - Certification of Non-Warrantable Condo and Condotel. | 02/14/2022 Received ltr from Correspondent that they did not complete condo review and that is should be issued by XXXX . 02/15/2022 XXXX approved condo via comment but no approval in file. |  | Cleared Exception<br> D<br> B | 1 |
| XXXXXXXXXXX | 80082503 | TX | Purchase | Non-Owner Occupied | Condo High-Rise | 33.82 |  | 713 | XXX% | XXXXXXXXXXX | 227601 | Credit | Income | The guidelines require the most recent XXXX years tax transcripts. The file only included the XXXX tax transcript. | The file contains an approved exception since lender was unable to obtain the 2020 tax transcript. | Credit Score - Guidelines require a minimum of 680 and the borrower has a mid score of 713, LTV - Guidelines will allow an LTV of up to 65% and the LTV on this loan is XXX% | Client Accepted<br> D<br> B<br> B(e) | 2 |
| XXXXXXXXXXX | 80082503 | TX | Purchase | Non-Owner Occupied | Condo High-Rise | 33.82 |  | 713 | XXX% | XXXXXXXXXXX | 227602 | Credit | Program Eligibilty | The subject property is a XXXX which is not managed by an individual manager with a designation of CAM/CPM, there is no reserve study and the budget does not show any contribution to reserves as required by the guidelines. | The file includes an approved exception for theses issues. | Credit Score - Guidelines require a minimum of 680 and the borrower has a mid score of 713, LTV - Guidelines will allow an LTV of up to 65% and the LTV on this loan is XXX% | Client Accepted<br> D<br> B<br> B(e) | 2 |
| XXXXXXXXXXX | 80082658 | CA | Refi - Cash Out | Owner Occupied | Single Family Detached | 15.66 |  | 650 | XXX% | XXXXXXXXXXX | 222981 | Credit | Credit - Eligiblity | According to the underwriting guidelines, the borrower must have a XXXX credit score when the transaction is an Alt Doc Cash-Out refinance with an LTV up to XXXX%. The borrower has a XXXX credit score. | The loan file contains an exception located on page 139. | Reserves - Reserves XXXX over required min, Years In Residence - Borrower has been in residence for XXXX | Client Accepted<br> C<br> B<br> B(e) | 2 |
| XXXXXXXXXXX | 80082648 | CA | Purchase | Second Home | Single Family Detached | 45.9 |  | 768 | XXX% | XXXXXXXXXXX | 222587 | Credit | 1008 | Provide Form 1008 document and it must be signed for a manually underwritten loan. | 01/31/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082648 | CA | Purchase | Second Home | Single Family Detached | 45.9 |  | 768 | XXX% | XXXXXXXXXXX | 222662 | Credit | Employment-Self Employment | Third party verification that Borrower's business exists for self employed borrower is not in the file. Please provide Verification of Borrower's business documentation obtained within XXXX business days prior to closing for our review. | 01/31/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082648 | CA | Purchase | Second Home | Single Family Detached | 45.9 |  | 768 | XXX% | XXXXXXXXXXX | 222676 | Compliance | Closing Disclosure | The initial CD signed at least XXXX business days prior to closing is missing from the loan file. | 01/31/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082634 | TX | Purchase | Owner Occupied | PUD | 21.99 |  | 701 | XXX% | XXXXXXXXXXX | 223403 | Credit | Underwriting Condition Not Met | Underwriting Condition not in Loan File. Provide Form 408 - Residual Income Worksheet for our review. | 01/31/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082634 | TX | Purchase | Owner Occupied | PUD | 21.99 |  | 701 | XXX% | XXXXXXXXXXX | 223404 | Credit | Hazard Insurance | According to the underwriting guidelines, hazard insurance is required on all loans. Dwelling coverage covering the loan XXXX% of the insurable value of the improvements as established by the property insurer or the unpaid balance of the mortgage/loan amt as long as it is equal to XXXX% of the insurable value of improvements on appraisal, whichever is lower. In this case, the hazard insurance reflects coverage of XXXX. Provide replacement cost estimator to support lower coverage or update coverage amount. | 01/31/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082634 | TX | Purchase | Owner Occupied | PUD | 21.99 |  | 701 | XXX% | XXXXXXXXXXX | 223405 | Compliance | Closing Disclosure | The Closing Disclosure does not meet the delivery timing requirements. Provide evidence that the timing is in compliance. | 01/31/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081680 | CA | Purchase | Owner Occupied | Single Family Detached | 29.84 |  | 809 | XXX% | XXXXXXXXXXX | 224063 | Credit | Initial 1003 | The initial 1003 in the loan file was not signed and dated by the borrower and loan originator. | 02/07/2022 Document provided to cure |  | Cleared Exception<br> D<br> B | 1 |
| XXXXXXXXXXX | 80081680 | CA | Purchase | Owner Occupied | Single Family Detached | 29.84 |  | 809 | XXX% | XXXXXXXXXXX | 224115 | Compliance | Closing Disclosure | The Integrated Closing Disclosure requirements have not been met. The Closing Disclosure provided in the file was dated the day prior to closing. Provide the Initial Closing Disclosure dated at least XXXX business days prior to closing with evidence of when it was received by the borrower. | 02/07/2022 Document provided to cure |  | Cleared Exception<br> D<br> B | 1 |
| XXXXXXXXXXX | 80081680 | CA | Purchase | Owner Occupied | Single Family Detached | 29.84 |  | 809 | XXX% | XXXXXXXXXXX | 224136 | Credit | Program Eligibilty | According to the underwriting guidelines, first time homebuyers may not have a payment shock ratio that exceeds XXXX%. The borrower is a first time homebuyer with a payment shock ratio of XXXX% ($XXXX/$XXXX). The file include an exception request for this issue but it was not signed to confirm it was approved. | 02/07/2022 Client exception provided. | Credit Score - Credit Score 809 / 49pts over required min, Reserves - Reserves XXXX / XXXX over required min | Client Accepted<br> D<br> B<br> B(e) | 2 |
| XXXXXXXXXXX | 80081680 | CA | Purchase | Owner Occupied | Single Family Detached | 29.84 |  | 809 | XXX% | XXXXXXXXXXX | 224139 | Property | Appraisal | Provide evidence the borrower received a copy of the appraisal. | 02/07/2022 Document provided to cure |  | Cleared Exception<br> D<br> B | 1 |
| XXXXXXXXXXX | 80081680 | CA | Purchase | Owner Occupied | Single Family Detached | 29.84 |  | 809 | XXX% | XXXXXXXXXXX | 224141 | Credit | Closing Disclosure | The Seller Closing Disclosure is not included in the loan file. | 02/07/2022 Document provided to cure |  | Cleared Exception<br> D<br> B | 1 |
| XXXXXXXXXXX | 80081680 | CA | Purchase | Owner Occupied | Single Family Detached | 29.84 |  | 809 | XXX% | XXXXXXXXXXX | 224142 | Credit | Funds to Close | Provide either a cash flow analysis or a letter from the business accountant to confirm the withdrawal of funds will not negatively impact the business since the assets in the business accounts are needed for closing. | 02/07/2022 Document provided to cure |  | Cleared Exception<br> D<br> B | 1 |
| XXXXXXXXXXX | 80081680 | CA | Purchase | Owner Occupied | Single Family Detached | 29.84 |  | 809 | XXX% | XXXXXXXXXXX | 224143 | Credit | Underwriting Condition Not Met | Provide Form 403 - Borrower's ATR Certification and a fully completed Form 407 - Underwriter's ATR Attestation since the ones in the file do not have initials on each line item. | 02/07/2022 Document provided to cure |  | Cleared Exception<br> D<br> B | 1 |
| XXXXXXXXXXX | 80082588 | VA | Purchase | Owner Occupied | PUD - Existing | 41.62 |  | 760 | XXX% | XXXXXXXXXXX | 224702 | Credit | 1008 | Form 1008 document in the loan file was not signed for a manually underwritten loan. | 01/27/2022 - document received clears condition |  | Cleared Exception<br> C<br> B | 1 |
| XXXXXXXXXXX | 80082588 | VA | Purchase | Owner Occupied | PUD - Existing | 41.62 |  | 760 | XXX% | XXXXXXXXXXX | 225250 | Credit | Program Eligibilty | According to the underwriting guidelines, a first time homebuyer may not have a payment shock that exceeds XXXX%. XXXX borrower's payment shock is XXXX | The file includes an exception required for the payment shock exceeding XXXX%. | Credit Score - Guidelines require a mid score of 740; borrower has a mid score of 760., Disposable Income - The borrower has residual income of $XXXX and the minimum required is $XXXX | Client Accepted<br> C<br> B<br> B(e) | 2 |
| XXXXXXXXXXX | 80082588 | VA | Purchase | Owner Occupied | PUD - Existing | 41.62 |  | 760 | XXX% | XXXXXXXXXXX | 225251 | Property | Appraisal | The file did not include evidence the borrower received a copy of the appraisal. | 01/27/2022 - document provided clears condition |  | Cleared Exception<br> C<br> B | 1 |
| XXXXXXXXXXX | 80082571 | OH | Purchase | Owner Occupied | Single Family Detached | 22.78 |  | 741 | XXX% | XXXXXXXXXXX | 226480 | Credit | Note | The executed Note is missing from the loan file. Provide an executed Note for our review. | 01/28/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082571 | OH | Purchase | Owner Occupied | Single Family Detached | 22.78 |  | 741 | XXX% | XXXXXXXXXXX | 226481 | Compliance | Other | This loan failed the charges that cannot increase test. Discount Points was added on Closing Disclosure dated, XXXX for $XXXX and Lender Credits were removed without a Change Of Circumstance, Discount Points increased on the Closing Disclosure dated, XXXXfor $XXXX without a Change Of Circumstance, however the Final Closing Disclosure dated, XXXX reflects the comparable fee as XXXX for an increase of XXXX. A change of circumstance for the increased fee was not included in the loan file. Provide a copy of the Change of Circumstance for our review. | 01/28/2022 Covius compliance to review 01/31/2022 the Discount points increased on XXXXto $XXXX without a COC. 02/8/2022 Covius compliance to review. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082551 | GA | Purchase | Second Home | Single Family Detached | 25.36 |  | 817 | XXX% | XXXXXXXXXXX | 227414 | Compliance | Loan Estimate | Written List of Providers missing. Please provide the evidence that the written list of providers was provided to the borrower for our review. | 02/08/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082551 | GA | Purchase | Second Home | Single Family Detached | 25.36 |  | 817 | XXX% | XXXXXXXXXXX | 227415 | Credit | Employment-Self Employment | Third party verification that Borrower's business exists for self-employed borrower is not in the file. Please provide Verification of Borrower's business documentation obtained within XXXX business days prior to closing for our review. | 02/08/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082016 | OR | Purchase | Owner Occupied | Single Family Detached | 42.69 |  | 778 | XXX% | XXXXXXXXXXX | 226846 | Credit | Closing Disclosure | The Seller Closing Disclosure is not included in the loan file. Provide a copy of the seller's Closing Disclosure for our review. | 02/11/2022 Document provided to cure. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082016 | OR | Purchase | Owner Occupied | Single Family Detached | 42.69 |  | 778 | XXX% | XXXXXXXXXXX | 226972 | Property | Appraisal | The UCDP Submission Summary Report (SSR) is not included in the loan file. According to the guidelines, the Correspondent must validate the appraisal by obtaining a desktop valuation analysis from an approved XXXX vendor and include it in the Loan Delivery Submission package if the SSR score is higher than 2.5, a Clear Capital Report will be needed. | 02/11/2022 Document provided to cure. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082016 | OR | Purchase | Owner Occupied | Single Family Detached | 42.69 |  | 778 | XXX% | XXXXXXXXXXX | 226974 | Compliance | Loan Estimate | Written List of Providers missing. Please provide the evidence that the written list of providers was provided to the borrower. | 02/11/2022 Document provided to cure. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082016 | OR | Purchase | Owner Occupied | Single Family Detached | 42.69 |  | 778 | XXX% | XXXXXXXXXXX | 226976 | Credit | Underwriting Condition Not Met | Underwriting Condition not in Loan File. Provide Form 402 - Prior Approve/Non-Delegated Correspondent Loan Submission, Form 403 - borrower's ATR Certification; , and Form 407 - - Underwriter's ATR Attestation. Provide these forms for our review. | 02/11/2022 Document provided to cure. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80081998 | TX | Purchase | Non-Owner Occupied | PUD | 14.03 |  | 809 | XXX% | XXXXXXXXXXX | 227183 | Compliance | Other | The Closing Disclosures dated, XXXX and XXXX are not signed. Provide satisfactory evidence of the Receipt date for our review. | 02/09/2022 Covius compliance to review. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081998 | TX | Purchase | Non-Owner Occupied | PUD | 14.03 |  | 809 | XXX% | XXXXXXXXXXX | 227205 | Compliance | Loan Estimate | Written List of Providers missing. Please provide the evidence that the written list of providers was provided to the borrower for our review. | 02/09/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081998 | TX | Purchase | Non-Owner Occupied | PUD | 14.03 |  | 809 | XXX% | XXXXXXXXXXX | 227206 | Credit | Underwriting Condition Not Met | Underwriting Condition not in Loan File. Provide Form 407 - - Underwriter's ATR Attestation, . Provide these forms for our review. | 02/09/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081834 | CA | Purchase | Owner Occupied | PUD | 41.44 |  | 808 | XXX% | XXXXXXXXXXX | 226494 | Credit | 1008 | The 1008 located in the loan file is not signed. Provide a signed completed 1008 for our review. | 02/02/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081834 | CA | Purchase | Owner Occupied | PUD | 41.44 |  | 808 | XXX% | XXXXXXXXXXX | 226528 | Credit | Underwriting Condition Not Met | Underwriting Condition not in Loan File. Provide Form 402 - Prior Approve/Non-Delegated Correspondent Loan Submission, Form - 408 - Residual Income Worksheet, Form 410 - Asset Depletion Calculator, and Form 407 - - Underwriter's ATR Attestation. Provide these forms for our review.<br>| 02/02/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081834 | CA | Purchase | Owner Occupied | PUD | 41.44 |  | 808 | XXX% | XXXXXXXXXXX | 226531 | Compliance | Loan Estimate | The Loan Estimate does not meet the three business days after application timing requirement requirement. Provide evidence a Loan Estimate was provided to the borrower in compliance with timing requirements. | 02/02/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081834 | CA | Purchase | Owner Occupied | PUD | 41.44 |  | 808 | XXX% | XXXXXXXXXXX | 226532 | Compliance | Other | This loan failed the charges that cannot increase test. The initial Loan Estimate dated, XXXX reflects the Appraisal fee-1 as $XXXX and Appraisal Fee-2 as $XXXX increase on the Loan Estimate dated, XXXX to Appraisal-1$XXXXandAppraisal-2 XXXX, however the final Closing Disclosure dated,XXXX reflects the comparable fee as Appraisal-1 $XXXX and Appraisal-2 $XXXX for an increase of $XXXX. A change of circumstance for the increased fee was not included in the loan file. The named compliance document is required for our review. | 02/02/2022 Covius compliance to review. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80081814 | IL | Purchase | Non-Owner Occupied | Condominium: Limited Review | 21.1 |  | 788 | XXX% | XXXXXXXXXXX | 223414 | Credit | 1008 | Form 1008 document in the loan file was not signed for a manually underwritten loan. | 01/20/2022 - document received clears condition |  | Cleared Exception<br> D<br> B | 1 |
| XXXXXXXXXXX | 80081814 | IL | Purchase | Non-Owner Occupied | Condominium: Limited Review | 21.1 |  | 788 | XXX% | XXXXXXXXXXX | 223469 | Credit | Underwriting Condition Not Met | Provide Form 402 - Prior Approve/Non-Delegated Correspondent Loan Submission, Form 403 - Borrower's ATR Certification, Form 407 - Underwriter's ATR Attestation, From 408 - Residual Income Worksheet, and Form 414 - Certification of Condominium Warrantability. | 01/20/2022 documents received clears condition (received forms 403, 407, 408 and 414 & client comment states client is delegated from 402 is not needed) |  | Cleared Exception<br> D<br> B | 1 |
| XXXXXXXXXXX | 80081814 | IL | Purchase | Non-Owner Occupied | Condominium: Limited Review | 21.1 |  | 788 | XXX% | XXXXXXXXXXX | 223470 | Credit | Income | Provide the most recent XXXX years personal tax transcripts for the borrowers. | 01/20/2022 - document provided clears condition |  | Cleared Exception<br> D<br> B | 1 |
| XXXXXXXXXXX | 80081814 | IL | Purchase | Non-Owner Occupied | Condominium: Limited Review | 21.1 |  | 788 | XXX% | XXXXXXXXXXX | 223471 | Credit | Credit | According to the underwriting guidelines, the primary wage earner must have a minimum of XXXX tradelines that have been reporting within the most recent XXXX months. The borrower (XXXX) is the primary wage earner and his credit report only reflects XXXX tradeline reporting in the most recent XXXX months. | 01/20/2022 - Exception form provided does not shows it has been approved 01/24/2022 - exception provided for this issue | DTI - Guidelines will allow a dti of up to 50% and the dti on this file is 21.10%., Credit Score - The borrowers have a 788 credit score which is 68 points above the required 700. | Client Accepted<br> D<br> B<br> B(e) | 2 |
| XXXXXXXXXXX | 80081814 | IL | Purchase | Non-Owner Occupied | Condominium: Limited Review | 21.1 |  | 788 | XXX% | XXXXXXXXXXX | 223472 | Credit | VOM | Provide the Verification of Mortgage (VOM) and/or the mortgage payment history on XXXX for XXXX. | 01/20/2022 - document provided clears condition |  | Cleared Exception<br> D<br> B | 1 |
| XXXXXXXXXXX | 80081790 | CO | Refi - Cash Out | Owner Occupied | Single Family Detached | 48.18 |  | 802 | XXX% | XXXXXXXXXXX | 224184 | Credit | Total Debt Ratio | Audit calculated total debt ratio exceeds guidelines. The underwriter used a total qualifying monthly income to be $XXXX with a total monthly debt of $XXXX giving the borrowers a DTI of XXXX%. The auditor found the total qualifying monthly income to be $XXXX with a total monthly debt of $XXXX, as the borrowers did not pay off all of the trade lines listed on the initial 1003, giving the borrowers a DTI of XXXX%. Due to the issues identified in the above exception, this loan appears to be ineligible for sale under the Product type. The Provider must obtain approval from the investor to repurchase the loan in question or obtain an exception for the deviation. | 01/14/2022 - documents received clears condition - (documents show discover, capital one, capital one and Sams were all paid prior to closing - removed the payments and DTI decreased to XXXX% which is within guidelines) |  | Cleared Exception<br> C<br> B | 1 |
| XXXXXXXXXXX | 80081790 | CO | Refi - Cash Out | Owner Occupied | Single Family Detached | 48.18 |  | 802 | XXX% | XXXXXXXXXXX | 224185 | Credit | Underwriting Condition Not Met | Underwriting Condition not in Loan File. The following form is required per the guidelines 408 - Residual Income Worksheet, however, it is missing from the loan file. Please provide the referenced form for our review. | 01/12/2022 - approved exception was received for the residual income worksheet and for the borrower's residual income being less than the guideline requirement. | Credit Score - Credit Score 753 / 53 pts over required min, Reserves - Reserves XXXX / XXXX mths over required min | Client Accepted<br> C<br> B<br> B(e) | 2 |
| XXXXXXXXXXX | 80081790 | CO | Refi - Cash Out | Owner Occupied | Single Family Detached | 48.18 |  | 802 | XXX% | XXXXXXXXXXX | 224186 | Credit | Income | According to the guidelines the required residual income is $XXXX, however, in this case the residual income is $XXXX per month. Provide satisfactory evidence this residual income is allowed for our review. | 01/14/2022 - Exception provided for the residual income not meeting the guideline requirement | Credit Score - Credit Score 753 / 53 pts over required min, Reserves - Reserves XXXXmths / XXXXmths over required min | Client Accepted<br> C<br> B<br> B(e) | 2 |
| XXXXXXXXXXX | 80082300 | FL | Purchase | Second Home | Condo Attached | 28.73 |  | 789 | XXX% | XXXXXXXXXXX | 225295 | Compliance | Other | The final Closing Disclosure signed at closing is missing from the loan file. Provide the final Closing Disclosure for our review. | 01/20/2022 - document received clears condition |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082300 | FL | Purchase | Second Home | Condo Attached | 28.73 |  | 789 | XXX% | XXXXXXXXXXX | 225296 | Credit | Employment | Verbal Verification of Employment is not in the file. Please provide the Verbal Verification of Employment obtained within 10 business days prior to closing for both borrowers for our review. | 01/20/2022 - document received clears condition |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082211 | FL | Purchase | Non-Owner Occupied | Condo Attached | 36.92 |  | 805 | XXX% | XXXXXXXXXXX | 227268 | Compliance | Loan Estimate | Written List of Providers missing. Please provide the evidence that the written list of providers was provided to the borrower for our review. | 02/07/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082211 | FL | Purchase | Non-Owner Occupied | Condo Attached | 36.92 |  | 805 | XXX% | XXXXXXXXXXX | 227269 | Credit | Total Debt Ratio | Audit calculated DTI is greater than reflected on the loan approval; however, ratios are still within guidelines. The underwriter used a total qualifying monthly income $XXXXwith a total monthly other debt of $XXXX giving the borrowers a DTI of XXXX%. The auditor found the total qualifying monthly income payment to be $XXXXwith a total monthly other debt to be $XXXX giving the borrowers a DTI to be XXXX%. Please provide a revised 1008 or AUS approval and underwriter written explanation justifying higher ratios for our review. | 02/07/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082193 | SC | Purchase | Second Home | Condo High-Rise | 41.22 |  | 817 | XXX% | XXXXXXXXXXX | 224630 | Credit | Income | Provide the most recent XXXX years personal tax transcripts for the borrowers as required by the guidelines since the borrowers are wage earners. | 01/12/2022 - document received clears condition |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082193 | SC | Purchase | Non-Owner Occupied | Condo High-Rise | 38.64 |  | 762 | XXX% | XXXXXXXXXXX | 226259 | Compliance | Other | This loan failed the charges that cannot increase test. The initial LE dated XXXX reflects the Discount Points fee as $XXXX, increased on CD dated XXXX without a Change of Circumstance. The Final CD datedXXXX reflects the Discount Points fee as $XXXX, for an increase of $XXXX. A change of circumstance for the increased fees was not included in the loan file. | 01/27/2022 - Covius compliance review - 01/28/2022 documents provided clear the condition |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082363 | GA | Purchase | Owner Occupied | Single Family Detached | 37.14 |  | 761 | XXX% | XXXXXXXXXXX | 226815 | Compliance | Rate Lock | Evidence of the Rate Lock date is not in the loan file. Provide a copy of the rate lock for our review. | 02/08/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082363 | GA | Purchase | Owner Occupied | Single Family Detached | 37.14 |  | 761 | XXX% | XXXXXXXXXXX | 227241 | Credit | AUS/Loan Approval | According to the underwriting guidelines, loan balances within conforming loan limits must be run through DU or LPA to determine if the XXXX loan meets the borrower's best execution. The subject loan amount is $XXXX which is within conforming loan limits. Provide the AUS Certificate for our review. | 02/08/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082363 | GA | Purchase | Owner Occupied | Single Family Detached | 37.14 |  | 761 | XXX% | XXXXXXXXXXX | 227242 | Credit | Employment-Self Employment | Third party verification that Borrower's business exists for self-employed borrower is not in the file. Please provide Verification of Borrower's business documentation obtained within 120 business days prior to closing for our review. | 02/08/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082363 | GA | Purchase | Owner Occupied | Single Family Detached | 37.14 |  | 761 | XXX% | XXXXXXXXXXX | 227243 | Compliance | Other | The final Closing Disclosure is not signed and the final Closing Disclosure is missing from the loan file. Provide the signed final Closing Disclosure for our review. | 02/08/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082334 | AZ | Refi - Cash Out | Owner Occupied | PUD | 49.24 |  | 795 | XXX% | XXXXXXXXXXX | 223857 | Compliance | Other | The XXXXChange of Circumstance indicates there is an XXXX Closing Disclosure which is not included in the file. | 01/12/2022 - Covius compliance to review - document received clears condition |  | Cleared Exception<br> C<br> B | 1 |
| XXXXXXXXXXX | 80082334 | AZ | Refi - Cash Out | Owner Occupied | PUD | 49.24 |  | 795 | XXX% | XXXXXXXXXXX | 223866 | Credit | Income | According to the underwriting guidelines, the borrower is required to have $XXXXin residual income since there are XXXX family members and the loan amount is between $XXXX and $XXXX. Audit calculated residual income at $XXXX (income $XXXX - PITI $XXXX - other debt $XXXX- $XXXXwhich is square footage of $XXXX x $XXXX.. The lender calculated residual income of $XXXX per the worksheet, but this was based on XXXX per month income. | 01/12/2022 - The Residual Income worksheet provided shows gross income of $XXXX but the qualifying income is only $XXXX which reduces the residual income below the requirement. Would you like to provide an exception/waive this condition? 01/21/2022 - Exception provided for the residual income not meeting requirement. | Credit Score - Borrower has a credit score of 795 which is 95 points above the required 700., Months Of Reserves - Borrower has XXXX months of reserves. | Client Accepted<br> C<br> B<br> B(e) | 2 |
| XXXXXXXXXXX | 80082321 | FL | Purchase | Owner Occupied | Single Family Detached | 25.15 |  | 784 | XXX% | XXXXXXXXXXX | 224199 | Credit | Credit | Provide taxes for XXXX, as DTI is pending as we are waiting on the taxes, for our review. | 01/14/2022 - documents received clears condition (DTI ratio remains same within guidelines) |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082321 | FL | Purchase | Owner Occupied | Single Family Detached | 25.15 |  | 784 | XXX% | XXXXXXXXXXX | 224484 | Compliance | Loan Estimate | The Loan Estimate does not meet the three business days after application timing requirement requirement. Provide evidence a Loan Estimate was provided to the borrower in compliance with timing requirements. | 01/14/2022 - document received clears condition |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082774 | CA | Purchase | Owner Occupied | Single Family Detached | 45.2 |  | 773 | XXX% | XXXXXXXXXXX | 225151 | Credit | Underwriting Condition Not Met | Provide Form 402 - Prior Approve/Non-Delegated Correspondent Loan submission, Form 408 - Residual Income Worksheet, and Form 407 - Underwriter's ATR Certification. | 01/21/2022 - Received Forms 408 and 407. Client comments state Form 402 is not required since client is delegated. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082774 | CA | Purchase | Owner Occupied | Single Family Detached | 45.2 |  | 773 | XXX% | XXXXXXXXXXX | 225437 | Credit | 1008 | Form 1008 document the loan file was not signed for a manually underwritten loan. | 01/21/2022 - Document provided clears condition |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082774 | CA | Purchase | Owner Occupied | Single Family Detached | 45.2 |  | 773 | XXX% | XXXXXXXXXXX | 225438 | Credit | AUS/Loan Approval | According to the underwriting guidelines, loan balances within conforming loan limits must be run through DU or LPA to determine if the XXXX loan meets the borrower's best execution. The loan amount of XXXX is within conforming loan limits. Provide the AUS certificate. | 01/21/2022 - per portfolio underwriting guidelines (Section 350) an AUS is required for all loans within conforming loan limits. 01/31/2022 Document provided to cure. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082774 | CA | Purchase | Owner Occupied | Single Family Detached | 45.2 |  | 773 | XXX% | XXXXXXXXXXX | 225439 | Credit | Income | Provide the business narrative for XXXX that includes descripts, number of employees, location, equipment/materials and client base since the guidelines require the loan to be qualified as a XXXX loan since the borrower co-mingles the personal and business receipts/expenses in the borrower's personal bank accounts. | 01/21/2022 - The LOX provided does not include a business narrative and Form 404 only states 'XXXX'. Need a business narrative for XXXX that includes number of employees, location, equipment/materials and client base 01/31/2022 Document provided to cure. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082774 | CA | Purchase | Owner Occupied | Single Family Detached | 45.2 |  | 773 | XXX% | XXXXXXXXXXX | 225441 | Credit | Income | Provide Form 404 - Bank Statement Calculation worksheet. Audit used XXXX% expense factor for calculation purposes. DTI ratio is pending. | 01/212022 - Document provided clears condition - DTI ratio remains the same |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80082757 | NC | Refi - Cash Out | Owner Occupied | Single Family Detached | 48.66 |  | 610 | XXX% | XXXXXXXXXXX | 212950 | Credit | 1008 | Executed form 1008 document is not included in the loan file for a manually underwritten loan. | 10/20/2021 Received signed 1008 however ratios are not correct. Ratios to reflect XXXX% 12/06/2021 Document provided to cure. |  | Cleared Exception<br> C<br> B | 1 |
| XXXXXXXXXXX | 80082757 | NC | Refi - Cash Out | Owner Occupied | Single Family Detached | 48.66 |  | 610 | XXX% | XXXXXXXXXXX | 212952 | Credit | Hazard Insurance | The property insurance policy is not included in the loan file. | 10/20/2021 Document provided to cure. |  | Cleared Exception<br> C<br> B | 1 |
| XXXXXXXXXXX | 80082757 | NC | Refi - Cash Out | Owner Occupied | Single Family Detached | 48.66 |  | 610 | XXX% | XXXXXXXXXXX | 212955 | Credit | Eligibilty | According to the underwriting guidelines, a minimum XXXX credit score and XXXX months reserves are required for an Alt Doc cash out owner occupied refinance. The borrower's credit score is XXXX and the borrower has XXXX months of reserves. if the cash proceeds from the settlement statement would be considered for reserves, the borrower would have XXXX months of reserves. | The file includes an exception request for the reserves and credit score with compensating factors of debt free other than the mortgage payment, DTI below program max and job stability. The exception was pre-approved on XXXX. | Years On Job - Borrower has been self employed for XXXX years, DTI - The loan program allow up to 50% DTI and this file has a DTI of 39.80% | Client Accepted<br> C<br> B<br> B(e) | 2 |
| XXXXXXXXXXX | 80082757 | NC | Refi - Cash Out | Owner Occupied | Single Family Detached | 48.66 |  | 610 | XXX% | XXXXXXXXXXX | 212968 | Credit | VOM | The Verification of Mortgage (VOM) and/or the mortgage payment history for the XXXX mortgage #XXXX to verify no XXXX days or more late payments during the last XXXX months. The mortgage was not reflected on the credit report and the statements (XXXX XXXX and XXXX) reflect the mortgage in the name of XXXX. | 10/20/2021 XXXX guides require mtg history. We acknowledge XXXX comment. Would client like to waive requirement ? 12/26/2021 Client waives requirement for mortgage history. | Years On Job - Borrower has been self employed for XXXX years, DTI - The loan program allow up to 50% DTI and this file has a DTI of 39.80% | Client Accepted<br> C<br> B<br> B(e) | 2 |
| XXXXXXXXXXX | 80082757 | NC | Refi - Cash Out | Owner Occupied | Single Family Detached | 48.66 |  | 610 | XXX% | XXXXXXXXXXX | 213652 | Compliance | Initial Escrow | The Initial Escrow Disclosure is not in the loan file. | 10/20/2021 Document provided to cure. |  | Cleared Exception<br> C<br> B | 1 |
| XXXXXXXXXXX | 80082757 | NC | Refi - Cash Out | Owner Occupied | Single Family Detached | 48.66 |  | 610 | XXX% | XXXXXXXXXXX | 213653 | Credit | Underwriting Condition Not Met | Provide the Borrower's ATR Certification. | 10/20/2021 Received form 403 however the top question is incomplete. 12/06/2021 Document provided to cure. |  | Cleared Exception<br> C<br> B | 1 |
| XXXXXXXXXXX | 80082757 | NC | Refi - Cash Out | Owner Occupied | Single Family Detached | 48.66 |  | 610 | XXX% | XXXXXXXXXXX | 213654 | Credit | Credit | Provide documentation to show theXXXX XXXX, XXXX and XXXX were paid at or prior to closing. It does not appear from the settlement statement in file these debts were paid. The inclusion of the payments would result in a DTI ratio of XXXX%, which is still within guidelines. However, these would need to be paid to meet the compensating factors of DTI ratio well below program maximum and debt free other than the mortgage payment on the Exception Request for credit score and reserves | 10/20/2021 not sent 12/6/2021 XXX stmt still showing balance. Still need Provide documentation to show the XXXX, XXXX, XXXXand XXXXwere paid at or prior to closing. It does not appear from the settlement statement in file these debts were paid. The inclusion of the payments would result in a DTI ratio of XXXX%,<br>12/10/2021 Soft pull credit sent showing some accts paid off and a few others with balances. Dti now #XXXX% and ineligible. 12/14/2021 Please speak to XXXX. LOX provided does not solve this issue. Debt are documented as unpaid.<br>01/17/2022 - removed the XXX payment that was reported on the XXXX soft pull as this is after closing and the credit report dated XXXX at time of loan shows a $XXXX balance. The DTI ratio is XXXX% which is within guidelines (XXXX% max) condition is cleared |  | Cleared Exception<br> C<br> B | 1 |
| XXXXXXXXXXX | 80082757 | NC | Refi - Cash Out | Owner Occupied | Single Family Detached | 48.66 |  | 610 | XXX% | XXXXXXXXXXX | 213656 | Compliance | Other | A compliance review could not be completed since there were no compliance documents in the file (Loan Estimates, Closing Disclosures, HCO, SPL). | 12/06/2021 Covius compliance to review. 12/07/2021 Lender increased the Points without a COC on CD XXXX, added an Appraisal Re-evaluation fee on CD CD XXXX without a COC and the Appraisal Fee Increased on CD 06/21 without a COC. Need COC for the increase in points and the Appraisal Re-evaluation fee. 12/10/2021 Covius compliance to review 12/10/2021 The subject loan failed the revised CD delivery date test (between receipt date and consummation) XXXX day waiting period. 12/14/2021 The revised closing disclosure receipt date provided and the revised closing disclosure receipt date is less than three business days before the consummation date.01/14/2021- Covius Compliance to review - documents provided clear condition |  | Cleared Exception<br> C<br> B | 1 |
| XXXXXXXXXXX | 80082757 | NC | Refi - Cash Out | Owner Occupied | Single Family Detached | 48.66 |  | 610 | XXX% | XXXXXXXXXXX | 213657 | Credit | Program Eligibilty | Provide a letter of explanation for the difference in the ending balance on the XXXX statement dated XXXX of XXXXand the beginning balance of $XXXX on the XXXX statement. | 10/20/2021 We understand the reserves will be from cash out however please explain the difference in the ending balance on the XXXX statement dated XXXX of XXXX and the beginning balance of $XXXX on the XXXX . This is a bank stmt loan. See DTI worksheet 12/06/2021 Document provided to cure. |  | Cleared Exception<br> C<br> B | 1 |
| XXXXXXXXXXX | 80082740 | NC | Purchase | Owner Occupied | Single Family Detached | 42.91 |  | 755 | XXX% | XXXXXXXXXXX | 226285 | Credit | Credit - Inquiries | Credit report reflects inquiries that are not addressed/explained. The Originator should include a step in the underwriting process to verify that any credit inquiries listed on the credit report did not result in a new credit account opened by the Borrower. If the Borrower opened a new credit account, it must be considered in the determination of the Borrower's capacity to repay the Mortgage. | 01/27/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082724 | CT | Purchase | Owner Occupied | Single Family Detached | 27.63 |  | 748 | XXX% | XXXXXXXXXXX | 212551 | Credit | Hazard Insurance | The property insurance policy is not included in the loan file. | 09/24/2021 Document provided to cure. |  | Cleared Exception<br> C<br> B | 1 |
| XXXXXXXXXXX | 80082724 | CT | Purchase | Owner Occupied | Single Family Detached | 27.63 |  | 748 | XXX% | XXXXXXXXXXX | 212552 | Credit | Title | The Title Commitment is not included in the loan file. | 09/24/2021 Document provided to cure. |  | Cleared Exception<br> C<br> B | 1 |
| XXXXXXXXXXX | 80082724 | CT | Purchase | Owner Occupied | Single Family Detached | 27.63 |  | 748 | XXX% | XXXXXXXXXXX | 212553 | Credit | 1008 | Form 1008 is not included in the loan file for a manually underwritten loan. This form also needs to be signed | 09/24/2021 Received 1008 but ratios need to be updated to XXXX% XXXX not sent XXXX Document provided to cure. |  | Cleared Exception<br> C<br> B | 1 |
| XXXXXXXXXXX | 80082724 | CT | Purchase | Owner Occupied | Single Family Detached | 27.63 |  | 748 | XXX% | XXXXXXXXXXX | 212554 | Credit | Homeownership counseling | The Homeownership Counseling Organization List disclosure was not in the file. | 09/24/2021 Document provided to cure. |  | Cleared Exception<br> C<br> B | 1 |
| XXXXXXXXXXX | 80082724 | CT | Purchase | Owner Occupied | Single Family Detached | 27.63 |  | 748 | XXX% | XXXXXXXXXXX | 212555 | Compliance | Initial Escrow | The Initial Escrow Disclosure is not in the loan file. | 09/24/2021 Document to cure. |  | Cleared Exception<br> C<br> B | 1 |
| XXXXXXXXXXX | 80082724 | CT | Purchase | Owner Occupied | Single Family Detached | 27.63 |  | 748 | XXX% | XXXXXXXXXXX | 212556 | Credit | Income | Prove the Bank Statement Calculator and the business narrative that includes description of business, number of employees, locations, estimated cost of goods sold, equipment/materials and commercial/retail client base for the borrower's business, XXXX. According to the underwriting guidelines, the lower of the income disclosed on the initial signed 1003 and the income calculated based on the bank statements is to be used. In this case The Initial 1003 reflects $XXXX per month. Audit used the $XXXXfor calculation purposes. DTI ratio is pending. | 09/24/2021 not sent 11/11/2021 Document provided to cure. |  | Cleared Exception<br> C<br> B | 1 |
| XXXXXXXXXXX | 80082724 | CT | Purchase | Owner Occupied | Single Family Detached | 27.63 |  | 748 | XXX% | XXXXXXXXXXX | 212940 | Credit | Underwriting Condition Not Met | Provide the Underwriter's ATR Attestation and the Borrower's ATR Certification. | 09/24/2021 not sent 11/11/2021 Document provided to cure. |  | Cleared Exception<br> C<br> B | 1 |
| XXXXXXXXXXX | 80082724 | CT | Purchase | Owner Occupied | Single Family Detached | 27.63 |  | 748 | XXX% | XXXXXXXXXXX | 212942 | Credit | Credit Report | Verification of borrower's rental payment history is not included in the loan file to verify no XXXX days or more late payments in the most recent XXXX months. | 02/11/2022 Exception provided. | Credit Score - Credit Score 748 / 88pts over required min, Reserves - Reserves XXXX over required min | Client Accepted<br> C<br> B<br> B(e) | 2 |
| XXXXXXXXXXX | 80082724 | CT | Purchase | Owner Occupied | Single Family Detached | 27.63 |  | 748 | XXX% | XXXXXXXXXXX | 212943 | Compliance | Rate Lock | Evidence of the Rate Lock date is not in the loan file. | 09/24/2021 Document to cure. |  | Cleared Exception<br> C<br> B | 1 |
| XXXXXXXXXXX | 80082724 | CT | Purchase | Owner Occupied | Single Family Detached | 27.63 |  | 748 | XXX% | XXXXXXXXXXX | 212945 | Property | Appraisal | The file did not include evidence the borrower received a copy of the appraisal at least XXXX business days prior to closing. | 09/24/2021 Document provided to cure. |  | Cleared Exception<br> C<br> B | 1 |
| XXXXXXXXXXX | 80082724 | CT | Purchase | Owner Occupied | Single Family Detached | 27.63 |  | 748 | XXX% | XXXXXXXXXXX | 212946 | Compliance | Other | A compliance review could not be completed since the file did not include any Loan Estimates, Revised Closing Disclosures and the Initial Closing Disclosure provided to the borrower at least XXXX business days prior to closing were not in the file. | 09/24/2021 not sent 10/13/2021 - Documents received clears condition (compliance reviewed) |  | Cleared Exception<br> C<br> B | 1 |
| XXXXXXXXXXX | 80081883 | IN | Refi - Cash Out | Owner Occupied | Single Family Detached | 27.03 |  | 734 | XXX% | XXXXXXXXXXX | 224854 | Credit | Income | Missing business statements for XXXX, XXXX and XXXX of XXXX. Provide the missing bank statements for our review. | 02/10/2022 Document provided to cure. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80081883 | IN | Refi - Cash Out | Owner Occupied | Single Family Detached | 27.03 |  | 734 | XXX% | XXXXXXXXXXX | 224878 | Property | Appraisal | Provide evidence that the borrower received a copy of the appraisal XXXX days prior to closing for our review. | 02/10/2022 Document provided to cure. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80081883 | IN | Refi - Cash Out | Owner Occupied | Single Family Detached | 27.03 |  | 734 | XXX% | XXXXXXXXXXX | 224879 | Property | Appraisal | According to the SSR/UCDP the Collateral Underwriter® Risk Score is in excess of XXXX giving the property a 3XXXX4. According to the guidelines, the Correspondent must validate the appraisal by obtaining a desktop valuation analysis from an approved XXXX vendor and include it in the Loan Delivery Submission package, however, in this case there is no desktop valuation located in the loan file. Provide a desktop valuation analysis from XXXX for our review. | 02/10/2022 Document provided to cure. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80081883 | IN | Refi - Cash Out | Owner Occupied | Single Family Detached | 27.03 |  | 734 | XXX% | XXXXXXXXXXX | 224880 | Credit | Underwriting Condition Not Met | Underwriting Condition not in Loan File. Provide Form 402 - Prior Approve/Non-Delegated Correspondent Loan Submission, Form 404 - Bank Statement Calculator, | 02/10/2022 Document provided to cure. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80081883 | IN | Refi - Cash Out | Owner Occupied | Single Family Detached | 27.03 |  | 734 | XXX% | XXXXXXXXXXX | 226736 | Compliance | Other | The Closing Disclosure dated, 12/21/21 is not signed. Provide satisfactory evidence of the Receipt date of the Closing Disclosure for our review. | 02/10/2022 Document provided to cure. |  | Cleared Exception<br> D<br> A | 1 |
| XXXXXXXXXXX | 80081874 | CT | Purchase | Owner Occupied | Single Family Detached | 30.06 |  | 744 | XXX% | XXXXXXXXXXX | 227027 | Compliance | Other | Per the E-signed document, the file is missing Loan Estimates dated XXXX and XXXX. The Appraisal Fee and Discount Points increased without a Change of Circumstance. | 02/08/2022 Covius compliance to review. |  | Cleared Exception<br> D<br> B | 1 |
| XXXXXXXXXXX | 80081874 | CT | Purchase | Owner Occupied | Single Family Detached | 30.06 |  | 744 | XXX% | XXXXXXXXXXX | 227053 | Credit | Loan Amount | According to the underwriting guidelines, the maximum loan amount is $XXXX. The subject loan is $XXXX The file contains an exception for this issue, but there is no approval date on the request. | 02/08/2022 Client exception provided. | DTI - The borrowers have 30.06% DTI ratio which is 19% below the maximum 50%., Reserves - The borrowers have XXXX months of reserves. | Client Accepted<br> D<br> B<br> B(e) | 2 |
| XXXXXXXXXXX | 80081874 | CT | Purchase | Owner Occupied | Single Family Detached | 30.06 |  | 744 | XXX% | XXXXXXXXXXX | 227054 | Property | Appraisal | According to the underwriting guidelines, a desktop valuation analysis from an approved vendor is required when the Fannie Mae Collateral Underwriter Risk Score is over XXXX. The subject appraisal has a Risk Score of XXXX. Provide the desktop valuation analysis. It is noted, the file includes an invoice for the XXXX report. | 02/08/2022 Document provided to cure. |  | Cleared Exception<br> D<br> B | 1 |
| XXXXXXXXXXX | 80081874 | CT | Purchase | Owner Occupied | Single Family Detached | 30.06 |  | 744 | XXX% | XXXXXXXXXXX | 227055 | Credit | Credit | Provide a letter of explanation to verify the move from XXXX to XXXX will not have a negative impact on the borrower's business since it is being used for qualifying. | 02/08/2022 Document provided to cure. |  | Cleared Exception<br> D<br> B | 1 |
| XXXXXXXXXXX | 80081874 | CT | Purchase | Owner Occupied | Single Family Detached | 30.06 |  | 744 | XXX% | XXXXXXXXXXX | 227056 | Credit | Underwriting Condition Not Met | Provide the Underwriter's ATR Attestation. | 02/08/2022 Document provided to cure. |  | Cleared Exception<br> D<br> B | 1 |
| XXXXXXXXXXX | 80081864 | OH | Purchase | Owner Occupied | Single Family Detached | 12.75 |  | 684 | XXX% | XXXXXXXXXXX | 219920 | Credit | Credit - Eligiblity | According to the guidelines a minimum credit score of XXXX is required for an LTV of XXXX%, however, in this case the eligible credit score is XXXX. An exception from the lender is required for our review. | 12/08/2021 Received LOX regarding credit score. Would client like to waive ? 01/17/2022 - Client comments state to waive XXXX) | Credit Score - Credit Score 684 / 4pts over required min, Reserves - Reserves XXXXmths over required min | Client Accepted<br> C<br> B<br> B(e) | 2 |
| XXXXXXXXXXX | 80081864 | OH | Purchase | Owner Occupied | Single Family Detached | 12.75 |  | 684 | XXX% | XXXXXXXXXXX | 219921 | Credit | Employment | Verbal Verification of Employment obtained within XXXX business days prior to closing is not in the file. Please provide the Verbal Verification of Employment obtained within XXXX business days prior to closing for our review. | 12/08/2021 Document provided to cure. |  | Cleared Exception<br> C<br> B | 1 |
| XXXXXXXXXXX | 80081864 | OH | Purchase | Owner Occupied | Single Family Detached | 12.75 |  | 684 | XXX% | XXXXXXXXXXX | 219922 | Credit | Underwriting Condition Not Met | Underwriting Condition not in Loan File. Form 408 residual income is not located in the loan file. Please provide form 408 for our review. | 12/08/2021 No form 408 received but email with residual income included. Would client like to waive form 408. 01/17/2022 - client comments state to waive the condition (XXXX) | Credit Score - Credit Score 684 / 4pts over required min, Reserves - Reserves XXXXmths over required min | Client Accepted<br> C<br> B<br> B(e) | 2 |
| XXXXXXXXXXX | 80081864 | OH | Purchase | Owner Occupied | Single Family Detached | 12.75 |  | 684 | XXX% | XXXXXXXXXXX | 219926 | Credit | Funds to Close | OnXXXX there was a large deposit in the amount of $XXXX made into account ending in #XXXX, however, the source of the funds have not been sourced. Please provide documentation from the origination of this large deposit for our review. | 12/08/2021 Document provided to cure. |  | Cleared Exception<br> C<br> B | 1 |
| XXXXXXXXXXX | 80081864 | OH | Purchase | Owner Occupied | Single Family Detached | 12.75 |  | 684 | XXX% | XXXXXXXXXXX | 220075 | Compliance | Other | This loan failed the charges that cannot increase test. The initial LE XXXX1 reflects the appraisal fee as $XXXX. The Discount Points fee were added on for $XXXX however the final CD reflects the appraisal fee as $XXXXand the Discount Points fee as $XXXX, for an increase of $XXXX. A change of circumstance for the increased fees was not included in the loan file. Missing Revised LEs. | 12/09/2021 Covius compliance to review. The Appraisal fee increase from $XXXX on LE XXXX to $XXXX on CD XXXX without a COC. Need COC for the change 01/21/2022 - Covius Compliance to review - documents provided clears condition |  | Cleared Exception<br> C<br> B | 1 |
| XXXXXXXXXXX | 80081817 | RI | Purchase | Owner Occupied | Condo Attached | 16.83 |  | 709 | XXX% | XXXXXXXXXXX | 223827 | Credit | VOM | The Verification of Rent (VOR) and/or the rental payment history on the current address is not in the loan file. Provide a copy of the rental payment history for our review. | 02/07/2022 Document provided to cure. |  | Cleared Exception<br> D<br> B | 1 |
| XXXXXXXXXXX | 80081817 | RI | Purchase | Owner Occupied | Condo Attached | 16.83 |  | 709 | XXX% | XXXXXXXXXXX | 223829 | Credit | Underwriting Condition Not Met | Underwriting Condition not in Loan File. The following forms are required per the guidelines, 403 - Borrower's ATR Certification, 407 - Underwriter's ATR Attestation, 408 - Residual Income Worksheet and 415 - Certification of Non-Warrantable Condo and Condotel, however, they are missing from the loan file. Please provide the referenced forms for our review. | 02/07/2022 Received 407, 403 and 408 |  | Cleared Exception<br> D<br> B | 1 |
| XXXXXXXXXXX | 80081817 | RI | Purchase | Owner Occupied | Condo Attached | 16.83 |  | 709 | XXX% | XXXXXXXXXXX | 223837 | Property | Appraisal | Provide evidence the borrower received a copy of the appraisal for our review. | 02/07/2022 Document provided to cure |  | Cleared Exception<br> D<br> B | 1 |
| XXXXXXXXXXX | 80081817 | RI | Purchase | Owner Occupied | Condo Attached | 16.83 |  | 709 | XXX% | XXXXXXXXXXX | 224051 | Compliance | Other | Missing Revised Loan Estimate dated XXXX. Provide a copy of the Loan Estimate dated XXXX for our review. | 02/07/2022 Covius compliance to review |  | Cleared Exception<br> D<br> B | 1 |
| XXXXXXXXXXX | 80081817 | RI | Purchase | Owner Occupied | Condo Attached | 16.83 |  | 709 | XXX% | XXXXXXXXXXX | 224052 | Credit | 1008 | The 1008 located in the loan file is not signed. Provide a signed 1008 for our review. | 02/07/2022 Document provided to cure |  | Cleared Exception<br> D<br> B | 1 |
| XXXXXXXXXXX | 80081817 | RI | Purchase | Owner Occupied | Condo Attached | 16.83 |  | 709 | XXX% | XXXXXXXXXXX | 224053 | Credit | Credit - Inquiries | Credit report reflects inquiries that are not addressed/explained. The Originator should include a step in the underwriting process to verify that any credit inquiries listed on the credit report did not result in a new credit account opened by the Borrower. If the Borrower opened a new credit account, it must be considered in the determination of the Borrower's capacity to repay the Mortgage. | 02/07/2022 Document provided to cure |  | Cleared Exception<br> D<br> B | 1 |
| XXXXXXXXXXX | 80081817 | RI | Purchase | Owner Occupied | Condo Attached | 16.83 |  | 709 | XXX% | XXXXXXXXXXX | 224054 | Credit | Hazard Insurance | The property insurance policy or certificate is not included in the loan file. A binder was located in the loan file covering XXXX days. Please provide property insurance documentation that meets the requirements of guidelines for our review. | 02/07/2022 Document provided to cure |  | Cleared Exception<br> D<br> B | 1 |
| XXXXXXXXXXX | 80081817 | RI | Purchase | Owner Occupied | Condo Attached | 16.83 |  | 709 | XXX% | XXXXXXXXXXX | 224055 | Credit | LTV | LTV exceeds loan purpose thresholds - ineligible. According to the guidelines the LTV of XXXX% requires a credit score of XXXX, however, the borrower has a credit score of XXXX. There is an exception located in the loan file allowing the lower credit score of XXXX with compensating factors of: reserves of XXXX months (the borrower has XXXX), the DTI of XXXX% (the borrower's DTI is XXXX%) and perfect payment history for the last XXXX years (which is accurate). | 02/07/2021 Email exception provided. | Months Of Reserves - Guidelines require XXXX months reserves after closing this loan has more than 72, DTI - Guidelines allow up to 50% DTI and the DTI on this file is 16.83% | Client Accepted<br> D<br> B<br> B(e) | 2 |
| XXXXXXXXXXX | 80082304 | SC | Purchase | Owner Occupied | PUD | 25.97 |  | 792 | XXX% | XXXXXXXXXXX | 227287 | Property | Appraisal | Provide the Certificate of Occupancy from the city/county permit & inspection department since the subject is new construction. | 02/15/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082304 | SC | Purchase | Owner Occupied | PUD | 25.97 |  | 792 | XXX% | XXXXXXXXXXX | 227288 | Credit | Underwriting Condition Not Met | Provided a fully completed Underwriter ATR Attestation. The attestation in the file was not dated and did not have each certification initialed. | 02/15/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082304 | SC | Purchase | Owner Occupied | PUD | 25.97 |  | 792 | XXX% | XXXXXXXXXXX | 227289 | Credit | Flood Insurance | Provide the Flood insurance policy. The file only included the flood insurance policy application. | 02/15/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082304 | SC | Purchase | Owner Occupied | PUD | 25.97 |  | 792 | XXX% | XXXXXXXXXXX | 227290 | Property | Appraisal | Provide evidence the borrower received a copy of the appraisal. | 02/15/2022 Document provided to cure. |  | Cleared Exception<br> C<br> A | 1 |
| XXXXXXXXXXX | 80082287 | IL | Purchase | Owner Occupied | Single Family Detached | 49.82 |  | 797 | XXX% | XXXXXXXXXXX | 224455 | Credit | Program Eligibilty | According to the underwriting guidelines, first-time homebuyers may not exceed a XXXX% payment shock Ratio. Audit calculated a payment shock of XXXX% ($XXXX/$XXXX). | The file contains a pre-approved exception dated 10/21/2021 for the payment shock exceeding XXXX%. | Credit Score - The borrower, who is the primary wage earner, has a credit score of 797 with is 97 points above the required 700., Months Of Reserves - The borrowers have XXXX months reserves. | Client Accepted<br> C<br> B<br> B(e) | 2 |
| XXXXXXXXXXX | 80082287 | IL | Purchase | Owner Occupied | Single Family Detached | 49.82 |  | 797 | XXX% | XXXXXXXXXXX | 224456 | Credit | Underwriting Condition Not Met | Provide the bank statement calculator worksheet since the borrower is being qualified with income using XXXX months business bank statements. Audit used a XXXX% expense ratio based on the business narrative in the file. DTI ratio pending. | 01/14/2022 - Document received clears condition (DTI ratio remains same) |  | Cleared Exception<br> C<br> B | 1 |
| **55** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXXXXXX | 80082531 | FL | Purchase | Second Home | Condo Attached | 46.06 |  | 791 | XXX% | XXXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXXX | 80082376 | NY | Purchase | Owner Occupied | Single Family Detached | 41.47 |  | 777 | XXX% | XXXXXXXXXXX |  |  |  |  |  |  | A |  |
| **2** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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## Exhibit 99.2

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Number2** | **Number of Mortgaged Properties** | **Current Payment Amount Due** | **Current 'Other' Monthly Payment** | **Subject PITIA** | **Non-Subject PITIA** | **Non-Subject Net Rental Income Calc** | **FEMA Cert Number** |
| XXXXXXXXXXX | 80082531 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082517 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082679 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082503 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082655 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80081813 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082285 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082271 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082255 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082230 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082658 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082648 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082634 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80081680 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082210 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082192 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082172 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082588 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082375 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082362 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082571 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082347 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082551 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082319 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082016 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80081998 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80081834 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80081814 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80081790 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082300 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082211 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082193 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082394 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082376 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082363 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082723 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082710 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082334 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082697 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80081873 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082321 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082774 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80081851 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082757 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082740 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082724 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80081883 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80081874 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80081835 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80081864 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80081817 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082302 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082304 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |
| XXXXXXXXXXX | 80082287 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX |

---

## Exhibit 99.3

![](clayton_logo.jpg)

GSMBS 2025-R1 <br>

![](clayton_cover.jpg)

### November 17, 2025 <br> Due Diligence Narrative Report

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![](clayton_logo.jpg)

**TABLE OF CONTENTS**<br>

---

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

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GSMBS 2025-R1 Due Diligence Narrative Report Page \| 1 \| Page November 17, 2025&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br>

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![](clayton_logo.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;CLAYTON CONTACT INFORMATION

#### Client Service Management:

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ![](clayton_bullet.gif) | **Ralph Fox**&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Client Services Senior Director<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Phone: (813) 371-0281/E-mail: <u>rfox@clayton.com</u> <br>|

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ![](clayton_bullet.gif) | **Joe Ozment**&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Vice President – Client Services & Securitization<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> <br>|

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&nbsp;&nbsp;&nbsp;&nbsp;OVERVIEW

On behalf of HomeXpress Mortgage Corp., Clayton conducted an independent third-party pre-securitization due diligence review of 204 residential loans. The results for the loans reviewed were subsequently sold to Goldman Sachs via a Reliance Letter and selected for the GSMBS 2025-R1 transaction.

On behalf of Impac, Clayton conducted an independent third-party pre-securitization due diligence review of 32 residential loans. The results for the loans reviewed were subsequently sold to Goldman Sachs via a Reliance Letter and selected for the GSMBS 2025-R1 transaction.

The loans referenced in this narrative report were reviewed in March 2019 through January 2022 at Clayton's centralized underwriting facilities in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

#### <br>

#### ORIGINATORS
Origination channels for the loans in this review:

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| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 223 | 94.49% |
| Correspondent Flow without delegated underwriting | 2 | 0.85% |
| Retail | 11 | 4.66% |
| **Total** | **236** | **100.00%** |

---

&nbsp;&nbsp;&nbsp;&nbsp;CLAYTON'S THIRD PARTY REVIEW ("TPR") SCOPE OF WORK

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

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SAMPLING

For all originators in this transaction, 98.31% of the loans received a Full Review as described below.

Review Type Loan Counts

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| | | |
|:---|:---|:---|
| ***Review Type*<br>** <br>| *Loan Count*<br> *Reviewed by Clayton*<br>| *Scope Applied*<br>|
| **Full Review<br>** <br>| 232\*<br>| Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope".<br>|
| **Total Loan Population<br>** <br>| 236<br>|  |

---

\*4 loans were not reviewed for regulatory compliance in accordance with paragraph 2 of the "Compliance Review (Business Purpose, Non-Owner Occupied)"

SPONSOR ACQUISITION CRITERIA

Clayton was supplied with the guidelines in advance of our review. The subject loans were reviewed to the Originators guidelines.

LOAN GRADING

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

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

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TPR COMPONENT REVIEW SCOPE

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

CREDIT REVIEW

Clayton's Credit scope of review conducted on this transaction included the following elements (for more detail, please refer to [Appendix A](#z_Appendix_A:_Credit) and to the guidelines cited above):

<br> ◾ Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Sponsor Acquisition Criteria cited above;

<br> ◾ Re-calculated LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these against the Sponsor Acquisition Criteria;

<br> ◾ Analyzed asset statements in order to determine whether funds to close and reserves were within Sponsor Acquisition Criteria;

<br> ◾ Confirmed that credit scores (FICO) and credit histories were within Sponsor Acquisition Criteria;

<br> ◾ Evaluated evidence of borrower's willingness and ability to repay the obligation;

---

| | |
|:---|:---|
| ◾ | Examined Data Verify/Fraudgaurd/Interthinx or similar risk evaluation report, which was already in the loan file for Nationwide Multistate Licensing System and Registry ("NMLS") and occupancy status alerts. Clayton researched alert information against loan documentation and assigned loan conditions accordingly. |

---

PROPERTY VALUATION REVIEW

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

<br> ◾ Original Appraisal Assessment

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

For more detail on the original appraisal review scope and desk review definitions, please refer to [Appendix B](#z_Appendix_B:_Origination) and to the guidelines cited above.<br>

<br> ◾ Value Supported Analysis

Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product. A Desk Review, AVM or a 2<sup>nd</sup> full origination appraisal was used to reconcile the original appraisal within a -10% variance.

Clayton had independent access to all products, as listed in Clayton valuations report.

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![](clayton_logo.jpg)

REGULATORY COMPLIANCE REVIEW

Clayton's Regulatory Compliance scope of review conducted on this transaction included the elements summarized below. (For more detail, please refer to [Appendix C](#z_Appendix_C:_Regulatory) and to the guidelines cited above.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

<u>Compliance Review (full scope)</u>

The scope of the compliance review performed is summarized below:

<br> ◾ Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;

<br> ◾ Assessed compliance with state specific consumer protection laws by testing late charge and prepayment penalty provisions;

<br> ◾ Truth-in-lending/regulation Z (TILA) testing included the following:

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

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

<br> - TIL APR and Finance charge tolerances;

<br> - Timeliness of ARM Disclosures (if applicable);

<br> - Section 32 APR and Points and Fees Thresholds and prohibited practices;

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

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

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | The ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and fees evaluation depending on the loan's undiscounted interest rate in relation to the APOR index rate. The ATR/QM Rule does not set the required rate reduction per discount point. |

---

Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a [0.2%] rate reduction threshold per discount point.

<br> - Prepayment Penalty restrictions.

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

<br> ◾ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

<br> - GFE initial disclosure timing and content;

<br> - Confirmed the file contains the final HUD1 Settlement Statement;

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

<br> - Homeownership Counseling Notice;

<br> - 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

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![](clayton_logo.jpg)

("TPR") firm's role as TPR conducting an independent third-party pre-securitization due diligence review ("Initial TRID Scope"). The Initial TRID Scope was created with guidance from outside counsel.

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

<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:

<br> • Cook County High Cost Ordinance

<br> • 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

<br> • Virginia Lender and Broker Act after 6/1/2008

<br> • 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)

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<br> • Sufficiency of coverage

<br> • Escrow of insurance payments

DATA INTEGRITY

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

<br> ◾ Tape data received from lender/client is stored in eCLAS;

<br> ◾ Loan Reviewer collects validated loan data in eCLAS;

<br> ◾ Each received data point is compared to its counterpart collected data point;

<br> ◾ Discrepancies found during comparison are stored

DATA CAPTURE

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

DATA COMPARE RESULTS

Clayton provided Goldman Sachs with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the seller versus the data captured by Clayton during the loan review.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **# of Loans** | **% Accuracy** |
| Borrower 1 SSN | 1 | 99.58% |
| Combined LTV | 2 | 99.15% |
| Disbursement Date | 44 | 81.36% |
| Documentation Type | 1 | 99.58% |
| DTI Qualifying (Back) | 2 | 99.15% |
| First Payment Date | 1 | 99.58% |
| Loan Purpose | 23 | 90.25% |
| Maturity Date | 1 | 99.58% |
| Max Rate at First Adjustment | 1 | 99.58% |
| Number of Units | 4 | 98.31% |
| Original Appraised Value | 17 | 92.80% |
| Original LTV | 2 | 99.15% |
| Original Term | 3 | 98.73% |
| Product Type | 3 | 98.73% |
| Property Type | 3 | 98.73% |
| Representative Credit Score for Grading | 17 | 92.80% |

---

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CLAYTON DUE DILIGENCE RESULTS

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

#### Initial and Final Overall Loan Grade Results

#### <br>
<u> </u>

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **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** | 162 | 1 | 19 | 22 | **204** |
| **Final** | **B** | 2 | 16 | 7 | 7 | **32** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **164** | **17** | **26** | **29** | **236** |

---

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

#### Initial and Final Credit Component Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 201 | 2 | 11 | 10 | **224** |
| **Final** | B | 1 | 8 | 1 | 2 | **12** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **202** | **10** | **12** | **12** | **236** |

---

#### Initial and Final Property Valuation Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 227 |  | 3 | 6 | **236** |
| **Final** | B |  |  |  |  | **0** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **227** | **0** | **3** | **6** | **236** |

---

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#### Initial and Final Regulatory Compliance Grade Results

#### <br>

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **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 | 191 |  | 9 | 9 | **209** |
| **Final** | B | 1 | 11 | 7 | 4 | **23** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **192** | **11** | **16** | **13** | **232** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (4 loans in pool)

CLAYTON THIRD PARTY REPORTS DELIVERED

Clayton furnished the following reports on this transaction:

<br> 1. Narrative Report

<br> 2. Conditions Report

<br> 3. Loan Level Tape Compare Upload

<br> 4. Valuations Summary Report

<br> 5. Attestation Forms

<br> 6. ASF Upload

<br> 7. Rating Agency ATR/QM Data Fields

<br> 8. Waived Conditions Summary

<br> 9. Non-ATR QM Upload

#### APPENDIX A: CREDIT REVIEW SCOPE
For each mortgage loan, Clayton performed a guideline review utilizing specific guidelines furnished at the time of the review.

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

<br> o DTI

<br> o LTV/TLTV/HLTV

<br> o Credit score

<br> o Income and employment

<br> o Assets and reserves

<br> o Property type and use eligibility; and if the property type was a condominium or cooperative, assessed project adherence

<br> o Borrower eligibility, including:

-&nbsp;&nbsp;&nbsp;&nbsp;Citizenship status

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-&nbsp;&nbsp;&nbsp;&nbsp;Non- occupant co-borrower

<br> o Transaction eligibility, including:

-&nbsp;&nbsp;&nbsp;&nbsp;Maximum loan amount

-&nbsp;&nbsp;&nbsp;&nbsp;Loan purpose

-&nbsp;&nbsp;&nbsp;&nbsp;Occupancy

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

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

<br> o Uniform Residential Loan Application reviewed to determine:

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

<br> - Final loan application was in the loan file and was complete

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

<br> o Employment analyzed and verified through use of various documents, including:

<br> - Income documentation

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

<br> - CPA letter

<br> - Business licenses

<br> - Tax transcripts (IRS Form 4506-T)

<br> - Other documentation in loan file

<br> o Income review included:

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

<br> - Documents did not appear to have been altered or inconsistent

<br> - IRS Form 4506-T

<br> ◾ Signed by all borrowers and processed by the originator

<br> ◾ Compared IRS tax transcripts to income documentation and noted any inconsistencies

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

<br> ◾ Tax returns

<br> ◾ Financial statements

<br> ◾ Paystubs

<br> ◾ W-2s

<br> ◾ 1099

<br> ◾ IRS documents

<br> ◾ Bank statements

<br> ◾ Lease agreements

<br> ◾ Award letters

<br> ◾ Other documentation in loan file

<br> o Asset review included:

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

<br> ◾ Verification of deposits (VOD)

<br> ◾ Depository account statements

<br> ◾ Stock or security account statements

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<br> ◾ Gift funds

<br> ◾ Settlements statements

<br> ◾ Other evidence of conveyance and transfer of funds, if a sale of assets was involved

<br> ◾ Other documentation in loan file

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

<br> o Credit Report review included:

<br> - Complete copy of report was in loan file

<br> - Report was dated within required timeframe

<br> - All borrowers were included in the report

<br> - Checked any fraud alerts against related loan file documentation

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

<br> - Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

<br> - Captured and utilized appropriate credit score for guideline review

<br> o Title policy review included:

<br> - Title interest – determined if

<br> ◾ Fee simple

<br> ◾ Leasehold estate

<br> - Appropriate vestee(s) were listed on title policy

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

<br> - Applicable title endorsements were present

<br> - 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

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

<br> - Captured monthly tax payments in debt ratio calculation

<br> o HUD1 (Settlement Statement) review included:

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

<br> - Seller contributions did not exceed maximum allowed

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

<br> - Disbursements and pay-offs included in debt ratio calculations

<br> - Loan purpose confirmed

<br> o Hazard/Flood insurance review included:

<br> - Verified presence of required hazard insurance and flood insurance (if required)

<br> - Confirmed that any required insurance was for the:

<br> ◾ Correct borrower

<br> ◾ Correct property

<br> ◾ Correct lender

<br> ◾ Correct loan number

<br> ◾ Life of loan, if flood insurance required

Confirmed that any required insurance minimum coverage amount and policy period<br>

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

<br> - 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<br>

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

&nbsp;&nbsp;&nbsp;&nbsp;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:

<br> o Borrower identity

<br> - Social Security inconsistencies

<br> - Borrower name variations

<br> o Occupancy

<br> - Borrower address history

<br> - Subject property ownership history

<br> o Employment

<br> o Licensing – reviewed NMLS data for:

<br> - Mortgage lender/originator

<br> - Loan officer

<br> o OFAC

#### APPENDIX B: ORIGINATION APPRAISAL ASSESSMENT
For each Mortgage Loan, Clayton performed the following origination appraisal analysis:

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

<br> o Appraisal report used standard GSE forms, appropriate to the property type:

<br> - 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)

<br> - 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)

<br> - 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

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

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

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

<br> o Appraisal report was reasonably complete and included:

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

<br> - Accurate identification of the subject property

<br> - Accurate identification of the subject loan transaction

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

<br> - All required attachments including:

<br> ◾ Subject front, rear and street photos and valued features

<br> ◾ Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance

<br> ◾ Photos of all comparable sales and listings

<br> ◾ Location map

<br> ◾ Exterior sketch of property with dimensions

<br> ◾ 1004MC Market Conditions Report

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

<br> - Appraisal date met supplied Sponsor Acquisition Criteria

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

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

<br> o Title XI of FIRREA:

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

<br> - 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

<br> o USPAP

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

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

<br> o Appraised value was reasonably supported. Utilized the following review in making value supported determination:

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

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

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

<br> - 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.<br>

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

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

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

<br> - Property usage was reviewed for zoning compliance

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

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<br> - Neighborhood values were reviewed to determine if declining

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

<br> ◾ Location

---

| | |
|:---|:---|
| ◾ | % built up |

---

<br> ◾ Growth rate

<br> ◾ Demand/supply

<br> ◾ Marketing time

<br> ◾ Predominant occupancy

<br> - 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

<br> - Any health and safety issues were noted and/or remediated

<br> - Locational and/or environmental concerns adequately addressed if present

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

<br> o 3 to 4 unit owner occupied properties

<br> o 2 to 4 unit second homes

<br> o Unwarrantable or limited review condominiums

<br> o Manufactured or mobile homes

<br> o Condotel units

<br> o Unique properties

<br> o Working farms, ranches or orchards

<br> o Mixed-use properties

<br> o Properties subject to existing oil or gas leases

<br> o Properties located in Hawaii Lava Zones 1 and 2

<br> o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

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

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

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

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

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<br> 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

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

<br> 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.

<br> o Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

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

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

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

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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.

#### Federal Law

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

<br> 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

<br> o Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

<br> 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

<br> 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

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

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<br> 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

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

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

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

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

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<br> 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

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

<br> o High Cost mortgage thresholds for points and fees (Section 32)

<br> o High Cost Prohibited Acts and Practices upon request (Section 33)

<br> o Higher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal requirements (Section 35)

<br> 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)

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

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<br> o TILA/RESPA Integrated Disclosure Rule: "The Initial TRID Scope"

<br> ◾ Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate ("LE") and Closing Disclosure ("CD")

<br> ◾ Pre-application Requirement Testing:

<br> • Pre-application forms cannot look similar to the LE

<br> • 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").

<br> ◾ Timing Requirements:

<br> • The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

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

<br> • 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.

<br> ◾ Fee Tolerances:

• Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

<br> • If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

<br> ◾ Payment Schedule Accuracy:

<br> • The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton's calculated payment schedule.

<br> • Interest-only periods and final balloon payments are accurately completed.

• The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

<br> • When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

<br> ◾ Accuracy of the Loan Calculations

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• Amount Financed

<br> • Finance Charge

• Total of Payments

• Total interest percentage

<br> ◾ Technical Requirements

<br> • Compliance with the TRID rounding rules.

<br> • Compliance with specified formatting requirements.

<br> • Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

<br> • Alphabetization of fees.

<br> • Title fees preceded by "Title –."

<br> • Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

<br> ◾ Consistency within and across forms

<br> • Once a fee is disclosed it must remain substantially the same name across disclosures.

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

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

• Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

<br> ◾ Completion of the LE and CD

<br> • 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.

<br> • For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one option is indicated.

<br> • That there is either a signature or a Loan Acceptance statement on the form.

<br> ◾ Waivers

<br> • 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.

<br> ◾ Corrected CD requiring a new waiting period

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

<br> • Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

<br> • Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

<br> ◾ Post-Close CD's

<br> • Corrected CD's provided with a post-close refund.

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<br> • Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

<br> • Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

<br> ◾ Related Documentation

<br> • Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

<br> • Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

<br> • Affiliated Business Disclosure (can impact fee tolerances)

<br> ◾ Outside of Clayton's default TRID scope:

<br> • 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.

<br> • Whether the Liability after Foreclosure selection is correct for the property state.

• Accuracy of the Aggregate Adjustment amount.

<br> • Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

<br> • Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms, but is not independently verifying the information.

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

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

#### STATE, COUNTY and MUNICIPAL LAW

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

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

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| | | |
|:---|:---|:---|
| **Higher-Priced** | **Higher-Priced** | **Higher-Priced** |
| California | Maryland | New York |
| Connecticut | Massachusetts (subprime ARMS to first time homebuyers) | North Carolina |
| Maine | Minnesota | |

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

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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:

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

---

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

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

<br> • Minnesota (Mortgage Originator and Service Licensing Act)

<br> • Puerto Rico (Office Regulation 5722)

<br> • Texas (Texas Finance Code)

<br> • West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

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

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

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| | | |
|:---|:---|:---|
| **Borrower's Interest** | **Borrower's Interest** | **Borrower's Interest** |
| Maine | Ohio | South Carolina |
| Massachusetts | Rhode Island | |

---

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

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

---

| | |
|:---|:---|
| **Consumer Protection** | **Consumer Protection** |
| Alabama (the "Mini-code") | Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| Hawaii (Financial Services Loan Company Act) | Nevada (AB 440 |
| Idaho (Residential Mortgage Practices Act) | Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| Iowa (Consumer Credit Code) | Utah (Consumer Credit Code) |
| Kansas (Consumer Credit Code) | Virginia (Mortgage Lender and Broker Act) |
| Kentucky (HB 552) | Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| Maryland (DLLR Regulations, Commercial Law) | West Virginia (Consumer Credit Protection Act) |
| Massachusetts (Attorney General regulations) | Wyoming (Residential Mortgage Practices Act) |
| 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:

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

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

#### GSE Testing
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

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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.)

#### Disclaimer
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.

<br>© 2025 Clayton Services LLC. All rights reserved.

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

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## Exhibit 99.3

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |
| **Client Project Name:** | **Client Project Name:** | **GSMBS 2025-R1** | **GSMBS 2025-R1** |  |
| **Start - End Dates:** |  | **3/6/2019 - 1/3/2022** | **3/6/2019 - 1/3/2022** |  |
| **Deal Loan Count:** |  | **236** |  |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |
| ***Loans in Report:*** |  | *236* |  |  |
| ***Loans with Conditions:*** | ***Loans with Conditions:*** | *87* |  |  |
| **22 - Total Active Conditions** | **22 - Total Active Conditions** | **22 - Total Active Conditions** |  |  |
|  | **22 - Non-Material Conditions** | **22 - Non-Material Conditions** | **22 - Non-Material Conditions** |  |
|  |  |  | 6 - Credit Review Scope | 6 - Credit Review Scope |
|  |  |  |  | 2 - Category: Credit/Mtg History |
|  |  |  |  | 1 - Category: DTI |
|  |  |  |  | 2 - Category: LTV/CLTV |
|  |  |  |  | 1 - Category: Terms/Guidelines |
|  |  |  | 16 - Compliance Review Scope | 16 - Compliance Review Scope |
|  |  |  |  | 1 - Category: RESPA |
|  |  |  |  | 1 - Category: Right of Rescission |
|  |  |  |  | 2 - Category: Texas Home Equity |
|  |  |  |  | 12 - Category: TILA/RESPA Integrated Disclosure |
| **102 - Total Satisfied Conditions** | **102 - Total Satisfied Conditions** |  |  |  |
|  |  |  | 34 - Credit Review Scope | 34 - Credit Review Scope |
|  |  |  |  | 3 - Category: Application |
|  |  |  |  | 4 - Category: Assets |
|  |  |  |  | 1 - Category: Credit/Mtg History |
|  |  |  |  | 1 - Category: DTI |
|  |  |  |  | 5 - Category: Income/Employment |
|  |  |  |  | 8 - Category: Insurance |
|  |  |  |  | 4 - Category: Legal Documents |
|  |  |  |  | 1 - Category: LTV/CLTV |
|  |  |  |  | 4 - Category: Terms/Guidelines |
|  |  |  |  | 3 - Category: Title |
|  |  |  | 14 - Property Valuations Review Scope | 14 - Property Valuations Review Scope |
|  |  |  |  | 12 - Category: Appraisal |
|  |  |  |  | 2 - Category: Property |
|  |  |  | 54 - Compliance Review Scope | 54 - Compliance Review Scope |
|  |  |  |  | 1 - Category: Compliance Manual |
|  |  |  |  | 2 - Category: Documentation |
|  |  |  |  | 1 - Category: Finance Charge Tolerance |
|  |  |  |  | 4 - Category: Right of Rescission |
|  |  |  |  | 10 - Category: Texas Home Equity |
|  |  |  |  | 36 - Category: TILA/RESPA Integrated Disclosure |
| **7 - Total Waived Conditions** | **7 - Total Waived Conditions** |  |  |  |
|  |  |  | 7 - Credit Review Scope | 7 - Credit Review Scope |
|  |  |  |  | 2 - Category: Legal Documents |
|  |  |  |  | 2 - Category: LTV/CLTV |
|  |  |  |  | 3 - Category: Terms/Guidelines |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

------

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **GSMBS 2025-R1** |
| **Start - End Dates:** | **3/6/2019 - 1/3/2022** |
| **Deal Loan Count:** | **236** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *236* |
| ***Loans with Conditions:*** | *87* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Initial Securitization Condition Grade** | **Initial S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| DE0D99EA-E625-4C04-A67D-A5F80E47704A | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash to the borrower in the amount of $38,929.03 with no reserve requirements.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at XXX% with max allowable at 65%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum required credit score for LTV of XXX% is 600 with current at 643.<br>|
| 2C1DBEF6-3134-48E5-886D-CE9F01AF3C38 | XXXXXX | FL | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Credit | DTI | Satisfied | D<br> A | D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing tax and insurance information for XXX | 08/13/2019 lender response: The Underwriter took the taxes and insurance from the 1003 Schedule of Real Estate. Page 66 of the Guidelines dated XXX states: The monthly payments for taxes, insurance and Homeowners Association (HOA) fees (if applicable) will be taken from the Schedule of Real Estate. If the Schedule of Real Estate is incomplete or blank, the borrower must provide satisfactory documentation verifying the amount of the monthly payments.08/13/2019 Clayton reviewed documentation. | 08/13/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on his job 4 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 703 exceeds the minimum score of 680, 23 points.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 26 months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have verified post- closing reserves of $36,806.59; per underwriter conditions, $5,290.92 is required for 6 months subject PITI<br>|
| 2C1DBEF6-3134-48E5-886D-CE9F01AF3C38 | XXXXXX | FL | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Credit | Income/Employment | Satisfied | C<br> A | C<br> A | CRDINC2488 | Verbal verification of employment missing | No | Verbal verification of employment is missing in the credit file, for Co-borrower. | 08/13/2019 lender response: Please see Verbal VOE for Co-borrower, file "XXX"08/13/2019 Clayton reviewed documentation | 0813/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on his job 4 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 703 exceeds the minimum score of 680, 23 points.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 26 months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have verified post- closing reserves of $36,806.59; per underwriter conditions, $5,290.92 is required for 6 months subject PITI<br>|
| 2C1DBEF6-3134-48E5-886D-CE9F01AF3C38 | XXXXXX | FL | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Credit | Income/Employment | Satisfied | D<br> A | D<br> A | CRDINC2340 | Employment verification does not meet guidelines | No | Guidelines require all borrowers should have a two-year history of receiving stable income from employment or provide a Letter of Explanation as why they do not meet the required length of time. | 08/14/2019 Lender response: Please see 1003 and income documentation which supports two year history of receiving income for B2, file "XXX"08/14/2019 Clayton reviewed lender response, with documentation. | 08/14/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on his job 4 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 703 exceeds the minimum score of 680, 23 points.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 26 months mortgage history with no late pays.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have verified post- closing reserves of $36,806.59; per underwriter conditions, $5,290.92 is required for 6 months subject PITI<br>|
| 454B9A53-568A-4E22-801B-4AF168055246 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt<br> C<br> A | A | A<br> C | A | A | Credit | Terms/Guidelines | Satisfied | C<br> A | C<br> A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provied 12 month Mortgate history for Primary residence(s). | 08/14/2019 lender response: XXX just closed XXX so no payment was due. XXX was owned Free & Clear. The payments for XXX (cross collateralized with XXX) are in the bank statements under XXX. Please see documentation supporting 12 month mortgage history, file "XXX"08/14/2019 Clayton reviewed lender response with documentation. | 08/14/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines: Per the matrix, the minimum credit score required was 680. The qualifying credit score for the borrowers was 777.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX LTV; Program max A grade R/T 80 LTV.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 16 yrs in profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 24+ months in PITI reserves. Program requires none.<br>|
| 454B9A53-568A-4E22-801B-4AF168055246 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt<br> C<br> A | A | A<br> C | A | A | Credit | Terms/Guidelines | Satisfied | C<br> A | C<br> A | CRDTER3124 | Loan documents do not meet guideline requirements | No | Provide evidence of Rental Income for the follwoing properties per Giudeline requirements: XXX | 08/14/2019 lender response: Please see LOE regarding receipt of rental income along with the XXX, XXX & XXX bank statements for XXX. File, "XXX"08/14/2019 Clayton reviewed lender response with documentation. | 08/14/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines: Per the matrix, the minimum credit score required was 680. The qualifying credit score for the borrowers was 777.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX LTV; Program max A grade R/T 80 LTV.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 16 yrs in profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 24+ months in PITI reserves. Program requires none.<br>|
| A39CF756-DABF-4C07-B020-B35F42165885 | XXXXXX | IL | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Credit | Legal Documents | Satisfied | D<br> A | D<br> A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Missing final HUD-1/Closing Disclosure. | 08/22/2019 lender response: Please see file "XXX".08/22/2019 Clayton reviewed lender response, with executed Master Statement | 08/22/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: All creditors reflect paid as agreed in past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score is 700 for the top tier - borrower's mid score is 749<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at primary for over 2 years (resides with grandmother - rent free)<br>|
| F74EEF02-A220-48A1-875D-5088605B4E6E | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 780 mid score; program min for 75 LTV cash out is 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: With cash out funds 10+ mos. in PITI Reserves for Subject. Program requires none.<br>|
| D310E561-CFAB-4EA6-A8B9-33898C713E7B | XXXXXX | CO | (No Data) | ATR/QM: Exempt<br> B<br> A | A | A<br> B | A | A | Credit | LTV/CLTV | Active | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV Exception of 5% or 2 point Credit Score exception required. Max LTV Cash Out DSCR program with 678 Credit Score XX%. Loan closed XX%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $208,731.41 Post Close Reserves, 45.09 months, no reserves required per Rate Sheet<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 12 years at current residence.<br>|
| 3F0D2F20-2CC3-4AB5-9F99-FAED2343D372 | XXXXXX | FL | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A | Property Valuations | Appraisal | Satisfied | N/A | N/A | PRVAAPPR5331 | Most Recent Confidence Score under 90% or over .1300 | No | Confidence Score is below 90% tolerance | 6.5.20: CDA provided that supports the appraised value. | 6.5.20: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $101,735.92 from transactions - Reserves are not required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Per CBR dated XXX Bwr Mid score 680, Minimum per matrix 600<br>|
| 922E51BF-51BC-4C68-94C7-E77115B74388 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 5 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 5 years.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower has additional documented XXX income not used to qualify<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying score of 675 exceeds minimum required per guidelines of 640.<br>|
| A33FC36A-BEA8-4F21-8C11-30815773715B | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | DTI | Active | B | B | CRDDTI187 | Debt Ratio > 50% | No | per guideline, max DTI is 50% (up to 55%) on a case by case basis. Transaction DTI is XX%. | 12/03/2019 lender response: Please see Loan Exception Form, file "XXX"12/03/2019 Clayton reviewed lender response, with Loan Exception Request for DTI Exception of 0.45% | 12/03/2019 Clayton Final Grade B due to Non-Material Issue. | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per the credit report, borrower has had no mortgage related occurrences in the most recent 24 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Per guideline, max LTV 80%; Transaction LTV is XXX%.<br>|
| A33FC36A-BEA8-4F21-8C11-30815773715B | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Income/Employment | Satisfied | D<br> A | D<br> A | CRDINC2408 | Income verification does not meet guidelines | No | Missing Verification of Employment or documentation of a 2 year employment history. Per guideline, 2 year income documentation is required (YTD paystub and prior 2 years W2). Borrower XXX W2 income total is $8250 but borrower XXX annual salary is $51000. Evidence of other employment for XXX or explanation of this significant increase in income was not provided. There is no Verification of Employment present in the file. | 12/03/2019 lender response: We had documentation of a 2 year employment history in the file (YTD paystub and prior 2 years W2 were provided). 1003 was a typo and should have reported 2 years with current employer not 20. Borrower started her job with current employer XXX. Please see Verbal VOE and letter of explanation for significant increase in income, file "XXX" | 12/03/2019 Exception satisfied | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per the credit report, borrower has had no mortgage related occurrences in the most recent 24 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Per guideline, max LTV 80%; Transaction LTV is XXX%.<br>|
| 2F386B96-BC29-425A-B42C-9B40079FE956 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> B<br> A | B | B<br> A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID3730 | TRID - Error #2 discovered on Closing Disclosure | No | Numeric Non Material ErrorCD XXX - Other costs - section F - 6 months property taxes collected disclosed as $1860.00. Monthly property taxes are $281.92 x 6 = $1685.52. This is a difference of $175.16. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Current LTV at XXX with max allowable at 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence/subject for 14 years<br>|
| 2F386B96-BC29-425A-B42C-9B40079FE956 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> B<br> A | B | B<br> A | B | B | Credit | Application | Satisfied | B<br> A | B<br> A | CRDAPP2658 | Missing 3rd-party anti-fraud report | No | Loan file is missing 3rd party anti-fraud report | 1/28/2020: Lender provided Fraud report | 1/28/2020: Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Current LTV at XXX with max allowable at 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence/subject for 14 years<br>|
| 9DA22C31-A23A-492D-889C-8FFAC8E5FFE9 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> B<br> A | B | B<br> A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID4463 | TRID - Assumption selection on the CD does not match the clause in the mortgage. | No | Non Numeric ErrorCD XXX Loan disclosure assumption does not match Note/rider. | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Median score 666, good credit history. Minimum required is 640.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Low XXX% LTV. With max allowable at 80%<br>|
| C3B569E5-EF20-4AFF-9DCC-817533F155DC | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Guidelines allow for an LTV of up to 85%; subject transaction has an LTV of XXX%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived in current residence for 16 years.<br>|
| DF4AEE95-49B3-4A78-8179-73D37BA0248F | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> B<br> A | B | B<br> A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID4463 | TRID - Assumption selection on the CD does not match the clause in the mortgage. | No | Non Numeric ErrorCD XXX Loan disclosure assumption does not match Note/rider. | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Proceeds to the borrower: $45,261.12. No reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: over 25 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% /80% max<br>|
| BA6BFB1C-286F-49C4-96D7-FBFE295DDBE8 | XXXXXX | ID | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | B | B<br> C<br> A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID4463 | TRID - Assumption selection on the CD does not match the clause in the mortgage. | No | Non Numeric ErrorCD: XXX-1 Loan Disclosure - assumption does not match Note/Rider | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Maximum DTI 50%, borrowers DTI 14.11%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves after closing, $32,915.95, over 27 months PITI reserves; no reserves required for program<br>|
| BA6BFB1C-286F-49C4-96D7-FBFE295DDBE8 | XXXXXX | ID | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | B | B<br> C<br> A | B | B | Credit | Income/Employment | Satisfied | C<br> A | C<br> A | CRDINC2488 | Verbal verification of employment missing | No | Missing verification that borrower is 100% owner of business, XXX; Need for employment verification and also due to using business funds; Borrower has a letter stating use of business funds will not affect business, along with 2 months business statements, but nothing in file verifies his ownership and % of ownership | 12/04/2019 lender response: Borrower is 50% owner of the business. Please see business licenses, letter stating use of business funds will not affect business, and 2 months business statements. File, "XXX" | 12/04/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Maximum DTI 50%, borrowers DTI 14.11%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves after closing, $32,915.95, over 27 months PITI reserves; no reserves required for program<br>|
| BA6BFB1C-286F-49C4-96D7-FBFE295DDBE8 | XXXXXX | ID | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | B | B<br> C<br> A | B | B | Credit | Terms/Guidelines | Satisfied | C<br> A | C<br> A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Credit report shows borrower was/is paying XXX; Need copy of XXX and XXX verifying if borrower has any further obligations and that the XXX has expired | 12/04/2019 lender response: Borrower continues to pay XXX. Please see bank statement which reflects borrower pays $400.11 per month, and updated loan approval which reflects the XXX added to the DTI Ratios. File "XXX" | 12/04/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Maximum DTI 50%, borrowers DTI 14.11%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves after closing, $32,915.95, over 27 months PITI reserves; no reserves required for program<br>|
| 6EA3FDC3-4974-488F-AB8D-77A953D1B8BC | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower s qualifying credit score is 743; minimum required per guideline is 720.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per Final 1003, borrower has been XXX as XXX, for 6 yrs.<br>|
| C19A84A3-3439-4543-B9C4-C8502263E570 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> B<br> A | B | B<br> A | B | B | Compliance | Texas Home Equity | Active | B | B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Current LTV at XXX% with max allowable at 75%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per the credit report, borrower has not had any mortgage related occurrences in the most recent 2 years.<br>|
| C19A84A3-3439-4543-B9C4-C8502263E570 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> B<br> A | B | B<br> A | B | B | Compliance | Texas Home Equity | Active | B | B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42 Title Endorsement | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Current LTV at XXX% with max allowable at 75%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per the credit report, borrower has not had any mortgage related occurrences in the most recent 2 years.<br>|
| 45DB5893-CD20-4C07-963D-844B6ADF3521 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | Texas Home Equity | Satisfied | B<br> A | B<br> A | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | 2.27.2020 Client provided letter from their counsel that was reviewed by our internal compliance review department. Loan deemed rate/term. | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing funds of $134,357.58 represent 13 months of reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Representative DTI of 28.68% is 21% below the 50% allowed per guidelines.<br>|
| 45DB5893-CD20-4C07-963D-844B6ADF3521 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | Texas Home Equity | Satisfied | B<br> A | B<br> A | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | 2.27.2020 Client provided letter from their counsel that was reviewed by our internal compliance review department. Loan deemed rate/term. | 2.27.2020 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing funds of $134,357.58 represent 13 months of reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Representative DTI of 28.68% is 21% below the 50% allowed per guidelines.<br>|
| 45DB5893-CD20-4C07-963D-844B6ADF3521 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | Texas Home Equity | Satisfied | C<br> A | C<br> A | CMPTXHE324 | TX Equity - Security instrument on wrong form | No | Security instrument is on form 3044. The security instrument should be on a Home Equity Security Instrument 3044.1 as loan is cash out. | 1.29.2020 Client responded: DISAGREE - Security Instrument is Accurate. This is not a "Cash Out" Refinance. Please see PCCD where Borrower brought Cash to Close, file "XXX"1.29.2020 - Clayton response: Borrower is paying off a first and second mortgage. Per title second mortgage was not taken out at the time of purchase which makes the transaction a cash out refinance.2.7.2020 Client responded: DISAGREE: Texas Legal Counsel advised loan could be transacted as a rate/term refinance with borrower executed affidavit stating the subject property was not declared their homestead when the XXX bond was attached to the title (see attached executed affidavit signed at closing), file "XXX".2.7.2020 sent to internal compliance review for guidance. CN2026 | 2.7.2020 exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing funds of $134,357.58 represent 13 months of reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Representative DTI of 28.68% is 21% below the 50% allowed per guidelines.<br>|
| 45DB5893-CD20-4C07-963D-844B6ADF3521 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | Texas Home Equity | Satisfied | C<br> B | C<br> B | CMPTXHE108 | TX Equity - Total fees greater than the allowable cap | No | Adjusted Charges are $XXX; Maximum charges allowed - $XXX. Maximum charges exceeds allowable by $XXX.Maximum charges cannot exceed 2%. Charges exceed maximum by XXX%.Lender provided TX High Costs work sheet that states it is not a high costs loan with the reason stated: Texas High Cost Home Loan Law applies only to loans not exceeding $XXX. Loan amount for this transaction is $XXX. | 1.29.2020 - Client responded: DISAGREE - This is not a Texas 50 (a) (6) refinance. Loan was submitted as a Texas 50 (a) (4) and closed as such; "2%" threshold does not apply. See Final Closing Disclosure as Borrower brought in cash, No Cash Out. 1.29.2020 - Clayton response: Borrower is paying off a first and second mortgage. Per title second mortgage was not taken out at the time of purchase which makes the transaction a cash out refinance.2.7.2020 Client responded: DISAGREE: Texas Legal Counsel advised loan could be transacted as a rate/term refinance with borrower executed affidavit stating the subject property was not declared their homestead when the XXX bond was attached to the title (see attached executed affidavit signed at closing), file "XXX".2.7.2020 sent to internal compliance review for guidance. CN20262.27.2020 Client provided letter from their counsel that was reviewed by our internal compliance review department. Loan deemed rate/term. | 2.27.2020 exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing funds of $134,357.58 represent 13 months of reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Representative DTI of 28.68% is 21% below the 50% allowed per guidelines.<br>|
| 45DB5893-CD20-4C07-963D-844B6ADF3521 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | Texas Home Equity | Satisfied | D<br> A | D<br> A | CMPTXHE114 | TX Equity - Missing Notice Concerning Extensions of Credit (12-Day) | No | Missing 12 day notice concerning extensions of credit. | 1.29.2020 - client responded: DISAGREE - Notice concerning Extensions of Credit (12-Day) not required on Texas 50 (a) 4 rate and term refinance.1.29.2020 - Clayton response: Borrower is paying off a first and second mortgage. Per title second mortgage was not taken out at the time of purchase which makes the transaction a cash out refinance.2.7.2020 Client responded: DISAGREE: Texas Legal Counsel advised loan could be transacted as a rate/term refinance with borrower executed affidavit stating the subject property was not declared their homestead when the XXX bond was attached to the title (see attached executed affidavit signed at closing), file "XXX".2.7.2020 sent to internal compliance review for guidance. CN20262.27.2020 Client provided letter from their counsel that was reviewed by our internal compliance review department. Loan deemed rate/term. | 2.27.2020 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing funds of $134,357.58 represent 13 months of reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Representative DTI of 28.68% is 21% below the 50% allowed per guidelines.<br>|
| 45DB5893-CD20-4C07-963D-844B6ADF3521 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | Texas Home Equity | Satisfied | D<br> A | D<br> A | CMPTXHE117 | TX Equity - Missing Affidavit of Fair Market Value | No | Missing Affidavit of Fair Market Value | 1.29.2020 Client responded: DISAGREE - Affidavit of Fair Market Value not required on Texas 50 (a) 4 product.1.29.2020 - Clayton response: Borrower is paying off a first and second mortgage. Per title second mortgage was not taken out at the time of purchase which makes the transaction a cash out refinance.2.7.2020 Client responded: DISAGREE: Texas Legal Counsel advised loan could be transacted as a rate/term refinance with borrower executed affidavit stating the subject property was not declared their homestead when the XXX bond was attached to the title (see attached executed affidavit signed at closing), file "XXX".2.7.2020 sent to internal compliance review for guidance. CN20262.27.2020 Client provided letter from their counsel that was reviewed by our internal compliance review department. Loan deemed rate/term. | 2.27.2020 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing funds of $134,357.58 represent 13 months of reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Representative DTI of 28.68% is 21% below the 50% allowed per guidelines.<br>|
| 262EADCE-6F1A-404D-BEE7-BAC687131608 | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been XXX 20 years and B2 has been XXX over 10 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 13 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50%, borrowers DTI 40.61%<br>|
| 264034C1-A4F2-467A-9C81-B930A30BCA95 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Subject LTV XXX%; maximum LTV allowed per guideline is 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have $41,919.78 verified post closing assets, or 20.70 months PITI reserves; 0 months PITI reserves required per guideline.<br>|
| 95697803-C793-4601-83C9-9A1312FEB1A0 | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Current LTV XXX% Below max allowable 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid Score 788 with minimum score per matrix 640 to 75& for cash out<br>|
| E285DE3B-9AA2-4068-8AE3-86576A6F0C61 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID4463 | TRID - Assumption selection on the CD does not match the clause in the mortgage. | No | Non Numeric Error - CD:XXX, CD XXX- Assumption does not match Note/Rider | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX LTV; Program max is 90 LTV.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6+ months in PITI reserves. 80 LTV has no reserve requirement.<br>|
| E285DE3B-9AA2-4068-8AE3-86576A6F0C61 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D<br> A | D<br> A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller CD missing | 12.17.19 - Client provided seller CD | 12.17.19 - Exception satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX LTV; Program max is 90 LTV.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6+ months in PITI reserves. 80 LTV has no reserve requirement.<br>|
| E285DE3B-9AA2-4068-8AE3-86576A6F0C61 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Terms/Guidelines | Active | B | B | CRDTER127 | Payment shock does not meet guidelines | No | Guides for payment shock are 3 x the departure: $900 x 3 = $2,700. Current PITIA at $2,934.08 | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX LTV; Program max is 90 LTV.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6+ months in PITI reserves. 80 LTV has no reserve requirement.<br>|
| AE6CD2C0-11C4-49EF-9FCD-F603823A6FEF | XXXXXX | ID | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: CB has been at current residence for 31 years<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have an excellent mortgage history, 1st mortgage 0 late payments in 99 months and 2nd mortgage 0 late payments in last 12 months<br>|
| 61CC8C97-C25E-4B04-A42E-E61576EF8E5A | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Representative LTV of XXX% with max allowable at 85%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history in file reflects no late payments within the past 24 months.<br>|
| 937D9145-117C-4C5E-ABCC-5C636E146FE5 | XXXXXX | FL | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: ASSETS:Verified amount of $148,075.08CTC: $XXXPost close reserves of $66,59.49, No reserves required.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per VOM and cancelled checks reviewed, borrower has not had any mortgage related occurrences in the most recent 24 months.<br>|
| F0DF7AC2-F6A9-4D28-AE4A-25C7236B90CE | XXXXXX | FL | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Proceeds to the borrower in the amount of $XXX. No reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV OF XXX% is below guideline requirement maximum of 75%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past two years.<br>|
| 3C16D5D4-FF33-4995-A30F-6D325B8F0209 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | Property Valuations | Appraisal | Satisfied | N/A | N/A | PRVAAPPR5331 | Most Recent Confidence Score under 90% or over .1300 | No | Confidence Score is below 90% tolerance | 6.5.20: CDA provided that supports the appraised value. | 6.5.20: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned property since XXX.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers business XXX was established XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have verified post-closing reserves of $8052.77; per guidelines $0 reserves are required.<br>|
| 3DE250D7-6296-42F1-8027-107E45E36F29 | XXXXXX | IL | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A | Property Valuations | Appraisal | Satisfied | N/A | N/A | PRVAAPPR5331 | Most Recent Confidence Score under 90% or over .1300 | No | AVM with Confidence score of 86%. Please provide Desk Review. (XXX) | 6.1.20 - Updated AVM provided from XXX but Confidence score is over the allowed 0.130 at 0.177.6.5.20: XXX provided that supports the appraised value. | 6.1.20 - Exception remains.6.5.20: Exception satisfied. | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per the credit report borrower has 6 open mortgages and has not had any mortgage related occurences in the most recent 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Per guideline the max credit score is 760; borrower representative FICO is 790.<br>|
| 857675C9-0246-40A3-947C-97BACBF4395B | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Compliance | Texas Home Equity | Satisfied | C<br> B | C<br> B | CMPTXHE119 | Texas Equity - Affidavit of Fair Market Value not signed by lender | No | Affidavit of Fair Market Value not signed by lender | 12.11.19- Client provided Affidavit of Fair Market Value signed by lender. | 12.11.19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived in current residence for 20 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job 18.8 years.<br>|
| 857675C9-0246-40A3-947C-97BACBF4395B | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support the original appraised value of $xxx | 12/10/2019 lender response: Please see AVM, file "xxx"12/10/2019 Clayton reviewed AVM, dated xxx, with Estimated Value of $xxx | 12/10/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived in current residence for 20 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job 18.8 years.<br>|
| F4531E07-734E-475E-8463-206DA6844624 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Initial CD in file is dated xxx without proof of delivery, no signature/e-signature. Loan consummated on xxx, before end of the waiting period. | 12.4.19 - Client responded: DISAGREE: Please see initial Closing Disclosure and XXX eCertificate indicating the document was created, started, consented, viewed and completed all on xxx, file "xxx".12.4.19 - Clayton reviewed initial CD issued xxx and confirmation of receipt from borrower. | 12.4.19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum required credit score is 720 with the current score at 735<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Current LTV at XXX% with max allowable at 85%.<br>|
| A7D92A4B-9F5F-4809-BBC3-0E799FB4E863 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> B<br> A | B | B<br> A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID4463 | TRID - Assumption selection on the CD does not match the clause in the mortgage. | No | Non Numeric ErrorCD xxx Loan disclosure assumption does not match Note/rider. | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5 years with business<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at current residence<br>|
| 4CE20EC2-13FB-4D2B-B6E6-FCC71FDBF331 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> B<br> A | A | A<br> B | A | A | Credit | LTV/CLTV | Active | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Per loan documents/approval this is a cash out refinance with fico of 656 and per guidelines max ltv is as follows; Cash-out Refi XX% LTV (680 FICO, otherwise 80%) | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum required credit score is 640 with the current score at 656<br>|
| 58CB9F87-02CC-401C-ABBB-C988D8C440EA | XXXXXX | TX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per the credit report borrower has several mortgages and has not had any mortgage related occurrences in the most recent 24 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI per guideline cannot exceed 85%; Transaction DTI is 80%.<br>|
| 68388CF5-32FC-4EBE-9804-291A29D44625 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> B<br> A | B | B<br> A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID3716 | TRID - Curable issue related to the Closing Disclosure in file | No | Not all fees paid by seller are disclosed on borrower CD.Can satisfy as validated with seller CD. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5 years on job<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>|
| 68388CF5-32FC-4EBE-9804-291A29D44625 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> B<br> A | B | B<br> A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | Non Numeric ErrorCD XXX and XXX - Other costs - section H - real estate commission on line 02 does not list who fee is payable to. | (No Data) | (No Data) | Hybrid | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5 years on job<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>|
| 68388CF5-32FC-4EBE-9804-291A29D44625 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> B<br> A | B | B<br> A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID4463 | TRID - Assumption selection on the CD does not match the clause in the mortgage. | No | Non Numeric ErrorCD xxx and xxx - Loan disclosure - assumption does not match note/rider. | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5 years on job<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>|
| F21CA58C-CAB8-48AB-B163-419A987FFB67 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Seller CD and Borrower Final CD provided buy only Seller CD reflects Real Estate Commissions fees | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good repayment history<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 28.46 is below guideline requirement of 50<br>|
| CEDE2A87-4EA3-4A72-AB30-F59DE728A608 | XXXXXX | NV | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum required credit score is 700 with the current score at 713<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Current LTV at XXX% with max allowable at 80%.<br>|
| 9069C7A5-BD31-497E-8901-B37A809F3B49 | XXXXXX | FL | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR175 | Missing Review Appraisal required per guidelines | No | Provide the updated valuationsupporting the appraised value of $XXX as required by guidelines. | 12/11/2019 lender response: Please see AVM, file "XXX".12/11/2019 Clayton reviewed lender response, with AVM, dated XXX, with Estimated Value of $XXX. | 12/11/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Fico score used 744<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Credit report shows no late payments and occurrences.<br>|
| D0674952-DD7F-43B3-8346-B93B2F755D1F | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per the credit report, borrower has not had any mortgage related occurences in the most recent 24 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: ASSETS: Verified statements in file $142,003.69, with $62,585.34 reserves.Guidelines require $13,279.56.<br>|
| 9FAFFC9A-33AD-4D91-B401-D19C570D85F0 | XXXXXX | WI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> B<br> A | B | B<br> A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID4463 | TRID - Assumption selection on the CD does not match the clause in the mortgage. | No | Non Numeric ErrorCD xxx Loan disclosure assumption does not match Note/rider. | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash back to borrower in the amount of $28,476 represent 25 months of reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Representative DTI of 18.11% is 32% below the 50% maximum allowed per guidelines.<br>|
| 9FAFFC9A-33AD-4D91-B401-D19C570D85F0 | XXXXXX | WI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> B<br> A | B | B<br> A | B | B | Credit | Credit/Mtg History | Active | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Lender's guidelines require 3 acceptable trade lines aged to a minimum of 2 years for LTV greater than 70%; credit report shows no open trade lines. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash back to borrower in the amount of $28,476 represent 25 months of reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Representative DTI of 18.11% is 32% below the 50% maximum allowed per guidelines.<br>|
| 962010E8-78B0-4664-A3EC-23080EA3B824 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | Property Valuations | Appraisal | Satisfied | N/A | N/A | PRVAAPPR5331 | Most Recent Confidence Score under 90% or over .1300 | No | AVM with Confidence score of 83%. Please provide Desk Review. (XXX) | 6.1.20 - Updated AVM was provided from XXX with a Confidence Score of 0.092 which is under the maximum allowed of 0.130. | 6.1.20 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing funds of $36,448.98 represent 30 months of reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Representative DTI of 36.70% is 14% below the 50% allowed per guidelines.<br>|
| B6A93508-C796-4F38-8590-944573973EDC | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | Texas Home Equity | Satisfied | C<br> B | C<br> B | CMPTXHE119 | Texas Equity - Affidavit of Fair Market Value not signed by lender | No | Affidavit of fair market value not signed by lender | 2.24.2020 - Client provided affidavit of fair market value signed by lender. | 2.24.2020 exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Representative DTI of 40% is 10% below the 50% allowed per guidelines.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Representative LTV of XXX% is XXX% below the 80% allowed per guidelines.<br>|
| B6A93508-C796-4F38-8590-944573973EDC | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Credit | Credit/Mtg History | Active | C<br> B | C<br> B | CRDCRMH148 | Credit report stale dated at closing | No | Note dated XXX and CBR dated XXX - Per guidelines CBR is to be no more than 90 days at closing - XXX - XXX is 91 days. Provide CBR within guidelines | 2/21/2020: Lender provided Sr Mngr exception for CBR at 91 days - Guidelines require the CBR to be 90 days at closing exceeding the guideline02/25/20: Upon further review, credit report exceeds guide by only 1 day. variance is considered non-material and appropriately graded | 2/21/2020; Exception remains02/25/20: Exception remains | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Representative DTI of 40% is 10% below the 50% allowed per guidelines.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Representative LTV of XXX% is XXX% below the 80% allowed per guidelines.<br>|
| 6BFCDCF8-15FA-41D7-89ED-2EC4ED853192 | XXXXXX | NV | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 731 credit score is > 720 credit score minimum<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.67% DTI <50%guideline max<br>|
| 84E14C8F-0532-43DD-BF8A-87333049689E | XXXXXX | AZ | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Guidelines allow for a maximum LTV of 75%. The final LTV is XXX% which is XXX% below the maximum LTV.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Guidelines require a minimum credit score of 640. Final credit score of 675 is 35 points over the required minimum<br>|
| 15F29BCD-224A-4BF3-BEC5-9283D0557FCA | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> B<br> A | B | B<br> A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID4463 | TRID - Assumption selection on the CD does not match the clause in the mortgage. | No | Refers to all CDs: Loan Disclosure disclosed loan as will not allow assumption of this loan on the original terms. However, ARM rider terms will allow for assumption upon certain conditions. | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score OF 739 exceeds guideline minimum of 720.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX is below guideline requirement maximum of 80.<br>|
| 61245013-93E4-412E-B035-B8D638C1D3F0 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX LTV Program max is 85 LTV.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for 10 yrs.<br>|
| 45456F3F-59F6-4699-A13D-99BD96B9D67D | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS3836: Borrower Net Worth<br> - Clayton Comments: Borrower Net Worth per final 1003 $742,355.84<br>|
| 28EB3E36-1ED5-451C-836C-418C24E8B8E2 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | A | A<br> D | A | A | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | No | Missing the 2nd appraisal dated XXX per Lender notes in the file, 2nd appraisal required for loan amount > 1,500,000, provide updated appraisal | 1/10/2020: Lender provided original Appraisal dated XXX and updated appraisal dated XXX | 1/10/2020: Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash from transaction $XXX or 30.75 months, reserves requirement 6 months PITI.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: CBR mid score 772 with minimum score per guidelines 720 Grade A+<br>|
| 9974BE17-5C27-4C80-B5AA-5D9A19CB7FCB | XXXXXX | IL | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 19 years<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 2 mortgages, both verified on credit for 82 months, 0 late payments<br>|
| C09A70A0-80F0-40E7-A49E-B7D1797A2E6F | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | Property Valuations | Appraisal | Satisfied | N/A | N/A | PRVAAPPR5331 | Most Recent Confidence Score under 90% or over .1300 | No | AVM with Confidence score of 88%. Please provide Desk Review. (XXX) | 6.1.20 - Updated AVM provided from XXX but Confidence score is over the allowed 0.130 at 0.136.6.5.20: CDA provided that supports the appraised value. | 6.1.20 - Exception remains.6.5.20: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per verbal and written VOE, B1 has been with his present employer for over 30 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned present primary since XXX.<br>|
| 070AEED0-2381-48EC-A85D-73AF2B56DED8 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> B<br> A | B | B<br> A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Active | B | B | CMPTRID4463 | TRID - Assumption selection on the CD does not match the clause in the mortgage. | No | Non Numeric ErrorCD xxx Loan Disclosure Assumption does not match Note/product. | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 30 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Credit Report shows 0 x 30 for 82 months.<br>|
| 1C1AC1F0-1FA1-471F-A667-1B3313E5D01D | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> B<br> A | A | A<br> B | A | A | Credit | Assets | Satisfied | B<br> A | B<br> A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | For account ending XXX, last statement activity ends on XXX with a closing balance of $395.48; current transaction history beginning balance as of XXX is $10,469.86. Transaction history does not provide a running balance. Missing history from XXX-XXX. | 1/28/2020: updated XXX statement | 1/28/2020; Exception satisfied | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history excludes a rental period between homes. There have been no mortgage related occurences from XXX to XXX and XXX to present.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Existing PITI totals $7,312.88 monthly; transaction PITI reduces monthly expense to $4,549.59.<br>|
| 1C1AC1F0-1FA1-471F-A667-1B3313E5D01D | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> B<br> A | A | A<br> B | A | A | Credit | Assets | Satisfied | B<br> A | B<br> A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | RESERVE CALCULATION:Subject: $4,549.59 PITI x 3 months = $13,648.77. Post close reserves of $7,423.19, guidelines require $13,648.77 | 01/23/20: Exception is deemed non-material and downgraded appropriately1/28/2020: XXX program does not require reserves on file with LTV < 85% | 01/23/20: Exception remains1/28/2020; Exception satisfied | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history excludes a rental period between homes. There have been no mortgage related occurences from XXX to XXX and XXX to present.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Existing PITI totals $7,312.88 monthly; transaction PITI reduces monthly expense to $4,549.59.<br>|
| 9AE4E20F-8FD2-4E20-932B-AD70BFC23FEF | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified funds of $96,046.89 represent 70 months of reserves.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Representative LTV of XXX% is XXX% below the 85% allowed per guidelines.<br>|
| 7E7978CD-4E3F-4E86-ACB5-D09BFB2292A4 | XXXXXX | TX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX% below guideline requirement maximum of 80%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past two years.<br>|
| BC90A295-F19E-4654-9B6C-B4ECDE76E80E | XXXXXX | TX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 19 years XXX<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned in lived in current residence over 15 yrs<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 75%, borrower LTV XXX%<br>|
| 9BC3C73E-DF8F-4157-A85F-FF44ACC448C1 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID3716 | TRID - Curable issue related to the Closing Disclosure in file | No | Added Seller Fees: XXX, Certificate of Compliance and Retrofitting Inspection/Work not reflected on borrower CD.Can satisfy as seller CD verifies. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: ASSETS:Verified amount of $336,217.17CTC: $XXXPost close reserves of $138,914.06, Borrower required to have 6 months of reserves due to payment shock FTHB without history. $5,500.16 x 6 = $33,000.96. + balance of XXX of $2,035 = $35,035.96 required reserves. Remaining reserves $103,878.10<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score requirement for mortgage grade B is 600 with the current score at 639<br>|
| DCB21B0E-E739-4845-9862-07C7D5F2BDDD | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower DTI 31.80%; maximum 50% allowed per guideline.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $49,293.75 verified post closing assets, or 66.35 months PITI reserves; 0 months PITI reserves required per guideline.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned/resided at the subject address for 49 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Subject LTV is XXX%; maximum LTV allowed per guideline is 85%.<br>|
| 40C32F15-5987-4B54-AD03-51B0D175E5B4 | XXXXXX | PA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | A | A<br> D | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID3716 | TRID - Curable issue related to the Closing Disclosure in file | No | Added Seller Fees: XXX, Conveyancing Fee, Deed Preparation, Final Water/Sewer, Judgment (3), Real Estate Commission (B) and Real Estate Commission (S) not reflected on borrower CD.Can satisfy as seller CD provided. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below requirement: Per the matrix, the max DTI was 50.00%. The loan closed with a DTI of 17.18%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 678 exceeds guideline minimum of 640.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 20 years.<br>|
| 40C32F15-5987-4B54-AD03-51B0D175E5B4 | XXXXXX | PA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | A | A<br> D | A | A | Credit | Income/Employment | Satisfied | C<br> A | C<br> A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Doc Type is 12 month personal bank statements and requires documentation supporting existence of the business for past two years. Verification of two years for business is missing from file. | 12/24/2019 lender response: Please see letter from XXX as acceptable evidence of XXX, file "XXX" | 12/24/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below requirement: Per the matrix, the max DTI was 50.00%. The loan closed with a DTI of 17.18%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 678 exceeds guideline minimum of 640.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 20 years.<br>|
| 40C32F15-5987-4B54-AD03-51B0D175E5B4 | XXXXXX | PA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | A | A<br> D | A | A | Credit | Terms/Guidelines | Satisfied | D<br> A | D<br> A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender approval for 12 months personal bank statements. Lender approval in file indicates business bank statements. | 12/24/2019 lender response: Please see Loan Approval reflecting 12 months personal bank statements, file "XXX" | 12/24/2019 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below requirement: Per the matrix, the max DTI was 50.00%. The loan closed with a DTI of 17.18%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 678 exceeds guideline minimum of 640.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 20 years.<br>|
| 188F674D-199D-4490-AEB5-C46ADB5D5ECF | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has owned his business for 18 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Ltv of XXXis below max per guidelines of 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Dti of 37.23% is below max per guidelines of 50%<br>|
| C4DD6106-3D31-42EF-86F2-467031D505BC | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV per matrix 80% and current LTV XXX%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: CBR reported mortgage 0x30x82<br>|
| 4A8C4E3C-8879-4D1F-8958-E3180100FF85 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 mid score. Program min for 90 LTV is 680.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for 18 yrs.<br>|
| A220F724-488E-4C1D-991B-1EB58FA827CA | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower's mortgage payment history is 0\*330\*85<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for 10 years<br>|
| 1BC334C5-C81B-412A-AB92-3D538A2F5829 | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX below guideline requirement maximum of 80.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past two years.<br>|
| F140AF22-206C-416B-8F89-049B26526185 | XXXXXX | FL | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified $574,216.14; cash reserves after closing $545,006.97, over 164 months PITIA; 0 reserves required;<br>|
| F6DC7EFC-A814-4358-B77E-19DA855FDD38 | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per the credit repor, borrower has several mortgages and has not had any mortgage related occurrences in the most recent 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Per guideline, max credit score is 720; borrower representative FICO is 731.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Per the 1003, borrower has lived at his current residence for 20 years. Per XXX residence first reported in XXX.<br>|
| 83D32E4B-5AB7-4B91-87F9-FF89587E87C4 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Ltv of XXX% is below max per guidelines for a cashout refinance of 80&<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower will have cash reserves of $192,295.92 after closing from cashout proceeds<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has owned his own company for 19 years<br>|
| 91AEC143-F52C-4EEC-97C8-F03F06EBCD21 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 85%, borrower LTV XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves after closing $103,031.57, 41.55 months PITI, no reserves required for the program<br>|
| 32246274-4F8D-41EE-9EAA-D66771E643F6 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A<br> B | A | B<br> A | A | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | N/A<br> B | N/A<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Numeric Tolerance ErrorThe following fees increased from broker LE XXX to Lender LE XXX: Credit report, Inspection Fee, Administrative, Flood cert and HOA cert fee. These fees increased by $463.00. No COC was provided disclosing the increase in fees. Borrower is due a refund of $463.00, corrected CD, LOX, and proof of delivery to borrower. | 3.12.2020 Client responded: DISAGREE - Disclosures referenced to XXX were not XXX disclosures - they were a double app to XXX. These disclosures should not have been sent for your review as they have no impact on the TRID disclosure timing XXX is subject to. Application was XXX and our initial disclosures were sent out on the third business day - XXX. Please see file "XXX".3.12.2020 sent to internal compliance review for guidance. 3.13.2020 Internal compliance review replied: Our position based on the two provisions in the TRID rule below is that the lender must abide by the brokers LE in regards to fees absent a valid COC. The main argument against that has been regarding specific authorization by the lenderfor the broker to provide it, but even in that situation the CFPB rejected theargument.1) Therefore, the Bureau is not persuaded that creditors should only be bound bythe terms of a mortgage broker-provided Loan Estimate if the creditor hasauthorized the mortgage broker to provide the Loan Estimate." 78 FR 79730,79802 (XXX).2) There is also a statement in the preamble that says, "Accordingly, theBureau is not persuaded by the arguments of some commenters that it is inappropriate to require the creditor to ensure that a mortgage broker-providedLoan Estimate complies with 1026.19(e) unless the creditor has authorized themortgage broker to provide the Loan Estimate. 78 FR at 79801. 3.20.2020 - Client provided PCCD, refund to borrower for $463, LOX and proof of delivery | 3.20.2020 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX LTV; program max is 90 LTV.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the profession for 23 yrs.<br>|
| 47118383-A0B1-4261-AB22-20F8F5D768EF | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: CB has been on current job over 17 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on current job over 8 years<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have 2 mortgages, both have excellent pay histories, past and previous histories, 0 late payments, 82 months and 10 months<br>|
| 0FFF1CF1-3DA8-4000-BE0E-5A273FF1B6F6 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 22 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been at current job for 12 years.<br>|
| DC80BF7B-001B-40F8-AAEE-96A447F25D34 | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> C<br> A | A | A<br> C | A | A | Credit | Application | Satisfied | C<br> A | C<br> A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing Co-Borrower fraud report | 2/20/2020: No Co-Bwr - Title in business name XXX (Authorized signer) | 2/20/2020: Exception cancelled | Not Applicable | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been XXX in same profession for over 20 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 28 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 70%, borrower LTV XXX%<br>|
| 3940B26B-9E78-4C4C-8841-01016CA5D5E2 | XXXXXX | WA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 811 mid fico score; Program min for 75LTV is 660.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: No mtg lates in the past 99 months.<br>|
| A54BC9EA-B62E-4711-85D5-A5D44850E9E0 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX LTV; Program max is 85 LTV.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for 30 yrs.<br>|
| 760393B9-C0D2-40D4-A205-1ECDBC02E0DE | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: over 21 years on current job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50%, borrower DTI 32.33%<br>|
| 4E134020-C238-432A-8AA2-456879BDD011 | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX% is below the maximum allowable LTV of 75%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report shows 3 mortgages, one closed, with no derogatory information.<br>|
| 35DA631A-8C64-496A-AFBC-E280F505D8CA | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves after closing $57,601.17, over 106 months PITIA; no reserves required for program<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower DTI 29.83%, max DTI 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 85%, borrower LTV XXX%<br>|
| C9B025A7-6D68-456D-B6FF-6DAD972844F7 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Guidelines require a minimum credit score of 680 for a loan amount <$1mm<90% LTV. Final credit score of 712 is 32 points over the required minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Guidelines allow for a maximum LTV of 90% for loan amount <$1mm. The final LTV is XXX which is XXX% below the maximum LTV.<br>|
| 750E7379-86C7-4C39-89DA-D2F8A9932154 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX LTV; Program max is 80 LTV.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower in profession for 25yrs.<br>|
| 6D671ECA-D831-4A05-ACD3-50568F905A9E | XXXXXX | TX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 15 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report shows a mortgage with at least 4 years history with no late payments.<br>|
| 07A2F11F-78CC-4A51-8C30-069851C05E3C | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% loan to value is less than 90% loan to value.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Both borrower demonstrate A + credit rating. 0x30 mortgage credit history for past 24 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Debt to income ratio 14.78% is less than max debt ratio of 50%<br>|
| 9434C0EA-9860-4586-9BA4-0AC4E17617F9 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | A | A<br> D | A | A | Credit | Application | Satisfied | D<br> A | D<br> A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing XXX card for B2 XXX. | 2/12/2020: Lender provided updated 1003 indicating XXX and valid SSN | 2/12/2020; Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Assets calculated: $325,340.57, Assets Required: $237,102.75, Cash Reserves: $88,237.82<br>CFCFS3830: Addtional collateral with a value equal to at least 10% down payment<br> - Clayton Comments: The borrowers own an additional property at XXX with a market value of $XXX.<br>|
| 5320DDDC-8750-4E96-9F15-DE3603C18681 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 43%, borrowers DTI 24.89%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%, max LTV 85%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Guidelines require 6 months PITIA for reserves; cash reserves after closing $31,820.16 = 10.59 months reserves<br>|
| 7B21A673-F178-44E9-8210-1DF647B25073 | XXXXXX | PA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied | (No Data) | 2.21.2020 satisfy | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 4.11% is below the maximum allowable DTI of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has cash reserves of $35,157.92 or 24.93 months. No reserves are required.<br>|
| F918C537-BFC4-4BE5-A36E-E50F700C1453 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves after closing $50,115.39, over 33 months PITI; reserves not required for program<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 85%, borrower LTV XXX%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50%, borrower DTI 34.65%<br>|
| 3D69AD30-D275-4CB8-9458-F17D509BDDE9 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID3716 | TRID - Curable issue related to the Closing Disclosure in file | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | 2/4/20: Present on seller CD | 2/4/20: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX LTV; Program max is 90 LTV.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for 20 yrs.<br>|
| 6354A889-73BB-4317-B98D-BBB28B08A2BB | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX LTV; Program max is 90 LTV.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for 19 yrs.<br>|
| AB60613C-6CC0-4DE2-A84B-1099C3078DAC | XXXXXX | FL | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower's DTI of XXX% is below 70% guideline requirement.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 23 years at XXX.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 20 years at current residence.<br>|
| E28EA392-A6AB-4F30-B3A1-63E985F19758 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | The file is missing evidence that CD XXX was acknowledged by the borrower at least 3 days prior to consummation date XXX. No evidence of electronic delivery and/or document tracking for CD XXX is in the file to assume receipt. | 2.25.2020 Client responded: See attached executed CD from XXX and proof of delivery, file "XXX".2.25.2020 Clayton reviewed confirmation of receipt. | 2.25.2020 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50%, borrower DTI 10.83%<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage rated on credit report for 43 months, 0 late payments<br>|
| 7B81C475-A977-4210-8EAF-464B81726A59 | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | A | A<br> D | A | A | Credit | Assets | Satisfied | D<br> A | D<br> A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing all pages to xxx #xxx for xxx and xxx(assets needed for reserves) only page 1 provided | 2/20/2020: Lender provided xxx Statements xxx-xxx all pages | 2/20/2020: Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower at current residence 24 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been XXX 27 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 35.57%, max DTI 50%<br>|
| F8763849-B5A1-408B-85D0-5A92B622C743 | XXXXXX | WA | (No Data) | ATR/QM: Exempt<br> C<br> A | A | A<br> C | A | A | Credit | Insurance | Satisfied | C<br> A | C<br> A | CRDINSR289 | Insufficient Insurance Amount to Cover Loan Balance | No | Insurance policy for subject property "XXX" Building coverage of $XXX + Dwelling extension up to $XXX is not sufficient coverage of at least the unpaid principle balance of $XXX or estimated cost new per appraisal $XXX Policy is missing verbiage for 100% of insurable value of improvements. | 2/12/2020: HOI provided XXX page | 2/12/2020: Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0X30 on mortgage last 12 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at primary residence for most recent 20 years<br>|
| 6D81CCEF-57E5-4261-9C18-17D075298BDA | XXXXXX | FL | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 8 months in PITI reserves for Subject. Program has no reserve requirement.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 751 mid score. Program min for 80 LTV is 660.<br>|
| 972D6747-2080-433E-AB1D-723A1AC5B8A5 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID3716 | TRID - Curable issue related to the Closing Disclosure in file | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade | 2/13/20 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade | 2/13/20 Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX LTV; Program max is 90 LTV.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for 20yrs.<br>|
| 64E41A47-4E99-422C-A2EE-2A9F5FA2EB3C | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | D | A<br> D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D<br> A | D<br> A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller CD not in file | 12/7/2021 - Please see the attached document for a copy of the Final Seller CD that should satisfy the exception. 12/8/2021 - Upon further review Client provided the Seller CD. No further documentation needed for this exception. | 12/8/2021 - Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 745.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 5 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of business for 6 years.<br>|
| 24B38F9B-E79E-4994-A9C3-835C7004D00A | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current Resident for 5 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of business for 15 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment History.<br>|
| 1668A823-6645-4388-8BF0-E1744F0F46ED | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 726.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for 35 years .<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has Lived at current address for 35 years.<br>|
| A53DB7EF-A6C5-4A4F-AAD1-206C135FCEDB | XXXXXX | OR | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have more than 6 months in reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score required is 600; the borrower's FICO is 719.<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: Borriower has several rental properties.<br>|
| 7CB5BD50-0E75-46C9-BF80-B6B48BD9191C | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has ben in Line of work for over 5 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current Residence for 18 years.<br>|
| CB355AD1-F799-453E-A888-A95589A8BF8D | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for 30 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 779.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history.<br>|
| 9D3D7F93-702E-4215-B70F-9E6C8CF801E6 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 16 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of profession for 25 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: XXXMax LTV per Guideline: 80<br>|
| AEAF52E6-1A19-484F-A62F-4A258125EC2C | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | Right of Rescission | Satisfied | C<br> B | C<br> B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR transaction date is XXX with expiration date of XXX | 12/8/2021 - Please see the two attached documents for a copy of the ROR which states that we were not allowed to disburse funds until XXX and also see a copy of the Final CD that shows the disbursement date of XXX which should be sufficient to clear the exception. 12/9/2021 - Upon further review Client provided the ROR with PCCD showing correct disbursement date. No further documentation needed for this exception. | 12/9/2021 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 789<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is < 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 13 years<br>|
| F865448A-C2E8-42B7-B2B6-557CBA75F4BE | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below required guideline requirement.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines.<br>|
| 277E4A2C-8E0B-487A-90DE-08E99F849432 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | Right of Rescission | Active | B | B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | ROR in file is dated XXX with a updated expiration date of XXX Reopen Rescission and provide borrower with entire Three (3) Day rescission period | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 7.61, max DTI 50<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX, max LTV 85<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 qualifying credit score<br>|
| 277E4A2C-8E0B-487A-90DE-08E99F849432 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | Right of Rescission | Satisfied | C<br> B | C<br> B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Disbursement date is before end of statutory rescission period. ROR is dated XXX with a updated expiation of XXX | 12/9/2021 - Please see the two attached documents for a copy of the ROR that shows that we were not allowed to disburse until XXX and to also see a copy of the Final CD which shows that we did not disburse the funds until XXX. This should be sufficient to clear this exception. Thank you12/14/2021 - Upon further review client provided CD showing disbursement date of XXX which is within guidelines per the ROR. No further documentation needed for this exception. | 12/14/2021 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 7.61, max DTI 50<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX, max LTV 85<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 qualifying credit score<br>|
| 75FD5A6D-0570-422A-8B15-962E428673E4 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | A | A<br> D | A | A | Credit | Title | Satisfied | D<br> A | D<br> A | CRDTIL865 | Title incomplete | No | Title is vested in the name XXX, borrower's sister. Borrower is not on title and loan was done as a cash out refinance. Borrower has made mortgage payments since XXX. Please provide Deed transfer with borrower vested on title. | 12.10.2021 Client responded - Please see the attached document for a copy of the Final Title Policy that shows a vested interest for our borrower, XXX. This should be sufficient to clear the exception. Thank you12.10.2021 Upon further review - Client sent in copy of Final Title with Borrower vested in property. No further action required. Exception Satisfied. | 12.10.2021 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements<br>|
| 206F8B3F-0E9C-4938-80B5-38E8AEC23168 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 16.97, max DTI 50<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX, max LTV 85<br>CFCFS2860: Good credit history<br> - Clayton Comments: 812 qualifying credit score<br>|
| 2F37AF95-FF9C-476A-967F-93EBD37CA45F | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower on job for 37 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower on job for 37 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 760 is greater than 640 allowed per guidelines.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX% is below 85% allowed per guidelines.<br>|
| 9C41AC33-3B72-4258-9CE5-2A4A6DA44BC2 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on her job for 20 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in the property for 17 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit history is 0 x 30 in the last 24 months.<br>|
| 8FD75C95-8E31-40C9-B9AD-6D6F1E7A079B | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | Right of Rescission | Satisfied | C<br> B | C<br> B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Disbursement date is XXX; end of statutory rescission period is XXX. Final CD has transaction date of XXX and does not match the mortgage notary date of XXX. PCCD required with correct Transaction date and disbursement date. | 12/15/2021 - Please see the attached document for a copy of the Final CD that shows the disbursement date of XXX and a copy of the ROR that shows that we were not able to fund until XXX. Since we did not disburse until after the rescission period, this exception should be resolved. 12/15/2021 - Upon further review client provided ROR and CD showing 3 day ROR period was met. No further documentation needed for this exception. | 12/15/2021 - Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX, max LTV 80<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 714 qualifying credit score<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 9.52% credit utilization ratio<br>|
| FBF0D4C7-634B-43CB-9022-0086A965848C | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> 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 | 12/7/2021 - Please see the two attached documents to see a copy of the ROR which shows that we were not able to disburse funds before XXX and see a copy of the Final CD that shows that we did not disburse the funds until XXX. Please clear the exception. 12/8/2021 - Upon further review Client provided the ROR with PCCD showing correct disbursement date. No further documentation needed for this exception. | 12/8/2021 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 qualifying credit score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX, max LTV 85<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has 12years at current job<br>|
| A57FFD1C-11B4-4C81-A69E-080FDE20CD3C | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%. Requirement is 85% for this program<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for over 3 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: Current accounts are all current<br>|
| F7F22B77-415E-4FB4-BFC0-39B770EC47A7 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements<br>|
| 6D8981DE-2E77-47AD-B133-B31301810E92 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 808<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at home for over 22 years<br>|
| 11F6168B-077B-4268-9D8C-F132DF502796 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below the required guideline<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on job/owner for 6 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds the required guideline<br>|
| 4F1E21DE-7153-4B8A-9FFA-CBAE2D0B21F8 | XXXXXX | HI | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 qualifying credit score<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: No derogatory mortgage history past 24 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: 7.40% credit utilization ratio<br>|
| 1DE69CA0-0053-471F-AA4B-BA77BE4620C2 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is < 35%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for over 10 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been at the same job for over 15 years<br>|
| 0F569106-15A7-433C-8099-136529EC6A21 | XXXXXX | MA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>|
| F658A094-3DE5-453E-909B-FCCA3E3BB019 | XXXXXX | MA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 3 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 718.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has a good Credit History.<br>|
| 67308AA5-2BB2-48AF-88E9-7F2F2DA9BAD8 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for over 16 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1, has been in the same profession for over 43 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%<br>|
| 628CC9DF-26F6-490A-A228-5F69C580CD0E | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | D | A<br> D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> 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 XXX has an APR of XXX% while the final CD XXX has a APR of XXX%. Difference of XXX% exceeds tolerance of XXX%. | 12/27/2021 - Per 1026.22(a)(2): ''As a general rule, the annual percentage rate shall be considered accurate if it is not more than 1/8 of 1 percentage point above or below the annual percentage rate determined in accordance with paragraph (a)(1) of this section.'' However, if the overstated APR is accurate under Reg-Z , creditor is permitted to provide a revised CD at or before consummation without a new three business-day waiting period. 12 CFR 1026.19(f)(2)(i). The APR stated on the CD issued XXX was accurately based on an interest rate of 4.999%, while the APR stated on the XXX CD was based on an interest rate of 4.625%. A new three-day waiting period is not required. Please see COV-CD issued XXX where the interest rate was changed. 12/28/2021 - Upon further review Client advised that APR is accurate per 1026.22(a)(2) and that a new three-day waiting period is not required. No further documentation needed for this exception. | 12/28/2021 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 29 months in reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score required is 600 for this loan program-borrowers fico is 660.<br>|
| 628CC9DF-26F6-490A-A228-5F69C580CD0E | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | D | A<br> D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D<br> A | D<br> A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller CD for correct property not in file, Seller CD currently in file has a different property address and borrower | 12/27/2021 - Please see attached document for a copy of the Seller CD that should be sufficient to clear the exception. 12/28/2021 - Upon further review Client provided the Seller CD. No further documentation needed for this exception. | 12/28/2021 - Exception satisfied. | Not Applicable | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 29 months in reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score required is 600 for this loan program-borrowers fico is 660.<br>|
| 37BED81D-3742-4D08-9C89-E6530A148F03 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below guideline requirement<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements<br>|
| 0A9752B7-2A99-4199-AA5F-7DBCB4D152AE | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is < 10%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 8 years<br>|
| 2691D0AD-917E-426E-AE5D-A470DF260790 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> 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 | 12/16/2021 - Please see attached initial CD with receipt tracking showing CD was received and signed on XXX - almost two weeks before consummation. 12/17/2021 - Upon further review CD E-signed XXX 4 days before closing date of XXX. No further documentation needed for this exception. | 12/17/2021 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 4 years 11 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of business for 10 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 start date at current work is XXX.<br>|
| FC4EA628-5E65-4BCD-A827-CA5FBEE25D40 | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has Lived at current Residence for 19 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for 40 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 791.<br>|
| B1688318-88F3-456E-8701-FB21CC9C5707 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on job since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 738 exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Back end DTI is 28.99 % below the guideline requirement.<br>|
| 4E6C97E4-9ECD-4814-B4EA-545D5B2136D9 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has good Credit History.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of business for over 3 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV Per Guideline 80%Calculated LTVXXX<br>|
| 2F8DC8B8-C441-4015-8CDE-7B498274E336 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | D | A<br> D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> 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 XXX has an APR % of XXX. Final CD XXX has an APR % of XXX. Which is under the tolerance of XXX% in change | 11/22/2021 - 3-day CD was issued and e-signed on XXX stated an APR of XXX%; CD wet signed at closing on XXX stated an APR of XXX% - a difference of less than thr 0.125% tolerance allowed bvy Reg-Z. See enclosed copiy of each referenced CD.11/23/2021 - Upon further review client provided CD showing APR is within tolerance. Exception satisfied. | 11/23/2021 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>|
| 2F8DC8B8-C441-4015-8CDE-7B498274E336 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | D | A<br> D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D<br> A | D<br> A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller CD not in file | 12/8/2021 - Please see the attached document for a copy of the Seller CD that should be sufficient to clear the exception. 12/8/2021 - Upon further review Client provided the ROR with PCCD showing correct disbursement date. No further documentation needed for this exception. | 12/8/2021 - Exception satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>|
| ABEC5A85-33E8-412C-84D6-9E2532CB3AF6 | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for over 5 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been renting current residence for over 3 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is < 35%<br>|
| C9C1CD63-8D4A-4BB5-B3CF-8EFB7D4F9952 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current Residence for 15 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in line of work for 17 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 750.<br>|
| 2F938EC8-8C1A-4FBF-9E61-E9288B744D08 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A<br> C | D | A<br> D<br> C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D<br> A | D<br> A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller CD not in file | 12/7/2021 - Please see the attached document for a copy of the Seller CD12/8/2021 - Upon further review Client provided the Seller CD. No further documentation needed for this exception. | 12/8/2021 - Exception satisfied. | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max Loan to Value on this program is 90% and the LTV is XXX%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The required FICO is 600, our borrowers FICO is 704.<br>|
| 2F938EC8-8C1A-4FBF-9E61-E9288B744D08 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A<br> C | D | A<br> D<br> C | D | A | Property Valuations | Property | Satisfied | C<br> A | C<br> A | PRVAPROP2556 | Acreage exceeds property eligibility guidelines | No | The property is on XXX acres and the guidelines don't allow over 10 acres. Please provide a Loan Exception for the acreage. | 12.10.2021 Client responded - See XXX Guidelines dated XXX Section 15.5(c) page 107 ''Loans secured by properties located on more than ten (10) acres will be considered provided that the property is not used for agricultural purposes and may be subject to LTV restrictions.'' Underwriter and XXX Team did not deem this property to used for agricultural purposes and therefore meant all of the required guidelines and no exception was needed. Please clear the exception. 12.10.2021 Upon further review - Property is not being used as agricultural purposed. Guidelines allow for more acreage is not being used for agricultural purposes. Per appraisal property is lake front. No further action is required. Exception satisfied. | 12.10.2021 Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max Loan to Value on this program is 90% and the LTV is XXX%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The required FICO is 600, our borrowers FICO is 704.<br>|
| 48266F07-679F-445C-8035-E8BE3A8855A1 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD acknowledged at least 3 days prior to consummation | 11/11/2021 - Please see the attached document for a copy of the Initial CD that was signed on XXX and the loan was disbursed on XXX. Please clear exception as initial CD was signed more than 3 days prior to closing. 11/15/2021 - Upon further review client provided Final CD. The exception was for an Initial CD. Please provide the INITIAL CD. Exception remains.11/22/2021 - Loan closed on XXX; CD issued XXX was received and signed same date satisfying the 3 day waiting requirement. Please see attached CD with eSign Certificate. 11/23/2021 - Upon further review client provided initial CD signed XXX satisfying the 3 day requirement. Exception satisfied. | 11/15/2021 - Exception remains. 11/23/2021 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>|
| 20A688B2-1C37-40FF-8CB2-04D6D371F769 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application was taken XXX, the intiial LE was not issued until XXX. Greater than the required 3 days | 1/4/2022 - We apologize, we accidentally sent the wrong 1003 because we do not accept the 1003 dated XXX because it was already dated beyond the allowable 3 business days to send the loan estimate. Please see the attached and correct 1003 Application that should be sufficient to clear the exception. 1/5/2022 - Upon further review Lender provided correct 1003. No further documentation needed for this exception. | 1/5/2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 720 qualifying credit score<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: credit utilization ratio 27%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX, max LTV 90<br>|
| 3E78C3CC-8187-419F-891B-5EF1CBCB8099 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 786.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has no Derogatory account .<br>|
| 8A2C0EB8-00D0-449D-9161-694482853DED | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | D | A<br> D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D<br> A | D<br> A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | No Seller CD in file | 1/5/2022 - Please see the attached document for a copy of the Seller CD that should be sufficient to clear the exception. 1/5/2022 - Upon further review Lender provided the Seller CD. No further documentation needed for this exception. | 1/5/2022 - Exception Satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit report dated XXX has qualifying score of 722<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on her job for 3 years and in the same line of work for 20 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0 x 30 in the last 24 months.<br>|
| 8A2C0EB8-00D0-449D-9161-694482853DED | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | D | A<br> D | D | A | Credit | Credit/Mtg History | Satisfied | D<br> A | D<br> A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing VOR/ 12 months cancelled checks covering the last 12 consecutive months reflecting 0 x 30. | 12.17.2021 Client responded - Please see the attached document for a copy of the Request for Verification of Rent that was signed by the landlord. This should be sufficient to clear the exception. 12.17.2021 Upon further review client sent in VOR for XXX through current XXX with 0x30. No further action is required. Exception satisfied. | 12.17.2021 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit report dated XXX has qualifying score of 722<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on her job for 3 years and in the same line of work for 20 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0 x 30 in the last 24 months.<br>|
| 8A2C0EB8-00D0-449D-9161-694482853DED | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | D | A<br> D | D | A | Credit | Insurance | Satisfied | C<br> A | C<br> A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Effective date of Insurance is XXX through XXX. Per the HUD and Closing Disclosure loan disbursed XXX. Please proved updated Hazard Insurance Declaration with the correct effective date. | 12.22.2021 Client responded - Please see the attached document for a copy of the Final Hazard Insurance Policy that shows an effectiveness date of XXX which is the same date of the settlement date. This should be sufficient evidence to clear the exception. 12.22.2021 Upon further review the client sent updated Hazard Insurance Declaration with an effective date of XXX through XXX. No further action is required. Exception satisfied. | 12.22.2021 Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit report dated XXX has qualifying score of 722<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on her job for 3 years and in the same line of work for 20 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0 x 30 in the last 24 months.<br>|
| 6380EAEA-B7D5-4952-925B-5A1B687D9518 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> A | A | A<br> C | A | A | Credit | Insurance | Satisfied | C<br> A | C<br> A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Note and disbursement date is XXX while Insurance effective date is XXX, Lender needs to reissue an HOI showing coverage prior or on Disbursement date. | 11.16.2021 Client responded - Please see the attached document for a copy of the Insurance Advisory Notice to see that the insurance went into effect on XXX. Please clear the exception. 11.16.2021 Upon further review client sent in A Premium Advisory Notice showing the effective date of insurance of XXX to XXX which is sufficient. No further action is required.Exception satisfied. | 11.16.2021 Exception satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been living at current residency for 17years according to the application.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Guidelines for program require credit score of 640, borrower credit score is 766.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has cash reserves in the amount of $90,952.23.<br>|
| 6F92CBBC-9738-431B-8E6D-DD475DCFCEF3 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> A | A | A<br> C | A | A | Property Valuations | Property | Satisfied | C<br> A | C<br> A | PRVAPROP241 | Property Type unacceptable under guidelines | No | Property is rural which is not acceptable for loan program. | 11.18.2021 Client responded - XXX corporation has determined that this property is not considered a rural property. Property is located within XXX miles and XXX minutes of XXX AZ. Has 6 recent comps within the past 5-6 months and all of the comps are located within XXX miles of the subject property. Since property is not considered a rural property by XXX, please clear the exception. ''The determination of a rural property will be made based on the review of the appraisal by XXX (Guidelines dated XXX, Section 14.6(f) page 90). 11.18.2021 Upon further review All comps are within XXX miles of subject property, property is not considered rural per XXX guidelines. No further action is required. Exception satisfied. | Please provide Loan Exception for rural property.11.18.2021 Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 38 years in profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 88 month in reserves.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The loan to value is XXX% max LTV is 85%.<br>|
| 6A67B485-501D-4FEA-B3EC-7644F0D00478 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> A | A | A<br> C | A | A | Credit | Insurance | Satisfied | C<br> A | C<br> A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance effective date XXX, loan disbursement date XXX | 12.13.2021 Client responded - Please see the two attached documents for a copy of the Final CD which shows a disbursement date of XXX and a copy of the Final HOI that shows the effectiveness date of XXX which should be sufficient to clear this exception. 12.13.2021 - Upon further review - Client sent HOI Declaration with effective date of XXX and final Closing Disclosure showing a disbursement date of XXX. No further action required. Exception satisfied. | 12.13.2021 Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 qualifying credit score<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 5.51, max DTI 50<br>CFCFS3830: Addtional collateral with a value equal to at least 10% down payment<br> - Clayton Comments: B1 has another property with over 10% equity<br>|
| 609330F5-790A-4E5E-A74F-5B41FAAC8068 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residency for 4years and 2months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same line of work for 5years according to the application.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV requirement for program is 80.00%, borrower LTV is XXX%.<br>|
| A4A068EE-7143-48F6-8231-3351BC23FC58 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> 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 | 12/14/2021 - Please see the attached document for a copy of the CD that shows that the borrower acknowledged the CD on XXX which was 9 days prior to funding. Since the loan was funded on XXX then this should be sufficient to clear the exception. 12/14/2021 - Upon further review client provided CD showing borrower signed CD XXX 9 days prior to funding. No further documentation needed for this exception. | 12/14/2021 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in Line of work for 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 728.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV :XXXAllowable LTV Per Guideline : 90%<br>|
| 1F150C4F-CABF-412E-8D14-1E633C76ED07 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have been in line of work for 27 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have Lived at current Residence for over 17 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history<br>|
| B1F18A36-BAAA-4BEB-94E2-715B0E3641DD | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 761 qualifying credit score<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: no derogatory mortgage history past 24 months<br>|
| 99CC4461-E1BA-4817-964B-6B0E4699780C | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID3716 | TRID - Curable issue related to the Closing Disclosure in file | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 754<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for over 8 years<br>|
| 8D5989FE-B838-46B3-ADD7-3C063000755A | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: No derogatory mortgage last 24 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.8, max DTI 50<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has 31 years at current job<br>|
| 51ED3531-BB5F-41F3-AD6C-621D4CDAC067 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> 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 | 11/22/21 - Please see the attached document for a copy of the CD to show receipt 3 days before consummation 11/23/21 - Upon further review client provided CD XXX that was signed XXX. No further documentation needed for this exception. | 11/23/21 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>|
| 822FDABC-41D0-45AC-B1EE-0E989D84777B | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been residing at current address for 4 years according to the application.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same line of work for 3years and 1 month.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score per guidelines is 600, borrower credit score is 712 which exceeds guidelines.<br>|
| 844018F1-CC88-430E-A521-993B5BD5F141 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at job for 12 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is much lower than required guideline.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets exceed the 12 months of reserves<br>|
| DF38C56A-303E-49AE-90EB-321359192D6B | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below the required guideline.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time on current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: This property is new built previous property borrower lived at their address for 8 years 7 months.<br>|
| EF7AF4F7-753C-4840-86E4-EC877D23BD69 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>|
| 302E5FE9-8B17-4521-88EB-A34A5E181D35 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX, max ltv 85<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 qualifying credit score<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: no derogatory credit past 24 months<br>|
| 937FD226-7778-49A8-9E32-DC61D716E26D | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 810<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI < 5%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for over 21 years.<br>|
| 236EA7D2-89B5-4C9D-A2EE-D8C1EF4EE378 | XXXXXX | HI | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS3830: Addtional collateral with a value equal to at least 10% down payment<br> - Clayton Comments: B1 owns a mortgage free property<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX, max LTV 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 qualifying credit score<br>|
| CBD1E27B-5A9E-4926-80CA-1A65C8E2353C | XXXXXX | ID | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on job for 10 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below requirement guideline.<br>|
| C18B9CDB-591F-458E-8C2F-B8CFED570216 | XXXXXX | MA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has excess reserves in the amount of $663.85.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower credit score is 696, required per guidelines is 600.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has a positive mortgage payment history exceeding 2 years per credit report.<br>|
| 7A37690F-8954-463A-8B2E-AAC6E62DFDCC | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job<br>|
| 2F739D52-D3C7-4A24-B25F-07FEF800FDE1 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements.<br>|
| A79D4F7F-D82D-4A1E-A759-2F2C891C089E | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 757.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current Residence for 4 years 11 months .<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for 10 years.<br>|
| D3CB271D-D783-4C7A-9C85-80967867CC7E | XXXXXX | TX | (No Data) | ATR/QM: Exempt<br> C<br> A | A | A<br> C | A | A | Credit | LTV/CLTV | Satisfied | C<br> A | C<br> A | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Loan approved at XX% LTV, max LTV requirement per guidelines is XX% for purchase. Loan exception request form not in file | 12.13.2021 Client responded - Please see the attached document for a copy of the Exception Form that was used for this loan for an LTV exception. Please clear exception12.13.2021 Upon further review - client sent Loan Exception Request that was approved for XX% LTV with DSCR of 0.97. No further action is required. Exception satisfied. | 12.13.2021 Exception satisfied. | (No Data) | Not Applicable | CFCFS3830: Addtional collateral with a value equal to at least 10% down payment<br> - Clayton Comments: B1 owns another property with over 10% equity<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: No derogatory mortgage past 24 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 740 qualifying credit score<br>|
| 6127631C-C840-4B92-BFB7-A4D69FBFA7C4 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has over 8 years in occupation.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 683 qualifying credit score.<br>|
| DA350E09-E9A4-4131-8F04-7D92E05F6E78 | XXXXXX | WA | (No Data) | ATR/QM: Exempt<br> D<br> A | N/A | N/A<br> D | N/A | N/A | Credit | Title | Satisfied | D<br> A | D<br> A | CRDTIL796 | Missing Title | No | File is missing the title commitment. Please provide the title commitment. | 12.13.2021 Client responded - Please see the most recent attached document for a copy of the Final Title Policy which should clear the exception12.13.2021 Upon further review client sent copy of preliminary title. No further action is required. Exception satisfied. | 12.13.2021 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 9 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%, which is below guideline requirement of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 745<br>|
| 5D6EE23C-8DD0-4C20-A803-F597806FDABA | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | Right of Rescission | Satisfied | C<br> B | C<br> B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR has been updated for the date of XXX with an expiration date of XXX | 1/5/2022 - Please see the attached document for a copy of the Final Settlement Statement that shows that we did not disburse until XXX which should be sufficient to clear the exception. 1/5/2022 - Upon further review Lender provided the Final HUD showing disbursement date. No further documentation needed for this exception. | 1/5/2022 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX, max LTV 85<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 qualifying credit score<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: No derogatory mortgage history past 24 months<br>|
| A4A7FB75-7B3E-49BE-BAB3-A4028847303A | XXXXXX | WA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current address for 18 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of profession for 17 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 714.<br>|
| 51228997-C65C-4374-B292-9F981821B654 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A<br> C | D | A<br> D<br> C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D<br> A | D<br> A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller CD not in file. Please provide Seller CD. | 12/15/2021 - Please see the most recent attached document for a copy of the Seller CD that should be sufficient to clear the exception. 12/16/2021 - Upon further review Client provided the Seller CD. No further documentation needed for this exception. | 12/16/2021 - Exception satisfied | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived in current residence for 4 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for over 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 779.<br>|
| 51228997-C65C-4374-B292-9F981821B654 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A<br> C | D | A<br> D<br> C | D | A | Credit | Insurance | Satisfied | C<br> A | C<br> A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Please provide clarification on which is the correct insurance policy as the file contained two difference evidence of insurance. | 12.15.2021 Client responded - Please see the two attached documents for a copy of the Final Hazard Insurance that is effective as of XXX and a copy of the Final Settlement Statement that shows that the loan was disbursed on XXX. Since the insurance was in effect prior to the loan being disbursed, the exception can be cleared. 12.15.2021 Upon further review Hazard Insurance effective date is XXX and per the Final HUD Disbursement Date is XXX. No further action is required. Exception satisfied. | 12.15.2021 Exception satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived in current residence for 4 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for over 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 779.<br>|
| EA4A3AA7-06CE-41E0-8872-86BE18F0FE06 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>|
| 13BE6EB3-275E-4690-9750-C3C29B8B950F | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | Finance Charge Tolerance | Satisfied | C<br> B | C<br> B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Finance charge understated by $175 unable to determine understatement due to missing Final fee itemization. | 12/9/2021 - DISAGREE: Recalculated prepaid finance charges and recomputed loan amortization - balance to a zero dollar difference between our disclosed Finance Charge on final CD. Please see attached Loan Calculations Proof Sheet. 12/9/2021 - Upon further review client provided Proof Sheet that calculations are within tolerances. No further documentation needed for this exception. | 12/9/2021 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 5 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for 7 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: per Credit Report, Borrower has a Positive Mortgage Payment history.<br>|
| 0C2A15EF-9905-4C6C-9E8B-A6FA9B3ABBE9 | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID3716 | TRID - Curable issue related to the Closing Disclosure in file | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI < 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%, guideline requirement is 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 756<br>|
| 2E446D84-42BE-4124-B7DA-60875A56AEBE | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of business for over 2 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current Residence for over 2 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 756.<br>|
| B5028E63-213A-4E3E-89E8-C7EFFD556CAD | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | D | A<br> D | D | A | Compliance | Texas Home Equity | Satisfied | D<br> A | D<br> A | CMPTXHE114 | TX Equity - Missing Notice Concerning Extensions of Credit (12-Day) | No | Missing TX Notice Concerning Extensions of Credit. | 12/27/2021 - Please see the attached document for a copy of the 12 day Notice that should be sufficient to clear the exception. 12/28/2021 - Upon Further review Client provided Extensions of Credit Notice which includes 12 day clause. No further documentation needed for this exception. | 12/28/2021 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 19.37, max DT 50<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 qualifying credit score<br>CFCFS3830: Addtional collateral with a value equal to at least 10% down payment<br> - Clayton Comments: B1 has additional property with over 10% equity<br>|
| B5028E63-213A-4E3E-89E8-C7EFFD556CAD | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | D | A<br> D | D | A | Compliance | Texas Home Equity | Satisfied | D<br> A | D<br> A | CMPTXHE117 | TX Equity - Missing Affidavit of Fair Market Value | No | Texas Equity- Missing Affidavit of Fair Market Value. | 12/27/2021 - Please see the attached document for a copy of the Affidavit of the Fair Market Value that should be sufficient to clear the exception. 12/28/2021 - Upon Further review Client provided Affidavit of Fair Market Value. No further documentation needed for this exception. | 12/28/2021 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 19.37, max DT 50<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 qualifying credit score<br>CFCFS3830: Addtional collateral with a value equal to at least 10% down payment<br> - Clayton Comments: B1 has additional property with over 10% equity<br>|
| 77106DC4-1909-40C3-B7FB-A2DD7653A2B5 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>|
| 6820714C-1EA7-4D80-868F-67964F09AB39 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | RESPA | Active | B | B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations not in file | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 793<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI < 25%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for over 7 years<br>|
| 6820714C-1EA7-4D80-868F-67964F09AB39 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D<br> A | D<br> A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller CD not in file, please provide. | 12/20/2021 - Please see the attached document for a copy of the Final Seller Settlement Statement that should be sufficient to clear the exception. 12/21/2021 - Upon further review Client provided the Seller CD. No further documentation needed for this exception. | 12/21/2021 - Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 793<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI < 25%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for over 7 years<br>|
| A92F4566-8EAF-4678-A4AF-5579B9A63674 | XXXXXX | MA | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: no derogatory mortgage history past 24 months<br>CFCFS1752: No Verified Compensating Factors<br> - Clayton Comments: no other verifiable compensating factors<br>|
| 9EE09CB0-9A11-43AA-AB5C-65C035A4E546 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS3830: Addtional collateral with a value equal to at least 10% down payment<br> - Clayton Comments: B1 and B2 own another property with over 10% in equity<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 709 Qualifying credit score<br>CFCFS2860: Good credit history<br> - Clayton Comments: 5.98% credit utilization ratio<br>|
| E0079B96-042E-4979-B562-6B44C3AEF7FA | XXXXXX | NV | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR3116 | Missing updated valuation | No | CU score of 4.9% is greater than 2.5% allowed. Missing updated valuation to support original appraised value of $XXX.Note : XXX Desktop Analysis supports the value of $XXX. | 12.13.2021 Client responded - Please see the attached document that shows the Desk Review that affirms the $XXX valuation of the original appraisal. Since the CU Score was 4.9 on XXX, we ordered the desk review and it is dated XXX. Since the Desk Review supports the original appraised value, there is no need for any further reviews. Please clear exception. 12.13.2021 Upon further review - Desk review dated after the UDCP and supports the appraised value of $XXX. No further action is required. Exception satisfied. | 12.13.2021 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 756<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX% is below guideline requirement of 90%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower's open account are current<br>|
| 9C4EFDF8-D484-4BF2-92BC-DEB4AA96B2BD | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 3.92, max DTI 50<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 722 qualifying credit score<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 and B2 have 12 years in current profession<br>|
| 28070B65-2F0B-478B-9F76-2EDF9B66C82F | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 5 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 790.<br>|
| 510E0FAD-667D-4FDF-9909-5E8673B06451 | XXXXXX | MA | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower fico score is 797. Above required 720<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has excellent mortgage payment history since 2013 xX30.<br>|
| DDBEE35E-0559-445A-8F9F-B96D899F6924 | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Applicant has greater than 24 months reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Applicant has a strong mortgage history of 0x30 since XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has longevity in his employment. He has been employed with the same employer for 11 years and 1 month.<br>|
| ADAE4396-3DB0-45F7-9E07-662FC90D9231 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower have been at current residence for over 11 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: XXX for over 10 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for over 9 years<br>|
| 59769CF9-E0C2-4B86-9F30-9329006045EA | XXXXXX | NV | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 11 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%, which is lower than the requirement of 90% for this program<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 765<br>|
| 2B283FEB-5AA0-4B91-BD90-601A5D3181DF | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below required guideline.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is below guideline requirements.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at the job.<br>|
| E43446C3-888D-47BB-ADEC-63E533C5EBCB | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines<br>|
| 7E9B2B87-37CC-43E7-9D6A-F671E6BA6531 | XXXXXX | WA | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Credit | Insurance | Satisfied | A | A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Per Hazard Insurance Binder effective date is XXX through XXX. Per the HUD the final disbursement date is XXX | (No Data) | 12.2.2021 Exception satisfied | Not Applicable | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements.<br>|
| 7E9B2B87-37CC-43E7-9D6A-F671E6BA6531 | XXXXXX | WA | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Credit | Title | Satisfied | D<br> A | D<br> A | CRDTIL865 | Title incomplete | No | Provide updated Title with the correct loan amount of $XXX and the correct proposed insured of XXX File contains preliminary with proposed amount of $XXX and Proposed Insured as "Lender with contractual obligations under a loan agreement with the vested owner...". Note: File does contain CPL. | 12.15.2021 Client responded - Please see the attached document for a copy of the Final Title Policy that should be sufficient to clear the exception.12.15.2021 Upon further review received title with loan amount $XXX and XXX as the proposed lender. No further action is required. Exception satisfied. | 12.15.2021 Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements.<br>|
| CAAEDB4C-9D99-4F9E-BA57-65A74690B57D | XXXXXX | MA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 726.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current Residence for 3 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has no Derogatory account.<br>|
| 12C3864A-E921-4784-AB03-BBE5623406AB | XXXXXX | PA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | A | A<br> D | A | A | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR3116 | Missing updated valuation | No | UCDP in file is 3.1 which is greater than 2.5 allowed per guidelines. Note: Desk Review $XXX supports the Appraised value of $XXX. | 12.15.2021 Client responded - The CU Score of 3.1 was outside of the approved variance and was reported on XXX so XXX ordered a second review in the form of a Desk Review from XXX on XXX and came back with a valuation that supported the original appraised value. Since the Desk Review supported the Original Appraised value, no further reviews are required, please clear the exception.12.15.2021 Upon further review Desktop Review $XXX supports the Appraised Value of $XXX. No further action is required. Exception satisfied. | 12.15.2021 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 801<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for over 50 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 25 years<br>|
| F0285267-BD93-4D00-80FB-0CD3D41C6999 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 712.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 22 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work since XXX<br>|
| F34089DF-A6AC-459C-86A8-4FA37E6DA510 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement<br>|
| 4398AAED-7922-4E53-BA6B-4019DC1626FA | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has Lived at current Resident for 5 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for more than 7 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 774.<br>|
| 8BA4E357-A531-46E5-9D31-AECA9C1739C4 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement<br>|
| 89188370-E8EE-4E20-8572-2684AF18D83C | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has owned the business for 12 years and 11 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 729 is greater than 640 allowed per guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0 x 30 in the last 24 months.<br>|
| F6E427B9-2550-4E74-AF50-B96BD33748F8 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | A | A<br> D | A | A | Property Valuations | Appraisal | Satisfied | D<br> A | D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Page 2 of the UCDP is missing. Please provide complete report, | 12.9.2021-Clients response There was only 1 page on the UCDP report due to there being no findings. Please see the attached and complete copy of the UCDP that should be sufficient to clear the exception.12.9.2021-Upon further review the UCDP has been reviewed and accepted. Exception satisfied. | 12.9.2021-Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX, max LTV 90<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.55, max DTI 50<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 772 qualifying credit score<br>|
| E3815CF7-CA23-48D8-80FD-1AA0781FCDD9 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C<br> A | C<br> 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 XXX has an APR of XX%. Final CD XXX has APR of XX%. A difference of XX%; exceeds tolerance of XX%. | 12/16/2021 - Per 1026.22(a)(2): ''As a general rule, the annual percentage rate shall be considered accurate if it is not more than 1/8 of 1 percentage point above or below the annual percentage rate determined in accordance with paragraph (a)(1) of this section.'' However, if the overstated APR is accurate under Reg-Z , creditor is permitted to provide a revised CD at or before consummation without a new three business-day waiting period. 12 CFR 1026.19(f)(2)(i). The APR stated on the CDs issued on XXX was accurately based on an interest rate of XXX%, while the APR stated on the XXX CD was based on an interest rate of XXX%. A new three-day waiting period is not required. 12/17/2021 - Upon further review client advises per 1026.22(a)(2) that APR is considered accurate and a new 3 day waiting period was not necessary. No further documentation needed for this exception. | 12/17/2021 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTi 30.69, max 50<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 791 qualifying credit score<br>CFCFS3836: Borrower Net Worth<br> - Clayton Comments: B1 and B2 have over 6 months in PITIA reserves<br>|
| E3815CF7-CA23-48D8-80FD-1AA0781FCDD9 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> A | C | A<br> C | C | A | Credit | Insurance | Satisfied | C<br> A | C<br> A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | insurance effective date XXX, loan disbursement date XXX, therefore exception can be cancelled | 12.10.2021 Client responded - Insurance effective date was XXX and the disbursement date of this loan was XXX. If exception can be cancelled per your ''Clayton Response'', can you please change/clear the exception grade? Thank you12.10.2021 Upon further review - Verified Loan disbursement date is XXX Insurance effective date is XXX. No further action required. Exception Satisfied. | 12.10.2021 Exception satisfied. | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTi 30.69, max 50<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 791 qualifying credit score<br>CFCFS3836: Borrower Net Worth<br> - Clayton Comments: B1 and B2 have over 6 months in PITIA reserves<br>|
| A40105D2-D55E-459E-8F60-DF46C5C4B0A4 | XXXXXX | TX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%, guideline requirement is 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 727<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: FICO is 727<br>|
| 995AFE26-2D29-4BBF-A0CB-F27C8C63BE29 | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 75%/ max 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history since XXX show 0x30; applicant demonstrates reasonability to pay on time.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 66 months reserves after down payment.<br>|
| 8BFAD171-148E-48AD-B479-5E5F91EB6AC2 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.96, max DTI 50<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX, max LTV 90<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 qualifying credit score<br>|
| D9570785-C646-4090-B0D5-545FB15C3A26 | XXXXXX | TN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | D | A<br> D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D<br> A | D<br> A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller Cd not in file | 12/20/2021 - Please see the attached document for a copy of the Seller CD that should be sufficient to clear this exception. 12/21/2021 - Upon further review Client provided the Seller CD. No further documentation needed for this exception. | 12/21/2021 - Exception satisfied. | Not Applicable | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for 32 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 702.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV : XXXMax LTV per guideline: 90<br>|
| ECB508A1-4520-4E82-8A7A-8088703B1720 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 759.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history.<br>|
| 83DAC698-1185-479B-94FE-C945A068FED0 | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves exceeds guidelines $869156.48.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX% , Program max 80%<br>|
| 00AE001B-9CFE-4C86-870B-BDB5298F7605 | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence.<br>|
| 3DED74C1-570A-4314-8D5C-18F6418E824A | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current Residence for 4 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 765.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has no Derogatory Account.<br>|
| 374E37FA-549E-4C36-AF1C-1438591E7CC6 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 11 years in occupation.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 788, minimum for program is 640<br>|
| E8A4A17B-54E7-44FC-976B-45B8672E7C90 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> A | A | A<br> C | A | A | Credit | Insurance | Satisfied | C<br> A | C<br> A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance Policy Period is XXX- XXXClosing Disclosure disbursement date is XXX | 12.15.2021 Client responded - Please see the attached Hazard Insurance to show that the effectiveness date of the policy is XXX and is in effect at the time of closing. Please clear the exception. 12.15.2021 Upon further review client sent in Hazard Insurance Declaration with effective dates of XXX through XXX. No further action is required. | 12.15.2021 Exception Satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 703.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good credit history.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV is XXX%Allowable LTV Per Guideline 90%<br>|
| B07FAD04-57EA-44FB-AE8B-D5169BC46CDD | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 qualifying credit score<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.57, max DTI 50<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%, max LTV 90%<br>|
| 79208596-2D3B-4AEE-BA60-BFED0B45D3AD | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> A | A | A<br> C | A | A | Property Valuations | Appraisal | Satisfied | C<br> A | C<br> A | PRVAAPPR169 | Appraisal includes one or more issue(s) | No | Provide a full copy of the Appraisal. File contains copy with the top of the appraisal pages are cut off. Unable to see the comparable information, etc. | 12.29.2021 Client responded - Please see the attached document for a copy of the Full Appraisal that should be sufficient to clear the exception. 12.29.2021 Upon further review - client sent in a full copy of the appraisal with all pages complete. No further action is required. Exception satisfied. | 12.29.2021 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below requirement guideline.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines.<br>|
| 501FB992-5D11-48DD-9636-67E56346F560 | XXXXXX | MD | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>|
| 4F29CC17-F2C7-4D6F-AECB-5473FE57DD3A | XXXXXX | WA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: In addition to the required six months in reserves the borrowers have an additional 40 months of reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The primary borrowers FICO is 751. Program requirement is 600.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 6 years.<br>|
| 91673CD4-C896-4F89-9D43-A4371122F622 | XXXXXX | OR | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: No derogatory mortgage past 24 months<br>CFCFS3830: Addtional collateral with a value equal to at least 10% down payment<br> - Clayton Comments: B1 has 2 other properties with over 10% equity<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%, max LTV 70%<br>|
| 54C5A0CA-7DD9-481F-BE8F-DE8B496115C9 | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have Lived at current Resident for 22 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 Has been in line of work for 40 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrowers have a positive Mortgage payment.<br>|
| 8BCA00CD-C08C-440E-935F-BCFAF327B17C | XXXXXX | NV | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>|
| E50994B1-8890-4493-86F7-099013795C30 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 qualifying credit score<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.32, max DTI 50<br>CFCFS3836: Borrower Net Worth<br> - Clayton Comments: Borrowers have over 6 months reserves in PITI<br>|
| 2FE3046D-289D-48E6-AECA-DBED60D85D4F | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed per guidelines is 70%. Loan LTV is at XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $42,955.61 or 17.56 months of PITIRequired PITI Reserves are $2,446.45 x 6 = $14,678.70Reserves for all additional properties may not be waived, one months reserves required or $18,843.26.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Co-Borrower has lived at current residence for 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: All borrowers must have a minimum credit score of 680. Borrowers have qualifying credit score of 715.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is 0x30x99; guidelines require 0x30x24.<br>|
| 93ED1AFE-AC45-432C-A1B2-C189E774C2D9 | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Credit | Legal Documents | Satisfied | D<br> A | D<br> A | CRDLGL100 | Legal document incorrect or incomplete | No | Missing 1008. | 12/24/19 - Lender provided a copy of the missing 1008. | 12/24/19- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed per guidelines is 70%. Loan LTV is at XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: All borrowers must have a minimum credit score of 680. Borrower has credit score of 715.<br>|
| 34F51F4A-296A-4720-910F-0F2E85C4BA23 | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; maximum LTV is 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 736; requires 600.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $109,232.97 or 61.70 months of PITI.<br>|
| 1B980FDE-9613-4A66-BF26-FCD813243A60 | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned and resided in primary residence for 19 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% Guidelines allow 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 777 Guidelines allow 720<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $64,850.62 or 16 months of PITIA reserves.Required PITIA Reserves are $4,052.71 x 3 = $12,158.13Additional Reserves for REO Other than Subject may be waived since properties have a recent 12 month paid-as-agreed history<br>|
| FEBB4064-1854-455E-93C1-59A47FD200D2 | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 40 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; maximum LTV is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 721; requires 600.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $54,947.35 or 31.18 months of PITI. 3 months required.<br>|
| 17F20C8B-ADB7-40B1-BBE2-381735D5B5F6 | XXXXXX | CO | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $156,667.56 or 96.41 months of PITI.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 766; requires 680.<br>|
| 61207274-7D72-4F0F-8461-F1A34385999C | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> B<br> A | A | A<br> B | A | A | Credit | Legal Documents | Waived | B | B | CRDLGL100 | Legal document incorrect or incomplete | No | Guidelines require subordinate financing to have a regular monthly payment that covers at least the interest due. Lender approved exception to allow second lien with no monthly payments. 2nd lien has no payments as long as property is rented to section 8 tenants; if that ceases to be the case the loan changes to fully amortized payments. | 12/16/19 - Lender provided Loan Exception Request for the Documentation Exception for the missing 2nd lien mortgage payment. | 12/16/19 - Upon further review by Senior Underwriter, exception deemed non-material due to 742 credit score and XXX% LTV. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower Post close assets are $236,548.50 or 73.88 months PITI. Required PITI reserves are $3201.97x3= $9605.91<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 30 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX % is less than required of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 credit score exceeds minimum of 600.<br>|
| A0135EB8-AA3C-4B48-A7AF-157283D7901D | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> A<br> B | A | A<br> B | A | A | Credit | Legal Documents | Waived | N/A<br> B | N/A<br> B | CRDLGL100 | Legal document incorrect or incomplete | No | Guidelines require subordinate financing to have a regular monthly payment that covers at least the interest due. Lender approved exception to allow second lien with no monthly payments. 2nd lien has no payments as long as property is rented to section 8 tenants; if that ceases to be the case the loan changes to fully amortized payments. | 12/16/19 - Lender provided Loan Exception Request for the Documentation Exception for the 2nd lien mortgage payment. | 12/16/19 - Upon further review by Senior Underwriter, exception deemed non-material due to 742 credit score and XXX% LTV. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $236,548.50 exceed required of $9634.14<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX% is less than max of 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current address for 30 years.<br>|
| 4ACCD13B-5E3B-4268-BD2A-2FD23D9F02FD | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; maximum LTV is 75%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit has been paid 0x30x89.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $85,405.35 or 65.99 months of PITI.<br>|
| 8DD70FCF-F0B3-4914-AA7E-4E85195F6F58 | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned and resided in primary residence for 10 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below maximum of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 722 credit score exceeds minimum of 600<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers Post Close Assets are $11,169.97 or 5.37 months of PITI.Required PITI Reserves are $2079.20 x 3 months = $6237.60.<br>|
| 687E00D4-0CAD-4C5E-9791-52DE1D5B377A | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for 39 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX% is less than 75% allowed by guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 763 exceed required of 680<br>|
| 8AE306D8-EF0D-47B8-898F-3A7BE08EB7A3 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 21 years XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $44,825.21 or 23.21 months of PITI.<br>|
| BE5EEAE7-5868-4BE2-A58A-B710C8E6AC45 | XXXXXX | CA | (No Data) | ATR/QM: Not Applicable<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Original LTV / CLTV XXX% guidelines allow to 75% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative Score / Tape 736 guidelines allow minimum of 699 for LTV applied for.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves $67,192.18 or 28.92 months reserves. Guidelines require 3 months. Reserves for financed properties with a recent 12 month paid-as-agreed history may be waived. Additional REO no liens.<br>|
| 7053331B-DD8B-4063-A07F-E44B6418F402 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> B<br> A | B | B<br> A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4352 | TRID - CD: At least one section contains formatting that does not comply with the Regulation | No | Non-Numeric Error: PCCD XXX Transaction Information, Sellers address is missing. | 11/19/19 - Lender provided a Post Close CD that included the seller address. | 11/19/19 - Exception satisfied to a B. | Hybrid | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $101,023.84 or 16.90 months of PITIRequired PITI Reserves are $5,977.56 x 6 = $35,865.36<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has worked at current job for 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: All borrowers must have a minimum credit score of 680. Borrower has credit score of 766.<br>|
| E7CAE37B-B721-42B4-BCB6-4CCC1D02BF53 | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $43,191.01 or 19.23 months of PITI.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 695; requires 640.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; guidelines allow 80%.<br>|
| B8A090CB-32F9-4321-A353-937F3447D94B | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 708 Guidelines allow 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $19,180.68 or 6.17 months of PITIA reserves.Required PITIA Reserves are $3,106.39 x 6 = $18,638.34319.17<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DIT 30.53 Guidelines allow 43 %<br>|
| 3A0DA56F-B0A4-4781-A5A0-273C767E0550 | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> B<br> A | A | A<br> B | A | A | Credit | LTV/CLTV | Waived | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | XX% LTV exceeds maximum for a cash out of XX%. 1008 states lender approved exception. | 11/26/19 - Lender provided Loan Exception Request for the LTV Exception. | 11/26/19 - Upon further review by Senior Underwriter, exception deemed non-material due to 29.62 months reserves and 766 credit score. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 credit score exceeds minimum required of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers Post Close Assets are $112,941.43 or 29.62 months of PITI.Required PITI Reserves are $3812.46 x 6 months = $22,874.76.<br>|
| B5ECA2BD-F4A8-4BA6-A5A5-05D89BEDC493 | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 771 exceeds guideline requirement of 600.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX is below maximum of 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $35,585.07 or 7.66 months of PITIA. Required PITIA Reserves are $4,646.47 x 3 months = $13,939.41.<br>|
| E1CD63B1-0BD4-425F-B473-FBE331AD1ABA | XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 812 exceeds the guideline requirement of 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX is below the guideline max allowed of 70%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has owned the current primary residence since XXX.<br>|
| 33A0658B-FC39-402E-B45C-0BCA7FADAB88 | XXXXXX | NV | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% Guidelines allow 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 742 Guidelines allow 720<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $150,839.88 or 132.59 months of PITIA reserves.Required PITIA Reserves are $1,137.66 x 3 = $3,412.98<br>|
| 7F8EF4B9-FDEA-4AB4-A2FA-CB53CA5FB755 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> A | A | A<br> C | A | A | Credit | Assets | Satisfied | C<br> A | C<br> A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing Gift of equity letter from seller, and CD does not show gift of equity. Only has 1003 and letter from our borrower stating that this will take place. | 12/27/19 - Lender provided a copy of the Combined Settlement statement reflecting the gift of equity of $XXX. | 12/27/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed per guidelines is 80%. Loan LTV is at XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $19,099.17 or 15.01 months of PITIRequired PITI Reserves are $1,272.32 x 3 = $3,816.96<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: All borrowers must have a minimum credit score of 600. Borrower has credit score of 642.<br>|
| 33C936D4-B889-4160-BC5A-458962699350 | XXXXXX | GA | (No Data) | ATR/QM: Exempt<br> B<br> A | A | A<br> B | A | A | Credit | LTV/CLTV | Waived | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Loan exception XX% LTV exception. Max XX%. Approval for XX%. | 12/3/19 - Lender provided Loan Exception Request for the LTV Exception. | 12/3/19 - Upon further review by Senior Underwriter, the Employment Documentation exception is deemed non-material. Due to the borrower having 94 months in reserves, credit scores exceeding the guidelines and has been at current job for 5+ years. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $152,763.20 or 102.27 months of PITI.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5 years XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 680; requires 640.<br>|
| 5EE8BD3A-7652-442D-B057-857AB39EEB43 | XXXXXX | MA | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Compliance | Compliance Manual | Satisfied | D<br> A | D<br> A | CMPMAN2956 | Missing disclosure | No | Missing Final Application. | 12/11/19 - Lender provided a copy of the missing Final 1003. | 12/11/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is 0x30x99; guidelines require 0x30x24.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; maximum LTV is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 755; requires 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br>|
| 5EE8BD3A-7652-442D-B057-857AB39EEB43 | XXXXXX | MA | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Credit | Legal Documents | Satisfied | D<br> A | D<br> A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Provide the final signed Closing Disclosure. | 12/11/19 - Lender provided a copy of the missing final CD. | 12/11/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is 0x30x99; guidelines require 0x30x24.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; maximum LTV is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 755; requires 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br>|
| 5EE8BD3A-7652-442D-B057-857AB39EEB43 | XXXXXX | MA | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Credit | Legal Documents | Satisfied | D<br> A | D<br> A | CRDLGL4033 | Missing Legal Document(s) | No | Provide the payoff figures used for closing. | 12/17/19 - Lender provided a copy of the payoff matching the figures on the final CD. | 12/17/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is 0x30x99; guidelines require 0x30x24.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; maximum LTV is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 755; requires 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br>|
| 5EE8BD3A-7652-442D-B057-857AB39EEB43 | XXXXXX | MA | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Credit | Terms/Guidelines | Waived | B | B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Loan Exception approved for not completing the appraisal with an XXX. | 12/17/19 - Lender provided Loan Exception Request for the Appraisal not being completed by XXX Exception. | 12/17/19 - Upon further review by Senior Underwriter, loan amount exception is deemed non-material due to compensating factors: AIR cert is in the file and meets compliance. 3 closed comps provided, all within .15 of mile from subject. Adjustments within tolerance, Desk review supportive with zero variance. Strong credit for 20+ years, DSCR at 1.31%. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is 0x30x99; guidelines require 0x30x24.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; maximum LTV is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 755; requires 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br>|
| 7D3326F6-A2E6-470A-9F24-4D6957803B93 | XXXXXX | CA | (No Data) | ATR/QM: Not Applicable<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is 0x30x99; guidelines require 0x30x12.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Current 758 minimum 720<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $358,126.94 (135.24 months) Required $7,944.09<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 31 years<br>|
| E9E20027-03CB-4B5C-B970-F5231822FABB | XXXXXX | TX | (No Data) | ATR/QM: Not Applicable<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Verified $25,303.81 or 30.94 months rents. Guidelines require 3 months PITIA; 3 x $817.81 = $2,453.43.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Reduced P&I by $166.95/month<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX% which is 18.09% below the 70% maximum.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject residence for 15 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is 0x30x82; guidelines require 0x30x12.<br>|
| D7113572-E8AB-4076-8DEA-7D1A5AA23579 | XXXXXX | NM | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | Documentation | Satisfied | D<br> A | D<br> A | CMPDOC806 | Notary Status is missing | No | Notary Status page from the mortgage is missing in the file. | 12/4/19 - Lender provided a complete copy of the Mortgage, signed by the borrower and Notarized. | 12/4/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 25 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $19,142.65 or 15.03 months PITI; guidelines require 3 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Score is 757; guidelines require 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 3.52%; guidelines allow 50%.<br>|
| D7113572-E8AB-4076-8DEA-7D1A5AA23579 | XXXXXX | NM | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | Documentation | Satisfied | D<br> A | D<br> A | CMPDOC869 | Mortgage not signed | No | Missing signature page from the mortgage in the file. | 12/4/19 - Lender provided a complete copy of the Mortgage, signed by the borrower and Notarized. | 12/4/19 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 25 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $19,142.65 or 15.03 months PITI; guidelines require 3 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Score is 757; guidelines require 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 3.52%; guidelines allow 50%.<br>|
| D7113572-E8AB-4076-8DEA-7D1A5AA23579 | XXXXXX | NM | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID3716 | TRID - Curable issue related to the Closing Disclosure in file | No | Non-Numeric Error - The seller CD XXX other costs section H for the termite fee is missing on the PCCD XXX. | Condition Satisfied. The file contains the Sellers CD reflecting all charges paid by Seller. Fees have been included in the fee testing with no violation. | Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 25 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $19,142.65 or 15.03 months PITI; guidelines require 3 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Score is 757; guidelines require 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 3.52%; guidelines allow 50%.<br>|
| D7113572-E8AB-4076-8DEA-7D1A5AA23579 | XXXXXX | NM | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4282 | TRID - CD: The value for Downpayment/Funds From Borrower in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | Non-Numeric Error - The initial and last LE XXX section Calculating Cash To Close, Field: Down Payment/Funds from Borrower has a value of XXX. This does not match the final Cd XXX-2 and PCCD XXX section Calculating Cash to Close, Field: Down Payment/Funds from Borrower - Loan Estimate that has a value of XXX. | 12/25/19 Lender provided LE XXX and COC reflecting changes | 12/25/19 Exception satisfied | Non-Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 25 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $19,142.65 or 15.03 months PITI; guidelines require 3 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Score is 757; guidelines require 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 3.52%; guidelines allow 50%.<br>|
| D7113572-E8AB-4076-8DEA-7D1A5AA23579 | XXXXXX | NM | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4284 | TRID - CD: The value for Seller Credits in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | Non-Numeric Error - The initial and last LE XXX section Calculating Cash To Close, Field: - Seller Credits has a value of XXX. This does not match the final Cd XXX-2 and PCCD XXX section Calculating Cash to Close, Field: Seller Credits - Loan Estimate that has a value of XXX. | 12/25/19 Lender provided LE XXX and COC reflecting changes | 12/25/19 Exception satisfied | Non-Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 25 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $19,142.65 or 15.03 months PITI; guidelines require 3 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Score is 757; guidelines require 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 3.52%; guidelines allow 50%.<br>|
| D7113572-E8AB-4076-8DEA-7D1A5AA23579 | XXXXXX | NM | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4299 | TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | Non-Numeric Error - The initial and last LE XXX section Calculating Cash To Close, Field: Total Closing Costs (J), has a value of XXX. This does not match the final Cd XXX-2 and PCCD XXX section Calculating Cash to Close, Field: Total Closing Costs (J) - Loan Estimate that has a value of XXX. | 12/25/19 Lender provided LE XXX and COC reflecting changes | 12/25/19 Exception satisfied | Non-Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 25 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $19,142.65 or 15.03 months PITI; guidelines require 3 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Score is 757; guidelines require 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 3.52%; guidelines allow 50%.<br>|
| D7113572-E8AB-4076-8DEA-7D1A5AA23579 | XXXXXX | NM | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID4309 | TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE | No | Non-Numeric Error - The initial and last LE XXX section Calculating Cash To Close, Field: Estimated Cash to Close, has a value of XXX. This does not match the final Cd XXX-2 and PCCD XXX section Calculating Cash to Close, Field: Cash to Close - Loan Estimate that has a value of XXX. | 12/25/19 Lender provided LE XXX and COC reflecting changes | 12/25/19 Exception satisfied | Non-Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 25 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $19,142.65 or 15.03 months PITI; guidelines require 3 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Score is 757; guidelines require 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 3.52%; guidelines allow 50%.<br>|
| 498BD81B-2141-44D9-AC65-2EAEBD6632A5 | XXXXXX | NC | (No Data) | ATR/QM: Exempt<br> B<br> A | A | A<br> B | A | A | Credit | Terms/Guidelines | Waived | B | B | CRDTER111 | Ownership seasoning does not meet minimum per guidelines | No | Borrower has not been vested on title for 6 months due to property being in name of corporation. Borrower is sole owner of corporation and has owned subject for 3 years. Lender granted an exception in file. | 1.7.20 - lender provided Loan Exception request for the Ownership Seasoning Exception. | 1.7.20 - non material B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $138,923.04 or 174.69 months of PITIRequired P&I Reserves are $795.25 x 3 = $2387.75 + 1 mo $708.94 addtl property without 12 month history = $3096.69.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 795 credit score exceeds minimum of 720<br>|
| 498BD81B-2141-44D9-AC65-2EAEBD6632A5 | XXXXXX | NC | (No Data) | ATR/QM: Exempt<br> B<br> A | A | A<br> B | A | A | Credit | Terms/Guidelines | Waived | B | B | CRDTER113 | Loan amount is below guideline minimum | No | Guidelines minimum loan amount $100k; Loan amount $XXX. Lender approved exception. | 1.7.20 - Lender provided Loan Exception Request for the Loan Amount Exception. | 1.7.20 - non-material B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $138,923.04 or 174.69 months of PITIRequired P&I Reserves are $795.25 x 3 = $2387.75 + 1 mo $708.94 addtl property without 12 month history = $3096.69.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 795 credit score exceeds minimum of 720<br>|
| 68716E88-C496-4691-9FF2-F67B0BCD78F5 | XXXXXX | GA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 1 Borrower's Post Close Assets are $19,756.79 or 20.96 months of PITI Required PITI Reserves are 942.27 x 3 = $2826.81 + 1 month PITI for each additional property owned with less than 12 month payment history. XXX $756.49, XXX $891.32, XXX $902.27, XXX $836.03 all property total including subject $6212.92<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Program score minimum requirement is 600; Borrower credit score 761<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Program max LTV 75%; Borrower LTV XXX%<br>|
| FD04F341-B306-44AD-9E9B-7D0E3838037B | XXXXXX | TX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers Post Close Assets are $97,671.35 or 101.48 months of PITI. Required PITI Reserves are $962.50 x 3 months = $2,887.50.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 628 credit score exceeds minimum of 600.<br>|
| B70673CE-5C8C-4655-8867-D0921CDF4519 | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXX%; maximum LTV is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 695; requires 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $75,842.82 or 34.59 months of PITI.<br>|
| 0E539563-12D4-4AC6-B947-6B7B3D7979D0 | XXXXXX | CA | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% LTV is below maximum of 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 20 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers post close reserves are $115,552.46 or 102.32 months PITIRequired PITI reserves are $1129.34x3= $3,388.02<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 786 exceeds required of 720<br>|
| BCDD146E-4237-4345-BB1C-D1082FFB1A9A | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has owned business for 20 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The credit score of 704 exceeds the guideline requirement of 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower's Post Close Assets are $122,813.63 or 70.70 months of PITIA. Required PITIA Reserves are $1,737.15 x 3 months=$5211.45<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below maximum of 85%.<br>|

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|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **GSMBS 2025-R1** |
| **Start - End Dates:** | **3/6/2019 - 1/3/2022** |
| **Deal Loan Count:** | **236** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *236* |
| ***Loans with Conditions:*** | *87* |

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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** |
| DE0D99EA-E625-4C04-A67D-A5F80E47704A | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 2C1DBEF6-3134-48E5-886D-CE9F01AF3C38 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | No |
| 454B9A53-568A-4E22-801B-4AF168055246 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | No |
| A39CF756-DABF-4C07-B020-B35F42165885 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | No |
| F74EEF02-A220-48A1-875D-5088605B4E6E | XXXXXX | XXXXXX<br> A | A | A | A | A | Yes |
| D310E561-CFAB-4EA6-A8B9-33898C713E7B | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | Not Applicable |
| 3F0D2F20-2CC3-4AB5-9F99-FAED2343D372 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 922E51BF-51BC-4C68-94C7-E77115B74388 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| A33FC36A-BEA8-4F21-8C11-30815773715B | XXXXXX | XXXXXX<br> D<br> B<br> A | A | A<br> D<br> B | A | A | No |
| 2F386B96-BC29-425A-B42C-9B40079FE956 | XXXXXX | XXXXXX<br> B<br> A | B | B<br> A | B | B | No |
| 9DA22C31-A23A-492D-889C-8FFAC8E5FFE9 | XXXXXX | XXXXXX<br> B<br> A | B | B<br> A | B | B | No |
| C3B569E5-EF20-4AFF-9DCC-817533F155DC | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| DF4AEE95-49B3-4A78-8179-73D37BA0248F | XXXXXX | XXXXXX<br> B<br> A | B | B<br> A | B | B | Not Applicable |
| BA6BFB1C-286F-49C4-96D7-FBFE295DDBE8 | XXXXXX | XXXXXX<br> C<br> B<br> A | B | B<br> C<br> A | B | B | No |
| 6EA3FDC3-4974-488F-AB8D-77A953D1B8BC | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| C19A84A3-3439-4543-B9C4-C8502263E570 | XXXXXX | XXXXXX<br> B<br> A | B | B<br> A | B | B | No |
| 45DB5893-CD20-4C07-963D-844B6ADF3521 | XXXXXX | XXXXXX<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Not Applicable |
| 262EADCE-6F1A-404D-BEE7-BAC687131608 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 264034C1-A4F2-467A-9C81-B930A30BCA95 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 95697803-C793-4601-83C9-9A1312FEB1A0 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| E285DE3B-9AA2-4068-8AE3-86576A6F0C61 | XXXXXX | XXXXXX<br> D<br> B<br> A | D | B<br> D<br> A | D | B | No |
| AE6CD2C0-11C4-49EF-9FCD-F603823A6FEF | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 61CC8C97-C25E-4B04-A42E-E61576EF8E5A | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 937D9145-117C-4C5E-ABCC-5C636E146FE5 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| F0DF7AC2-F6A9-4D28-AE4A-25C7236B90CE | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 3C16D5D4-FF33-4995-A30F-6D325B8F0209 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 3DE250D7-6296-42F1-8027-107E45E36F29 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 857675C9-0246-40A3-947C-97BACBF4395B | XXXXXX | XXXXXX<br> D<br> B<br> A | C | B<br> D<br> A | C | B | No |
| F4531E07-734E-475E-8463-206DA6844624 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | No |
| A7D92A4B-9F5F-4809-BBC3-0E799FB4E863 | XXXXXX | XXXXXX<br> B<br> A | B | B<br> A | B | B | Not Applicable |
| 4CE20EC2-13FB-4D2B-B6E6-FCC71FDBF331 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | No |
| 58CB9F87-02CC-401C-ABBB-C988D8C440EA | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 68388CF5-32FC-4EBE-9804-291A29D44625 | XXXXXX | XXXXXX<br> B<br> A | B | B<br> A | B | B | Not Applicable |
| F21CA58C-CAB8-48AB-B163-419A987FFB67 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| CEDE2A87-4EA3-4A72-AB30-F59DE728A608 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 9069C7A5-BD31-497E-8901-B37A809F3B49 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| D0674952-DD7F-43B3-8346-B93B2F755D1F | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 9FAFFC9A-33AD-4D91-B401-D19C570D85F0 | XXXXXX | XXXXXX<br> B<br> A | B | B<br> A | B | B | Not Applicable |
| 962010E8-78B0-4664-A3EC-23080EA3B824 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| B6A93508-C796-4F38-8590-944573973EDC | XXXXXX | XXXXXX<br> C<br> B<br> A | C | B<br> C<br> A | C | B | No |
| 6BFCDCF8-15FA-41D7-89ED-2EC4ED853192 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 84E14C8F-0532-43DD-BF8A-87333049689E | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 15F29BCD-224A-4BF3-BEC5-9283D0557FCA | XXXXXX | XXXXXX<br> B<br> A | B | B<br> A | B | B | Not Applicable |
| 61245013-93E4-412E-B035-B8D638C1D3F0 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 45456F3F-59F6-4699-A13D-99BD96B9D67D | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 28EB3E36-1ED5-451C-836C-418C24E8B8E2 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 9974BE17-5C27-4C80-B5AA-5D9A19CB7FCB | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| C09A70A0-80F0-40E7-A49E-B7D1797A2E6F | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 070AEED0-2381-48EC-A85D-73AF2B56DED8 | XXXXXX | XXXXXX<br> B<br> A | B | B<br> A | B | B | Not Applicable |
| 1C1AC1F0-1FA1-471F-A667-1B3313E5D01D | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | No |
| 9AE4E20F-8FD2-4E20-932B-AD70BFC23FEF | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 7E7978CD-4E3F-4E86-ACB5-D09BFB2292A4 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| BC90A295-F19E-4654-9B6C-B4ECDE76E80E | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 9BC3C73E-DF8F-4157-A85F-FF44ACC448C1 | XXXXXX | XXXXXX<br> A | A | A | A | A | Yes |
| DCB21B0E-E739-4845-9862-07C7D5F2BDDD | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 40C32F15-5987-4B54-AD03-51B0D175E5B4 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 188F674D-199D-4490-AEB5-C46ADB5D5ECF | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| C4DD6106-3D31-42EF-86F2-467031D505BC | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 4A8C4E3C-8879-4D1F-8958-E3180100FF85 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| A220F724-488E-4C1D-991B-1EB58FA827CA | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 1BC334C5-C81B-412A-AB92-3D538A2F5829 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| F140AF22-206C-416B-8F89-049B26526185 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| F6DC7EFC-A814-4358-B77E-19DA855FDD38 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 83D32E4B-5AB7-4B91-87F9-FF89587E87C4 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 91AEC143-F52C-4EEC-97C8-F03F06EBCD21 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 32246274-4F8D-41EE-9EAA-D66771E643F6 | XXXXXX | XXXXXX<br> A<br> B | A | B<br> A | A | B | Not Applicable |
| 47118383-A0B1-4261-AB22-20F8F5D768EF | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 0FFF1CF1-3DA8-4000-BE0E-5A273FF1B6F6 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| DC80BF7B-001B-40F8-AAEE-96A447F25D34 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | Not Applicable |
| 3940B26B-9E78-4C4C-8841-01016CA5D5E2 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| A54BC9EA-B62E-4711-85D5-A5D44850E9E0 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 760393B9-C0D2-40D4-A205-1ECDBC02E0DE | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 4E134020-C238-432A-8AA2-456879BDD011 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 35DA631A-8C64-496A-AFBC-E280F505D8CA | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| C9B025A7-6D68-456D-B6FF-6DAD972844F7 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 750E7379-86C7-4C39-89DA-D2F8A9932154 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 6D671ECA-D831-4A05-ACD3-50568F905A9E | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 07A2F11F-78CC-4A51-8C30-069851C05E3C | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 9434C0EA-9860-4586-9BA4-0AC4E17617F9 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 5320DDDC-8750-4E96-9F15-DE3603C18681 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 7B21A673-F178-44E9-8210-1DF647B25073 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| F918C537-BFC4-4BE5-A36E-E50F700C1453 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 3D69AD30-D275-4CB8-9458-F17D509BDDE9 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 6354A889-73BB-4317-B98D-BBB28B08A2BB | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| AB60613C-6CC0-4DE2-A84B-1099C3078DAC | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| E28EA392-A6AB-4F30-B3A1-63E985F19758 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | No |
| 7B81C475-A977-4210-8EAF-464B81726A59 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| F8763849-B5A1-408B-85D0-5A92B622C743 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | Not Applicable |
| 6D81CCEF-57E5-4261-9C18-17D075298BDA | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 972D6747-2080-433E-AB1D-723A1AC5B8A5 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 64E41A47-4E99-422C-A2EE-2A9F5FA2EB3C | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | Not Applicable |
| 24B38F9B-E79E-4994-A9C3-835C7004D00A | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 1668A823-6645-4388-8BF0-E1744F0F46ED | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| A53DB7EF-A6C5-4A4F-AAD1-206C135FCEDB | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |
| 7CB5BD50-0E75-46C9-BF80-B6B48BD9191C | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| CB355AD1-F799-453E-A888-A95589A8BF8D | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 9D3D7F93-702E-4215-B70F-9E6C8CF801E6 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| AEAF52E6-1A19-484F-A62F-4A258125EC2C | XXXXXX | XXXXXX<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Not Applicable |
| F865448A-C2E8-42B7-B2B6-557CBA75F4BE | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 277E4A2C-8E0B-487A-90DE-08E99F849432 | XXXXXX | XXXXXX<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Not Applicable |
| 75FD5A6D-0570-422A-8B15-962E428673E4 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 206F8B3F-0E9C-4938-80B5-38E8AEC23168 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 2F37AF95-FF9C-476A-967F-93EBD37CA45F | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 9C41AC33-3B72-4258-9CE5-2A4A6DA44BC2 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 8FD75C95-8E31-40C9-B9AD-6D6F1E7A079B | XXXXXX | XXXXXX<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Not Applicable |
| FBF0D4C7-634B-43CB-9022-0086A965848C | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | Not Applicable |
| A57FFD1C-11B4-4C81-A69E-080FDE20CD3C | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| F7F22B77-415E-4FB4-BFC0-39B770EC47A7 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 6D8981DE-2E77-47AD-B133-B31301810E92 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 11F6168B-077B-4268-9D8C-F132DF502796 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 4F1E21DE-7153-4B8A-9FFA-CBAE2D0B21F8 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 1DE69CA0-0053-471F-AA4B-BA77BE4620C2 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 0F569106-15A7-433C-8099-136529EC6A21 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| F658A094-3DE5-453E-909B-FCCA3E3BB019 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 67308AA5-2BB2-48AF-88E9-7F2F2DA9BAD8 | XXXXXX | XXXXXX<br> A | A | A | A | A | Yes |
| 628CC9DF-26F6-490A-A228-5F69C580CD0E | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | Yes |
| 37BED81D-3742-4D08-9C89-E6530A148F03 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 0A9752B7-2A99-4199-AA5F-7DBCB4D152AE | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 2691D0AD-917E-426E-AE5D-A470DF260790 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | Not Applicable |
| FC4EA628-5E65-4BCD-A827-CA5FBEE25D40 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| B1688318-88F3-456E-8701-FB21CC9C5707 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 4E6C97E4-9ECD-4814-B4EA-545D5B2136D9 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 2F8DC8B8-C441-4015-8CDE-7B498274E336 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | Not Applicable |
| ABEC5A85-33E8-412C-84D6-9E2532CB3AF6 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| C9C1CD63-8D4A-4BB5-B3CF-8EFB7D4F9952 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 2F938EC8-8C1A-4FBF-9E61-E9288B744D08 | XXXXXX | XXXXXX<br> D<br> A<br> C | D | A<br> D<br> C | D | A | Not Applicable |
| 48266F07-679F-445C-8035-E8BE3A8855A1 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | Not Applicable |
| 20A688B2-1C37-40FF-8CB2-04D6D371F769 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | Not Applicable |
| 3E78C3CC-8187-419F-891B-5EF1CBCB8099 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 8A2C0EB8-00D0-449D-9161-694482853DED | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | Not Applicable |
| 6380EAEA-B7D5-4952-925B-5A1B687D9518 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | Yes |
| 6F92CBBC-9738-431B-8E6D-DD475DCFCEF3 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | Not Applicable |
| 6A67B485-501D-4FEA-B3EC-7644F0D00478 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | Not Applicable |
| 609330F5-790A-4E5E-A74F-5B41FAAC8068 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| A4A068EE-7143-48F6-8231-3351BC23FC58 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | Not Applicable |
| 1F150C4F-CABF-412E-8D14-1E633C76ED07 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| B1F18A36-BAAA-4BEB-94E2-715B0E3641DD | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 99CC4461-E1BA-4817-964B-6B0E4699780C | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 8D5989FE-B838-46B3-ADD7-3C063000755A | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 51ED3531-BB5F-41F3-AD6C-621D4CDAC067 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | Not Applicable |
| 822FDABC-41D0-45AC-B1EE-0E989D84777B | XXXXXX | XXXXXX<br> A | A | A | A | A | Yes |
| 844018F1-CC88-430E-A521-993B5BD5F141 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| DF38C56A-303E-49AE-90EB-321359192D6B | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| EF7AF4F7-753C-4840-86E4-EC877D23BD69 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 302E5FE9-8B17-4521-88EB-A34A5E181D35 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 937FD226-7778-49A8-9E32-DC61D716E26D | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 236EA7D2-89B5-4C9D-A2EE-D8C1EF4EE378 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| CBD1E27B-5A9E-4926-80CA-1A65C8E2353C | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| C18B9CDB-591F-458E-8C2F-B8CFED570216 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 7A37690F-8954-463A-8B2E-AAC6E62DFDCC | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 2F739D52-D3C7-4A24-B25F-07FEF800FDE1 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| A79D4F7F-D82D-4A1E-A759-2F2C891C089E | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| D3CB271D-D783-4C7A-9C85-80967867CC7E | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | Not Applicable |
| 6127631C-C840-4B92-BFB7-A4D69FBFA7C4 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| DA350E09-E9A4-4131-8F04-7D92E05F6E78 | XXXXXX | XXXXXX<br> D<br> A | N/A | N/A<br> D | N/A | N/A | Not Applicable |
| 5D6EE23C-8DD0-4C20-A803-F597806FDABA | XXXXXX | XXXXXX<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Not Applicable |
| A4A7FB75-7B3E-49BE-BAB3-A4028847303A | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 51228997-C65C-4374-B292-9F981821B654 | XXXXXX | XXXXXX<br> D<br> A<br> C | D | A<br> D<br> C | D | A | Not Applicable |
| EA4A3AA7-06CE-41E0-8872-86BE18F0FE06 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 13BE6EB3-275E-4690-9750-C3C29B8B950F | XXXXXX | XXXXXX<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Not Applicable |
| 0C2A15EF-9905-4C6C-9E8B-A6FA9B3ABBE9 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 2E446D84-42BE-4124-B7DA-60875A56AEBE | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| B5028E63-213A-4E3E-89E8-C7EFFD556CAD | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | Not Applicable |
| 77106DC4-1909-40C3-B7FB-A2DD7653A2B5 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 6820714C-1EA7-4D80-868F-67964F09AB39 | XXXXXX | XXXXXX<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Not Applicable |
| A92F4566-8EAF-4678-A4AF-5579B9A63674 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |
| 9EE09CB0-9A11-43AA-AB5C-65C035A4E546 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| E0079B96-042E-4979-B562-6B44C3AEF7FA | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 9C4EFDF8-D484-4BF2-92BC-DEB4AA96B2BD | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 28070B65-2F0B-478B-9F76-2EDF9B66C82F | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 510E0FAD-667D-4FDF-9909-5E8673B06451 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | No |
| DDBEE35E-0559-445A-8F9F-B96D899F6924 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| ADAE4396-3DB0-45F7-9E07-662FC90D9231 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 59769CF9-E0C2-4B86-9F30-9329006045EA | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 2B283FEB-5AA0-4B91-BD90-601A5D3181DF | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| E43446C3-888D-47BB-ADEC-63E533C5EBCB | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 7E9B2B87-37CC-43E7-9D6A-F671E6BA6531 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| CAAEDB4C-9D99-4F9E-BA57-65A74690B57D | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 12C3864A-E921-4784-AB03-BBE5623406AB | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| F0285267-BD93-4D00-80FB-0CD3D41C6999 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| F34089DF-A6AC-459C-86A8-4FA37E6DA510 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 4398AAED-7922-4E53-BA6B-4019DC1626FA | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 8BA4E357-A531-46E5-9D31-AECA9C1739C4 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 89188370-E8EE-4E20-8572-2684AF18D83C | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| F6E427B9-2550-4E74-AF50-B96BD33748F8 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| E3815CF7-CA23-48D8-80FD-1AA0781FCDD9 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | Not Applicable |
| A40105D2-D55E-459E-8F60-DF46C5C4B0A4 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 995AFE26-2D29-4BBF-A0CB-F27C8C63BE29 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 8BFAD171-148E-48AD-B479-5E5F91EB6AC2 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| D9570785-C646-4090-B0D5-545FB15C3A26 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | Not Applicable |
| ECB508A1-4520-4E82-8A7A-8088703B1720 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 83DAC698-1185-479B-94FE-C945A068FED0 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 00AE001B-9CFE-4C86-870B-BDB5298F7605 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 3DED74C1-570A-4314-8D5C-18F6418E824A | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 374E37FA-549E-4C36-AF1C-1438591E7CC6 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| E8A4A17B-54E7-44FC-976B-45B8672E7C90 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | Not Applicable |
| B07FAD04-57EA-44FB-AE8B-D5169BC46CDD | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 79208596-2D3B-4AEE-BA60-BFED0B45D3AD | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | Not Applicable |
| 501FB992-5D11-48DD-9636-67E56346F560 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 4F29CC17-F2C7-4D6F-AECB-5473FE57DD3A | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 91673CD4-C896-4F89-9D43-A4371122F622 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 54C5A0CA-7DD9-481F-BE8F-DE8B496115C9 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 8BCA00CD-C08C-440E-935F-BCFAF327B17C | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| E50994B1-8890-4493-86F7-099013795C30 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 2FE3046D-289D-48E6-AECA-DBED60D85D4F | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 93ED1AFE-AC45-432C-A1B2-C189E774C2D9 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 34F51F4A-296A-4720-910F-0F2E85C4BA23 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 1B980FDE-9613-4A66-BF26-FCD813243A60 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| FEBB4064-1854-455E-93C1-59A47FD200D2 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 17F20C8B-ADB7-40B1-BBE2-381735D5B5F6 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 61207274-7D72-4F0F-8461-F1A34385999C | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | Yes |
| A0135EB8-AA3C-4B48-A7AF-157283D7901D | XXXXXX | XXXXXX<br> A<br> B | A | A<br> B | A | A | Yes |
| 4ACCD13B-5E3B-4268-BD2A-2FD23D9F02FD | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 8DD70FCF-F0B3-4914-AA7E-4E85195F6F58 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 687E00D4-0CAD-4C5E-9791-52DE1D5B377A | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 8AE306D8-EF0D-47B8-898F-3A7BE08EB7A3 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| BE5EEAE7-5868-4BE2-A58A-B710C8E6AC45 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 7053331B-DD8B-4063-A07F-E44B6418F402 | XXXXXX | XXXXXX<br> B<br> A | B | B<br> A | B | B | Not Applicable |
| E7CAE37B-B721-42B4-BCB6-4CCC1D02BF53 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| B8A090CB-32F9-4321-A353-937F3447D94B | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 3A0DA56F-B0A4-4781-A5A0-273C767E0550 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | Yes |
| B5ECA2BD-F4A8-4BA6-A5A5-05D89BEDC493 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| E1CD63B1-0BD4-425F-B473-FBE331AD1ABA | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 33A0658B-FC39-402E-B45C-0BCA7FADAB88 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 7F8EF4B9-FDEA-4AB4-A2FA-CB53CA5FB755 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | Not Applicable |
| 33C936D4-B889-4160-BC5A-458962699350 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | Yes |
| 5EE8BD3A-7652-442D-B057-857AB39EEB43 | XXXXXX | XXXXXX<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Yes |
| 7D3326F6-A2E6-470A-9F24-4D6957803B93 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| E9E20027-03CB-4B5C-B970-F5231822FABB | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| D7113572-E8AB-4076-8DEA-7D1A5AA23579 | XXXXXX | XXXXXX<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Not Applicable |
| 498BD81B-2141-44D9-AC65-2EAEBD6632A5 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | Yes |
| 68716E88-C496-4691-9FF2-F67B0BCD78F5 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| FD04F341-B306-44AD-9E9B-7D0E3838037B | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| B70673CE-5C8C-4655-8867-D0921CDF4519 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 0E539563-12D4-4AC6-B947-6B7B3D7979D0 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| BCDD146E-4237-4345-BB1C-D1082FFB1A9A | XXXXXX | XXXXXX<br> A | A | A | A | A | No |

---

## Exhibit 99.3

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | GSMBS 2025-R1 |
| **Start - End Dates:** | 3/6/2019 - 1/3/2022 |
| **Deal Loan Count:** | 236 |
| **Loan Level Tape Compare Upload** |  |
| *Loans in Report* | *236* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| DE0D99EA-E625-4C04-A67D-A5F80E47704A | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 2C1DBEF6-3134-48E5-886D-CE9F01AF3C38 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 2C1DBEF6-3134-48E5-886D-CE9F01AF3C38 | XXXXXX | DTI Qualifying (Back) | 43.3869 | 31.8500 |
| 454B9A53-568A-4E22-801B-4AF168055246 | XXXXXX | DTI Qualifying (Back) | 34.4318 | 44.7000 |
| A39CF756-DABF-4C07-B020-B35F42165885 | XXXXXX | Original Term | 360 | 480 |
| F74EEF02-A220-48A1-875D-5088605B4E6E | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| F74EEF02-A220-48A1-875D-5088605B4E6E | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| F74EEF02-A220-48A1-875D-5088605B4E6E | XXXXXX | Original Term | 360 | 480 |
| D310E561-CFAB-4EA6-A8B9-33898C713E7B | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| D310E561-CFAB-4EA6-A8B9-33898C713E7B | XXXXXX | Number of Units | 1 | 2 |
| D310E561-CFAB-4EA6-A8B9-33898C713E7B | XXXXXX | Original Term | 360 | 480 |
| 3F0D2F20-2CC3-4AB5-9F99-FAED2343D372 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| A33FC36A-BEA8-4F21-8C11-30815773715B | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 2F386B96-BC29-425A-B42C-9B40079FE956 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 2F386B96-BC29-425A-B42C-9B40079FE956 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 9DA22C31-A23A-492D-889C-8FFAC8E5FFE9 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| DF4AEE95-49B3-4A78-8179-73D37BA0248F | XXXXXX | Number of Units | 2 | 3 |
| 45DB5893-CD20-4C07-963D-844B6ADF3521 | XXXXXX | Representative Credit Score for Grading | 778 | 765 |
| AE6CD2C0-11C4-49EF-9FCD-F603823A6FEF | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 61CC8C97-C25E-4B04-A42E-E61576EF8E5A | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 3C16D5D4-FF33-4995-A30F-6D325B8F0209 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 4CE20EC2-13FB-4D2B-B6E6-FCC71FDBF331 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 4CE20EC2-13FB-4D2B-B6E6-FCC71FDBF331 | XXXXXX | Representative Credit Score for Grading | 630 | 656 |
| 58CB9F87-02CC-401C-ABBB-C988D8C440EA | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| CEDE2A87-4EA3-4A72-AB30-F59DE728A608 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9FAFFC9A-33AD-4D91-B401-D19C570D85F0 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 962010E8-78B0-4664-A3EC-23080EA3B824 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 6BFCDCF8-15FA-41D7-89ED-2EC4ED853192 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 6BFCDCF8-15FA-41D7-89ED-2EC4ED853192 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 84E14C8F-0532-43DD-BF8A-87333049689E | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 45456F3F-59F6-4699-A13D-99BD96B9D67D | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9974BE17-5C27-4C80-B5AA-5D9A19CB7FCB | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| C09A70A0-80F0-40E7-A49E-B7D1797A2E6F | XXXXXX | Representative Credit Score for Grading | 628 | 618 |
| 070AEED0-2381-48EC-A85D-73AF2B56DED8 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 7E7978CD-4E3F-4E86-ACB5-D09BFB2292A4 | XXXXXX | Number of Units | 1 | 4 |
| BC90A295-F19E-4654-9B6C-B4ECDE76E80E | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 1BC334C5-C81B-412A-AB92-3D538A2F5829 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| F6DC7EFC-A814-4358-B77E-19DA855FDD38 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 47118383-A0B1-4261-AB22-20F8F5D768EF | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| DC80BF7B-001B-40F8-AAEE-96A447F25D34 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| DC80BF7B-001B-40F8-AAEE-96A447F25D34 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| A54BC9EA-B62E-4711-85D5-A5D44850E9E0 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 760393B9-C0D2-40D4-A205-1ECDBC02E0DE | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 4E134020-C238-432A-8AA2-456879BDD011 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 35DA631A-8C64-496A-AFBC-E280F505D8CA | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 07A2F11F-78CC-4A51-8C30-069851C05E3C | XXXXXX | Representative Credit Score for Grading | 805 | 809 |
| 5320DDDC-8750-4E96-9F15-DE3603C18681 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 5320DDDC-8750-4E96-9F15-DE3603C18681 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 3D69AD30-D275-4CB8-9458-F17D509BDDE9 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| AB60613C-6CC0-4DE2-A84B-1099C3078DAC | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 64E41A47-4E99-422C-A2EE-2A9F5FA2EB3C | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 64E41A47-4E99-422C-A2EE-2A9F5FA2EB3C | XXXXXX | Representative Credit Score for Grading | 745 | 737 |
| 24B38F9B-E79E-4994-A9C3-835C7004D00A | XXXXXX | Representative Credit Score for Grading | 689 | 692 |
| 1668A823-6645-4388-8BF0-E1744F0F46ED | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| A53DB7EF-A6C5-4A4F-AAD1-206C135FCEDB | XXXXXX | Product Type | 40 Yr Fixed Interest Only | 30 Yr Fixed |
| 9D3D7F93-702E-4215-B70F-9E6C8CF801E6 | XXXXXX | Product Type | 40 Yr Fixed Interest Only | 40 Yr Fixed |
| AEAF52E6-1A19-484F-A62F-4A258125EC2C | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| AEAF52E6-1A19-484F-A62F-4A258125EC2C | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| F865448A-C2E8-42B7-B2B6-557CBA75F4BE | XXXXXX | Combined LTV | 75.00 | 71.28 |
| F865448A-C2E8-42B7-B2B6-557CBA75F4BE | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| F865448A-C2E8-42B7-B2B6-557CBA75F4BE | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| F865448A-C2E8-42B7-B2B6-557CBA75F4BE | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| F865448A-C2E8-42B7-B2B6-557CBA75F4BE | XXXXXX | Original LTV | 75.00 | 71.28 |
| 75FD5A6D-0570-422A-8B15-962E428673E4 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 2F37AF95-FF9C-476A-967F-93EBD37CA45F | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9C41AC33-3B72-4258-9CE5-2A4A6DA44BC2 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 8FD75C95-8E31-40C9-B9AD-6D6F1E7A079B | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| A57FFD1C-11B4-4C81-A69E-080FDE20CD3C | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 6D8981DE-2E77-47AD-B133-B31301810E92 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 11F6168B-077B-4268-9D8C-F132DF502796 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 4F1E21DE-7153-4B8A-9FFA-CBAE2D0B21F8 | XXXXXX | Representative Credit Score for Grading | 766 | 786 |
| 67308AA5-2BB2-48AF-88E9-7F2F2DA9BAD8 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 628CC9DF-26F6-490A-A228-5F69C580CD0E | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 37BED81D-3742-4D08-9C89-E6530A148F03 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 0A9752B7-2A99-4199-AA5F-7DBCB4D152AE | XXXXXX | Combined LTV | 56.10 | 52.95 |
| 0A9752B7-2A99-4199-AA5F-7DBCB4D152AE | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 0A9752B7-2A99-4199-AA5F-7DBCB4D152AE | XXXXXX | Original LTV | 56.10 | 52.95 |
| 4E6C97E4-9ECD-4814-B4EA-545D5B2136D9 | XXXXXX | Representative Credit Score for Grading | 695 | 679 |
| 2F8DC8B8-C441-4015-8CDE-7B498274E336 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| ABEC5A85-33E8-412C-84D6-9E2532CB3AF6 | XXXXXX | Representative Credit Score for Grading | 727 | 712 |
| 3E78C3CC-8187-419F-891B-5EF1CBCB8099 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 609330F5-790A-4E5E-A74F-5B41FAAC8068 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| B1F18A36-BAAA-4BEB-94E2-715B0E3641DD | XXXXXX | Representative Credit Score for Grading | 745 | 761 |
| 51ED3531-BB5F-41F3-AD6C-621D4CDAC067 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 51ED3531-BB5F-41F3-AD6C-621D4CDAC067 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| EF7AF4F7-753C-4840-86E4-EC877D23BD69 | XXXXXX | Representative Credit Score for Grading | 728 | 704 |
| 302E5FE9-8B17-4521-88EB-A34A5E181D35 | XXXXXX | Property Type | SFR-Attached | SFR |
| 236EA7D2-89B5-4C9D-A2EE-D8C1EF4EE378 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| A79D4F7F-D82D-4A1E-A759-2F2C891C089E | XXXXXX | Representative Credit Score for Grading | 787 | 757 |
| 6127631C-C840-4B92-BFB7-A4D69FBFA7C4 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 5D6EE23C-8DD0-4C20-A803-F597806FDABA | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| EA4A3AA7-06CE-41E0-8872-86BE18F0FE06 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 13BE6EB3-275E-4690-9750-C3C29B8B950F | XXXXXX | Representative Credit Score for Grading | 753 | 689 |
| 0C2A15EF-9905-4C6C-9E8B-A6FA9B3ABBE9 | XXXXXX | Borrower 1 SSN | XXXXXX | XXXXXX |
| 77106DC4-1909-40C3-B7FB-A2DD7653A2B5 | XXXXXX | Number of Units | 2 | 1 |
| 77106DC4-1909-40C3-B7FB-A2DD7653A2B5 | XXXXXX | Property Type | 2 Family | SFR |
| 9C4EFDF8-D484-4BF2-92BC-DEB4AA96B2BD | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 28070B65-2F0B-478B-9F76-2EDF9B66C82F | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| DDBEE35E-0559-445A-8F9F-B96D899F6924 | XXXXXX | Property Type | SFR | SFR-Attached |
| ADAE4396-3DB0-45F7-9E07-662FC90D9231 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 59769CF9-E0C2-4B86-9F30-9329006045EA | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 59769CF9-E0C2-4B86-9F30-9329006045EA | XXXXXX | Max Rate at First Adjustment | 5.75 | 6.7500 |
| 59769CF9-E0C2-4B86-9F30-9329006045EA | XXXXXX | Product Type | 5/1 I/O ARM | 5/6 I/O ARM |
| 59769CF9-E0C2-4B86-9F30-9329006045EA | XXXXXX | Representative Credit Score for Grading | 765 | 750 |
| E43446C3-888D-47BB-ADEC-63E533C5EBCB | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 12C3864A-E921-4784-AB03-BBE5623406AB | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| F0285267-BD93-4D00-80FB-0CD3D41C6999 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 89188370-E8EE-4E20-8572-2684AF18D83C | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| E3815CF7-CA23-48D8-80FD-1AA0781FCDD9 | XXXXXX | Representative Credit Score for Grading | 772 | 791 |
| 995AFE26-2D29-4BBF-A0CB-F27C8C63BE29 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 995AFE26-2D29-4BBF-A0CB-F27C8C63BE29 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 995AFE26-2D29-4BBF-A0CB-F27C8C63BE29 | XXXXXX | Representative Credit Score for Grading | 753 | 744 |
| 8BFAD171-148E-48AD-B479-5E5F91EB6AC2 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| ECB508A1-4520-4E82-8A7A-8088703B1720 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 00AE001B-9CFE-4C86-870B-BDB5298F7605 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 3DED74C1-570A-4314-8D5C-18F6418E824A | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 374E37FA-549E-4C36-AF1C-1438591E7CC6 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 374E37FA-549E-4C36-AF1C-1438591E7CC6 | XXXXXX | Representative Credit Score for Grading | 788 | 803 |
| B07FAD04-57EA-44FB-AE8B-D5169BC46CDD | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| E50994B1-8890-4493-86F7-099013795C30 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 34F51F4A-296A-4720-910F-0F2E85C4BA23 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| E1CD63B1-0BD4-425F-B473-FBE331AD1ABA | XXXXXX | Documentation Type | Alt Doc/Bank Statements | Asset Depletion |
| 33C936D4-B889-4160-BC5A-458962699350 | XXXXXX | First Payment Date | XXXXXX | XXXXXX |
| 33C936D4-B889-4160-BC5A-458962699350 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 33C936D4-B889-4160-BC5A-458962699350 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
|©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.3

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **GSMBS 2025-R1** |
| **Start - End Dates:** | **3/6/2019 - 1/3/2022** |
| **Deal Loan Count:** | **236** |
| **ATR QM Upload** |  |
| *Loans in Report:* | *236* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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** |
| DE0D99EA-E625-4C04-A67D-A5F80E47704A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | No | No | 3.25 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1947.78 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.1300 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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;<br> Lease Agreement - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2C1DBEF6-3134-48E5-886D-CE9F01AF3C38 | 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) | 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) | No | Yes | 1 | XXX | Yes | No | 2.45 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 31.85 | 0 | 31.85 | 31.85 | 31.85 | (No Data) | (No Data) | (No Data) | 8631.84 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> Verbal VOE with Income - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 454B9A53-568A-4E22-801B-4AF168055246 | 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) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | XXX | No | No | 2.65 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 44.7 | 0 | 44.7 | 44.7 | 44.7 | (No Data) | (No Data) | (No Data) | 4621.1 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 156 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 156 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| A39CF756-DABF-4C07-B020-B35F42165885 | 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 | Yes | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | No | No | 3.25 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1468.42 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.2940 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| F74EEF02-A220-48A1-875D-5088605B4E6E | 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 | Yes | Yes | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | XXX | No | No | 2.5 | (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) | -1626.5 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 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 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| D310E561-CFAB-4EA6-A8B9-33898C713E7B | 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 | Yes | Yes | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | No | No | 3.915 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6578.74 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.0050 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 3F0D2F20-2CC3-4AB5-9F99-FAED2343D372 | 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 | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | No | No | 3.5 | (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) | -1617.91 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.1300 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 922E51BF-51BC-4C68-94C7-E77115B74388 | 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 | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | XXX | No | No | 3.019 | 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 | 51.69 | 50.44 | 51.69 | 50.44 | 50.44 | 50.44 | No | No | (No Data) | 5283.8 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 9 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> Paystub - 9 months;<br> Personal Tax Return - 36 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| A33FC36A-BEA8-4F21-8C11-30815773715B | 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 | XXX | No | No | 2.903 | 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 | 50.45 | 50.45 | 50.45 | 55.39 | 50.45 | 50.45 | Yes | Yes | Yes | 2105.82 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 0 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> Verbal VOE with Income - 0 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2F386B96-BC29-425A-B42C-9B40079FE956 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXX | No | No | 2.983 | 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 | 50.72 | 43.63 | 50.72 | 43.63 | 43.63 | 43.63 | Yes | Yes | Yes | 6607.95 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 1 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9DA22C31-A23A-492D-889C-8FFAC8E5FFE9 | 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) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXX | No | No | 1.824 | 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 | 47.43 | 46.41 | 47.43 | 46.41 | 46.41 | 46.41 | No | No | (No Data) | 13119.91 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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) | CPA Letter without Income - 1 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| C3B569E5-EF20-4AFF-9DCC-817533F155DC | 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 | No | 1 | XXX | Yes | Yes | 2.57 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.41 | 40.41 | 40.41 | 40.41 | 40.41 | 40.41 | Yes | Yes | Yes | 3048.52 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| DF4AEE95-49B3-4A78-8179-73D37BA0248F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | 3 Family | 3 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXX | No | No | 2.38 | 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 | 49.08 | 48.84 | 49.08 | 54.15 | 48.84 | 48.84 | No | No | (No Data) | 4450.54 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (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 Data) | (No Data) | No | (No Data) | No | (No Data) | (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 | 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 | (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> Paystub - 1 months;<br> Personal Bank Statements - 24 months;<br> W2 - 24 months | CPA Letter without Income - 24 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| BA6BFB1C-286F-49C4-96D7-FBFE295DDBE8 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 3.184 | 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 | 14.11 | 17.98 | 14.11 | 19.43 | 17.98 | 17.98 | Yes | Yes | Yes | 8474.75 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6EA3FDC3-4974-488F-AB8D-77A953D1B8BC | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 2.398 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.04 | 39.54 | 40.04 | 39.54 | 39.54 | 39.54 | Yes | Yes | Yes | 5393.1 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 300 | 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 - 300 months;<br> Personal Bank Statements - 12 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| C19A84A3-3439-4543-B9C4-C8502263E570 | 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 | No | 1 | XXX | Yes | Yes | 2.72 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 18.61 | 16.08 | 18.61 | 16.08 | 16.08 | 16.08 | Yes | Yes | Yes | 11491.44 | (No Data) | 0 | (No Data) | (No Data) | 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 | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 45DB5893-CD20-4C07-963D-844B6ADF3521 | 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 | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 2.308 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.68 | 28.68 | 28.68 | 28.68 | 28.68 | 28.68 | Yes | Yes | Yes | 39200.32 | (No Data) | 0 | (No Data) | (No Data) | 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 | (No Data) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> P & L - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 262EADCE-6F1A-404D-BEE7-BAC687131608 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | XXX | No | Yes | 3.176 | 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 | 40.04 | 40.61 | 40.04 | 45.07 | 40.61 | 40.61 | Yes | Yes | Yes | 7161.77 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 264034C1-A4F2-467A-9C81-B930A30BCA95 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXX | No | No | 2.895 | 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 | 49.18 | 49.89 | 49.18 | 49.89 | 49.89 | 49.89 | Yes | Yes | Yes | 3734.38 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 95697803-C793-4601-83C9-9A1312FEB1A0 | 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 | Yes | Yes | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | XXX | No | No | 2.3 | (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) | -2759.25 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.1597 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| E285DE3B-9AA2-4068-8AE3-86576A6F0C61 | 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 | No | 1 | XXX | Yes | Yes | 2.377 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 24.25 | 20.61 | 24.25 | 24.16 | 20.61 | 20.61 | No | Yes | Yes | 11398.56 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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 - 1 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| AE6CD2C0-11C4-49EF-9FCD-F603823A6FEF | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXX | No | No | 1.413 | 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 | 49.66 | 46.9 | 49.66 | 54.64 | 46.9 | 46.9 | Yes | Yes | Yes | 7311.11 | (No Data) | 0 | (No Data) | (No Data) | 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 | (No Data) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> Business Bank Statements - 12 months;<br> P & L - 24 months | Award Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 61CC8C97-C25E-4B04-A42E-E61576EF8E5A | 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) | Yes | Yes | 1 | XXX | No | No | 3.286 | 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 | 50.76 | 50.76 | 50.76 | 50.76 | 50.76 | 50.76 | Yes | Yes | Yes | 6155.46 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 937D9145-117C-4C5E-ABCC-5C636E146FE5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | No | No | 3.875 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1704.04 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 0.9389 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| F0DF7AC2-F6A9-4D28-AE4A-25C7236B90CE | 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 | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | No | No | 5.807 | (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) | -1187.68 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.1745 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 3C16D5D4-FF33-4995-A30F-6D325B8F0209 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXX | No | No | 0.897 | 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 | 44.58 | 44.46 | 0 | 50.8 | 42.81 | 44.46 | No | No | (No Data) | 5869.44 | (No Data) | 0 | (No Data) | (No Data) | 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 | (No Data) | 21 | Yes | (No Data) | 21 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Business Bank Statements - 24 months;<br> P & L - 21 months | Business Bank Statements - 24 months;<br> P & L - 21 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3DE250D7-6296-42F1-8027-107E45E36F29 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | XXX | No | No | 2.45 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1396.45 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 0.9667 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 857675C9-0246-40A3-947C-97BACBF4395B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 3.742 | 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 | 36.33 | 34.62 | 36.33 | 34.62 | 34.62 | 34.62 | No | No | (No Data) | 8154.16 | (No Data) | 0 | (No Data) | (No Data) | 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 | (No Data) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | 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) | 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 - 2 months;<br> P & L - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| F4531E07-734E-475E-8463-206DA6844624 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 3.154 | 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 | 23.1 | 23.1 | 23.1 | 23.1 | 23.1 | 23.1 | Yes | Yes | Yes | 8307.75 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| A7D92A4B-9F5F-4809-BBC3-0E799FB4E863 | 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 | XXX | No | No | 2.782 | 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 | 47.11 | 47.11 | 47.11 | 50.64 | 47.11 | 47.11 | No | No | (No Data) | 3721.84 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 4CE20EC2-13FB-4D2B-B6E6-FCC71FDBF331 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | XXX | No | No | 4.596 | 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 | 48.34 | 47.08 | 43.81 | 48.29 | 42.77 | 45.55 | Yes | Yes | Yes | 2936.37 | (No Data) | 0 | (No Data) | (No Data) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Personal Bank Statements - 3 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 58CB9F87-02CC-401C-ABBB-C988D8C440EA | 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 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | No | No | 9.074 | (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) | -1304.7 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.0209 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 68388CF5-32FC-4EBE-9804-291A29D44625 | 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 | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXX | No | No | 2.737 | 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 | 45.78 | 45.78 | 44.12 | 44.12 | 35.97 | 39.61 | No | No | (No Data) | 11804.83 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| F21CA58C-CAB8-48AB-B163-419A987FFB67 | 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-Attached | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 3.222 | Unavailable | (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 | 29.1 | 28.46 | 29.1 | 29.72 | 28.46 | 28.46 | Yes | Yes | Yes | 9099.76 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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) | Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| CEDE2A87-4EA3-4A72-AB30-F59DE728A608 | 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 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | XXX | No | No | 2.2 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1577.84 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.2359 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 9069C7A5-BD31-497E-8901-B37A809F3B49 | 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 | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | No | No | 9.117 | (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) | -1623.66 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 0.8622 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| D0674952-DD7F-43B3-8346-B93B2F755D1F | 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) | No | No | 1 | XXX | Yes | Yes | 2.497 | Unavailable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.2 | 38.52 | 38.2 | 42.58 | 38.51 | 38.52 | Yes | Yes | Yes | 8892.74 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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) | Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9FAFFC9A-33AD-4D91-B401-D19C570D85F0 | 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) | Yes | No | 1 | XXX | Yes | Yes | 3.425 | 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 | 18.11 | 17.35 | 18.11 | 19.38 | 17.35 | 17.35 | Yes | Yes | Yes | 5377.39 | (No Data) | 0 | (No Data) | (No Data) | 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 | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 962010E8-78B0-4664-A3EC-23080EA3B824 | 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) | Yes | No | 1 | XXX | Yes | Yes | 3.478 | 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 | 36.7 | 36.7 | 36.7 | 36.7 | 36.7 | 36.7 | Yes | Yes | Yes | 2562.41 | (No Data) | 0 | (No Data) | (No Data) | 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 | (No Data) | 14 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 14 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| B6A93508-C796-4F38-8590-944573973EDC | 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 | No | 1 | XXX | Yes | Yes | 1.385 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.08 | 40.08 | 40.08 | 40.08 | 40.08 | 40.08 | Yes | Yes | Yes | 2635.2 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6BFCDCF8-15FA-41D7-89ED-2EC4ED853192 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | XXX | No | No | 2.813 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 44.67 | 0 | 44.67 | 44.67 | 44.67 | (No Data) | (No Data) | (No Data) | 3089.3 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 84E14C8F-0532-43DD-BF8A-87333049689E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | No | No | 7.678 | (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) | -1268.29 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 0.9422 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 15F29BCD-224A-4BF3-BEC5-9283D0557FCA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXX | No | No | 1.143 | Unavailable | (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 | 51.18 | 48.99 | 51.18 | 52.05 | 43.66 | 48.99 | Yes | Yes | Yes | 7546.77 | (No Data) | 0 | (No Data) | (No Data) | 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 | (No Data) | 36 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | 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;<br> P & L - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 61245013-93E4-412E-B035-B8D638C1D3F0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 3.427 | 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 | 9.74 | 9.43 | 9.74 | 9.43 | 9.43 | 9.43 | No | Yes | Yes | 30907.33 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 45456F3F-59F6-4699-A13D-99BD96B9D67D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | No | No | 11.724 | (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) | -1744.35 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 0.01 | 1.0462 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 28EB3E36-1ED5-451C-836C-418C24E8B8E2 | 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 | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXX | No | No | 2.118 | 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 | 51.08 | 54.22 | 51.08 | 61.68 | 53.04 | 54.22 | Yes | Yes | Yes | 11597.85 | (No Data) | 0 | (No Data) | (No Data) | 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 | (No Data) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> P & L - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9974BE17-5C27-4C80-B5AA-5D9A19CB7FCB | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | No | No | 3.813 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1407.48 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.0657 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| C09A70A0-80F0-40E7-A49E-B7D1797A2E6F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 3.137 | 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 | 34.58 | 35.56 | 34.58 | 38.4 | 34.49 | 35.56 | Yes | Yes | Yes | 10022.79 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 1 | Yes | (No Data) | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 070AEED0-2381-48EC-A85D-73AF2B56DED8 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | XXX | No | No | 4.61 | 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 | 48.53 | 47.61 | 48.53 | 52.69 | 47.61 | 47.61 | Yes | Yes | Yes | 2685.13 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 9 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> Personal Bank Statements - 3 months;<br> W2 - 12 months | Paystub - 9 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1C1AC1F0-1FA1-471F-A667-1B3313E5D01D | 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 | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 1.221 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 19.52 | 19.68 | 19.52 | 22.22 | 19.68 | 19.68 | Yes | Yes | Yes | 24900.41 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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) | Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9AE4E20F-8FD2-4E20-932B-AD70BFC23FEF | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | XXX | No | No | 3.045 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 53.08 | 53.08 | 53.08 | 53.08 | 53.08 | 53.08 | Yes | Yes | Yes | 7789.5 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 7E7978CD-4E3F-4E86-ACB5-D09BFB2292A4 | 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) | Yes | (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 | XXX | No | No | 13.69 | (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) | -1173.79 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 0.01 | 2.2917 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| BC90A295-F19E-4654-9B6C-B4ECDE76E80E | 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 | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | No | No | 3.313 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1269.03 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.2608 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 9BC3C73E-DF8F-4157-A85F-FF44ACC448C1 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXX | No | No | 2.235 | 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 | 50.39 | 50.05 | 50.39 | 55.44 | 50.05 | 50.05 | Yes | Yes | Yes | 7540.76 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | (No Data) | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | 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) | 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) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months | Offer Letter - 1 months;<br> Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| DCB21B0E-E739-4845-9862-07C7D5F2BDDD | 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 | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 4.766 | Unavailable | (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 | 33.33 | 35.19 | 33.33 | 35.19 | 35.19 | 35.19 | Yes | Yes | Yes | 1592.73 | (No Data) | 0 | (No Data) | (No Data) | 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 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 40C32F15-5987-4B54-AD03-51B0D175E5B4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 3.392 | 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 | 20.15 | 17.18 | 20.15 | 18.69 | 17.18 | 17.18 | Yes | Yes | Yes | 14263.34 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 188F674D-199D-4490-AEB5-C46ADB5D5ECF | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 2.522 | Not Applicable | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.23 | 37.23 | 37.23 | 37.23 | 37.23 | 37.23 | No | Yes | Yes | 4122.48 | (No Data) | 0 | (No Data) | (No Data) | 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) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| C4DD6106-3D31-42EF-86F2-467031D505BC | 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 | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 4.031 | Unavailable | (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 | 33.18 | 33.58 | 33.18 | 33.58 | 33.58 | 33.58 | Yes | Yes | Yes | 5074.47 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 34 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 4A8C4E3C-8879-4D1F-8958-E3180100FF85 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 1.515 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.55 | 31.92 | 42.55 | 31.92 | 31.92 | 31.92 | No | Yes | Yes | 20349.95 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | 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) | 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 | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 1 months | Business Bank Statements - 24 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| A220F724-488E-4C1D-991B-1EB58FA827CA | 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) | Rate and Term Refi | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | XXX | 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) | -5634.45 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 0.01 | 0.8100 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 1BC334C5-C81B-412A-AB92-3D538A2F5829 | 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 | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | No | No | 12.353 | (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) | -1380.61 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 0.8692 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| F140AF22-206C-416B-8F89-049B26526185 | 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) | Rate and Term Refi | No | No | No | No | Yes | 6 mos interest of amt prepaid in 36 mos if amt prepd >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | No | No | 3.15 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3308.92 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 0.8200 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| F6DC7EFC-A814-4358-B77E-19DA855FDD38 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (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 | 12 mos interest on amt prepd that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | No | No | 4.6 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4536.17 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.3943 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 83D32E4B-5AB7-4B91-87F9-FF89587E87C4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXX | No | No | 2.717 | 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 | 47.85 | 47.75 | 47.75 | 47.75 | 47.75 | 47.75 | Yes | Yes | Yes | 4765.95 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | 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 - 25 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 91AEC143-F52C-4EEC-97C8-F03F06EBCD21 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | XXX | No | No | 4.521 | 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 | 49.1 | 49.1 | 49.1 | 49.1 | 49.1 | 49.1 | Yes | Yes | Yes | 2584.54 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months | Award Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 32246274-4F8D-41EE-9EAA-D66771E643F6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | 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 | XXX | Yes | Yes | 2.854 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 19.34 | 16.52 | 19.34 | 17.04 | 16.15 | 16.52 | Yes | Yes | Yes | 40929.14 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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) | Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 47118383-A0B1-4261-AB22-20F8F5D768EF | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXX | No | No | 2.356 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 52.04 | 51.19 | 52.04 | 57.72 | 51.19 | 51.19 | Yes | Yes | Yes | 4335.96 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (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 | (No Data) | 1 | Yes | (No Data) | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 1 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 0FFF1CF1-3DA8-4000-BE0E-5A273FF1B6F6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | XXX | No | No | 4.182 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.39 | 45.37 | 46.39 | 45.37 | 45.37 | 45.37 | Yes | Yes | Yes | 3352.82 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 36 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | Written VOE - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| DC80BF7B-001B-40F8-AAEE-96A447F25D34 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | XXX | No | No | 2.25 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1691.36 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 0.01 | 0.7700 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 3940B26B-9E78-4C4C-8841-01016CA5D5E2 | 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 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | XXX | No | No | 2.6 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1746.98 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.0800 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| A54BC9EA-B62E-4711-85D5-A5D44850E9E0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXX | Yes | No | 2.265 | 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 | 43.14 | 41.81 | 43.14 | 41.81 | 41.81 | 41.81 | No | Yes | Yes | 9580.45 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (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) |
| 760393B9-C0D2-40D4-A205-1ECDBC02E0DE | 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 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | Yes | 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 | 32.33 | 0 | 32.33 | 32.33 | 32.33 | (No Data) | (No Data) | (No Data) | 5987.96 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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) | Paystub - 1 months;<br> Personal Bank Statements - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 4E134020-C238-432A-8AA2-456879BDD011 | 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 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | XXX | No | No | 2.55 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3441.83 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 0.9300 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 35DA631A-8C64-496A-AFBC-E280F505D8CA | 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 | XXX | Yes | Yes | 3.722 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.1 | 29.83 | 31.1 | 31.63 | 29.15 | 29.83 | Yes | Yes | Yes | 7569.65 | (No Data) | 0 | (No Data) | (No Data) | 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 | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (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;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| C9B025A7-6D68-456D-B6FF-6DAD972844F7 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXX | No | No | 2.449 | Unavailable | (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 | 47.93 | 47.93 | 47.93 | 56.19 | 47.93 | 47.93 | Yes | Yes | Yes | 2709.29 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> Verbal VOE with Income - 1 months | Business Bank Statements - 12 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 750E7379-86C7-4C39-89DA-D2F8A9932154 | 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 | XXX | No | No | 2.575 | 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 | 49.61 | 41.93 | 49.61 | 45.73 | 41.93 | 41.93 | Yes | Yes | Yes | 4521.43 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6D671ECA-D831-4A05-ACD3-50568F905A9E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | 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) | -1300.11 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.0000 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 07A2F11F-78CC-4A51-8C30-069851C05E3C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 0.868 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 14.78 | 16.7 | 14.78 | 16.7 | 16.7 | 16.7 | Yes | Yes | Yes | 39265.83 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9434C0EA-9860-4586-9BA4-0AC4E17617F9 | 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 | U.S. Citizen | (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 | XXX | No | No | 2.644 | Unavailable | (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 | 50.62 | 50.13 | 50.62 | 52.99 | 48.61 | 50.13 | Yes | Yes | Yes | 4533.41 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 5320DDDC-8750-4E96-9F15-DE3603C18681 | 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 | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 4.054 | 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 | 27.39 | 24.89 | 27.39 | 24.89 | 24.89 | 24.89 | Yes | Yes | Yes | 11841.71 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 7B21A673-F178-44E9-8210-1DF647B25073 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 3.533 | 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 | 4.11 | 4.11 | 4.11 | 4.11 | 4.11 | 4.11 | Yes | Yes | Yes | 34519.22 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| F918C537-BFC4-4BE5-A36E-E50F700C1453 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 4.117 | 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 | 42.88 | 34.65 | 42.88 | 34.65 | 34.65 | 34.65 | Yes | Yes | Yes | 4489.21 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 3D69AD30-D275-4CB8-9458-F17D509BDDE9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 3.076 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.5 | 34.95 | 37.5 | 34.95 | 34.95 | 34.95 | No | Yes | Yes | 2165.4 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (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) | 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) | CPA Letter without Income - 1 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 6354A889-73BB-4317-B98D-BBB28B08A2BB | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | Yes | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 1.77 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 11.25 | 11.28 | 11.25 | 11.19 | 9.3 | 10.68 | Yes | Yes | Yes | 65391.65 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| AB60613C-6CC0-4DE2-A84B-1099C3078DAC | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | XXX | No | No | 2.7 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3267.44 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 0.7340 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| E28EA392-A6AB-4F30-B3A1-63E985F19758 | 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) | Yes | No | 1 | XXX | Yes | Yes | 3.557 | 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 | 15.21 | 10.83 | 15.21 | 10.83 | 10.83 | 10.83 | Yes | Yes | Yes | 16310.49 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 7B81C475-A977-4210-8EAF-464B81726A59 | 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 | No | 1 | XXX | Yes | Yes | 2.338 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.12 | 35.57 | 42.12 | 35.57 | 35.57 | 35.57 | Yes | Yes | Yes | 18681.15 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| F8763849-B5A1-408B-85D0-5A92B622C743 | 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 | Yes | Yes | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | No | No | 3.05 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2189.13 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 0.9130 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 6D81CCEF-57E5-4261-9C18-17D075298BDA | 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 | Yes | Yes | No | No | Yes | 6 mos interest on amt prepd if amt prepd is >20% of OPB | (No Data) | No | Yes | 1 | XXX | No | No | 2.6 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2324.48 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.0700 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 972D6747-2080-433E-AB1D-723A1AC5B8A5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 3.888 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.04 | 30.88 | 31.04 | 33.42 | 29.92 | 30.88 | No | Yes | Yes | 2588.7 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> Verbal VOE with Income - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 64E41A47-4E99-422C-A2EE-2A9F5FA2EB3C | 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 | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 0.69 | 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 | Yes | No | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.96 | 35.96 | 35.96 | 35.96 | 35.96 | 35.96 | No | No | (No Data) | 13047 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 24B38F9B-E79E-4994-A9C3-835C7004D00A | 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 | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 2.269 | 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 | Yes | No | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.95 | 40.96 | 41.95 | 40.96 | 40.96 | 40.96 | No | No | (No Data) | 24474.1 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (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) |
| 1668A823-6645-4388-8BF0-E1744F0F46ED | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | XXX | No | No | 3.594 | 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 | 51.94 | 51.95 | 51.94 | 51.95 | 51.95 | 51.95 | No | No | (No Data) | 9241.13 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 24 months | Award Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| A53DB7EF-A6C5-4A4F-AAD1-206C135FCEDB | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | XXX | 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) | -2137.77 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (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 Data) | (No Data) | Yes | 1795.00 | No | (No Data) | 0.8390 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 7CB5BD50-0E75-46C9-BF80-B6B48BD9191C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 3.365 | 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 | 33.06 | 33.06 | 33.06 | 33.06 | 33.06 | 33.06 | No | No | (No Data) | 4041.38 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | 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;<br> CPA Letter with Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| CB355AD1-F799-453E-A888-A95589A8BF8D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 0.562 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 4.96 | 3.75 | 4.96 | 3.75 | 3.75 | 3.75 | No | No | (No Data) | 421509.55 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9D3D7F93-702E-4215-B70F-9E6C8CF801E6 | 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 | Yes | Yes | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | XXX | Yes | No | 4.062 | 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 | 48.22 | 48.22 | 48.22 | 41.9 | 41.9 | 48.22 | No | No | (No Data) | 8796.27 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (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) |
| AEAF52E6-1A19-484F-A62F-4A258125EC2C | 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 | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 3.601 | 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 | 41.04 | 41.04 | 41.04 | 41.04 | 41.04 | 41.04 | No | No | (No Data) | 1888.99 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| F865448A-C2E8-42B7-B2B6-557CBA75F4BE | 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 | XXX | Yes | Yes | 0.768 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 26.65 | 29.79 | 26.65 | 29.79 | 29.79 | 29.79 | Yes | Yes | Yes | 17614.71 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (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) |
| 277E4A2C-8E0B-487A-90DE-08E99F849432 | 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 | No | 1 | XXX | Yes | Yes | 2.309 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 7.76 | 7.61 | 7.76 | 7.61 | 7.61 | 7.61 | Yes | Yes | Yes | 66144.06 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 75FD5A6D-0570-422A-8B15-962E428673E4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 3.01 | 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 | 34.76 | 34.76 | 34.76 | 34.76 | 34.76 | 34.76 | No | No | (No Data) | 4889.01 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 206F8B3F-0E9C-4938-80B5-38E8AEC23168 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 3.239 | 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 | 17.31 | 16.97 | 17.31 | 16.97 | 16.97 | 16.97 | No | No | (No Data) | 24453.5 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 2F37AF95-FF9C-476A-967F-93EBD37CA45F | 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 | No | 1 | XXX | Yes | Yes | 2.43 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | No | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 4.61 | 4.61 | 4.61 | 4.61 | 4.61 | 4.61 | No | No | (No Data) | 63551.6 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 9C41AC33-3B72-4258-9CE5-2A4A6DA44BC2 | 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 | XXX | No | No | 2.268 | 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 | 50.96 | 50.96 | 50.96 | 50.96 | 50.96 | 50.96 | No | No | (No Data) | 5558.5 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 8FD75C95-8E31-40C9-B9AD-6D6F1E7A079B | 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 | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | XXX | No | No | 3.225 | 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 | 47.49 | 46.5 | 47.49 | 46.5 | 46.5 | 46.5 | Yes | Yes | Yes | 2221.15 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| FBF0D4C7-634B-43CB-9022-0086A965848C | 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 | XXX | No | No | 0.905 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.24 | 50.96 | 47.24 | 50.96 | 50.96 | 50.96 | Yes | Yes | Yes | 5739.92 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| A57FFD1C-11B4-4C81-A69E-080FDE20CD3C | 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 | XXX | Yes | Yes | 4.011 | 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 | 29.06 | 29.36 | 29.36 | 29.36 | 29.36 | 29.36 | Yes | Yes | Yes | 7238.27 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 3 | 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 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | (No Data) | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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;<br> Lease Agreement - 12 months;<br> P & L - 12 months;<br> Paystub - 3 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) |
| F7F22B77-415E-4FB4-BFC0-39B770EC47A7 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXX | No | No | 2.314 | 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 | 46.16 | 45.84 | 46.16 | 45.84 | 45.84 | 45.84 | No | No | (No Data) | 4320.28 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 6D8981DE-2E77-47AD-B133-B31301810E92 | 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 | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 1.143 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.76 | 31.64 | 31.76 | 31.64 | 31.64 | 31.64 | Yes | Yes | Yes | 21141.16 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 11F6168B-077B-4268-9D8C-F132DF502796 | 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 | Yes | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 1.698 | 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 | 13.7 | 12.43 | 13.7 | 10.32 | 10.32 | 12.43 | Yes | Yes | Yes | 82639.2 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 4F1E21DE-7153-4B8A-9FFA-CBAE2D0B21F8 | 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 amt prepd | (No Data) | Yes | Yes | 1 | XXX | 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) | -8082.88 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 9200.00 | No | (No Data) | 1.1380 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 1DE69CA0-0053-471F-AA4B-BA77BE4620C2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 3.435 | 0.000 | No | 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 | 34.8 | 36.23 | 34.8 | 36.23 | 36.23 | 36.23 | No | No | (No Data) | 6896.72 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 0F569106-15A7-433C-8099-136529EC6A21 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | XXX | 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) | -4951.87 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 10700.00 | No | (No Data) | 2.1600 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| F658A094-3DE5-453E-909B-FCCA3E3BB019 | 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) | Yes | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | XXX | 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) | -4217.03 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 5973.00 | No | (No Data) | 1.4160 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 67308AA5-2BB2-48AF-88E9-7F2F2DA9BAD8 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXX | Yes | No | 0.231 | 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 | 44.88 | 44.7 | 44.88 | 39.71 | 39.71 | 39.71 | Yes | Yes | Yes | 10192.07 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | 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) | Personal Bank Statements - 12 months | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 628CC9DF-26F6-490A-A228-5F69C580CD0E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 4.456 | 0.000 | No | 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 | 17.63 | 17.58 | 17.63 | 17.58 | 17.58 | 17.58 | No | No | (No Data) | 21352.68 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 37BED81D-3742-4D08-9C89-E6530A148F03 | 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 | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 3.062 | 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 | 32.87 | 29.93 | 32.87 | 29.93 | 29.93 | 29.93 | No | No | (No Data) | 50312.23 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 0A9752B7-2A99-4199-AA5F-7DBCB4D152AE | 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) | Yes | No | 1 | XXX | Yes | Yes | 3.648 | 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 | 5.58 | 5.58 | 5.58 | 5.58 | 5.58 | 5.58 | Yes | Yes | Yes | 58024.08 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 2691D0AD-917E-426E-AE5D-A470DF260790 | 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 | 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 | XXX | No | No | 2.397 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.26 | 44 | 45.26 | 44 | 44 | 44 | No | No | (No Data) | 3914.95 | (No Data) | 0 | (No Data) | (No Data) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | 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 | Paystub - 1 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| FC4EA628-5E65-4BCD-A827-CA5FBEE25D40 | 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 | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | XXX | 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 | 6.66 | 0 | 6.66 | 6.66 | 6.66 | (No Data) | (No Data) | (No Data) | 170303.2 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| B1688318-88F3-456E-8701-FB21CC9C5707 | 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 | No | 1 | XXX | Yes | Yes | 1.481 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.99 | 28.16 | 28.99 | 28.16 | 28.16 | 28.16 | Yes | Yes | Yes | 11672.87 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 4E6C97E4-9ECD-4814-B4EA-545D5B2136D9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 4.815 | 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 | 37.4 | 34.23 | 37.4 | 34.23 | 34.23 | 34.23 | No | No | (No Data) | 4515.19 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 2F8DC8B8-C441-4015-8CDE-7B498274E336 | 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) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 0.471 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 19.17 | 19.17 | 19.17 | 19.17 | 19.17 | 19.17 | No | No | (No Data) | 19281.31 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| ABEC5A85-33E8-412C-84D6-9E2532CB3AF6 | 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) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | XXX | 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 | 28.93 | 0 | 28.93 | 28.93 | 28.93 | (No Data) | (No Data) | (No Data) | 79746.22 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| C9C1CD63-8D4A-4BB5-B3CF-8EFB7D4F9952 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | XXX | No | No | 4.101 | 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 | 49.31 | 49.32 | 49.31 | 49.32 | 49.31 | 49.31 | No | No | (No Data) | 7821.71 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 2F938EC8-8C1A-4FBF-9E61-E9288B744D08 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 3.855 | 0.000 | No | 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 | 38.46 | 39.51 | 38.46 | 39.51 | 39.51 | 39.51 | No | No | (No Data) | 4306.19 | (No Data) | 0 | (No Data) | (No Data) | Yes | XXXXXX | 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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Award Letter - 12 months;<br> Paystub - 2 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 48266F07-679F-445C-8035-E8BE3A8855A1 | 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 | XXX | No | No | 2.348 | 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 | 47.92 | 47.92 | 47.92 | 47.92 | 47.92 | 47.92 | Yes | Yes | Yes | 3929.72 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 20A688B2-1C37-40FF-8CB2-04D6D371F769 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXX | Yes | No | 0.397 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.32 | 42.52 | 43.32 | 42.52 | 42.52 | 42.52 | Yes | Yes | Yes | 7705.82 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 3E78C3CC-8187-419F-891B-5EF1CBCB8099 | 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 | No | 1 | XXX | Yes | Yes | 2.206 | 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 | Yes | No | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 18.57 | 18.57 | 18.57 | 18.57 | 18.57 | 18.57 | No | No | (No Data) | 10911.86 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (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) |
| 8A2C0EB8-00D0-449D-9161-694482853DED | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 2.393 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.31 | 39.31 | 39.31 | 39.31 | 39.31 | 39.31 | No | No | (No Data) | 7197.44 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 6380EAEA-B7D5-4952-925B-5A1B687D9518 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 1.287 | 4.375 | (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 | 18.47 | 18.47 | 18.47 | 18.47 | 18.47 | 18.47 | Yes | No | (No Data) | 26121.96 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 6F92CBBC-9738-431B-8E6D-DD475DCFCEF3 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 1.861 | 0.000 | No | 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 | 24.31 | 24.31 | 24.31 | 24.31 | 24.31 | 24.31 | No | No | (No Data) | 19183.79 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 6A67B485-501D-4FEA-B3EC-7644F0D00478 | 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 | XXX | Yes | Yes | 3.058 | 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 | 5.55 | 5.51 | 5.55 | 5.51 | 5.51 | 5.51 | No | No | (No Data) | 103564.76 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 609330F5-790A-4E5E-A74F-5B41FAAC8068 | 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 | XXX | Yes | Yes | 2.891 | 3.500 | (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) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 4.72 | 4.72 | 4.72 | 4.72 | 4.72 | 4.72 | Yes | No | (No Data) | 40974.13 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| A4A068EE-7143-48F6-8231-3351BC23FC58 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 3.141 | 0.000 | No | 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 | 39 | 39 | 39 | 39 | 39 | 39 | No | No | (No Data) | 7613.59 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (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 without Income - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 1F150C4F-CABF-412E-8D14-1E633C76ED07 | 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 | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 1.715 | 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 | Yes | No | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 16.83 | 16.83 | 16.83 | 16.83 | 16.83 | 16.83 | No | No | (No Data) | 19967.5 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (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) | 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 | CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| B1F18A36-BAAA-4BEB-94E2-715B0E3641DD | 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 | XXX | No | Yes | 1.461 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.88 | 44.07 | 41.88 | 44.07 | 44.07 | 44.07 | Yes | Yes | Yes | 18267.43 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 99CC4461-E1BA-4817-964B-6B0E4699780C | 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 | XXX | Yes | Yes | 1.192 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.04 | 28.96 | 33.04 | 28.96 | 28.96 | 28.96 | No | No | (No Data) | 20172.05 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 8D5989FE-B838-46B3-ADD7-3C063000755A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 1.623 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.83 | 42.79 | 42.83 | 42.79 | 42.79 | 42.79 | No | No | (No Data) | 16277.79 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 51ED3531-BB5F-41F3-AD6C-621D4CDAC067 | 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) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 2.938 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 26.71 | 28.4 | 26.71 | 28.4 | 28.4 | 28.4 | Yes | Yes | Yes | 13204.64 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | Paystub - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 822FDABC-41D0-45AC-B1EE-0E989D84777B | 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) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 2.526 | 4.999 | (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 | 20.75 | 20.75 | 20.75 | 20.75 | 20.75 | 20.75 | No | No | (No Data) | 53223.11 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 844018F1-CC88-430E-A521-993B5BD5F141 | 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 | No | 1 | XXX | Yes | Yes | 1.659 | 0.000 | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | No | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 17.51 | 16.39 | 17.51 | 16.39 | 16.39 | 16.39 | Yes | Yes | Yes | 149269.29 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| DF38C56A-303E-49AE-90EB-321359192D6B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 3.948 | 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 | 28.38 | 28.41 | 28.38 | 28.41 | 28.41 | 28.41 | Yes | Yes | Yes | 19890.64 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (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 | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| EF7AF4F7-753C-4840-86E4-EC877D23BD69 | 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) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 4.346 | 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 | 24.04 | 24.04 | 24.04 | 24.04 | 24.04 | 24.04 | Yes | Yes | Yes | 16614.83 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 302E5FE9-8B17-4521-88EB-A34A5E181D35 | 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 | XXX | No | No | 2.379 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.43 | 48.75 | 47.43 | 48.75 | 48.75 | 48.75 | No | No | (No Data) | 3530.81 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 937FD226-7778-49A8-9E32-DC61D716E26D | 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 | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 0.653 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 1.73 | 1.73 | 1.73 | 1.73 | 1.73 | 1.73 | No | No | (No Data) | 445750.03 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 236EA7D2-89B5-4C9D-A2EE-D8C1EF4EE378 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | XXX | 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) | -10049.39 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (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 Data) | (No Data) | Yes | 6900.00 | No | (No Data) | 0.6690 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| CBD1E27B-5A9E-4926-80CA-1A65C8E2353C | 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 | XXX | Yes | Yes | 4.87 | 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 | 38.84 | 38.84 | 38.84 | 38.84 | 38.84 | 38.84 | Yes | Yes | Yes | 5430.57 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| C18B9CDB-591F-458E-8C2F-B8CFED570216 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | XXX | 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) | -2556.78 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 3900.00 | No | (No Data) | 1.5183 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 7A37690F-8954-463A-8B2E-AAC6E62DFDCC | 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 | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 2.553 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.48 | 41.47 | 41.48 | 41.47 | 41.47 | 41.47 | No | No | (No Data) | 2541.78 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 2F739D52-D3C7-4A24-B25F-07FEF800FDE1 | 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) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 2.355 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.2 | 27.88 | 31.2 | 27.88 | 27.88 | 27.88 | No | No | (No Data) | 16827.61 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| A79D4F7F-D82D-4A1E-A759-2F2C891C089E | 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 | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 2.106 | 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 | Yes | No | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.84 | 36.84 | 36.84 | 36.84 | 36.84 | 36.84 | No | No | (No Data) | 9956.15 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | 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 | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| D3CB271D-D783-4C7A-9C85-80967867CC7E | 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 | XXX | 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) | -2774.91 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 0.9700 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 6127631C-C840-4B92-BFB7-A4D69FBFA7C4 | 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 | Yes | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 1.417 | 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 | 34.41 | 34.41 | 34.41 | 30.68 | 30.68 | 34.41 | Yes | Yes | Yes | 15411.62 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| DA350E09-E9A4-4131-8F04-7D92E05F6E78 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | XXX | 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) | -8681.82 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (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 Data) | (No Data) | Yes | 8700.00 | No | (No Data) | 1.0000 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 5D6EE23C-8DD0-4C20-A803-F597806FDABA | 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 | XXX | No | No | 2.386 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.14 | 48.26 | 48.14 | 48.26 | 48.26 | 48.26 | No | No | (No Data) | 2673.35 | (No Data) | 0 | (No Data) | (No Data) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| A4A7FB75-7B3E-49BE-BAB3-A4028847303A | 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 amt prepd | (No Data) | Yes | Yes | 1 | XXX | 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 | 30.59 | 0 | 30.59 | 30.59 | 30.59 | (No Data) | (No Data) | (No Data) | 15641.77 | (No Data) | 0 | (No Data) | (No Data) | 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) | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> Business Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 51228997-C65C-4374-B292-9F981821B654 | 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 | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 2.079 | 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 | Yes | No | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 17.17 | 16.34 | 17.17 | 16.34 | 16.34 | 16.34 | No | No | (No Data) | 54574.46 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| EA4A3AA7-06CE-41E0-8872-86BE18F0FE06 | 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 | XXX | Yes | Yes | 4.374 | 0.000 | (No Data) | (No Data) | No | No | No | Yes | (No Data) | (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 | 27.45 | 28.97 | 27.45 | 28.97 | 28.97 | 28.97 | No | No | (No Data) | 10283.45 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 13BE6EB3-275E-4690-9750-C3C29B8B950F | 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 | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 0.962 | 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 | Yes | No | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.89 | 29.28 | 34.89 | 29.28 | 29.28 | 29.28 | No | No | (No Data) | 36513.63 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 0C2A15EF-9905-4C6C-9E8B-A6FA9B3ABBE9 | 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 | 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) | Yes | Yes | 1 | XXX | No | No | 3.298 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.21 | 43.42 | 43.21 | 43.42 | 43.42 | 43.42 | No | No | (No Data) | 3129.59 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 3 | 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 | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 3 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 2E446D84-42BE-4124-B7DA-60875A56AEBE | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 3.07 | 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 | 9.24 | 9.24 | 9.24 | 9.24 | 9.24 | 9.24 | No | No | (No Data) | 46673.25 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| B5028E63-213A-4E3E-89E8-C7EFFD556CAD | 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) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 1.729 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 18.88 | 19.6 | 18.88 | 19.6 | 19.6 | 19.6 | Yes | Yes | Yes | 34483.57 | (No Data) | 0 | (No Data) | (No Data) | 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 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> Personal Tax Return - 24 months | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 77106DC4-1909-40C3-B7FB-A2DD7653A2B5 | 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 | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 1.636 | 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 | 7.46 | 8.51 | 7.46 | 8.51 | 8.51 | 8.51 | No | No | (No Data) | 115486.04 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 6820714C-1EA7-4D80-868F-67964F09AB39 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 1.858 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 20.96 | 20.85 | 20.96 | 20.85 | 20.85 | 20.85 | No | No | (No Data) | 83062.4 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| A92F4566-8EAF-4678-A4AF-5579B9A63674 | 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) | Rate and Term Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | XXX | 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) | -2987.92 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (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 Data) | (No Data) | Yes | 5100.00 | No | (No Data) | 1.7070 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 9EE09CB0-9A11-43AA-AB5C-65C035A4E546 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | XXX | 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) | -1867.44 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 2049.00 | No | (No Data) | 1.0972 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| E0079B96-042E-4979-B562-6B44C3AEF7FA | 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 | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | XXX | 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) | -3104.67 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 0.9972 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 9C4EFDF8-D484-4BF2-92BC-DEB4AA96B2BD | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 3.144 | 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 | 3.92 | 3.92 | 3.92 | 3.92 | 3.92 | 3.92 | Yes | Yes | Yes | 67978.85 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 28070B65-2F0B-478B-9F76-2EDF9B66C82F | 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 | No | 1 | XXX | Yes | Yes | 1.798 | 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 | Yes | No | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.87 | 27.44 | 29.87 | 27.44 | 27.44 | 27.44 | No | No | (No Data) | 13248.3 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 510E0FAD-667D-4FDF-9909-5E8673B06451 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | XXX | 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) | -3852.3 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (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 Data) | (No Data) | Yes | 6200.00 | No | (No Data) | 1.6100 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| DDBEE35E-0559-445A-8F9F-B96D899F6924 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | XXX | Yes | No | 9.216 | (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 | 15.62 | 0 | 15.62 | 15.62 | 15.62 | (No Data) | (No Data) | (No Data) | 31753.51 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 3 | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 3 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| ADAE4396-3DB0-45F7-9E07-662FC90D9231 | 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) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXX | No | No | 0.114 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.03 | 48.03 | 48.03 | 48.03 | 48.03 | 48.03 | No | No | (No Data) | 9912.7 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | (No Data) | 0 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | 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) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 0 months | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 59769CF9-E0C2-4B86-9F30-9329006045EA | 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 | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | XXX | 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) | -1717.29 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 1.2200 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 2B283FEB-5AA0-4B91-BD90-601A5D3181DF | 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) | No | No | 1 | XXX | Yes | Yes | 2.565 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 5.15 | 5.15 | 5.15 | 5.15 | 5.15 | 5.15 | No | No | (No Data) | 92671.4 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| E43446C3-888D-47BB-ADEC-63E533C5EBCB | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 2.439 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 24.59 | 28.79 | 24.59 | 28.79 | 28.79 | 28.79 | No | No | (No Data) | 15641.94 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 7E9B2B87-37CC-43E7-9D6A-F671E6BA6531 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | XXX | 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) | -3583.95 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 0.8424 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| CAAEDB4C-9D99-4F9E-BA57-65A74690B57D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent 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 | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | XXX | 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) | -1563.04 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.2900 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 12C3864A-E921-4784-AB03-BBE5623406AB | 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) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 2.393 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.63 | 13.31 | 36.63 | 13.31 | 13.31 | 13.31 | No | No | (No Data) | 43903.88 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| F0285267-BD93-4D00-80FB-0CD3D41C6999 | 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 | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 1.768 | 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 | Yes | No | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.73 | 41.73 | 41.43 | 41.73 | 41.73 | 41.73 | No | No | (No Data) | 6528.73 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (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) |
| F34089DF-A6AC-459C-86A8-4FA37E6DA510 | 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 | No | 1 | XXX | Yes | Yes | 1.669 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 14.99 | 14.99 | 14.99 | 14.99 | 14.99 | 14.99 | No | No | (No Data) | 17065.28 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 4398AAED-7922-4E53-BA6B-4019DC1626FA | 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 | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXX | No | No | 1.636 | 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 | Yes | No | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.78 | 47.3 | 47.78 | 47.3 | 47.3 | 47.3 | No | No | (No Data) | 8281.5 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (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) |
| 8BA4E357-A531-46E5-9D31-AECA9C1739C4 | 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 | XXX | Yes | Yes | 4.963 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 1.33 | 1.33 | 1.33 | 1.33 | 1.33 | 1.33 | Yes | Yes | Yes | 234253.8 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 89188370-E8EE-4E20-8572-2684AF18D83C | 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 | XXX | Yes | Yes | 2.065 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 6.14 | 6.74 | 6.14 | 6.74 | 6.74 | 6.74 | No | No | (No Data) | 71408.09 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| F6E427B9-2550-4E74-AF50-B96BD33748F8 | 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 | XXX | Yes | Yes | 2.185 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.85 | 39.55 | 39.85 | 39.55 | 39.55 | 39.55 | No | No | (No Data) | 7515.57 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| E3815CF7-CA23-48D8-80FD-1AA0781FCDD9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 0.256 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.98 | 32.63 | 35.98 | 32.63 | 32.63 | 32.63 | Yes | Yes | Yes | 11746.45 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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> Verbal VOE with Income - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| A40105D2-D55E-459E-8F60-DF46C5C4B0A4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | XXX | 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) | -2843.14 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 3250.00 | No | (No Data) | 1.1430 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 995AFE26-2D29-4BBF-A0CB-F27C8C63BE29 | 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) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | XXX | No | No | 8.34 | (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) | -3828.23 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 5045.00 | No | (No Data) | 1.1610 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 8BFAD171-148E-48AD-B479-5E5F91EB6AC2 | 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 | XXX | Yes | Yes | 0.73 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.96 | 36.96 | 36.96 | 36.96 | 36.96 | 36.96 | Yes | Yes | Yes | 4348.39 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| D9570785-C646-4090-B0D5-545FB15C3A26 | 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) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXX | No | No | 2.871 | 0.000 | No | 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 | 47.34 | 47.34 | 47.34 | 47.34 | 47.34 | 47.34 | No | No | (No Data) | 5831.29 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| ECB508A1-4520-4E82-8A7A-8088703B1720 | 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 | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 2.221 | 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 | Yes | No | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 10.67 | 10.67 | 10.67 | 10.67 | 10.67 | 10.67 | No | No | (No Data) | 50788.74 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (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) |
| 83DAC698-1185-479B-94FE-C945A068FED0 | 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 | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | XXX | 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) | -2775.33 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 0.7206 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 00AE001B-9CFE-4C86-870B-BDB5298F7605 | 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) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | XXX | 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) | -4345.42 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (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 Data) | (No Data) | Yes | 5800.00 | No | (No Data) | 1.3200 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 3DED74C1-570A-4314-8D5C-18F6418E824A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 2.491 | 0.000 | No | 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 | 32.85 | 32.85 | 32.85 | 32.85 | 32.85 | 32.85 | No | No | (No Data) | 5287.18 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 374E37FA-549E-4C36-AF1C-1438591E7CC6 | 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 | Yes | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 1.025 | 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 | 28.35 | 35.45 | 28.35 | 27.24 | 27.24 | 35.45 | No | No | (No Data) | 20927.34 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| E8A4A17B-54E7-44FC-976B-45B8672E7C90 | 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) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 1.477 | 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 | Yes | No | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 22.13 | 22.57 | 22.13 | 22.57 | 22.57 | 22.57 | No | No | (No Data) | 8391.47 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| B07FAD04-57EA-44FB-AE8B-D5169BC46CDD | 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 | XXX | Yes | Yes | 1.953 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.85 | 37.57 | 37.85 | 37.57 | 37.57 | 37.57 | Yes | Yes | Yes | 5836.42 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 79208596-2D3B-4AEE-BA60-BFED0B45D3AD | 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) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXX | Yes | No | 1.974 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.2 | 40.36 | 43.2 | 40.36 | 40.36 | 42.77 | Yes | Yes | Yes | 24722.56 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 501FB992-5D11-48DD-9636-67E56346F560 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | XXX | No | No | 0.611 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2501.49 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.0300 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 4F29CC17-F2C7-4D6F-AECB-5473FE57DD3A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | XXX | 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) | -4541.14 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 0.8367 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 91673CD4-C896-4F89-9D43-A4371122F622 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | XXX | 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) | -2398.58 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 2450.00 | No | (No Data) | 1.0200 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 54C5A0CA-7DD9-481F-BE8F-DE8B496115C9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | XXX | 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 | 8.85 | 0 | 8.85 | 8.85 | 10.27 | (No Data) | (No Data) | (No Data) | 64563.78 | (No Data) | 0 | (No Data) | (No Data) | 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 | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 12 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 8BCA00CD-C08C-440E-935F-BCFAF327B17C | 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 | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | XXX | 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) | -3016.71 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 2575.00 | No | (No Data) | 1.2780 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| E50994B1-8890-4493-86F7-099013795C30 | 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) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 2.224 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.83 | 38.32 | 38.83 | 38.32 | 38.32 | 38.32 | Yes | Yes | Yes | 9487.92 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 2FE3046D-289D-48E6-AECA-DBED60D85D4F | 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) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | No | No | 5.178 | (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 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2446.45 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 36 | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 0.01 | 1.7780 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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;<br> Lease Agreement - 36 months | DSCR - w/lease agreement - 0 months;<br> Lease Agreement - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 93ED1AFE-AC45-432C-A1B2-C189E774C2D9 | 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) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXX | No | No | 2.339 | (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) | -3041.96 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.6650 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 34F51F4A-296A-4720-910F-0F2E85C4BA23 | 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) | Rate and Term Refi | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | No | No | 7.47 | (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) | -1770.4 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 0.01 | 1.0500 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 1B980FDE-9613-4A66-BF26-FCD813243A60 | 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) | Rate and Term 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 | XXX | No | No | 4.793 | (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) | -4052.71 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 0.01 | 1.0363 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| FEBB4064-1854-455E-93C1-59A47FD200D2 | 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 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | No | No | 5.348 | (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) | -1762.49 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 0.01 | 1.3330 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 17F20C8B-ADB7-40B1-BBE2-381735D5B5F6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | No | No | 5.925 | (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) | -1624.99 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.3850 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 61207274-7D72-4F0F-8461-F1A34385999C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | No | No | 5.77 | (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) | -3201.97 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 0.01 | 1.6550 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| A0135EB8-AA3C-4B48-A7AF-157283D7901D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | No | No | 6.249 | (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) | -3211.38 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 0.01 | 1.6530 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 4ACCD13B-5E3B-4268-BD2A-2FD23D9F02FD | 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 | Yes | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | No | No | 4.247 | (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) | -1294.19 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 0.01 | 1.0820 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 8DD70FCF-F0B3-4914-AA7E-4E85195F6F58 | 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 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | No | No | 6.602 | (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) | -2079.2 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 0.01 | 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/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 687E00D4-0CAD-4C5E-9791-52DE1D5B377A | 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 | No | (No Data) | (No Data) | No | Yes | 1 | XXX | Yes | No | 1.166 | (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 | 32.6 | 0 | 32.6 | 32.6 | 39.17 | (No Data) | (No Data) | (No Data) | 6798.66 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | 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) | 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> CPA Letter without Income - 60 months;<br> Lease Agreement - 12 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 8AE306D8-EF0D-47B8-898F-3A7BE08EB7A3 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 3.345 | 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 | 20.7 | 20.7 | 20.7 | 20.7 | 20.7 | 20.7 | No | No | (No Data) | 11205.4 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 144 | 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 - 144 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| BE5EEAE7-5868-4BE2-A58A-B710C8E6AC45 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | XXX | No | No | 3.48 | (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) | -2323.31 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 0.01 | 1.2910 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | DSCR - w/lease agreement - 0 months;<br> Lease Agreement - 1 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 7053331B-DD8B-4063-A07F-E44B6418F402 | 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 | XXX | Yes | Yes | 2.24 | Unavailable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.22 | 34.22 | 34.22 | 34.22 | 34.22 | 34.22 | No | No | (No Data) | 11644.71 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (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 without Income - 72 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| E7CAE37B-B721-42B4-BCB6-4CCC1D02BF53 | 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 | Yes | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | XXX | No | No | 3.465 | (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) | -2245.73 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 0.01 | 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/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| B8A090CB-32F9-4321-A353-937F3447D94B | 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 | No | 1 | XXX | Yes | Yes | 2.265 | Not Applicable | No | No | No | No | No | No | Yes | No | No | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.53 | 30.53 | 30.53 | 30.53 | 30.53 | 30.53 | No | No | (No Data) | 7067.61 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 3A0DA56F-B0A4-4781-A5A0-273C767E0550 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | XXX | No | No | 2.449 | (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 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3812.46 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 0.01 | 1.7050 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| B5ECA2BD-F4A8-4BA6-A5A5-05D89BEDC493 | 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) | 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 | XXX | No | No | 3.87 | (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) | -4646.47 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.0060 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| E1CD63B1-0BD4-425F-B473-FBE331AD1ABA | 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 | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXX | No | No | 1.857 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | Yes | Yes | Yes | -11674.16 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 6 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 33A0658B-FC39-402E-B45C-0BCA7FADAB88 | 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) | Cashout Refi | No | No | No | No | Yes | 6 mos interest of amt prepaid in 36 mos if amt prepd >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | No | No | 6.065 | (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) | -1137.66 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 0.01 | 1.1690 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 7F8EF4B9-FDEA-4AB4-A2FA-CB53CA5FB755 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | XXX | Yes | Yes | 3.427 | Unavailable | (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 | 26.6 | 26.57 | 26.6 | 26.57 | 26.57 | 26.57 | No | No | (No Data) | 7461.45 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 33C936D4-B889-4160-BC5A-458962699350 | 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) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXX | No | No | 2.571 | (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) | -1493.72 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.1050 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 5EE8BD3A-7652-442D-B057-857AB39EEB43 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXX | 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) | -4661.95 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 0.01 | 1.3299 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 7D3326F6-A2E6-470A-9F24-4D6957803B93 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (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 | XXX | No | No | 2.321 | (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) | -2648.03 | (No Data) | 0 | (No Data) | (No Data) | 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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 0.01 | 1.2080 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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;<br> Lease Agreement - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| E9E20027-03CB-4B5C-B970-F5231822FABB | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable | (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) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXX | No | No | 3.304 | (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) | -2083.83 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.1920 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| D7113572-E8AB-4076-8DEA-7D1A5AA23579 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXX | Yes | Yes | 0.677 | Not Applicable | No | No | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 3.48 | 3.52 | 3.48 | 3.52 | 3.52 | 3.52 | No | No | (No Data) | 54432.62 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 13 months | Business Bank Statements - 13 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 498BD81B-2141-44D9-AC65-2EAEBD6632A5 | 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 | XXX | No | No | 3.111 | (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) | -795.25 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 0.01 | 1.7480 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 68716E88-C496-4691-9FF2-F67B0BCD78F5 | 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 | No | (No Data) | (No Data) | No | Yes | 1 | XXX | No | No | 2.99 | (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) | -942.27 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 0.01 | 1.3743 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| FD04F341-B306-44AD-9E9B-7D0E3838037B | 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) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | XXX | No | No | 3.067 | (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) | -962.5 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 0.01 | 1.3100 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| B70673CE-5C8C-4655-8867-D0921CDF4519 | 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 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | No | No | 4.706 | (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) | -2192.9 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | Yes | 0.01 | No | (No Data) | 1.0490 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 0E539563-12D4-4AC6-B947-6B7B3D7979D0 | 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 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | XXX | No | No | 3.322 | (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) | -1129.34 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | Yes | 0.01 | 1.7710 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| BCDD146E-4237-4345-BB1C-D1082FFB1A9A | 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 | No | 1 | XXX | Yes | Yes | 0.444 | 0.000 | (No Data) | (No Data) | No | No | No | No | No | No | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 1.69 | 1.59 | 1.69 | 1.59 | 1.59 | 1.59 | No | No | (No Data) | 306703.48 | (No Data) | 0 | (No Data) | (No Data) | 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 Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |

---

## Exhibit 99.3

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **GSMBS 2025-R1** |
| **Start - End Dates:** | **3/6/2019 - 1/3/2022** |
| **Deal Loan Count:** | **236** |
| **Rating Agency ATR QM Data Fields** |  |
| *Loans in Report:* | *236* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| DE0D99EA-E625-4C04-A67D-A5F80E47704A | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2C1DBEF6-3134-48E5-886D-CE9F01AF3C38 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 454B9A53-568A-4E22-801B-4AF168055246 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| A39CF756-DABF-4C07-B020-B35F42165885 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| F74EEF02-A220-48A1-875D-5088605B4E6E | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| D310E561-CFAB-4EA6-A8B9-33898C713E7B | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 3F0D2F20-2CC3-4AB5-9F99-FAED2343D372 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 922E51BF-51BC-4C68-94C7-E77115B74388 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| A33FC36A-BEA8-4F21-8C11-30815773715B | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 642 |
| 2F386B96-BC29-425A-B42C-9B40079FE956 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 5107.95 |
| 9DA22C31-A23A-492D-889C-8FFAC8E5FFE9 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| C3B569E5-EF20-4AFF-9DCC-817533F155DC | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3048.52 |
| DF4AEE95-49B3-4A78-8179-73D37BA0248F | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| BA6BFB1C-286F-49C4-96D7-FBFE295DDBE8 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 7374.86 |
| 6EA3FDC3-4974-488F-AB8D-77A953D1B8BC | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 3893.1 |
| C19A84A3-3439-4543-B9C4-C8502263E570 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 8895.33 |
| 45DB5893-CD20-4C07-963D-844B6ADF3521 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 36951 |
| 262EADCE-6F1A-404D-BEE7-BAC687131608 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 5661.77 |
| 264034C1-A4F2-467A-9C81-B930A30BCA95 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 4409.82 |
| 95697803-C793-4601-83C9-9A1312FEB1A0 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| E285DE3B-9AA2-4068-8AE3-86576A6F0C61 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 12857.64 |
| AE6CD2C0-11C4-49EF-9FCD-F603823A6FEF | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 5947.11 |
| 61CC8C97-C25E-4B04-A42E-E61576EF8E5A | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 4155 |
| 937D9145-117C-4C5E-ABCC-5C636E146FE5 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| F0DF7AC2-F6A9-4D28-AE4A-25C7236B90CE | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 3C16D5D4-FF33-4995-A30F-6D325B8F0209 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 3DE250D7-6296-42F1-8027-107E45E36F29 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 857675C9-0246-40A3-947C-97BACBF4395B | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| F4531E07-734E-475E-8463-206DA6844624 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 6807.75 |
| A7D92A4B-9F5F-4809-BBC3-0E799FB4E863 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 4CE20EC2-13FB-4D2B-B6E6-FCC71FDBF331 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 1603.68 |
| 58CB9F87-02CC-401C-ABBB-C988D8C440EA | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 68388CF5-32FC-4EBE-9804-291A29D44625 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| F21CA58C-CAB8-48AB-B163-419A987FFB67 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 7517.69 |
| CEDE2A87-4EA3-4A72-AB30-F59DE728A608 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9069C7A5-BD31-497E-8901-B37A809F3B49 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| D0674952-DD7F-43B3-8346-B93B2F755D1F | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6392.74 |
| 9FAFFC9A-33AD-4D91-B401-D19C570D85F0 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3827 |
| 962010E8-78B0-4664-A3EC-23080EA3B824 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2562.41 |
| B6A93508-C796-4F38-8590-944573973EDC | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 635 |
| 6BFCDCF8-15FA-41D7-89ED-2EC4ED853192 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 84E14C8F-0532-43DD-BF8A-87333049689E | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 15F29BCD-224A-4BF3-BEC5-9283D0557FCA | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 5597.77 |
| 61245013-93E4-412E-B035-B8D638C1D3F0 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 32626.53 |
| 45456F3F-59F6-4699-A13D-99BD96B9D67D | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 28EB3E36-1ED5-451C-836C-418C24E8B8E2 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 10097.85 |
| 9974BE17-5C27-4C80-B5AA-5D9A19CB7FCB | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| C09A70A0-80F0-40E7-A49E-B7D1797A2E6F | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 8987.2 |
| 070AEED0-2381-48EC-A85D-73AF2B56DED8 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 1185.13 |
| 1C1AC1F0-1FA1-471F-A667-1B3313E5D01D | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 22937 |
| 9AE4E20F-8FD2-4E20-932B-AD70BFC23FEF | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 6281.26 |
| 7E7978CD-4E3F-4E86-ACB5-D09BFB2292A4 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| BC90A295-F19E-4654-9B6C-B4ECDE76E80E | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9BC3C73E-DF8F-4157-A85F-FF44ACC448C1 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 5290.76 |
| DCB21B0E-E739-4845-9862-07C7D5F2BDDD | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 92.73 |
| 40C32F15-5987-4B54-AD03-51B0D175E5B4 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 14263.34 |
| 188F674D-199D-4490-AEB5-C46ADB5D5ECF | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 4122.48 |
| C4DD6106-3D31-42EF-86F2-467031D505BC | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3574.47 |
| 4A8C4E3C-8879-4D1F-8958-E3180100FF85 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 28389.36 |
| A220F724-488E-4C1D-991B-1EB58FA827CA | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 1BC334C5-C81B-412A-AB92-3D538A2F5829 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| F140AF22-206C-416B-8F89-049B26526185 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| F6DC7EFC-A814-4358-B77E-19DA855FDD38 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 83D32E4B-5AB7-4B91-87F9-FF89587E87C4 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 3265 |
| 91AEC143-F52C-4EEC-97C8-F03F06EBCD21 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 1084.6 |
| 32246274-4F8D-41EE-9EAA-D66771E643F6 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 47310.07 |
| 47118383-A0B1-4261-AB22-20F8F5D768EF | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 1835.96 |
| 0FFF1CF1-3DA8-4000-BE0E-5A273FF1B6F6 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 1852.82 |
| DC80BF7B-001B-40F8-AAEE-96A447F25D34 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 3940B26B-9E78-4C4C-8841-01016CA5D5E2 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| A54BC9EA-B62E-4711-85D5-A5D44850E9E0 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 14962.74 |
| 760393B9-C0D2-40D4-A205-1ECDBC02E0DE | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 4E134020-C238-432A-8AA2-456879BDD011 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 35DA631A-8C64-496A-AFBC-E280F505D8CA | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6069.65 |
| C9B025A7-6D68-456D-B6FF-6DAD972844F7 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 2709.29 |
| 750E7379-86C7-4C39-89DA-D2F8A9932154 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6285.95 |
| 6D671ECA-D831-4A05-ACD3-50568F905A9E | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 07A2F11F-78CC-4A51-8C30-069851C05E3C | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 43887.2 |
| 9434C0EA-9860-4586-9BA4-0AC4E17617F9 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | Yes | 3033.41 |
| 5320DDDC-8750-4E96-9F15-DE3603C18681 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 9341.71 |
| 7B21A673-F178-44E9-8210-1DF647B25073 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | 33019.22 |
| F918C537-BFC4-4BE5-A36E-E50F700C1453 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 2989.21 |
| 3D69AD30-D275-4CB8-9458-F17D509BDDE9 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 2155.99 |
| 6354A889-73BB-4317-B98D-BBB28B08A2BB | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 70096.02 |
| AB60613C-6CC0-4DE2-A84B-1099C3078DAC | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| E28EA392-A6AB-4F30-B3A1-63E985F19758 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 14059 |
| 7B81C475-A977-4210-8EAF-464B81726A59 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 17181 |
| F8763849-B5A1-408B-85D0-5A92B622C743 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6D81CCEF-57E5-4261-9C18-17D075298BDA | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 972D6747-2080-433E-AB1D-723A1AC5B8A5 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 1693.73 |
| 64E41A47-4E99-422C-A2EE-2A9F5FA2EB3C | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 24B38F9B-E79E-4994-A9C3-835C7004D00A | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 1668A823-6645-4388-8BF0-E1744F0F46ED | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| A53DB7EF-A6C5-4A4F-AAD1-206C135FCEDB | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7CB5BD50-0E75-46C9-BF80-B6B48BD9191C | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| CB355AD1-F799-453E-A888-A95589A8BF8D | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 9D3D7F93-702E-4215-B70F-9E6C8CF801E6 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| AEAF52E6-1A19-484F-A62F-4A258125EC2C | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| F865448A-C2E8-42B7-B2B6-557CBA75F4BE | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 11457 |
| 277E4A2C-8E0B-487A-90DE-08E99F849432 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 0 |
| 75FD5A6D-0570-422A-8B15-962E428673E4 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 206F8B3F-0E9C-4938-80B5-38E8AEC23168 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 2F37AF95-FF9C-476A-967F-93EBD37CA45F | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9C41AC33-3B72-4258-9CE5-2A4A6DA44BC2 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 8FD75C95-8E31-40C9-B9AD-6D6F1E7A079B | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 215 |
| FBF0D4C7-634B-43CB-9022-0086A965848C | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 0 |
| A57FFD1C-11B4-4C81-A69E-080FDE20CD3C | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 4600.45 |
| F7F22B77-415E-4FB4-BFC0-39B770EC47A7 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 6D8981DE-2E77-47AD-B133-B31301810E92 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 20636 |
| 11F6168B-077B-4268-9D8C-F132DF502796 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 78025 |
| 4F1E21DE-7153-4B8A-9FFA-CBAE2D0B21F8 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 1DE69CA0-0053-471F-AA4B-BA77BE4620C2 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 0F569106-15A7-433C-8099-136529EC6A21 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| F658A094-3DE5-453E-909B-FCCA3E3BB019 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 67308AA5-2BB2-48AF-88E9-7F2F2DA9BAD8 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 7345 |
| 628CC9DF-26F6-490A-A228-5F69C580CD0E | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 37BED81D-3742-4D08-9C89-E6530A148F03 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 0A9752B7-2A99-4199-AA5F-7DBCB4D152AE | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 56524.28 |
| 2691D0AD-917E-426E-AE5D-A470DF260790 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | Non-Permanent Resident Alien | U.S. Citizen | (No Data) | No | 0 |
| FC4EA628-5E65-4BCD-A827-CA5FBEE25D40 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| B1688318-88F3-456E-8701-FB21CC9C5707 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 10172.87 |
| 4E6C97E4-9ECD-4814-B4EA-545D5B2136D9 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 2F8DC8B8-C441-4015-8CDE-7B498274E336 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| ABEC5A85-33E8-412C-84D6-9E2532CB3AF6 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| C9C1CD63-8D4A-4BB5-B3CF-8EFB7D4F9952 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 2F938EC8-8C1A-4FBF-9E61-E9288B744D08 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 48266F07-679F-445C-8035-E8BE3A8855A1 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 21692.28 |
| 20A688B2-1C37-40FF-8CB2-04D6D371F769 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 6134 |
| 3E78C3CC-8187-419F-891B-5EF1CBCB8099 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 8A2C0EB8-00D0-449D-9161-694482853DED | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 6380EAEA-B7D5-4952-925B-5A1B687D9518 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 0 |
| 6F92CBBC-9738-431B-8E6D-DD475DCFCEF3 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 6A67B485-501D-4FEA-B3EC-7644F0D00478 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 609330F5-790A-4E5E-A74F-5B41FAAC8068 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 0 |
| A4A068EE-7143-48F6-8231-3351BC23FC58 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 1F150C4F-CABF-412E-8D14-1E633C76ED07 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| B1F18A36-BAAA-4BEB-94E2-715B0E3641DD | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 0 |
| 99CC4461-E1BA-4817-964B-6B0E4699780C | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 8D5989FE-B838-46B3-ADD7-3C063000755A | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 51ED3531-BB5F-41F3-AD6C-621D4CDAC067 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 25508.88 |
| 822FDABC-41D0-45AC-B1EE-0E989D84777B | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 844018F1-CC88-430E-A521-993B5BD5F141 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 145721 |
| DF38C56A-303E-49AE-90EB-321359192D6B | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 7839 |
| EF7AF4F7-753C-4840-86E4-EC877D23BD69 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 19621.02 |
| 302E5FE9-8B17-4521-88EB-A34A5E181D35 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 937FD226-7778-49A8-9E32-DC61D716E26D | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 236EA7D2-89B5-4C9D-A2EE-D8C1EF4EE378 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| CBD1E27B-5A9E-4926-80CA-1A65C8E2353C | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3746 |
| C18B9CDB-591F-458E-8C2F-B8CFED570216 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7A37690F-8954-463A-8B2E-AAC6E62DFDCC | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 2F739D52-D3C7-4A24-B25F-07FEF800FDE1 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| A79D4F7F-D82D-4A1E-A759-2F2C891C089E | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| D3CB271D-D783-4C7A-9C85-80967867CC7E | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6127631C-C840-4B92-BFB7-A4D69FBFA7C4 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 12577 |
| DA350E09-E9A4-4131-8F04-7D92E05F6E78 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 5D6EE23C-8DD0-4C20-A803-F597806FDABA | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| A4A7FB75-7B3E-49BE-BAB3-A4028847303A | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 51228997-C65C-4374-B292-9F981821B654 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| EA4A3AA7-06CE-41E0-8872-86BE18F0FE06 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | Yes | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 13BE6EB3-275E-4690-9750-C3C29B8B950F | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 0C2A15EF-9905-4C6C-9E8B-A6FA9B3ABBE9 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 |
| 2E446D84-42BE-4124-B7DA-60875A56AEBE | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| B5028E63-213A-4E3E-89E8-C7EFFD556CAD | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 0 |
| 77106DC4-1909-40C3-B7FB-A2DD7653A2B5 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 6820714C-1EA7-4D80-868F-67964F09AB39 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| A92F4566-8EAF-4678-A4AF-5579B9A63674 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9EE09CB0-9A11-43AA-AB5C-65C035A4E546 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| E0079B96-042E-4979-B562-6B44C3AEF7FA | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9C4EFDF8-D484-4BF2-92BC-DEB4AA96B2BD | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 0 |
| 28070B65-2F0B-478B-9F76-2EDF9B66C82F | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 510E0FAD-667D-4FDF-9909-5E8673B06451 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| DDBEE35E-0559-445A-8F9F-B96D899F6924 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| ADAE4396-3DB0-45F7-9E07-662FC90D9231 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 59769CF9-E0C2-4B86-9F30-9329006045EA | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2B283FEB-5AA0-4B91-BD90-601A5D3181DF | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| E43446C3-888D-47BB-ADEC-63E533C5EBCB | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 7E9B2B87-37CC-43E7-9D6A-F671E6BA6531 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| CAAEDB4C-9D99-4F9E-BA57-65A74690B57D | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 12C3864A-E921-4784-AB03-BBE5623406AB | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| F0285267-BD93-4D00-80FB-0CD3D41C6999 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| F34089DF-A6AC-459C-86A8-4FA37E6DA510 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 4398AAED-7922-4E53-BA6B-4019DC1626FA | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 8BA4E357-A531-46E5-9D31-AECA9C1739C4 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 15374.22 |
| 89188370-E8EE-4E20-8572-2684AF18D83C | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| F6E427B9-2550-4E74-AF50-B96BD33748F8 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| E3815CF7-CA23-48D8-80FD-1AA0781FCDD9 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | Yes | 0 |
| A40105D2-D55E-459E-8F60-DF46C5C4B0A4 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 995AFE26-2D29-4BBF-A0CB-F27C8C63BE29 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 8BFAD171-148E-48AD-B479-5E5F91EB6AC2 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2098 |
| D9570785-C646-4090-B0D5-545FB15C3A26 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| ECB508A1-4520-4E82-8A7A-8088703B1720 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 83DAC698-1185-479B-94FE-C945A068FED0 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 00AE001B-9CFE-4C86-870B-BDB5298F7605 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 3DED74C1-570A-4314-8D5C-18F6418E824A | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 374E37FA-549E-4C36-AF1C-1438591E7CC6 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| E8A4A17B-54E7-44FC-976B-45B8672E7C90 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| B07FAD04-57EA-44FB-AE8B-D5169BC46CDD | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3378 |
| 79208596-2D3B-4AEE-BA60-BFED0B45D3AD | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 22548 |
| 501FB992-5D11-48DD-9636-67E56346F560 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 4F29CC17-F2C7-4D6F-AECB-5473FE57DD3A | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 91673CD4-C896-4F89-9D43-A4371122F622 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 54C5A0CA-7DD9-481F-BE8F-DE8B496115C9 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 8BCA00CD-C08C-440E-935F-BCFAF327B17C | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| E50994B1-8890-4493-86F7-099013795C30 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 6910 |
| 2FE3046D-289D-48E6-AECA-DBED60D85D4F | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 93ED1AFE-AC45-432C-A1B2-C189E774C2D9 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 34F51F4A-296A-4720-910F-0F2E85C4BA23 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 1B980FDE-9613-4A66-BF26-FCD813243A60 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| FEBB4064-1854-455E-93C1-59A47FD200D2 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 17F20C8B-ADB7-40B1-BBE2-381735D5B5F6 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 61207274-7D72-4F0F-8461-F1A34385999C | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| A0135EB8-AA3C-4B48-A7AF-157283D7901D | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 4ACCD13B-5E3B-4268-BD2A-2FD23D9F02FD | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 8DD70FCF-F0B3-4914-AA7E-4E85195F6F58 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 687E00D4-0CAD-4C5E-9791-52DE1D5B377A | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 8AE306D8-EF0D-47B8-898F-3A7BE08EB7A3 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| BE5EEAE7-5868-4BE2-A58A-B710C8E6AC45 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7053331B-DD8B-4063-A07F-E44B6418F402 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| E7CAE37B-B721-42B4-BCB6-4CCC1D02BF53 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| B8A090CB-32F9-4321-A353-937F3447D94B | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 3A0DA56F-B0A4-4781-A5A0-273C767E0550 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| B5ECA2BD-F4A8-4BA6-A5A5-05D89BEDC493 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| E1CD63B1-0BD4-425F-B473-FBE331AD1ABA | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3417.6 |
| 33A0658B-FC39-402E-B45C-0BCA7FADAB88 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7F8EF4B9-FDEA-4AB4-A2FA-CB53CA5FB755 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 33C936D4-B889-4160-BC5A-458962699350 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 5EE8BD3A-7652-442D-B057-857AB39EEB43 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7D3326F6-A2E6-470A-9F24-4D6957803B93 | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| E9E20027-03CB-4B5C-B970-F5231822FABB | ATR/QM: Not Applicable | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| D7113572-E8AB-4076-8DEA-7D1A5AA23579 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 498BD81B-2141-44D9-AC65-2EAEBD6632A5 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 68716E88-C496-4691-9FF2-F67B0BCD78F5 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| FD04F341-B306-44AD-9E9B-7D0E3838037B | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| B70673CE-5C8C-4655-8867-D0921CDF4519 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 0E539563-12D4-4AC6-B947-6B7B3D7979D0 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| BCDD146E-4237-4345-BB1C-D1082FFB1A9A | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | XXX | XXXXXX | XXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

---

## Exhibit 99.3

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 245 | 249 | 253 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 |
| **Loan Number** | **Seller Loan Number** | **Borrower 1 Last Name** | **Borrower 1 First Name** | **Borrower 2 Guarantor Flag** | **Borrower 2 Last Name** | **Borrower 2 First Name** | **Borrower 3 Guarantor Flag** | **Borrower 3 Last Name** | **Borrower 3 First Name** | **Borrower 4 Guarantor Flag** | **Borrower 4 Last Name** | **Borrower 4 First Name** | **Borrowing Entity Name** | **Borrower 2 Borrowing Entity Name** | **Address Street** | **Address Street 2** | **Address City** | **Address State** | **Address Zip** | **Loan Type** | **Product Type** | **Amortization Type** | **Note Status** | **Original Principal Balance** | **Note Date** | **First Payment Date** | **Note Rate** | **Note P&I** | **Payment Frequency** | **Maturity Date** | **Note Term** | **Amortized Term** | **Balloon** | **Balloon Term** | **Interest Only Period** | **Interest Only Term** | **Prepayment Penalty** | **Prepayment Penalty Term** | **Prepayment Penalty Type** | **Buydown** | **Buydown Period** | **Index** | **Look Back Period** | **Margin** | **Rounding Method** | **Max Rate At First Adj** | **Min Rate At First Adj** | **Rate Change Frequency** | **Payment Change Frequency** | **First Rate Change Date** | **First Payment Change Date** | **Next Rate Change Date** | **Next Pay Change Date** | **Periodic Rate Cap** | **Negative Amortization Principal Cap** | **Periodic Payment Cap Code** | **Maximum Rate** | **Minimum Rate** | **Lender Name** | **Origination Channel** | **Loan Modified** | **Reason For Modification** | **Mod Product Type** | **Modified Note Status** | **Modified Note Date** | **Note Amort Type Mod** | **Loan Amount Mod** | **Note Rate Mod** | **Note P&I Mod** | **Payment Frequency Mod** | **First Payment Date Mod** | **Maturity Date Mod** | **Loan Term Mod** | **Balloon Mod** | **Balloon Term Mod** | **Interest Only Period Mod** | **Interest Only Term Mod** | **Index Mod** | **Lookback Period Mod** | **Margin Mod** | **Rounding Method Mod** | **Max Rate At First Adj Mod** | **Min Rate At First Adj Mod** | **Rate Change Frequency Mod** | **Pay Change Frequency Mod** | **First Rate Change Date Mod** | **First Payment Change Date Mod** | **Next Rate Change Date Mod** | **Next Pay Change Date Mod** | **Periodic Rate Cap Mod** | **Negative Amortization Principal Cap Mod** | **Periodic Payment Cap Code Mod** | **Maximum Rate Mod** | **Minimum Rate Mod** | **Occupancy** | **Loan Purpose** | **Cash To Borrower At Close** | **Total Cash Out** | **Appraisal Status** | **Appraisal Form** | **Appraisal Date** | **Appraised Value** | **Sales Price** | **Value for LTV** | **Property Type** | **Number of Units** | **Year Built** | **Location** | **Occupancy Status** | **Appraisal Made** | **Site Value** | **Appraisal Review Type** | **Appraisal Review Value** | **LTV** | **CLTV** | **HCLTV** | **Mortgage Status** | **County** | **MIN Number** | **Transaction Date** | **Assumable** | **Mandatory Arbitration** | **Mortgage Insurance Required Indicator** | **Mortgage Cert in File** | **MI Paid By Borrower or Lender** | **MI Cert Number** | **MI Company** | **MI Percent of Coverage** | **MI Monthly Payment** | **Lien Position** | **Title Status** | **Other Liens** | **Other Lien Balance** | **Other Lien Payment** | **Title Doc Type** | **Title Interest Type** | **Property Tax Amount** | **Hazard Insurance Premium Amount** | **Flood Insurance Issuer** | **Flood Insurance Policy Mandatory** | **Flood Insurance Premium Amount** | **HOA Monthly Premium Amount** | **Application Status** | **Application Date** | **Number In Household** | **Relocation Loan** | **Credit Report Status** | **Credit Report Date** | **Longest Tradeline** | **Max Tradeline Amount** | **Number of Tradelines Open** | **Late Payments x30** | **Late Payments x60** | **Late Payments x90** | **Borrower 1 SSN** | **Borrower 1 Date of Birth** | **Borrower 1 Age** | **Borrower 1 Occupation** | **Borrower 1 Years On Job** | **Borrower 1 Years In Field** | **Borrower 1 Self Employed** | **Borrower 1 First Time Home Buyer** | **Borrower 1 Gender** | **Borrower 1 US Citizen** | **Borrower 1 Permanent Resident** | **Borrower 1 Non Permanent Resident** | **Borrower 1 Residency Basis Type** | **Borrower 1 Residency Duration Years** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Race 2** | **Borrower 1 Race 3** | **Borrower 1 Race 4** | **Borrower 1 Race 5** | **Borrower 1 Equifax Credit Score** | **Borrower 1 Experian Credit Score** | **Borrower 1 Transunion Credit Score** | **Borrower 1 Total Income** | **Borrower 2 SSN** | **Borrower 2 Date Of Birth** | **Borrower 2 Age** | **Borrower 2 Occupation** | **Borrower 2 Years On Job** | **Borrower 2 Years In Field** | **Borrower 2 Self Employed** | **Borrower 2 First Time Home Buyer** | **Borrower 2 Gender** | **Borrower 2 US Citizen** | **Borrower 2 Permanent Resident** | **Borrower 2 Non Permanent Resident** | **Borrower 2 Residency Basis Type** | **Borrower 2 Residency Duration Years** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Race 2** | **Borrower 2 Race 3** | **Borrower 2 Race 4** | **Borrower 2 Race 5** | **Borrower 2 Equifax Credit Score** | **Borrower 2 Experian Credit Score** | **Borrower 2 Transunion Credit Score** | **Borrower 2 Total Income** | **Current Balance** | **Current P&I** | **Representative Credit Score** | **Total Monthly Income** | **Total Remaining Gross Monthly Income** | **DTI (Front)** | **DTI (Back)** | **Total Monthly Expenses** | **Primary Residence Expense** | **Total Assets** | **Effective Amount (Assets Used)** | **Liquid Assets** | **Total Cash Required From Borrower** | **Cash Reserves** | **Months PITI Reserves** | **Months PITI Reserves (Qual Rate)** | **Qualification Method** | **Qualifying Rate** | **Qualifying P&I** | **DTI Qualifying (Front)** | **DTI Qualifying (Back)** | **Loan Doc Type** | **AUS Underwritten** | **What AUS Was Used** | **AUS Grade** | **HUD 1 Status** | **Disbursement Date** | **Good Faith Estimate Status** | **ROR Status** | **Early TIL Status** | **Corrected TIL Status** | **Final TIL Status** | **Active Material Exceptions** | **Active Non-Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **General Comments** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Grade** | **Final Securitization Compliance Grade** | **Initial S&P Compliance Grade** | **Final S&P Compliance Grade** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Appraiser First Name** | **Appraiser Last Name** | **Appraiser Certification/License #** |
| DE0D99EA-E625-4C04-A67D-A5F80E47704A | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 6.5000 | 1558.68 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 48 | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 6.750 | N 1/8 | 8.5000 | 6.500 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.5000 | 6.5000 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Desk | XXXXXX | XXX | XXX | 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) | Preliminary Title | Fee Simple | XXXXXX | 73.43 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 215 | 16200.00 | 11 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 630 | 655 | 643 | 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 | (No Data) | (No Data) | 643 | 0 | -1947.78 | 0 | 0 | 1947.78 | 0 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Indexed, Fully Amortized | 8.875 | 1962.07 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months;<br> Lease Agreement - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 2C1DBEF6-3134-48E5-886D-CE9F01AF3C38 | 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 | 6.1250 | 624.72 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 48 | 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 | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Desk | XXXXXX | XXX | XXX | 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 | 98.75 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 4 | No | Present | XXXXXX | 136 | 27514.00 | 16 | 0 | 0 | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 719 | 703 | 675 | 6250.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 753 | 727 | 751 | 5970.83 | (No Data) | (No Data) | 703 | 12666.84 | 8631.84 | 11.61 | 31.85 | 4035 | 1471 | 89280.26 | 62496.19 | 62496.19 | XXXXXX | 36806.59 | 41.74 | 41.74 | Fully Amortized | 6.125 | 624.73 | 11.61 | 31.85 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 454B9A53-568A-4E22-801B-4AF168055246 | 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 | 6.6250 | 1594.37 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 48 | 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 | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Desk | XXXXXX | XXX | XXX | 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 | 141.00 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 89 | 19100.00 | 3 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 785 | 777 | 771 | 7354.52 | 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 | (No Data) | (No Data) | 777 | 8356.88 | 4621.1 | 25.15 | 44.7 | 3735.78 | 2102.02 | 73916.59 | 73916.59 | 73916.59 | XXXXXX | 68658.62 | 36.66 | 36.66 | Fully Amortized | 6.625 | 1594.38 | 25.15 | 44.7 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> C<br> A | A | A<br> C | A | A | CPA Letter without Income - 156 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| A39CF756-DABF-4C07-B020-B35F42165885 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 I/O ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 8.1250 | 1136.96 | Monthly | XXXXXX | 480 | 360 | No | (No Data) | Yes | 120 | Yes | 24 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 5.750 | N 1/8 | 10.1250 | 8.125 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 13.1250 | 8.1250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Full Appraisal | XXXXXX | XXX | XXX | 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 | 134.50 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 47 | 18400.00 | 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 | 741 | 757 | 749 | 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 | (No Data) | (No Data) | 749 | 0 | -1468.42 | 0 | 0 | 1468.42 | 0 | 260862.73 | 260862.73 | 260862.73 | XXXXXX | 211636.72 | 144.13 | 139.71 | Fully Amortized | 8.125 | 1183.35 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| F74EEF02-A220-48A1-875D-5088605B4E6E | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 I/O ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 6.2500 | 1250.00 | Monthly | XXXXXX | 480 | 360 | No | (No Data) | Yes | 120 | Yes | 36 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 5.750 | N 1/8 | 8.2500 | 6.250 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.2500 | 6.2500 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Desk | XXXXXX | XXX | XXX | 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) | Preliminary Title | Fee Simple | XXXXXX | 27.75 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 4 | No | Present | XXXXXX | 143 | 6000.00 | 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 | 791 | 780 | 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 | (No Data) | (No Data) | 780 | 0 | -1626.5 | 0 | 0 | 1626.5 | 0 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Indexed, Fully Amortized | 7.625 | 1601.59 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| D310E561-CFAB-4EA6-A8B9-33898C713E7B | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 I/O ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 7.8300 | 4208.63 | Monthly | XXXXXX | 480 | 360 | No | (No Data) | Yes | 120 | Yes | 36 | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 5.750 | N 1/8 | 9.8300 | 7.830 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.8300 | 7.8300 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | AVM | XXXXXX | XXX | XXX | 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 | 121.67 | (No Data) | (No Data) | 0.00 | Not Applicable | Present | XXXXXX | 3 | No | Present | XXXXXX | 305 | 24500.00 | 15 | 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 | 659 | 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 | (No Data) | (No Data) | 678 | 0 | -6578.74 | 0 | 0 | 6578.74 | 0 | 208731.41 | 208731.41 | 208731.41 | XXXXXX | 208731.41 | 45.09 | 43.28 | Qualifying Rate, Fully Amortized | 7.830 | 4402.69 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> B<br> A | A<br> B | A<br> B | A<br> B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 3F0D2F20-2CC3-4AB5-9F99-FAED2343D372 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.0000 | 1347.24 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 48 | 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 | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 144.25 | (No Data) | (No Data) | 0.00 | Not Applicable | Present | XXXXXX | 3 | No | Present | XXXXXX | 64 | 36650.00 | 17 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 668 | 680 | 700 | 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 | (No Data) | (No Data) | 680 | 0 | -1617.91 | 0 | 0 | 1617.91 | 0 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 7.000 | 1347.24 | 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<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 922E51BF-51BC-4C68-94C7-E77115B74388 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 1988.88 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 97.50 | (No Data) | (No Data) | (No Data) | 457.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 168 | 6200.00 | 4 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 674 | 690 | 671 | 10661.25 | 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 | (No Data) | (No Data) | 671 | 10661.25 | 5283.8 | 30.03 | 50.44 | 5377.45 | 3201.99 | 12759.35 | 12759.35 | 12759.35 | XXXXXX | 6389.57 | 2 | 2.00 | Fully Amortized | 7.250 | 1988.89 | 30.03 | 50.44 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | Business Tax Return - 24 months;<br> Paystub - 9 months;<br> Personal Tax Return - 36 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| A33FC36A-BEA8-4F21-8C11-30815773715B | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 8.0000 | 1184.03 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 4.750 | N 1/8 | 10.0000 | 8.000 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 13.0000 | 8.0000 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | XXX | XXX | 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 | 139.83 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 38 | 31813.00 | 16 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 522 | 559 | 565 | 4250.00 | 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 | (No Data) | (No Data) | 559 | 4250 | 2105.82 | 40.17 | 50.45 | 2144.18 | 1707.18 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 8.000 | 1184.04 | 40.17 | 50.45 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> D<br> A | A<br> B | A<br> D | A<br> B | A | Paystub - 1 months;<br> Verbal VOE with Income - 0 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 2F386B96-BC29-425A-B42C-9B40079FE956 | 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 | 5.6240 | 2040.48 | 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 | XXX | XXX | 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 | 173.75 | (No Data) | (No Data) | (No Data) | 65.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 30 | 8000.00 | 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 | 742 | 732 | 11722.01 | 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 | (No Data) | (No Data) | 732 | 11722.01 | 6607.95 | 21.85 | 43.63 | 5114.06 | 2561.4 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 5.624 | 2040.48 | 21.85 | 43.63 | 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<br> B<br> A | B<br> A | B<br> A | B<br> A | B | CPA Letter without Income - 1 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9DA22C31-A23A-492D-889C-8FFAC8E5FFE9 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 5.7500 | 2771.97 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.7500 | 5.750 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.7500 | 5.7500 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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) | Preliminary Title | Fee Simple | XXXXXX | 66.42 | (No Data) | (No Data) | 0.00 | 12.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 319 | 50466.00 | 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 | 666 | 659 | 693 | 24480.77 | 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 | (No Data) | (No Data) | 666 | 24480.77 | 13119.91 | 21.52 | 46.41 | 11360.86 | 5267.8 | 311955.00 | 192009 | 12090 | XXXXXX | 192009 | 60.74 | 60.74 | Fully Amortized | 5.750 | 2771.98 | 21.52 | 46.41 | 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<br> B<br> A | B<br> A | B<br> A | B<br> A | B | CPA Letter without Income - 1 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| C3B569E5-EF20-4AFF-9DCC-817533F155DC | 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 | 6.6250 | 1600.78 | 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 | XXX | XXX | 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 | 21.25 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 27 | 25000.00 | 8 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 716 | 689 | 680 | 5115.61 | 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 | (No Data) | (No Data) | 689 | 5115.61 | 3048.52 | 39.88 | 40.41 | 2067.09 | 2040.09 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 6.625 | 1600.78 | 39.88 | 40.41 | 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<br> A | A | A | A | A | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| DF4AEE95-49B3-4A78-8179-73D37BA0248F | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 7.0000 | 2463.95 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 9.0000 | 7.000 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.0000 | 7.0000 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Urban | Owner | As-Is | XXXXXX | Desk | XXXXXX | XXX | XXX | 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 | 150.85 | (No Data) | (No Data) | 0.00 | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 314 | 7300.00 | 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 | 641 | 645 | 595 | 4492.67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 628 | 623 | 557 | 4206.87 | (No Data) | (No Data) | 641 | 8699.54 | 4450.54 | 37.97 | 48.84 | 4249 | 3302.88 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 7.000 | 2463.95 | 37.97 | 48.84 | 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<br> B<br> A | B<br> A | B<br> A | B<br> A | B | CPA Letter without Income - 24 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 24 months;<br> W2 - 24 months | CPA Letter without Income - 24 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| BA6BFB1C-286F-49C4-96D7-FBFE295DDBE8 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 7.0000 | 797.04 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 9.0000 | 7.000 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.0000 | 7.0000 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | Desk | XXXXXX | XXX | XXX | 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 | 33.92 | (No Data) | (No Data) | (No Data) | 150.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 108 | 22000.00 | 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 | 769 | 779 | 10332.54 | 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 | (No Data) | (No Data) | 769 | 10332.54 | 8474.75 | 11.77 | 17.98 | 1857.79 | 1215.68 | 62965.95 | 62965.95 | 62965.95 | XXXXXX | 32915.95 | 27.08 | 27.08 | Fully Amortized | 7.000 | 797.04 | 11.77 | 17.98 | 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<br> C<br> A | B<br> A | B<br> C<br> A | B<br> A | B | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 6EA3FDC3-4974-488F-AB8D-77A953D1B8BC | 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 | 4.6250 | 2133.68 | 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 | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 158.01 | (No Data) | (No Data) | 0.00 | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 8 | 1000.00 | 1 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 746 | 743 | 706 | 7576.22 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 689 | 676 | 707 | 1344 | (No Data) | (No Data) | 743 | 8920.22 | 5393.1 | 31.1 | 39.54 | 3527.12 | 2774.12 | 7841.46 | 7841.46 | 7841.46 | XXXXXX | 7490.77 | 2.7 | 2.70 | Fully Amortized | 4.625 | 2133.68 | 31.1 | 39.54 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | CPA Letter without Income - 300 months;<br> Personal Bank Statements - 12 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| C19A84A3-3439-4543-B9C4-C8502263E570 | 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 | 8.2490 | 1509.90 | 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 | XXX | XXX | 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 | 241.55 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 88 | 5600.00 | 6 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 508 | 585 | 546 | 13693.33 | 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 | (No Data) | (No Data) | 546 | 13693.33 | 11491.44 | 15.05 | 16.08 | 2201.89 | 2060.89 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 8.249 | 1509.91 | 15.05 | 16.08 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> B<br> A | B<br> A | B<br> A | B<br> A | B | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 45DB5893-CD20-4C07-963D-844B6ADF3521 | 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 | 4.5000 | 6689.19 | 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 | Desk | XXXXXX | XXX | XXX | 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 | 295.42 | (No Data) | (No Data) | (No Data) | 62.50 | Present | XXXXXX | 4 | No | Present | XXXXXX | 257 | 13000.00 | 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 | 800 | 765 | 725 | 54963.00 | 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 | (No Data) | (No Data) | 765 | 54963 | 39200.32 | 17.8 | 28.68 | 15762.68 | 9781.68 | 191904.35 | 191904.35 | 191904.35 | XXXXXX | 134357.58 | 13.74 | 13.74 | Fully Amortized | 4.500 | 6689.20 | 17.8 | 28.68 | 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<br> D<br> A | D<br> B<br> A | B<br> D<br> A | D<br> B<br> A | B | Business Bank Statements - 12 months;<br> P & L - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 262EADCE-6F1A-404D-BEE7-BAC687131608 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 2950.69 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 4.750 | N 1/8 | 9.5000 | 7.500 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.5000 | 7.5000 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Desk | XXXXXX | XXX | XXX | 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) | Preliminary Title | Fee Simple | XXXXXX | 140.42 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 48 | 10144.00 | 8 | 1 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 616 | 653 | 630 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 582 | 609 | 559 | 12059.7 | (No Data) | (No Data) | 582 | 12059.7 | 7161.77 | 29.59 | 40.61 | 4897.93 | 3567.93 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 7.500 | 2950.69 | 29.59 | 40.61 | 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<br> A | A | A | A | A | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 264034C1-A4F2-467A-9C81-B930A30BCA95 | 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 | 5.8740 | 1639.57 | 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 | Rural | Owner | As-Is | XXXXXX | Desk | XXXXXX | XXX | XXX | 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 | 234.33 | (No Data) | (No Data) | 0.00 | Not Applicable | Present | XXXXXX | 4 | No | Present | XXXXXX | 203 | 12800.00 | 12 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 675 | 700 | 669 | 4342.31 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 627 | 576 | 625 | 3110.67 | (No Data) | (No Data) | 675 | 7452.98 | 3734.38 | 27.17 | 49.89 | 3718.6 | 2025.27 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 5.874 | 1639.57 | 27.17 | 49.89 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 95697803-C793-4601-83C9-9A1312FEB1A0 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 I/O ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 5.7500 | 2297.60 | Monthly | XXXXXX | 480 | 360 | No | (No Data) | Yes | 120 | Yes | 36 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 5.750 | N 1/8 | 7.7500 | 5.750 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.7500 | 5.7500 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | Desk | XXXXXX | XXX | XXX | 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) | Preliminary Title | Fee Simple | XXXXXX | 61.85 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 40 | 5050.00 | 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 | 789 | 676 | 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 | (No Data) | (No Data) | 788 | 0 | -2759.25 | 0 | 0 | 2759.25 | 0 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Indexed, Fully Amortized | 7.625 | 3199.84 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| E285DE3B-9AA2-4068-8AE3-86576A6F0C61 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 5.8750 | 2555.44 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.8750 | 5.875 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.8750 | 5.8750 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Desk | XXXXXX | XXX | XXX | 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) | Preliminary Title | Fee Simple | XXXXXX | 45.60 | (No Data) | (No Data) | (No Data) | 54.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 153 | 7000.00 | 2 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 791 | 699 | 691 | 14357.64 | 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 | (No Data) | (No Data) | 699 | 14357.64 | 11398.56 | 20.44 | 20.61 | 2959.08 | 2934.08 | 265278.37 | 265278.37 | 265278.37 | XXXXXX | 150448.89 | 51.28 | 51.28 | Fully Amortized | 5.875 | 2555.45 | 20.44 | 20.61 | 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<br> D<br> B<br> A | D<br> B<br> A | B<br> D<br> A | D<br> B<br> A | B | CPA Letter without Income - 1 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| AE6CD2C0-11C4-49EF-9FCD-F603823A6FEF | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 5649.59 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 4.750 | N 1/8 | 8.8750 | 6.875 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.8750 | 6.8750 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Desk | XXXXXX | XXX | XXX | 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 | 339.00 | (No Data) | (No Data) | (No Data) | 70.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 71 | 15000.00 | 8 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 613 | 630 | 665 | 13091.94 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 733 | 720 | 729 | 676.5 | (No Data) | (No Data) | 630 | 13768.44 | 7311.11 | 45.91 | 46.9 | 6457.33 | 6321.33 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 6.875 | 5649.59 | 45.91 | 46.9 | 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<br> A | A | A | A | A | Award Letter - 1 months;<br> Business Bank Statements - 12 months;<br> P & L - 24 months | Award Letter - 1 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 61CC8C97-C25E-4B04-A42E-E61576EF8E5A | 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 | 5.5000 | 4616.41 | 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 | Desk | XXXXXX | XXX | XXX | 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 | 386.83 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 3 | No | Present | XXXXXX | 67 | 3000.00 | 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 | 686 | 626 | 707 | 12500.40 | 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 | (No Data) | (No Data) | 686 | 12500.4 | 6155.46 | 45.25 | 50.76 | 6344.94 | 5655.94 | 100.53 | 100.53 | 100.53 | XXXXXX | 100.53 | 0.02 | 0.02 | Fully Amortized | 5.500 | 4616.41 | 45.25 | 50.76 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 937D9145-117C-4C5E-ABCC-5C636E146FE5 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 1402.38 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 5.750 | N 1/8 | 9.7500 | 7.750 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.7500 | 7.7500 | 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 | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 59.41 | (No Data) | (No Data) | 0.00 | 14.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 80 | 30000.00 | 15 | 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 | 664 | 668 | 658 | 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 | (No Data) | (No Data) | 664 | 0 | -1704.04 | 0 | 0 | 1704.04 | 0 | 148075.08 | 148075.08 | 148075.08 | XXXXXX | 66059.49 | 38.77 | 38.77 | Fully Amortized | 7.750 | 1402.38 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Unavailable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| F0DF7AC2-F6A9-4D28-AE4A-25C7236B90CE | 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 | 6.0000 | 899.33 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 48 | 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 | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | XXX | XXX | 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 | 91.33 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 243 | 6900.00 | 7 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 764 | 762 | 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 | (No Data) | (No Data) | 762 | 0 | -1187.68 | 0 | 0 | 1187.68 | 0 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 6.000 | 899.33 | 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<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 3C16D5D4-FF33-4995-A30F-6D325B8F0209 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 5.2500 | 3975.87 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.2500 | 5.250 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.2500 | 5.2500 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | XXX | XXX | 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 | 60.83 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 7 | 0.00 | 1 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 690 | 687 | 700 | 5482.25 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 675 | Not Applicable | Not Applicable | 4781.25 | (No Data) | (No Data) | 690 | 10263.5 | 5869.44 | 42.81 | 42.81 | 4394.06 | 4394.06 | 8052.77 | 8052.77 | 8052.77 | XXXXXX | 8052.77 | 1.83 | 1.76 | Fully Indexed | 5.625 | 4144.73 | 44.46 | 44.46 | 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<br> A | A | A | A | A | Award Letter - 12 months;<br> Business Bank Statements - 24 months;<br> P & L - 21 months | Business Bank Statements - 24 months;<br> P & L - 21 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 3DE250D7-6296-42F1-8027-107E45E36F29 | 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 | 6.1250 | 911.42 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 48 | 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 | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Urban | Tenant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 23.59 | (No Data) | (No Data) | (No Data) | 188.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 166 | 27500.00 | 5 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 790 | 764 | 800 | 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 | (No Data) | (No Data) | 790 | 0 | -1396.45 | 0 | 0 | 1396.45 | 0 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 6.125 | 911.42 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 857675C9-0246-40A3-947C-97BACBF4395B | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 1454.52 | 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 | XXX | XXX | 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 | 259.21 | (No Data) | (No Data) | (No Data) | 45.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 216 | 5800.00 | 36 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 610 | 602 | 642 | 12471.91 | 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 | (No Data) | (No Data) | 610 | 12471.91 | 8154.16 | 17.53 | 34.62 | 4317.75 | 2186.48 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 7.625 | 1454.52 | 17.53 | 34.62 | 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<br> D<br> A | C<br> B<br> A | B<br> D<br> A | C<br> B<br> A | B | Business Bank Statements - 12 months;<br> CPA Letter without Income - 2 months;<br> P & L - 33 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| F4531E07-734E-475E-8463-206DA6844624 | 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 | 4.9900 | 1339.99 | 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 | XXX | XXX | 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 | 139.83 | (No Data) | (No Data) | (No Data) | 41.66 | Present | XXXXXX | 2 | No | Present | XXXXXX | 17 | 8000.00 | 4 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 760 | 735 | 696 | 10803.90 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 685 | 676 | 722 | 0 | (No Data) | (No Data) | 735 | 10803.9 | 8307.75 | 17.23 | 23.1 | 2496.15 | 1861.15 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 4.990 | 1340.00 | 17.23 | 23.1 | 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<br> C<br> A | C<br> A | A<br> C | C<br> A | A | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| A7D92A4B-9F5F-4809-BBC3-0E799FB4E863 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 8.8740 | 1467.83 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 10.8740 | 8.874 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 13.8740 | 8.8740 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Desk | XXXXXX | XXX | XXX | 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 | 120.25 | (No Data) | (No Data) | 0.00 | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 135 | 48270.00 | 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 | 680 | 667 | 683 | 7036.87 | 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 | (No Data) | (No Data) | 680 | 7036.87 | 3721.84 | 28.28 | 47.11 | 3315.03 | 1990.03 | 37460.00 | 37460 | 37460 | XXXXXX | 12270.15 | 6.17 | 6.17 | Fully Amortized | 8.874 | 1467.84 | 28.28 | 47.11 | 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<br> B<br> A | B<br> A | B<br> A | B<br> A | B | Business Bank Statements - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 4CE20EC2-13FB-4D2B-B6E6-FCC71FDBF331 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 I/O ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 6.1250 | 867.71 | Monthly | XXXXXX | 480 | 360 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 4.750 | N 1/8 | 8.1250 | 6.125 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.1250 | 6.1250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Tenant | As-Is | XXXXXX | Desk | XXXXXX | XXX | XXX | 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 | 206.31 | (No Data) | (No Data) | 54.30 | 250.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 269 | 1200.00 | 7 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 656 | 666 | 614 | 5131.00 | 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 | (No Data) | (No Data) | 656 | 5131 | 2936.37 | 30.88 | 42.77 | 2194.63 | 1584.63 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Indexed, Fully Amortized | 6.625 | 1010.46 | 33.67 | 45.55 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> B<br> A | A<br> B | A<br> B | A<br> B | A | Award Letter - 12 months;<br> Personal Bank Statements - 3 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 58CB9F87-02CC-401C-ABBB-C988D8C440EA | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 7.4990 | 838.98 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 5.750 | N 1/8 | 9.4990 | 7.499 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.4990 | 7.4990 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 113.46 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 61 | 25000.00 | 6 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 700 | 701 | 700 | 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 | (No Data) | (No Data) | 700 | 0 | -1304.7 | 0 | 0 | 1304.7 | 0 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 7.499 | 838.98 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 68388CF5-32FC-4EBE-9804-291A29D44625 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 I/O ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 4.5000 | 3381.30 | Monthly | XXXXXX | 480 | 360 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 6.5000 | 4.500 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 9.5000 | 4.5000 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | XXX | XXX | 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 | 114.33 | (No Data) | (No Data) | 0.00 | Not Applicable | Present | XXXXXX | 5 | No | Present | XXXXXX | 217 | 56747.00 | 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 | 723 | 716 | 724 | 18435.50 | 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 | (No Data) | (No Data) | 723 | 18435.5 | 11804.83 | 25.21 | 35.97 | 6630.67 | 4646.67 | 292300.48 | 292300.48 | 292300.48 | XXXXXX | 292300.48 | 62.91 | 54.95 | Fully Amortized | 4.500 | 4053.62 | 28.85 | 39.61 | 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<br> B<br> A | B<br> A | B<br> A | B<br> A | B | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| F21CA58C-CAB8-48AB-B163-419A987FFB67 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 880.38 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 9.5000 | 7.500 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.5000 | 7.5000 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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-Attached | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Desk | XXXXXX | XXX | XXX | 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 | 75.88 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 198 | 45530.00 | 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 | 693 | 678 | 706 | 12719.69 | 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 | (No Data) | (No Data) | 693 | 12719.69 | 9099.76 | 8.28 | 28.46 | 3619.93 | 1052.93 | 23608.10 | 23608.1 | 23608.1 | XXXXXX | 10452.4 | 9.93 | 9.93 | Fully Amortized | 7.500 | 880.39 | 8.28 | 28.46 | 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<br> A | A | A | A | A | Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| CEDE2A87-4EA3-4A72-AB30-F59DE728A608 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 5.5000 | 1214.22 | 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 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 5.750 | N 1/8 | 7.5000 | 5.500 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.5000 | 5.5000 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | XXX | XXX | 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 | 93.75 | (No Data) | (No Data) | 0.00 | 80.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 93 | 20800.00 | 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 | 713 | 729 | 703 | 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 | (No Data) | (No Data) | 713 | 0 | -1577.84 | 0 | 0 | 1577.84 | 0 | 126304.78 | 126304.78 | 126304.78 | XXXXXX | 4623.11 | 2.93 | 2.46 | Fully Indexed, Fully Amortized | 7.625 | 1513.62 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9069C7A5-BD31-497E-8901-B37A809F3B49 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 6.1250 | 976.13 | 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 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 8.1250 | 6.125 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.1250 | 6.1250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | XXX | XXX | 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 | 77.17 | (No Data) | (No Data) | 0.00 | 426.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 159 | 22765.00 | 5 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 771 | 667 | 706 | 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 | (No Data) | (No Data) | 706 | 0 | -1623.66 | 0 | 0 | 1623.66 | 0 | 106188.83 | 106188.83 | 106188.83 | XXXXXX | 49039.54 | 30.2 | 30.20 | Fully Amortized | 6.125 | 976.13 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| D0674952-DD7F-43B3-8346-B93B2F755D1F | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 7.0000 | 3138.96 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 9.0000 | 7.000 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.0000 | 7.0000 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Desk | XXXXXX | XXX | XXX | 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 | 229.58 | (No Data) | (No Data) | 30.50 | 218.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 59 | 48531.00 | 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 | 659 | 635 | 14463.26 | 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 | (No Data) | (No Data) | 635 | 14463.26 | 8892.74 | 30.61 | 38.51 | 5570.52 | 4426.52 | 142003.69 | 142003.69 | 142003.69 | XXXXXX | 62585.34 | 14.14 | 14.14 | Fully Amortized | 7.000 | 3138.97 | 30.61 | 38.52 | 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<br> A | A | A | A | A | Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9FAFFC9A-33AD-4D91-B401-D19C570D85F0 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 8.3750 | 760.07 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 4.750 | N 1/8 | 10.3750 | 8.375 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 13.3750 | 8.3750 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Desk | XXXXXX | XXX | XXX | 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 | 85.08 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | Not Applicable | Not Applicable | 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 | 597 | 638 | 604 | 6506.00 | 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 | (No Data) | (No Data) | 604 | 6506 | 5377.39 | 17.35 | 17.35 | 1128.61 | 1128.61 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 8.375 | 760.08 | 17.35 | 17.35 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> B<br> A | B<br> A | B<br> A | B<br> A | B | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 962010E8-78B0-4664-A3EC-23080EA3B824 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 984.21 | 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 | XXX | XXX | 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 | 116.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 62 | 5000.00 | 3 | 2 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 601 | 636 | 590 | 4048.17 | 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 | (No Data) | (No Data) | 601 | 4048.17 | 2562.41 | 29.93 | 36.7 | 1485.76 | 1211.76 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 7.375 | 984.22 | 29.93 | 36.7 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 14 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| B6A93508-C796-4F38-8590-944573973EDC | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 699.21 | 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 | XXX | XXX | 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 | 92.25 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 28 | 602.00 | 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 | 658 | 613 | 660 | 4397.86 | 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 | (No Data) | (No Data) | 658 | 4397.86 | 2635.2 | 22.03 | 40.08 | 1762.66 | 968.77 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 7.500 | 699.22 | 22.03 | 40.08 | 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<br> C<br> A | C<br> B<br> A | B<br> C<br> A | C<br> B<br> A | B | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 6BFCDCF8-15FA-41D7-89ED-2EC4ED853192 | 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 | 5.6250 | 618.83 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 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 | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | XXX | XXX | 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 | 34.08 | (No Data) | (No Data) | 0.00 | 105.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 175 | 23500.00 | 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 | 737 | 721 | 5583.20 | 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 | (No Data) | (No Data) | 731 | 5583.2 | 3089.3 | 20.39 | 44.67 | 2493.9 | 1138.42 | 159245.66 | 159245.66 | 159245.66 | XXXXXX | 44832.05 | 54.64 | 54.64 | Fully Amortized | 5.625 | 618.84 | 20.39 | 44.67 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 84E14C8F-0532-43DD-BF8A-87333049689E | 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 | 8.7490 | 1189.38 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 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 | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | Desk | XXXXXX | XXX | XXX | 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 | 48.28 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 224 | 26500.00 | 10 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 692 | 650 | 682 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 684 | 637 | 675 | 0 | (No Data) | (No Data) | 675 | 0 | -1268.29 | 0 | 0 | 1268.29 | 0 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 8.749 | 1189.39 | 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<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 15F29BCD-224A-4BF3-BEC5-9283D0557FCA | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 4.2500 | 5165.37 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.500 | N 1/8 | 6.2500 | 4.250 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 9.2500 | 4.2500 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Desk | XXXXXX | XXX | XXX | 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) | Preliminary Title | Fee Simple | XXXXXX | 117.08 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 364 | 47317.00 | 8 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 753 | 733 | 739 | 13395.13 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 747 | 722 | 748 | 0 | (No Data) | (No Data) | 739 | 13395.13 | 7546.77 | 43.1 | 43.66 | 5848.36 | 5773.36 | 53842.13 | 53842.13 | 53842.13 | XXXXXX | 53842.13 | 9.33 | 8.30 | Fully Indexed, Fully Amortized | 5.375 | 5879.70 | 48.43 | 48.99 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> B<br> A | B<br> A | B<br> A | B<br> A | B | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months;<br> P & L - 36 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 61245013-93E4-412E-B035-B8D638C1D3F0 | 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 | 5.0000 | 1342.05 | 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 | XXX | XXX | 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 | 270.50 | (No Data) | (No Data) | (No Data) | 234.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 165 | 15000.00 | 16 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 747 | 744 | 746 | 34126.53 | 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 | (No Data) | (No Data) | 746 | 34126.53 | 30907.33 | 6.78 | 9.43 | 3219.2 | 2315.2 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 5.000 | 1342.06 | 6.78 | 9.43 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 45456F3F-59F6-4699-A13D-99BD96B9D67D | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 6.3750 | 1501.14 | 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 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 5.750 | N 1/8 | 8.3750 | 6.375 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.3750 | 6.3750 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Desk | XXXXXX | XXX | XXX | 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) | Preliminary Title | Fee Simple | XXXXXX | 67.69 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 3 | No | Present | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 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 | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 640 | 0 | -1744.35 | 0 | 0 | 1744.35 | 0 | 144957.59 | 144957.59 | 144957.59 | XXXXXX | 144957.59 | 83.1 | 74.48 | Fully Indexed | 7.625 | 1703.08 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 28EB3E36-1ED5-451C-836C-418C24E8B8E2 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 5.3750 | 10423.30 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.3750 | 5.375 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.3750 | 5.3750 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Owner | As-Is | XXXXXX | Full Appraisal | XXXXXX | XXX | XXX | 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) | Preliminary Title | Fee Simple | XXXXXX | 249.75 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 101 | 9000.00 | 4 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 774 | 772 | 752 | 24697.84 | 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 | (No Data) | (No Data) | 772 | 24697.84 | 11597.85 | 53.04 | 53.04 | 13099.99 | 13099.99 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Indexed, Fully Amortized | 5.625 | 10715.27 | 54.22 | 54.22 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> D<br> A | A | A<br> D | A | A | Business Bank Statements - 24 months;<br> P & L - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9974BE17-5C27-4C80-B5AA-5D9A19CB7FCB | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 772.91 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 5.750 | N 1/8 | 9.6250 | 7.625 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.6250 | 7.6250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Desk | XXXXXX | XXX | XXX | 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 | 32.92 | (No Data) | (No Data) | 0.00 | 348.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 234 | 15220.00 | 20 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 708 | 716 | 718 | 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 | (No Data) | (No Data) | 716 | 0 | -1407.48 | 0 | 0 | 1407.48 | 0 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Indexed, Fully Amortized | 7.625 | 772.92 | 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<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| C09A70A0-80F0-40E7-A49E-B7D1797A2E6F | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 6.1250 | 3038.05 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 4.750 | N 1/8 | 8.1250 | 6.125 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.1250 | 6.1250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | XXX | XXX | 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) | Preliminary Title | Fee Simple | XXXXXX | 82.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 389 | 30000.00 | 2 | 2 | 1 | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 628 | 579 | 635 | 9050.60 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 618 | 579 | 624 | 6250 | (No Data) | (No Data) | 618 | 15300.6 | 10022.79 | 23.62 | 34.49 | 5277.81 | 3614.53 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Indexed, Fully Amortized | 6.625 | 3201.56 | 24.69 | 35.56 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 070AEED0-2381-48EC-A85D-73AF2B56DED8 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 5.6250 | 1289.47 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.6250 | 5.625 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.6250 | 5.6250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Desk | XXXXXX | XXX | XXX | 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 | 347.83 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 265 | 6900.00 | 15 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 641 | 652 | 642 | 2697.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 614 | 561 | 644 | 2428.13 | (No Data) | (No Data) | 642 | 5125.13 | 2685.13 | 34.9 | 47.61 | 2440 | 1788.61 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 5.625 | 1289.48 | 34.9 | 47.61 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> B<br> A | B<br> A | B<br> A | B<br> A | B | Award Letter - 1 months;<br> Personal Bank Statements - 3 months;<br> W2 - 12 months | Paystub - 9 months;<br> W2 - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 1C1AC1F0-1FA1-471F-A667-1B3313E5D01D | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 5.8750 | 3963.30 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.8750 | 5.875 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.8750 | 5.8750 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Desk | XXXXXX | XXX | XXX | 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 | 150.91 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 191 | 10200.00 | 8 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 635 | 647 | 651 | 31000.00 | 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 | (No Data) | (No Data) | 647 | 31000 | 24900.41 | 14.68 | 19.68 | 6099.59 | 4549.59 | 3758.37 | 3758.37 | 3758.37 | XXXXXX | 2546.14 | 0.56 | 0.56 | Fully Amortized | 5.875 | 3963.31 | 14.68 | 19.68 | 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<br> B<br> A | A | A<br> B | A | A | Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9AE4E20F-8FD2-4E20-932B-AD70BFC23FEF | 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 | 4.8750 | 1063.71 | 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 | XXX | XXX | 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 | 53.43 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 128 | 20000.00 | 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 | 786 | 787 | 783 | 16603.26 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 744 | 745 | 785 | 0 | (No Data) | (No Data) | 786 | 16603.26 | 7789.5 | 8.24 | 53.08 | 8813.76 | 1368.8 | 96046.89 | 96046.89 | 96046.89 | XXXXXX | 96046.89 | 70.17 | 70.17 | Fully Amortized | 4.875 | 1063.71 | 8.24 | 53.08 | 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<br> A | 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 |
| 7E7978CD-4E3F-4E86-ACB5-D09BFB2292A4 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 738.23 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 48 | 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 | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Urban | Tenant | As-Is | XXXXXX | Desk | XXXXXX | XXX | XXX | 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 | 182.58 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 225 | 18500.00 | 6 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 696 | 723 | 708 | 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 | (No Data) | (No Data) | 708 | 0 | -1173.79 | 0 | 0 | 1173.79 | 0 | 59312.40 | 59312.4 | 59312.4 | XXXXXX | 16700.4 | 14.23 | 14.23 | Fully Amortized | 7.625 | 738.23 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| BC90A295-F19E-4654-9B6C-B4ECDE76E80E | 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 | 6.6250 | 900.92 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 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 | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Desk | XXXXXX | XXX | XXX | 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 | 87.42 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 442 | 15500.00 | 11 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 786 | 748 | 751 | 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 | (No Data) | (No Data) | 751 | 0 | -1269.03 | 0 | 0 | 1269.03 | 0 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 6.625 | 900.92 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9BC3C73E-DF8F-4157-A85F-FF44ACC448C1 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 4457.49 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 4.750 | N 1/8 | 9.5000 | 7.500 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.5000 | 7.5000 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Desk | XXXXXX | XXX | XXX | 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) | Preliminary Title | Fee Simple | XXXXXX | 157.25 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 4 | No | Present | XXXXXX | 52 | 1000.00 | 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 | 635 | 644 | 639 | 8847.32 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 658 | 590 | 652 | 6250.62 | (No Data) | (No Data) | 639 | 15097.94 | 7540.76 | 36.43 | 50.05 | 7557.18 | 5500.16 | 336217.17 | 336217.17 | 336217.17 | XXXXXX | 138914.06 | 25.26 | 25.26 | Fully Amortized | 7.500 | 4457.50 | 36.43 | 50.05 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months | Offer Letter - 1 months;<br> Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| DCB21B0E-E739-4845-9862-07C7D5F2BDDD | 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 | 4.8750 | 529.21 | 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 | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Desk | XXXXXX | XXX | XXX | 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 | 63.58 | (No Data) | (No Data) | 0.00 | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 609 | 20200.00 | 2 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 770 | 759 | 773 | 1670.18 | 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 | (No Data) | (No Data) | 770 | 2457.68 | 1592.73 | 30.23 | 35.19 | 864.95 | 742.95 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 4.875 | 529.21 | 30.23 | 35.19 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | Award Letter - 1 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 40C32F15-5987-4B54-AD03-51B0D175E5B4 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 1403.02 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 9.1250 | 7.125 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.1250 | 7.1250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | XXX | XXX | 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) | Preliminary Title | Fee Simple | XXXXXX | 104.42 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 162 | 22230.00 | 6 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 679 | 678 | 636 | 17221.69 | 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 | (No Data) | (No Data) | 678 | 17221.69 | 14263.34 | 10.9 | 17.18 | 2958.35 | 1876.35 | 45459.47 | 45459.47 | 45459.47 | XXXXXX | 5580.51 | 2.97 | 2.97 | Fully Amortized | 7.125 | 1403.02 | 10.9 | 17.18 | 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<br> D<br> A | A | A<br> D | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 188F674D-199D-4490-AEB5-C46ADB5D5ECF | 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 | 5.3750 | 1679.91 | 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 | XXX | XXX | 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 | 78.93 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 6 | No | Present | XXXXXX | 191 | 25000.00 | 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 | 684 | 673 | 705 | 6567.97 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 725 | 689 | 718 | 0 | (No Data) | (No Data) | 718 | 6567.97 | 4122.48 | 35.94 | 37.23 | 2445.49 | 2360.49 | 55265.31 | 55265.31 | 55265.31 | XXXXXX | 55265.31 | 23.41 | 23.41 | Fully Amortized | 5.375 | 1679.92 | 35.94 | 37.23 | 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<br> A | A | A | A | A | Personal Bank Statements - 12 months | Personal Tax Return - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| C4DD6106-3D31-42EF-86F2-467031D505BC | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 1009.62 | 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 | XXX | XXX | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Assumable upon credit approval | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 220.92 | (No Data) | (No Data) | (No Data) | 29.17 | Present | XXXXXX | 1 | No | Present | XXXXXX | 83 | 31664.00 | 2 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 554 | 568 | 506 | 7640.53 | 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 | (No Data) | (No Data) | 554 | 7640.53 | 5074.47 | 23.44 | 33.58 | 2566.06 | 1791.08 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 7.250 | 1009.63 | 23.44 | 33.58 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 4A8C4E3C-8879-4D1F-8958-E3180100FF85 | 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 | 6.9990 | 1856.01 | 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 | Desk | XXXXXX | XXX | XXX | 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 | 181.42 | (No Data) | (No Data) | (No Data) | 227.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 79 | 30000.00 | 6 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 748 | 796 | 749 | 14944.68 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 788 | 789 | 787 | 14944.68 | (No Data) | (No Data) | 749 | 29889.36 | 20349.95 | 8.82 | 31.92 | 9539.41 | 2636.31 | 83598.90 | 71592.53 | 71592.53 | XXXXXX | 39709.35 | 15.06 | 15.06 | Fully Amortized | 6.999 | 1856.01 | 8.82 | 31.92 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | Business Bank Statements - 24 months;<br> CPA Letter without Income - 1 months | Business Bank Statements - 24 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| A220F724-488E-4C1D-991B-1EB58FA827CA | 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 | 6.0000 | 2187.23 | 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 | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Desk | XXXXXX | XXX | XXX | 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 | 51.33 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 4 | No | Present | XXXXXX | 61 | 0.00 | 3 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 750 | 708 | 759 | 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 | (No Data) | (No Data) | 750 | 0 | -5634.45 | 0 | 0 | 5634.45 | 2349 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 6.000 | 2187.24 | 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<br> A | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 1BC334C5-C81B-412A-AB92-3D538A2F5829 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 866.36 | 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 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 5.750 | N 1/8 | 9.2500 | 7.250 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.2500 | 7.2500 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Desk | XXXXXX | XXX | XXX | 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) | Preliminary Title | Fee Simple | XXXXXX | 39.25 | (No Data) | (No Data) | (No Data) | 285.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 172 | 17000.00 | 2 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 805 | 810 | 790 | 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 | (No Data) | (No Data) | 805 | 0 | -1380.61 | 0 | 0 | 1380.61 | 0 | 50506.75 | 50506.75 | 50506.75 | XXXXXX | 41326.77 | 29.93 | 29.24 | Fully Indexed, Fully Amortized | 7.625 | 898.90 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| F140AF22-206C-416B-8F89-049B26526185 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 1877.93 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 6 mos interest of amt prepaid in 36 mos 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 | Rate and Term Refi | 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 | XXX | XXX | 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 | 197.50 | (No Data) | (No Data) | (No Data) | 615.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 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 | (No Data) | (No Data) | Not Applicable | 0 | -3308.92 | 0 | 0 | 3308.92 | 0 | 574216.14 | 574216.14 | 574216.14 | XXXXXX | 545006.97 | 164.71 | 164.71 | Fully Amortized | 7.875 | 1877.93 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| F6DC7EFC-A814-4358-B77E-19DA855FDD38 | 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 | 5.7500 | 3793.22 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 48 | 12 mos interest on amt prepd 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 | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Subject to Completion(cert in file) | XXXXXX | Desk | XXXXXX | XXX | XXX | 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 | 127.24 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 67 | 8600.00 | 6 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 704 | 731 | 735 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 789 | 789 | 807 | 0 | (No Data) | (No Data) | 731 | 0 | -4536.17 | 0 | 0 | 4536.17 | 0 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 5.750 | 3793.23 | 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<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 83D32E4B-5AB7-4B91-87F9-FF89587E87C4 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 1427.48 | 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 | Desk | XXXXXX | XXX | XXX | 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 | 140.39 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 313 | 23000.00 | 5 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 608 | 603 | 641 | 9120.88 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 694 | 672 | 679 | 0 | (No Data) | (No Data) | 608 | 9120.88 | 4765.95 | 17.92 | 47.75 | 4354.93 | 1634.75 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 7.875 | 1427.49 | 17.92 | 47.75 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 25 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 91AEC143-F52C-4EEC-97C8-F03F06EBCD21 | 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 | 6.1250 | 2047.65 | 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 | Desk | XXXXXX | XXX | XXX | 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 | 73.50 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 0 | 0.00 | 0 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 776 | 769 | 781 | 3502.85 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 629 | 627 | 656 | 1574.75 | (No Data) | (No Data) | 776 | 5077.6 | 2584.54 | 49.1 | 49.1 | 2493.06 | 2493.06 | 125782.86 | 103031.57 | 103031.57 | XXXXXX | 103031.57 | 41.33 | 41.33 | Fully Amortized | 6.125 | 2047.65 | 49.1 | 49.1 | 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<br> A | A | A | A | A | Award Letter - 1 months | Award Letter - 1 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 32246274-4F8D-41EE-9EAA-D66771E643F6 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 4.6250 | 2056.56 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.500 | N 1/8 | 6.6250 | 4.625 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 9.6250 | 4.6250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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) | Final Title | Fee Simple | XXXXXX | 0.00 | (No Data) | (No Data) | (No Data) | 399.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 1306 | 41000.00 | 13 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 638 | 662 | 641 | 48810.07 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 678 | 690 | 693 | 0 | (No Data) | (No Data) | 690 | 48810.07 | 40929.14 | 6.26 | 16.15 | 7880.93 | 3054.52 | 84887.96 | 84887.96 | 84887.96 | XXXXXX | 44513.68 | 14.57 | 13.75 | Fully Indexed, Fully Amortized | 5.375 | 2239.89 | 6.63 | 16.52 | 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<br> A | A<br> B | B<br> A | A<br> B | B | Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 47118383-A0B1-4261-AB22-20F8F5D768EF | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 5.8750 | 2910.37 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.8750 | 5.875 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.8750 | 5.8750 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Desk | XXXXXX | XXX | XXX | 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) | Preliminary Title | Fee Simple | XXXXXX | 65.67 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 5 | No | Present | XXXXXX | 137 | 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 | 701 | 714 | 691 | 3705.72 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 806 | 804 | 778 | 3299.02 | (No Data) | (No Data) | 701 | 8882.74 | 4335.96 | 39.22 | 51.19 | 4546.78 | 3483.78 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 5.875 | 2910.37 | 39.22 | 51.19 | 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<br> A | A | A | A | A | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 0FFF1CF1-3DA8-4000-BE0E-5A273FF1B6F6 | 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 | 5.3740 | 1539.75 | 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 | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Desk | XXXXXX | XXX | XXX | 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 | 104.50 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 167 | 19800.00 | 9 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 753 | 750 | 766 | 4550.90 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 693 | 727 | 683 | 1586.22 | (No Data) | (No Data) | 753 | 6137.12 | 3352.82 | 39.18 | 45.37 | 2784.3 | 2404.3 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 5.374 | 1539.75 | 39.18 | 45.37 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | Business Bank Statements - 12 months | Written VOE - 36 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| DC80BF7B-001B-40F8-AAEE-96A447F25D34 | 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 | 5.6250 | 1283.71 | 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 | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | XXX | XXX | 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 | 30.50 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 299 | 27000.00 | 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 | 779 | 771 | 753 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 809 | 821 | 812 | 0 | (No Data) | (No Data) | 771 | 0 | -1691.36 | 0 | 0 | 1691.36 | 0 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 5.625 | 1283.72 | 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<br> C<br> A | A | A<br> C | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 3940B26B-9E78-4C4C-8841-01016CA5D5E2 | 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 | 6.5000 | 1412.67 | 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 | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | XXX | XXX | 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 | 59.83 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 117 | 13500.00 | 3 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 805 | 811 | 812 | 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 | (No Data) | (No Data) | 811 | 0 | -1746.98 | 0 | 0 | 1746.98 | 0 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 6.500 | 1412.68 | 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<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| A54BC9EA-B62E-4711-85D5-A5D44850E9E0 | 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 | 5.2500 | 3622.46 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 51.33 | (No Data) | (No Data) | (No Data) | 465.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 1154 | 9000.00 | 10 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 662 | 649 | 633 | 16462.74 | 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 | (No Data) | (No Data) | 649 | 16462.74 | 9580.45 | 33.72 | 41.81 | 6882.29 | 5551.29 | 1123498.05 | 1123498.05 | 1123498.05 | XXXXXX | 397663.75 | 71.63 | 71.63 | Fully Amortized | 5.250 | 3622.46 | 33.72 | 41.81 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 760393B9-C0D2-40D4-A205-1ECDBC02E0DE | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 1932.52 | 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 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 4.750 | N 1/8 | 9.7500 | 7.750 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.7500 | 7.7500 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | XXX | XXX | 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) | Preliminary Title | Fee Simple | XXXXXX | 83.72 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 36 | 3500.00 | 4 | 0 | 9 | 5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 654 | 627 | 673 | 8849.25 | 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 | (No Data) | (No Data) | 654 | 8849.25 | 5987.96 | 18.79 | 32.33 | 2861.29 | 1663 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 7.750 | 1932.53 | 18.79 | 32.33 | 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<br> A | A | A | A | A | Paystub - 1 months;<br> Personal Bank Statements - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 4E134020-C238-432A-8AA2-456879BDD011 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 6.3750 | 2739.48 | 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 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 5.750 | N 1/8 | 8.3750 | 6.375 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.3750 | 6.3750 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | XXX | XXX | 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) | Preliminary Title | Fee Simple | XXXXXX | 63.67 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 37 | 21500.00 | 9 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 706 | 704 | 706 | 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 | (No Data) | (No Data) | 706 | 0 | -3441.83 | 0 | 0 | 3441.83 | 0 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Indexed, Fully Amortized | 7.625 | 3108.00 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 35DA631A-8C64-496A-AFBC-E280F505D8CA | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 5.1250 | 1278.04 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.1250 | 5.125 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.1250 | 5.1250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | XXX | XXX | 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 | 74.92 | (No Data) | (No Data) | (No Data) | 82.92 | Present | XXXXXX | 2 | No | Present | XXXXXX | 50 | 15000.00 | 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 | 625 | 684 | 657 | 10683.36 | 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 | (No Data) | (No Data) | 657 | 10683.36 | 7569.65 | 20.44 | 29.15 | 3113.71 | 2183.71 | 163469.41 | 163469.41 | 163469.41 | XXXXXX | 57601.17 | 26.38 | 25.52 | Fully Indexed, Fully Amortized | 5.625 | 1351.21 | 21.13 | 29.83 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| C9B025A7-6D68-456D-B6FF-6DAD972844F7 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 6.1250 | 2187.40 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 8.1250 | 6.125 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.1250 | 6.1250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Desk | XXXXXX | XXX | XXX | 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 | 89.25 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 3 | No | Present | XXXXXX | 238 | 13500.00 | 10 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 723 | 712 | 709 | 5202.79 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 736 | 736 | 716 | 0 | (No Data) | (No Data) | 712 | 5202.79 | 2709.29 | 47.93 | 47.93 | 2493.5 | 2493.5 | 2412.41 | 2412.41 | 2412.41 | XXXXXX | 2412.41 | 0.97 | 0.97 | Fully Amortized | 6.125 | 2187.40 | 47.93 | 47.93 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months;<br> Verbal VOE with Income - 1 months | Business Bank Statements - 12 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 750E7379-86C7-4C39-89DA-D2F8A9932154 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 6.3750 | 1528.48 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 8.3750 | 6.375 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.3750 | 6.3750 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Desk | XXXXXX | XXX | XXX | 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 | 52.41 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 129 | 18500.00 | 9 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 671 | 721 | 667 | 7785.95 | 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 | (No Data) | (No Data) | 671 | 7785.95 | 4521.43 | 23.33 | 41.93 | 3264.52 | 1816.52 | 0.00 | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 6.375 | 1528.49 | 23.33 | 41.93 | 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<br> A | A | A | A | A | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 6D671ECA-D831-4A05-ACD3-50568F905A9E | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 7.4990 | 884.28 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 5.750 | N 1/8 | 9.4990 | 7.499 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.4990 | 7.4990 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Desk | XXXXXX | XXX | XXX | 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 | 138.00 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 232 | 18000.00 | 13 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 688 | 678 | 674 | 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 | (No Data) | (No Data) | 678 | 0 | -1300.11 | 0 | 0 | 1300.11 | 0 | 57122.95 | 57122.95 | 57122.95 | XXXXXX | 14907.8 | 11.47 | 11.47 | Fully Indexed, Fully Amortized | 7.500 | 884.37 | 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<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 07A2F11F-78CC-4A51-8C30-069851C05E3C | 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 | 4.5000 | 6257.56 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | Desk | XXXXXX | XXX | XXX | 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 | 129.85 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 46 | 180488.00 | 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 | 809 | 804 | 815 | 47138.12 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 789 | 810 | 831 | 0 | (No Data) | (No Data) | 809 | 47138.12 | 39265.83 | 14.13 | 16.7 | 7872.29 | 6662.73 | 443802.16 | 443802.16 | 443802.16 | XXXXXX | 230292.26 | 34.56 | 34.56 | Fully Amortized | 4.500 | 6257.57 | 14.13 | 16.7 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9434C0EA-9860-4586-9BA4-0AC4E17617F9 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 5.0000 | 1849.89 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.0000 | 5.000 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.0000 | 5.0000 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Desk | XXXXXX | XXX | XXX | 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 | 123.75 | (No Data) | (No Data) | (No Data) | 160.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 87 | 19722.00 | 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 | 693 | 704 | 685 | 4410.87 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 626 | 586 | 575 | 4410.87 | (No Data) | (No Data) | 693 | 8821.74 | 4533.41 | 35.27 | 48.61 | 4288.33 | 3111.09 | 325340.57 | 325340.57 | 325340.57 | XXXXXX | 88237.82 | 28.36 | 27.19 | Fully Indexed, Fully Amortized | 5.625 | 1983.72 | 36.78 | 50.13 | 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<br> D<br> A | A | A<br> D | A | A | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 5320DDDC-8750-4E96-9F15-DE3603C18681 | 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 | 4.8750 | 1841.64 | 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 | Desk | XXXXXX | XXX | XXX | 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 | 77.50 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 4 | No | Present | XXXXXX | 155 | 10000.00 | 12 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 690 | 736 | 721 | 15765.58 | 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 | (No Data) | (No Data) | 721 | 15765.58 | 11841.71 | 19.06 | 24.89 | 3923.87 | 3004.87 | 34967.96 | 34967.96 | 34967.96 | XXXXXX | 31820.16 | 10.59 | 10.59 | Fully Amortized | 4.875 | 1841.65 | 19.06 | 24.89 | 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<br> A | A | A | A | A | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 7B21A673-F178-44E9-8210-1DF647B25073 | 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 | 5.7490 | 1064.32 | 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 | Desk | XXXXXX | XXX | XXX | 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 | 66.00 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 61 | 6000.00 | 5 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 747 | 750 | 751 | 35998.65 | 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 | (No Data) | (No Data) | 750 | 35998.65 | 34519.22 | 3.92 | 4.11 | 1479.43 | 1410.43 | 88386.27 | 88386.27 | 88386.27 | XXXXXX | 35157.92 | 24.93 | 24.93 | Fully Amortized | 5.749 | 1064.33 | 3.92 | 4.11 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| F918C537-BFC4-4BE5-A36E-E50F700C1453 | 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 | 6.6250 | 898.04 | 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 | Full Appraisal | XXXXXX | XXX | XXX | 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 | 61.44 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 68 | 7500.00 | 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 | 667 | 677 | 650 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 656 | 635 | 639 | 6869.73 | (No Data) | (No Data) | 639 | 6869.73 | 4489.21 | 21.87 | 34.65 | 2380.52 | 1502.52 | 131769.24 | 131769.24 | 131769.24 | XXXXXX | 50115.39 | 33.35 | 33.35 | Fully Amortized | 6.625 | 898.04 | 21.87 | 34.65 | 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<br> A | A | A | A | A | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 3D69AD30-D275-4CB8-9458-F17D509BDDE9 | 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 | 6.0000 | 839.37 | 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 | Desk | XXXXXX | XXX | XXX | 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) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 1398 | 4500.00 | 3 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 784 | 782 | 793 | 3328.68 | 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 | (No Data) | (No Data) | 784 | 3328.68 | 2165.4 | 33.9 | 34.95 | 1163.28 | 1128.28 | 100739.92 | 100739.92 | 100739.92 | XXXXXX | 63638.34 | 56.4 | 56.40 | Fully Amortized | 6.000 | 839.38 | 33.9 | 34.95 | 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<br> A | A | A | A | A | CPA Letter without Income - 1 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 6354A889-73BB-4317-B98D-BBB28B08A2BB | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 I/O ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 4.6250 | 3150.78 | Monthly | XXXXXX | 480 | 360 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.500 | N 1/8 | 6.6250 | 4.625 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 9.6250 | 4.6250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Desk | XXXXXX | XXX | XXX | 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) | Preliminary Title | Fee Simple | XXXXXX | 131.17 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 3 | No | Present | XXXXXX | 69 | 26500.00 | 3 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 782 | 771 | 753 | 72096.02 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 644 | 651 | 686 | 0 | (No Data) | (No Data) | 771 | 72096.02 | 65391.65 | 6.13 | 9.3 | 6704.37 | 4417.37 | 394081.63 | 394081.63 | 394081.63 | XXXXXX | 116703.74 | 26.42 | 21.56 | Fully Indexed, Fully Amortized | 5.375 | 4147.12 | 7.51 | 10.68 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| AB60613C-6CC0-4DE2-A84B-1099C3078DAC | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 6.7500 | 1735.00 | 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 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 5.750 | N 1/8 | 8.7500 | 6.750 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.7500 | 6.7500 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | BPO | XXXXXX | XXX | XXX | 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 | 101.58 | (No Data) | (No Data) | 0.00 | 664.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 640 | 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 | Not Applicable | Not Applicable | Not Applicable | 0 | (No Data) | (No Data) | 640 | 0 | -3267.44 | 0 | 0 | 3267.44 | 0 | 287210.00 | 287210 | 287210 | XXXXXX | 41529.51 | 12.71 | 12.20 | Fully Indexed, Fully Amortized | 7.500 | 1870.40 | 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<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| E28EA392-A6AB-4F30-B3A1-63E985F19758 | 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 | 5.8740 | 1206.61 | 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 | Desk | XXXXXX | XXX | XXX | 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 | 49.20 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 3 | No | Present | XXXXXX | 138 | 6900.00 | 2 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 790 | 717 | 722 | 18291.67 | 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 | (No Data) | (No Data) | 722 | 18291.67 | 16310.49 | 9.95 | 10.83 | 1981.18 | 1820.18 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 5.874 | 1206.61 | 9.95 | 10.83 | 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<br> C<br> A | C<br> A | A<br> C | C<br> A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 7B81C475-A977-4210-8EAF-464B81726A59 | 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 | 5.3750 | 2544.51 | 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 | Subject to Completion(cert in file) | XXXXXX | BPO | XXXXXX | XXX | XXX | 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 | 87.67 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 191 | 34400.00 | 13 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 716 | 780 | 704 | 28995.32 | 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 | (No Data) | (No Data) | 716 | 28995.32 | 18681.15 | 10.44 | 35.57 | 10314.17 | 3028.17 | 1115656.19 | 1115656.19 | 1115656.19 | XXXXXX | 1115656.19 | 368.43 | 368.43 | Fully Amortized | 5.375 | 2544.51 | 10.44 | 35.57 | 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<br> D<br> A | A | A<br> D | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| F8763849-B5A1-408B-85D0-5A92B622C743 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 I/O ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 1845.89 | Monthly | XXXXXX | 480 | 360 | No | (No Data) | Yes | 120 | Yes | 36 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 5.750 | N 1/8 | 9.6250 | 7.625 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 12.6250 | 7.6250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | Desk | XXXXXX | XXX | XXX | 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 | 44.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 267 | 45112.00 | 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 | 630 | 658 | 647 | 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 | (No Data) | (No Data) | 647 | 0 | -2189.13 | 0 | 0 | 2189.13 | 0 | (No Data) | 0 | 0 | XXXXXX | 0 | 0 | 0.00 | Fully Amortized | 7.625 | 1938.59 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> C<br> A | A | A<br> C | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 6D81CCEF-57E5-4261-9C18-17D075298BDA | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 I/O ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 6.5000 | 1733.33 | Monthly | XXXXXX | 480 | 360 | No | (No Data) | Yes | 120 | Yes | 36 | 6 mos interest on amt prepd if amt prepd is >20% of OPB | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 5.750 | N 1/8 | 8.5000 | 6.500 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.5000 | 6.5000 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Desk | XXXXXX | XXX | XXX | 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 | 159.04 | (No Data) | (No Data) | (No Data) | 140.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 203 | 23100.00 | 8 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 751 | 783 | 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 | (No Data) | (No Data) | 751 | 0 | -2324.48 | 0 | 0 | 2324.48 | 0 | 110093.81 | 110093.81 | 110093.81 | XXXXXX | 19434.09 | 8.36 | 7.13 | Fully Indexed, Fully Amortized | 7.625 | 2135.45 | 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<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 972D6747-2080-433E-AB1D-723A1AC5B8A5 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 5.0000 | 620.03 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 3.750 | N 1/8 | 7.0000 | 5.000 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.0000 | 5.0000 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Desk | XXXXXX | XXX | XXX | 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 | 61.84 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 62 | 6800.00 | 4 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 752 | 759 | 716 | 3693.73 | 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 | (No Data) | (No Data) | 752 | 3693.73 | 2588.7 | 27.51 | 29.92 | 1105.03 | 1016.03 | 58421.04 | 58421.04 | 58421.04 | XXXXXX | 5051.02 | 4.97 | 4.80 | Fully Indexed, Fully Amortized | 5.500 | 655.80 | 28.48 | 30.88 | 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<br> A | A | A | A | A | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 64E41A47-4E99-422C-A2EE-2A9F5FA2EB3C | 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 | 4.9990 | 4580.15 | 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 | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 52.43 | (No Data) | (No Data) | (No Data) | 288.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 72 | 7200.00 | 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 | 729 | 737 | 20374.31 | 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 | (No Data) | (No Data) | 737 | 20374.31 | 13047 | 28.66 | 35.96 | 7327.31 | 5839.31 | 227311.00 | 227311 | 227311 | XXXXXX | 132058.22 | 22.62 | 22.62 | Fully Amortized | 4.999 | 4580.15 | 28.66 | 35.96 | 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<br> D<br> A | D<br> A | A<br> D | D<br> A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 24B38F9B-E79E-4994-A9C3-835C7004D00A | 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 | 5.0000 | 6620.22 | 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 | XXX | XXX | 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 | 137.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 55 | 30000.00 | 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 | 664 | 701 | 692 | 41455.00 | 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 | (No Data) | (No Data) | 692 | 41455 | 24474.1 | 19.27 | 40.96 | 16980.9 | 7986.9 | 51465.81 | 51465.81 | 51465.81 | XXXXXX | 51465.81 | 6.44 | 37.66 | Fully Indexed | (No Data) | 0.00 | 19.27 | 40.96 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 1668A823-6645-4388-8BF0-E1744F0F46ED | 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 | 4.4990 | 1332.43 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 32.63 | (No Data) | (No Data) | (No Data) | 565.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 321 | 23000.00 | 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 | 726 | 726 | 745 | 9894.84 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 752 | 748 | 720 | 9335.84 | (No Data) | (No Data) | 726 | 19230.68 | 9241.13 | 26.03 | 51.95 | 9989.55 | 5005.94 | 24362.60 | 24362.6 | 24362.6 | XXXXXX | 24362.6 | 10.59 | 10.59 | Fully Amortized | 4.499 | 1332.43 | 26.03 | 51.95 | 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<br> A | A | A | A | A | Personal Bank Statements - 24 months | Award Letter - 1 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| A53DB7EF-A6C5-4A4F-AAD1-206C135FCEDB | 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 | 5.4990 | 1718.44 | Monthly | XXXXXX | 480 | 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 | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | XXX | XXX | 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 | 37.83 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 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 | 716 | 693 | 718 | 0 | (No Data) | (No Data) | 716 | 0 | -2137.77 | 0 | 0 | 2137.77 | 0 | 114899.59 | 114899.59 | 114899.59 | XXXXXX | 114899.59 | 53.75 | 53.75 | Start Rate | 5.499 | 1718.44 | 0 | 0 | No Doc | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | 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 |
| 7CB5BD50-0E75-46C9-BF80-B6B48BD9191C | 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 | 4.5000 | 1383.26 | 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 | XXX | XXX | 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 | 50.93 | (No Data) | (No Data) | (No Data) | 45.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 94 | 5000.00 | 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 | 677 | 692 | 658 | 3018.50 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 741 | 678 | 687 | 3018.5 | (No Data) | (No Data) | 687 | 6037 | 4041.38 | 28.6 | 33.06 | 1995.62 | 1726.62 | 119843.81 | 119843.81 | 119843.81 | XXXXXX | 119843.81 | 69.41 | 69.41 | Fully Amortized | 4.500 | 1383.26 | 28.6 | 33.06 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | Business Bank Statements - 12 months;<br> CPA Letter with Income - 1 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| CB355AD1-F799-453E-A888-A95589A8BF8D | 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 | 3.3750 | 11101.04 | 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 | XXX | XXX | 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 | 340.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 175 | 29000.00 | 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 | 813 | 715 | 779 | 437910.26 | 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 | (No Data) | (No Data) | 779 | 437910.26 | 421509.55 | 3.35 | 3.75 | 16400.71 | 14675.71 | 301054.93 | 301054.93 | 301054.93 | XXXXXX | 301054.93 | 20.51 | 20.51 | Fully Amortized | 3.375 | 11101.04 | 3.35 | 3.75 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9D3D7F93-702E-4215-B70F-9E6C8CF801E6 | 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 | 5.4900 | 3989.86 | Monthly | XXXXXX | 480 | 360 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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 | XXX | XXX | 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 | 228.76 | (No Data) | (No Data) | 41.42 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 196 | 200000.00 | 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 | 702 | 651 | 679 | 15141.12 | 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 | (No Data) | (No Data) | 679 | 15141.12 | 8796.27 | 31.71 | 41.9 | 6344.85 | 4801.85 | 248955.23 | 248955.23 | 248955.23 | XXXXXX | 248955.23 | 51.85 | 43.23 | Fully Amortized | 5.490 | 4946.22 | 38.03 | 48.22 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| AEAF52E6-1A19-484F-A62F-4A258125EC2C | 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 | 3.3750 | 906.30 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 74.08 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 123 | 14000.00 | 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 | 753 | 799 | 789 | 3203.92 | 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 | (No Data) | (No Data) | 789 | 3203.92 | 1888.99 | 39.07 | 41.04 | 1314.93 | 1251.93 | 90672.54 | 90672.54 | 90672.54 | XXXXXX | 90672.54 | 72.43 | 72.43 | Fully Amortized | 3.375 | 906.30 | 39.07 | 41.04 | 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<br> C<br> A | C<br> B<br> A | B<br> C<br> A | C<br> B<br> A | B | Award Letter - 12 months;<br> Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| F865448A-C2E8-42B7-B2B6-557CBA75F4BE | 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 | 4.6250 | 4434.45 | 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 | XXX | XXX | 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 | 89.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 85 | 8500.00 | 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 | 698 | 707 | 651 | 25090.00 | 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 | (No Data) | (No Data) | 698 | 25090 | 17614.71 | 22.11 | 29.79 | 7475.29 | 5546.29 | 29658.73 | 29658.73 | 29658.73 | XXXXXX | 29658.73 | 5.35 | 5.35 | Fully Amortized | 4.625 | 4434.46 | 22.11 | 29.79 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 277E4A2C-8E0B-487A-90DE-08E99F849432 | 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 | 3.3750 | 2564.16 | 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 | XXX | XXX | 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 | 355.61 | (No Data) | (No Data) | 77.75 | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 201 | 12500.00 | 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 | 764 | 764 | 766 | 71590.00 | 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 | (No Data) | (No Data) | 764 | 71590 | 66144.06 | 5.23 | 7.61 | 5445.94 | 3741.94 | 65235.17 | 65235.17 | 65235.17 | XXXXXX | 56760.39 | 15.17 | 15.17 | Fully Amortized | 3.375 | 2564.16 | 5.23 | 7.61 | 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<br> C<br> A | C<br> B<br> A | B<br> C<br> A | C<br> B<br> A | B | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 75FD5A6D-0570-422A-8B15-962E428673E4 | 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 | 5.7500 | 2127.12 | 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 | XXX | XXX | 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 | 70.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 21 | 750.00 | 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 | 721 | 703 | 724 | 7494.42 | 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 | (No Data) | (No Data) | 721 | 7494.42 | 4889.01 | 33.95 | 34.76 | 2605.41 | 2544.41 | 231568.59 | 231568.59 | 231568.59 | XXXXXX | 231568.59 | 91.01 | 91.01 | Fully Amortized | 5.750 | 2127.13 | 33.95 | 34.76 | 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<br> D<br> A | A | A<br> D | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 206F8B3F-0E9C-4938-80B5-38E8AEC23168 | 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 | 3.3750 | 3791.75 | 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 | XXX | XXX | 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 | 113.93 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 165 | 8000.00 | 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 | 790 | 812 | 817 | 29453.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 749 | 744 | 780 | 0 | (No Data) | (No Data) | 812 | 29453 | 24453.5 | 16.97 | 16.97 | 4999.5 | 4999.5 | 94087.32 | 94087.32 | 94087.32 | XXXXXX | 92440.39 | 18.49 | 18.49 | Fully Amortized | 3.375 | 3791.75 | 16.97 | 16.97 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 2F37AF95-FF9C-476A-967F-93EBD37CA45F | 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 | 3.2500 | 1740.83 | 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 | XXX | XXX | 77.5 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | Yes | XXXXXX | 0.00 | Preliminary Title | Fee Simple | XXXXXX | 123.83 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 333 | 200000.00 | 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 | 746 | 760 | 761 | 33312.62 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 738 | 750 | 764 | 33312.62 | (No Data) | (No Data) | 760 | 66625.24 | 63551.6 | 3.27 | 4.61 | 3073.64 | 2175.64 | 661610.81 | 596650.84 | 596650.84 | XXXXXX | 596650.84 | 274.24 | 274.24 | Start Rate | 3.250 | 1740.83 | 3.27 | 4.61 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9C41AC33-3B72-4258-9CE5-2A4A6DA44BC2 | 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 | 6.5000 | 4545.13 | 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 | XXX | XXX | 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 | 64.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 151 | 25426.00 | 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 | 629 | 575 | 619 | 11334.65 | 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 | (No Data) | (No Data) | 619 | 11334.65 | 5558.5 | 47.05 | 50.96 | 5776.15 | 5333.15 | 34404.43 | 34404.43 | 34404.43 | XXXXXX | 34404.43 | 6.45 | 6.45 | Start Rate | 6.500 | 4545.14 | 47.05 | 50.96 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 8FD75C95-8E31-40C9-B9AD-6D6F1E7A079B | 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 | 4.6250 | 1446.02 | 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 | XXX | XXX | 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 | 77.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 50 | 12000.00 | 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 | 700 | 714 | 718 | 4152.00 | 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 | (No Data) | (No Data) | 714 | 4152 | 2221.15 | 43.32 | 46.5 | 1930.85 | 1798.85 | 19056.28 | 19056.28 | 19056.28 | XXXXXX | 9619.01 | 5.35 | 5.35 | Fully Amortized | 4.625 | 1446.02 | 43.32 | 46.5 | 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<br> C<br> A | C<br> B<br> A | B<br> C<br> A | C<br> B<br> A | B | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| FBF0D4C7-634B-43CB-9022-0086A965848C | 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 | 4.2490 | 4476.12 | 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 | XXX | XXX | 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 | 297.33 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 19 | 4100.00 | 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 | 796 | 707 | 746 | 11705.50 | 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 | (No Data) | (No Data) | 746 | 11705.5 | 5739.92 | 47.24 | 50.96 | 5965.58 | 5529.58 | 126322.70 | 126322.7 | 126322.7 | XXXXXX | 117830.32 | 21.31 | 21.31 | Fully Amortized | 4.249 | 4476.13 | 47.24 | 50.96 | 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<br> C<br> A | C<br> A | A<br> C | C<br> A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| A57FFD1C-11B4-4C81-A69E-080FDE20CD3C | 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 | 4.7490 | 2177.54 | 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 | XXX | XXX | 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 | 186.42 | (No Data) | (No Data) | (No Data) | 36.00 | Present | XXXXXX | 6 | No | Present | XXXXXX | 90 | 13100.00 | 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 | 684 | 688 | 700 | 9650.38 | 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 | (No Data) | (No Data) | 688 | 10246.45 | 7238.27 | 27.26 | 29.36 | 3008.18 | 2793.18 | 353444.82 | 336573.88 | 336573.88 | XXXXXX | 170567.43 | 61.07 | 61.07 | Fully Amortized | (No Data) | 2177.54 | 27.26 | 29.36 | 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<br> A | A | A | A | A | Business Tax Return - 12 months;<br> Lease Agreement - 12 months;<br> P & L - 12 months;<br> Paystub - 3 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| F7F22B77-415E-4FB4-BFC0-39B770EC47A7 | 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 | 3.5000 | 2330.55 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 57.42 | (No Data) | (No Data) | (No Data) | 460.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 104 | 34000.00 | 4 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 801 | 837 | 815 | 7977.26 | 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 | (No Data) | (No Data) | 815 | 7977.26 | 4320.28 | 44.11 | 45.84 | 3656.98 | 3518.98 | 119706.65 | 119706.65 | 119706.65 | XXXXXX | 119706.65 | 34.02 | 34.02 | Fully Amortized | 3.500 | 2330.55 | 44.11 | 45.84 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 6D8981DE-2E77-47AD-B133-B31301810E92 | 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 | 3.3750 | 5084.11 | 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 | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 266.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 34 | 49848.00 | 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 | 808 | 829 | 800 | 30924.51 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 817 | 830 | 826 | 0 | (No Data) | (No Data) | 808 | 30924.51 | 21141.16 | 22.14 | 31.64 | 9783.35 | 6847.76 | 991525.14 | 991525.14 | 991525.14 | XXXXXX | 991525.14 | 144.8 | 144.80 | Fully Amortized | 3.375 | 5084.11 | 22.14 | 31.64 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 11F6168B-077B-4268-9D8C-F132DF502796 | 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 | 4.5000 | 5540.63 | Monthly | XXXXXX | 480 | 360 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 259.04 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 115 | 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 | 695 | 715 | 654 | 92151.00 | 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 | (No Data) | (No Data) | 695 | 92151 | 82639.2 | 7.29 | 10.32 | 9511.8 | 6714.8 | 854233.75 | 854233.75 | 854233.75 | XXXXXX | 300173.51 | 44.7 | 34.66 | Fully Amortized | 4.500 | 7486.28 | 9.4 | 12.43 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 4F1E21DE-7153-4B8A-9FFA-CBAE2D0B21F8 | 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 | 4.7500 | 6990.08 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 49.17 | (No Data) | (No Data) | (No Data) | 853.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 227 | 39000.00 | 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 | 788 | 737 | 786 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 766 | 794 | 760 | 0 | (No Data) | (No Data) | 786 | 0 | -8082.88 | 0 | 0 | 8082.88 | 0 | 555086.97 | 555086.97 | 555086.97 | XXXXXX | 201805.73 | 24.97 | 24.97 | Fully Amortized | 4.750 | 6990.08 | 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<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 1DE69CA0-0053-471F-AA4B-BA77BE4620C2 | 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 | 4.8750 | 2832.33 | 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 | XXX | XXX | 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 | 113.58 | (No Data) | (No Data) | (No Data) | 38.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 40 | 500.00 | 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 | 670 | 695 | 680 | 7091.76 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 650 | 626 | 653 | 3723 | (No Data) | (No Data) | 680 | 10814.76 | 6896.72 | 35.46 | 36.23 | 3918.04 | 3835.04 | 185676.89 | 185676.89 | 185676.89 | XXXXXX | 27893.94 | 7.27 | 7.27 | Fully Amortized | 4.875 | 2832.33 | 35.46 | 36.23 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 0F569106-15A7-433C-8099-136529EC6A21 | 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 | 4.5000 | 3749.62 | Monthly | XXXXXX | 480 | 360 | No | (No Data) | Yes | 120 | Yes | 48 | 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 | 4 Family | 4 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 286.58 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 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 | 714 | 736 | 718 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 728 | 741 | 731 | 0 | (No Data) | (No Data) | 718 | 0 | -4951.87 | 0 | 0 | 4951.87 | 0 | 82775.96 | 82775.96 | 82775.96 | XXXXXX | 82775.96 | 16.72 | 13.20 | Fully Amortized | 4.500 | 5066.35 | 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<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| F658A094-3DE5-453E-909B-FCCA3E3BB019 | 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 | 5.2490 | 3313.43 | Monthly | XXXXXX | 480 | 360 | No | (No Data) | Yes | 120 | Yes | 48 | 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 | 3 Family | 3 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 253.67 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 213 | 7500.00 | 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 | 714 | 736 | 718 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 729 | 741 | 731 | 0 | (No Data) | (No Data) | 718 | 0 | -4217.03 | 0 | 0 | 4217.03 | 0 | 207829.07 | 207829.07 | 207829.07 | XXXXXX | 207829.07 | 49.28 | 49.28 | Start Rate | 5.249 | 3313.43 | 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<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 67308AA5-2BB2-48AF-88E9-7F2F2DA9BAD8 | 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 | 4.5000 | 2400.00 | Monthly | XXXXXX | 480 | 360 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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 | XXX | XXX | 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 | 116.02 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 1460 | 72255.00 | 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 | 733 | 701 | 733 | 16906.10 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 775 | 734 | 771 | 0 | (No Data) | (No Data) | 733 | 16906.1 | 10192.07 | 20.82 | 39.71 | 6714.03 | 3519.03 | 85920.25 | 85920.25 | 85920.25 | XXXXXX | 85920.25 | 24.42 | 24.42 | I/O Amount | 4.500 | 2400.00 | 20.82 | 39.71 | 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<br> A | A | A | A | A | Personal Bank Statements - 12 months | Personal Bank Statements - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 628CC9DF-26F6-490A-A228-5F69C580CD0E | 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 | 4.6250 | 3068.59 | 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 | XXX | XXX | 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 | 104.83 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 72 | 13650.00 | 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 | 675 | 660 | 654 | 25906.00 | 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 | (No Data) | (No Data) | 660 | 25906 | 21352.68 | 15.19 | 17.58 | 4553.32 | 3935.32 | 263323.67 | 263323.67 | 263323.67 | XXXXXX | 117815.31 | 29.94 | 29.94 | Fully Amortized | 4.625 | 3068.59 | 15.19 | 17.58 | 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<br> D<br> A | D<br> A | A<br> D | D<br> A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 37BED81D-3742-4D08-9C89-E6530A148F03 | 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 | 4.1250 | 9622.73 | 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 | XXX | XXX | 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 | 169.35 | (No Data) | (No Data) | (No Data) | 150.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 30 | 12000.00 | 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 | 631 | 713 | 661 | 71804.00 | 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 | (No Data) | (No Data) | 661 | 71804 | 50312.23 | 18.21 | 29.93 | 21491.77 | 13077.96 | 268714.99 | 268714.99 | 268714.99 | XXXXXX | 268714.99 | 20.55 | 20.55 | Fully Amortized | 4.125 | 9622.73 | 18.21 | 29.93 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 0A9752B7-2A99-4199-AA5F-7DBCB4D152AE | 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 | 4.5000 | 2387.70 | 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 | XXX | XXX | 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 | 71.33 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 191 | 8650.00 | 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 | 719 | 700 | 699 | 61450.28 | 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 | (No Data) | (No Data) | 700 | 61450.28 | 58024.08 | 4.77 | 5.58 | 3426.2 | 2929.2 | 125120.91 | 125120.91 | 125120.91 | XXXXXX | 125120.91 | 42.72 | 42.71 | Fully Amortized | 4.500 | 2387.71 | 4.77 | 5.58 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 2691D0AD-917E-426E-AE5D-A470DF260790 | 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 | 4.0000 | 2209.67 | 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 | XXX | XXX | 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 | 105.17 | (No Data) | (No Data) | 45.17 | 69.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 34 | 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 | 786 | 800 | 760 | 5727.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 674 | 672 | 691 | 1263.71 | (No Data) | (No Data) | 786 | 6990.71 | 3914.95 | 43.24 | 44 | 3075.76 | 3022.76 | 135952.44 | 135952.44 | 135952.44 | XXXXXX | 11827.61 | 3.91 | 3.91 | Fully Amortized | 4.000 | 2209.67 | 43.24 | 44 | 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<br> C<br> A | C<br> A | A<br> C | C<br> A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | Paystub - 1 months;<br> Verbal VOE with Income - 1 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| FC4EA628-5E65-4BCD-A827-CA5FBEE25D40 | 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 | 3.8750 | 8232.92 | 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 | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 278.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 46 | 717000.00 | 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 | 791 | 793 | 775 | 182463.16 | 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 | (No Data) | (No Data) | 791 | 182463.16 | 170303.2 | 0 | 6.66 | 12159.96 | 0 | 155090.11 | 155090.11 | 155090.11 | XXXXXX | 150574.19 | 12.65 | 12.65 | Fully Amortized | 3.875 | 8232.92 | 0 | 6.66 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| B1688318-88F3-456E-8701-FB21CC9C5707 | 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 | 5.3750 | 2645.86 | 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 | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 172.08 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 50 | 12000.00 | 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 | 738 | 764 | 738 | 16249.00 | 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 | (No Data) | (No Data) | 738 | 16249 | 11672.87 | 20.37 | 28.16 | 4576.13 | 3310.13 | 101837.36 | 101837.36 | 101837.36 | XXXXXX | 53066.02 | 16.03 | 16.03 | Fully Amortized | 5.375 | 2645.87 | 20.37 | 28.16 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 4E6C97E4-9ECD-4814-B4EA-545D5B2136D9 | 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 | 5.0000 | 1207.85 | 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 | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 101.58 | (No Data) | (No Data) | (No Data) | 83.30 | Present | XXXXXX | 1 | No | Present | XXXXXX | 39 | 10500.00 | 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 | 676 | 691 | 679 | 6864.68 | 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 | (No Data) | (No Data) | 679 | 6864.68 | 4515.19 | 24.09 | 34.23 | 2349.49 | 1653.49 | 207860.21 | 207860.21 | 207860.21 | XXXXXX | 207860.21 | 125.71 | 125.71 | Fully Amortized | 5.000 | 1207.85 | 24.09 | 34.23 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 2F8DC8B8-C441-4015-8CDE-7B498274E336 | 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 | 4.9990 | 2146.19 | 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 | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 80.92 | (No Data) | (No Data) | (No Data) | 209.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 125 | 30000.00 | 11 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 666 | 703 | 692 | 23853.09 | 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 | (No Data) | (No Data) | 692 | 23853.09 | 19281.31 | 14.43 | 19.17 | 4571.78 | 3442.78 | 108064.52 | 108064.52 | 108064.52 | XXXXXX | 24579.1 | 7.14 | 7.14 | Fully Amortized | 4.999 | 2146.19 | 14.43 | 19.17 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> D<br> A | D<br> A | A<br> D | D<br> A | A | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| ABEC5A85-33E8-412C-84D6-9E2532CB3AF6 | 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 | 5.2490 | 3440.95 | 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 | (No Data) | XXXXXX | XXX | XXX | 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 | 93.33 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 16 | 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 | 712 | 751 | 700 | 112202.63 | 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 | (No Data) | (No Data) | 712 | 112202.63 | 79746.22 | 6.51 | 28.93 | 32456.41 | 7300 | 1446387.80 | 1446387.8 | 1446387.8 | XXXXXX | 1278761.11 | 307.89 | 307.89 | Fully Amortized | 5.249 | 3440.95 | 6.51 | 28.93 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| C9C1CD63-8D4A-4BB5-B3CF-8EFB7D4F9952 | 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 | 3.5000 | 4881.54 | 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 | XXX | XXX | 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 | 337.33 | (No Data) | (No Data) | (No Data) | 190.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 414 | 78400.00 | 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 | 755 | 689 | 750 | 15432.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 762 | 779 | 763 | 0 | (No Data) | (No Data) | 750 | 15432 | 7821.71 | 43.05 | 49.31 | 7610.29 | 6643.01 | 53683.32 | 53683.32 | 53683.32 | XXXXXX | 53683.32 | 8.08 | 8.08 | Fully Amortized | 3.500 | 4881.54 | 43.05 | 49.31 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 2F938EC8-8C1A-4FBF-9E61-E9288B744D08 | 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 | 4.7500 | 1564.95 | 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 | XXX | XXX | 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 | 250.41 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 227 | 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 | 695 | 712 | 704 | 7119.40 | 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 | (No Data) | (No Data) | 704 | 7119.4 | 4306.19 | 33.5 | 39.51 | 2813.21 | 2384.71 | 627771.02 | 627771.02 | 627771.02 | XXXXXX | 434332.23 | 182.13 | 182.13 | Fully Amortized | 4.750 | 1564.95 | 33.5 | 39.51 | 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<br> D<br> A<br> C | D<br> A | A<br> D<br> C | D<br> A | A | Award Letter - 12 months;<br> Paystub - 2 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 48266F07-679F-445C-8035-E8BE3A8855A1 | 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 | 5.6250 | 2958.87 | 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 | XXX | XXX | 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 | 60.68 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 25 | 9500.00 | 4 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 748 | 710 | 720 | 7545.10 | 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 | (No Data) | (No Data) | 720 | 7545.1 | 3929.72 | 47.92 | 47.92 | 3615.38 | 3615.38 | 133049.54 | 133049.54 | 133049.54 | XXXXXX | 55711.13 | 15.41 | 15.41 | Fully Amortized | 5.625 | 2958.88 | 47.92 | 47.92 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> C<br> A | C<br> A | A<br> C | C<br> A | A | IRS Transcripts – W2(s) - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 20A688B2-1C37-40FF-8CB2-04D6D371F769 | 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 | 5.7500 | 3046.83 | 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 | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 127.42 | (No Data) | (No Data) | (No Data) | 94.75 | Present | XXXXXX | 2 | No | Present | XXXXXX | 67 | 35000.00 | 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 | 729 | 705 | 720 | 13406.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 754 | 769 | 784 | 0 | (No Data) | (No Data) | 720 | 13406 | 7705.82 | 37.51 | 42.52 | 5700.18 | 5029.18 | 117899.11 | 117899.11 | 117899.11 | XXXXXX | 41141.61 | 8.18 | 8.18 | Fully Amortized | 5.750 | 3046.84 | 37.51 | 42.52 | 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<br> C<br> A | C<br> A | A<br> C | C<br> A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 3E78C3CC-8187-419F-891B-5EF1CBCB8099 | 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 | 3.8750 | 1880.95 | 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 | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 141.73 | (No Data) | (No Data) | (No Data) | 16.25 | Present | XXXXXX | 2 | No | Present | XXXXXX | 143 | 15000.00 | 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 | 786 | 790 | 777 | 13400.00 | 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 | (No Data) | (No Data) | 786 | 13400 | 10911.86 | 17.43 | 18.57 | 2488.14 | 2335.14 | 316420.35 | 316420.35 | 316420.35 | XXXXXX | 93214.41 | 39.92 | 39.92 | Fully Amortized | 3.875 | 1880.95 | 17.43 | 18.57 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 8A2C0EB8-00D0-449D-9161-694482853DED | 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 | 4.9990 | 3140.05 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 289.20 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 233 | 25072.00 | 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 | 687 | 722 | 723 | 11860.26 | 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 | (No Data) | (No Data) | 722 | 11860.26 | 7197.44 | 34.08 | 39.31 | 4662.82 | 4041.82 | 114306.95 | 114306.95 | 114306.95 | XXXXXX | 37761.31 | 9.34 | 9.34 | Start Rate | 4.999 | 3140.05 | 34.08 | 39.31 | 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<br> D<br> A | D<br> A | A<br> D | D<br> A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 6380EAEA-B7D5-4952-925B-5A1B687D9518 | 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 | 4.3750 | 3707.19 | 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 | XXX | XXX | 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 | 296.08 | (No Data) | (No Data) | 0.00 | 278.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 135 | 2510.00 | 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 | 753 | 770 | 766 | 32041.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 731 | 772 | 733 | 0 | (No Data) | (No Data) | 766 | 32041 | 26121.96 | 16.23 | 18.47 | 5919.04 | 5199.04 | 214574.00 | 214574 | 214574 | XXXXXX | 122146.47 | 23.49 | 23.49 | Fully Amortized | 4.375 | 3707.20 | 16.23 | 18.47 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> C<br> A | A | A<br> C | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 6F92CBBC-9738-431B-8E6D-DD475DCFCEF3 | 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 | 5.0000 | 2227.81 | 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 | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 121.56 | (No Data) | (No Data) | 93.22 | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 284 | 8700.00 | 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 | 702 | 678 | 692 | 25344.71 | 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 | (No Data) | (No Data) | 692 | 25344.71 | 19183.79 | 10.37 | 24.31 | 6160.92 | 2627.92 | 450216.39 | 450216.39 | 450216.39 | XXXXXX | 248046.58 | 94.39 | 94.39 | Fully Amortized | 5.000 | 2227.81 | 10.37 | 24.31 | 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<br> C<br> A | A | A<br> C | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 6A67B485-501D-4FEA-B3EC-7644F0D00478 | 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 | 5.3750 | 1948.70 | 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 | XXX | XXX | 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 | 162.86 | (No Data) | (No Data) | (No Data) | 18.33 | Present | XXXXXX | 3 | No | Present | XXXXXX | 73 | 11000.00 | 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 | 756 | 778 | 746 | 109603.00 | 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 | (No Data) | (No Data) | 756 | 109603 | 103564.76 | 2.55 | 5.51 | 6038.24 | 2800.16 | 168899.48 | 168899.48 | 168899.48 | XXXXXX | 123946.82 | 44.26 | 44.26 | Fully Amortized | 5.375 | 1948.70 | 2.55 | 5.51 | 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<br> C<br> A | A | A<br> C | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 609330F5-790A-4E5E-A74F-5B41FAAC8068 | 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 | 3.5000 | 1580.19 | 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 | XXX | XXX | 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 | 70.25 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 90 | 6900.00 | 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 | 806 | 700 | 725 | 43003.73 | 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 | (No Data) | (No Data) | 725 | 43003.73 | 40974.13 | 4.64 | 4.72 | 2029.6 | 1993.6 | 274979.51 | 274979.51 | 274979.51 | XXXXXX | 44887.31 | 22.52 | 22.52 | Fully Amortized | 3.500 | 1580.19 | 4.64 | 4.72 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| A4A068EE-7143-48F6-8231-3351BC23FC58 | 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 | 4.7500 | 2766.74 | 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 | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 56.67 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 123 | 12200.00 | 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 | 728 | 728 | 737 | 12481.00 | 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 | (No Data) | (No Data) | 728 | 12481 | 7613.59 | 28.15 | 39 | 4867.41 | 3513.41 | 189692.35 | 189692.35 | 189692.35 | XXXXXX | 43709.35 | 12.44 | 12.44 | Fully Amortized | 4.750 | 2766.74 | 28.15 | 39 | 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<br> C<br> A | C<br> A | A<br> C | C<br> A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 1F150C4F-CABF-412E-8D14-1E633C76ED07 | 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 | 4.8750 | 1800.37 | 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 | XXX | XXX | 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 | 114.08 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 215 | 15000.00 | 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 | 674 | 647 | 671 | 12003.77 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 701 | 695 | 679 | 12003.77 | (No Data) | (No Data) | 695 | 24007.54 | 19967.5 | 8.5 | 16.83 | 4040.04 | 2040.04 | 190383.91 | 190383.91 | 190383.91 | XXXXXX | 190383.91 | 93.32 | 93.32 | Fully Amortized | 4.875 | 1800.37 | 8.5 | 16.83 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | CPA Letter without Income - 1 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| B1F18A36-BAAA-4BEB-94E2-715B0E3641DD | 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 | 3.9990 | 3942.97 | 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 | XXX | XXX | 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 | 120.92 | (No Data) | (No Data) | (No Data) | 150.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 118 | 30093.00 | 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 | 762 | 747 | 761 | 12069.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 766 | 738 | 745 | 20595 | (No Data) | (No Data) | 761 | 32664 | 18267.43 | 13.74 | 44.07 | 14396.57 | 4486.78 | 202419.41 | 202419.41 | 202419.41 | XXXXXX | 202419.41 | 45.11 | 45.11 | Fully Amortized | 3.999 | 3942.98 | 13.74 | 44.07 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 99CC4461-E1BA-4817-964B-6B0E4699780C | 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 | 3.9990 | 5990.84 | 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 | XXX | XXX | 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 | 154.43 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 181 | 40503.00 | 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 | 754 | 730 | 764 | 28060.44 | 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 | (No Data) | (No Data) | 754 | 28396.96 | 20172.05 | 23.53 | 28.96 | 8224.91 | 6681.91 | 839349.00 | 839349 | 839349 | XXXXXX | 488581.51 | 73.12 | 73.12 | Fully Amortized | 3.999 | 5990.84 | 23.53 | 28.96 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 8D5989FE-B838-46B3-ADD7-3C063000755A | 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 | 5.2500 | 8683.41 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 152.08 | (No Data) | (No Data) | (No Data) | 325.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 170 | 25000.00 | 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 | 657 | 702 | 681 | 28451.90 | 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 | (No Data) | (No Data) | 681 | 28451.9 | 16277.79 | 38.39 | 42.79 | 12174.11 | 10922.11 | 272383.09 | 272383.09 | 272383.09 | XXXXXX | 272383.09 | 24.94 | 24.94 | Fully Amortized | 5.250 | 8683.41 | 38.39 | 42.79 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 51ED3531-BB5F-41F3-AD6C-621D4CDAC067 | 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 | 4.7500 | 3334.37 | 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 | XXX | XXX | 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 | 84.82 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 109 | 35549.00 | 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 | 800 | 802 | 793 | 12762.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 795 | 815 | 809 | 5680.14 | (No Data) | (No Data) | 800 | 18442.14 | 13204.64 | 23.05 | 28.4 | 5237.5 | 4251.48 | 223700.21 | 223700.21 | 223700.21 | XXXXXX | 62973.8 | 14.81 | 14.81 | Fully Amortized | 4.750 | 3334.37 | 23.05 | 28.4 | 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<br> C<br> A | C<br> A | A<br> C | C<br> A | A | Business Bank Statements - 12 months | Paystub - 2 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 822FDABC-41D0-45AC-B1EE-0E989D84777B | 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 | 4.9990 | 3744.88 | 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 | XXX | XXX | 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 | 238.25 | (No Data) | (No Data) | 0.00 | 161.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 1395 | 4000.00 | 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 | 703 | 712 | 715 | 33580.50 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 653 | 635 | 661 | 33580.5 | (No Data) | (No Data) | 712 | 67161 | 53223.11 | 7 | 20.75 | 13937.89 | 4702.3 | 308919.99 | 308919.99 | 308919.99 | XXXXXX | 138560.96 | 29.47 | 29.47 | Fully Amortized | 4.999 | 3744.88 | 7 | 20.75 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 844018F1-CC88-430E-A521-993B5BD5F141 | 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 | 6.2490 | 14652.52 | 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 | XXX | XXX | 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 | 239.68 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 200 | 22300.00 | 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 | 629 | 653 | 668 | 178532.00 | 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 | (No Data) | (No Data) | 653 | 178532 | 149269.29 | 8.83 | 16.39 | 29262.71 | 15760.31 | 2327150.62 | 2327150.62 | 2327150.62 | XXXXXX | 1339128.17 | 84.97 | 84.97 | Fully Amortized | 6.249 | 14652.53 | 8.83 | 16.39 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| DF38C56A-303E-49AE-90EB-321359192D6B | 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 | 3.8750 | 5012.73 | 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 | XXX | XXX | 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 | 195.00 | (No Data) | (No Data) | (No Data) | 76.25 | Present | XXXXXX | 3 | No | Present | XXXXXX | 123 | 7500.00 | 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 | 704 | 691 | 658 | 17157.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 782 | 731 | 743 | 10627.5 | (No Data) | (No Data) | 691 | 27784.5 | 19890.64 | 21.84 | 28.41 | 7893.86 | 6068.86 | 99998.71 | 99998.71 | 99998.71 | XXXXXX | 88160.4 | 14.53 | 14.53 | Fully Amortized | 3.875 | 5012.73 | 21.84 | 28.41 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| EF7AF4F7-753C-4840-86E4-EC877D23BD69 | 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 | 4.2500 | 2395.75 | 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 | XXX | XXX | 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 | 129.71 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 81 | 8500.00 | 5 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 704 | 692 | 707 | 21873.00 | 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 | (No Data) | (No Data) | 704 | 21873 | 16614.83 | 14.95 | 24.04 | 5258.17 | 3270.17 | 57374.20 | 57374.2 | 57374.2 | XXXXXX | 57374.2 | 17.54 | 17.54 | Fully Amortized | 4.250 | 2395.75 | 14.95 | 24.04 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 302E5FE9-8B17-4521-88EB-A34A5E181D35 | 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 | 4.2490 | 2287.25 | 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 | XXX | XXX | 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 | 143.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 113 | 34000.00 | 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 | 793 | 770 | 787 | 6890.00 | 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 | (No Data) | (No Data) | 787 | 6890 | 3530.81 | 38.1 | 48.75 | 3359.19 | 2625.19 | 86713.68 | 86713.68 | 86713.68 | XXXXXX | 86713.68 | 33.03 | 33.03 | Fully Amortized | 4.249 | 2287.25 | 38.1 | 48.75 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 937FD226-7778-49A8-9E32-DC61D716E26D | 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 | 4.2490 | 4918.82 | 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 | XXX | XXX | 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 | 263.58 | (No Data) | (No Data) | (No Data) | 110.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 63 | 35000.00 | 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 | 811 | 799 | 810 | 453574.98 | 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 | (No Data) | (No Data) | 810 | 453574.98 | 445750.03 | 1.36 | 1.73 | 7824.95 | 6183.95 | 976590.76 | 976590.76 | 976590.76 | XXXXXX | 976590.76 | 157.92 | 157.92 | Fully Amortized | 4.249 | 4918.82 | 1.36 | 1.73 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 236EA7D2-89B5-4C9D-A2EE-D8C1EF4EE378 | 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 | 5.6250 | 9375.00 | Monthly | XXXXXX | 480 | 360 | No | (No Data) | Yes | 120 | 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 | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 0 | Missing | XXXXXX | XXXXXX | XXXXXX | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 401.33 | (No Data) | (No Data) | (No Data) | 99.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 114 | 26000.00 | 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 | 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 | 749 | 782 | 767 | 0 | (No Data) | (No Data) | 767 | 0 | -10049.39 | 0 | 0 | 10049.39 | 0 | 1363562.72 | 1363562.72 | 1363562.72 | XXXXXX | 313319.04 | 31.18 | 25.71 | Fully Amortized | 5.625 | 11513.13 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Estimated | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| CBD1E27B-5A9E-4926-80CA-1A65C8E2353C | 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 | 3.1250 | 1671.31 | 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 | XXX | XXX | 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 | 66.42 | (No Data) | (No Data) | (No Data) | 13.75 | Present | XXXXXX | 2 | No | Present | XXXXXX | 80 | 10000.00 | 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 | 785 | 765 | 766 | 8879.00 | 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 | (No Data) | (No Data) | 766 | 8879 | 5430.57 | 21.81 | 38.84 | 3448.43 | 1936.43 | 200621.33 | 184161.86 | 184161.86 | XXXXXX | 45826.36 | 23.67 | 23.67 | Fully Amortized | 3.125 | 1671.31 | 21.81 | 38.84 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| C18B9CDB-591F-458E-8C2F-B8CFED570216 | 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 | 4.7500 | 1877.44 | Monthly | XXXXXX | 480 | 360 | No | (No Data) | Yes | 120 | Yes | 48 | 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 | (No Data) | XXXXXX | XXX | XXX | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 167.42 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 97 | 9400.00 | 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 | 696 | 701 | 682 | 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 | (No Data) | (No Data) | 696 | 0 | -2556.78 | 0 | 0 | 2556.78 | 0 | 16004.53 | 16004.53 | 16004.53 | XXXXXX | 16004.53 | 6.26 | 5.08 | Fully Amortized | 4.750 | 2474.18 | 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<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 7A37690F-8954-463A-8B2E-AAC6E62DFDCC | 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 | 3.9990 | 1451.17 | 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 | XXX | XXX | 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 | 74.33 | (No Data) | (No Data) | (No Data) | 50.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 61 | 11500.00 | 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 | 721 | 706 | 733 | 4342.57 | 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 | (No Data) | (No Data) | 721 | 4342.57 | 2541.78 | 40.55 | 41.47 | 1800.79 | 1760.79 | 39338.05 | 39338.05 | 39338.05 | XXXXXX | 32834.21 | 18.65 | 18.65 | Fully Amortized | 3.999 | 1451.17 | 40.55 | 41.47 | 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<br> A | A | A | A | A | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 2F739D52-D3C7-4A24-B25F-07FEF800FDE1 | 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 | 4.6250 | 2216.28 | 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 | XXX | XXX | 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 | 145.75 | (No Data) | (No Data) | (No Data) | 99.75 | Present | XXXXXX | 4 | No | Present | XXXXXX | 171 | 17200.00 | 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 | 664 | 611 | 666 | 23333.00 | 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 | (No Data) | (No Data) | 664 | 23333 | 16827.61 | 16.19 | 27.88 | 6505.39 | 3777.39 | 1384.85 | 1384.85 | 1384.85 | XXXXXX | 872.71 | 0.23 | 0.23 | Fully Amortized | 4.625 | 2216.28 | 16.19 | 27.88 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| A79D4F7F-D82D-4A1E-A759-2F2C891C089E | 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 | 3.6250 | 3361.10 | 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 | XXX | XXX | 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 | 141.33 | (No Data) | (No Data) | (No Data) | 73.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 225 | 21600.00 | 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 | 787 | 780 | 9722.42 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 796 | 757 | 746 | 6040.67 | (No Data) | (No Data) | 757 | 15763.09 | 9956.15 | 27.31 | 36.84 | 5806.94 | 4305.01 | 33821.53 | 33821.53 | 33821.53 | XXXXXX | 33821.53 | 7.86 | 7.86 | Fully Amortized | 3.625 | 3361.10 | 27.31 | 36.84 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| D3CB271D-D783-4C7A-9C85-80967867CC7E | 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 | 4.3750 | 1711.55 | 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 | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 103.00 | (No Data) | (No Data) | (No Data) | 81.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 136 | 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 | 740 | 736 | 751 | 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 | (No Data) | (No Data) | 740 | 0 | -2774.91 | 0 | 0 | 2774.91 | 0 | 115853.71 | 115853.71 | 115853.71 | XXXXXX | 31560.73 | 11.37 | 11.37 | Fully Amortized | 4.375 | 1711.55 | 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<br> C<br> A | A | A<br> C | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 6127631C-C840-4B92-BFB7-A4D69FBFA7C4 | 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 | 4.7500 | 2606.64 | Monthly | XXXXXX | 480 | 360 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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 | XXX | XXX | 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 | 109.03 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 92 | 12600.00 | 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 | 683 | 651 | 691 | 22233.11 | 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 | (No Data) | (No Data) | 683 | 22233.11 | 15411.62 | 15.19 | 30.68 | 6821.49 | 3377.47 | 34840.54 | 34840.54 | 34840.54 | XXXXXX | 34840.54 | 10.32 | 8.28 | Fully Amortized | 4.750 | 3435.16 | 18.92 | 34.41 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| DA350E09-E9A4-4131-8F04-7D92E05F6E78 | 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 | 4.6250 | 6971.74 | 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 | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 297.58 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 134 | 16000.00 | 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 | 733 | 760 | 0 | (No Data) | (No Data) | 745 | 0 | -8681.82 | 0 | 0 | 8681.82 | 0 | 433162.48 | 433162.48 | 433162.48 | XXXXXX | 110528.13 | 12.73 | 12.73 | Fully Amortized | 4.625 | 6971.74 | 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<br> D<br> A | N/A | N/A<br> D | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 5D6EE23C-8DD0-4C20-A803-F597806FDABA | 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 | 3.7500 | 2107.18 | 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 | XXX | XXX | 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 | 82.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 151 | 5000.00 | 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 | 753 | 808 | 735 | 5166.50 | 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 | (No Data) | (No Data) | 753 | 5166.5 | 2673.35 | 44.62 | 48.26 | 2493.15 | 2305.15 | 124255.65 | 124255.65 | 124255.65 | XXXXXX | 124255.65 | 53.9 | 53.90 | Fully Amortized | 3.750 | 2107.18 | 44.62 | 48.26 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> C<br> A | C<br> B<br> A | B<br> C<br> A | C<br> B<br> A | B | Award Letter - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| A4A7FB75-7B3E-49BE-BAB3-A4028847303A | 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 | 4.8750 | 1672.30 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 48 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 33.81 | (No Data) | (No Data) | (No Data) | 505.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 200 | 33200.00 | 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 | 733 | 749 | 745 | 22534.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 694 | 714 | 724 | 0 | (No Data) | (No Data) | 745 | 22534 | 15641.77 | 0 | 30.59 | 6892.23 | 0 | 113120.73 | 113120.73 | 113120.73 | XXXXXX | 50835.96 | 20 | 20.00 | Fully Amortized | 4.875 | 1672.30 | 0 | 30.59 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months;<br> Business Tax Return - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 51228997-C65C-4374-B292-9F981821B654 | 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 | 3.6250 | 4443.77 | 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 | XXX | XXX | 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 | 659.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 109 | 33200.00 | 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 | 759 | 779 | 65235.12 | 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 | (No Data) | (No Data) | 779 | 65235.12 | 54574.46 | 9.87 | 16.34 | 10660.66 | 6437.02 | 506410.61 | 506410.61 | 506410.61 | XXXXXX | 186146.57 | 28.92 | 28.92 | Fully Amortized | 3.625 | 4443.77 | 9.87 | 16.34 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> D<br> C<br> A | D<br> A | A<br> D<br> C | D<br> A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| EA4A3AA7-06CE-41E0-8872-86BE18F0FE06 | 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 | 4.2500 | 2995.62 | 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 | XXX | XXX | 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 | 90.08 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 55 | 5350.00 | 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 | 788 | 783 | 14478.22 | 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 | (No Data) | (No Data) | 788 | 14478.22 | 10283.45 | 27.04 | 28.97 | 4194.77 | 3914.87 | 302768.62 | 302768.62 | 302768.62 | XXXXXX | 113972.06 | 29.11 | 29.11 | Fully Amortized | 4.250 | 2995.62 | 27.04 | 28.97 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 13BE6EB3-275E-4690-9750-C3C29B8B950F | 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 | 4.3750 | 9626.22 | 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 | XXX | XXX | 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 | 115.60 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 218 | 30000.00 | 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 | 753 | 758 | 701 | 51632.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 712 | 658 | 689 | 0 | (No Data) | (No Data) | 689 | 51632 | 36513.63 | 21.95 | 29.28 | 15118.37 | 11331.28 | 714248.01 | 714248.01 | 714248.01 | XXXXXX | 254236.28 | 22.44 | 22.44 | Fully Amortized | 4.375 | 9626.22 | 21.95 | 29.28 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> C<br> A | C<br> B<br> A | B<br> C<br> A | C<br> B<br> A | B | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 0C2A15EF-9905-4C6C-9E8B-A6FA9B3ABBE9 | 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 | 4.8750 | 1862.28 | 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 | XXX | XXX | 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 | 115.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 173 | 12200.00 | 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 | 706 | 762 | 756 | 5531.14 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 782 | 779 | 791 | 0 | (No Data) | (No Data) | 756 | 5531.14 | 3129.59 | 40.8 | 43.42 | 2401.55 | 2256.55 | 152758.52 | 152758.52 | 152758.52 | XXXXXX | 28954.95 | 12.83 | 12.83 | Fully Amortized | 4.875 | 1862.29 | 40.8 | 43.42 | 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<br> A | A | A | A | A | Paystub - 3 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 2E446D84-42BE-4124-B7DA-60875A56AEBE | 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 | 4.9990 | 3550.67 | 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 | XXX | XXX | 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 | 159.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 139 | 24000.00 | 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 | 718 | 798 | 756 | 51423.06 | 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 | (No Data) | (No Data) | 756 | 51423.06 | 46673.25 | 8.08 | 9.24 | 4749.81 | 4153.81 | 812861.77 | 812861.77 | 812861.77 | XXXXXX | 722805.49 | 174.01 | 174.01 | Fully Amortized | 4.999 | 3550.68 | 8.08 | 9.24 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| B5028E63-213A-4E3E-89E8-C7EFFD556CAD | 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 | 4.7500 | 3926.96 | 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 | XXX | XXX | 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 | 227.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 267 | 19500.00 | 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 | 698 | 724 | 750 | 42889.46 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 710 | 751 | 739 | 0 | (No Data) | (No Data) | 724 | 42889.46 | 34483.57 | 12.51 | 19.6 | 8405.89 | 5364.55 | 308246.36 | 308246.36 | 308246.36 | XXXXXX | 308246.36 | 57.46 | 57.46 | Fully Amortized | 4.750 | 3926.97 | 12.51 | 19.6 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> D<br> A | D<br> A | A<br> D | D<br> A | A | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 77106DC4-1909-40C3-B7FB-A2DD7653A2B5 | 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 | 3.6250 | 6384.72 | 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 | XXX | XXX | 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 | 339.33 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 260 | 45600.00 | 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 | 761 | 771 | 763 | 126227.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 772 | 777 | 771 | 0 | (No Data) | (No Data) | 763 | 126227 | 115486.04 | 6.88 | 8.51 | 10740.96 | 8684.96 | 51705.82 | 51705.82 | 51705.82 | XXXXXX | 51705.82 | 5.95 | 5.95 | Fully Amortized | 3.625 | 6384.72 | 6.88 | 8.51 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 6820714C-1EA7-4D80-868F-67964F09AB39 | 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 | 3.9990 | 7547.02 | 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 | XXX | XXX | 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 | 389.50 | (No Data) | (No Data) | 312.81 | 0.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 239 | 171758.00 | 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 | 797 | 772 | 793 | 104946.38 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 795 | 795 | 794 | 0 | (No Data) | (No Data) | 793 | 104946.38 | 83062.4 | 8.77 | 20.85 | 21883.98 | 9205.98 | 463144.60 | 463144.6 | 463144.6 | XXXXXX | 157058.81 | 17.06 | 17.06 | Fully Amortized | 3.999 | 7547.03 | 8.77 | 20.85 | 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<br> D<br> A | D<br> B<br> A | B<br> D<br> A | D<br> B<br> A | B | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| A92F4566-8EAF-4678-A4AF-5579B9A63674 | 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 | 5.5000 | 2299.00 | Monthly | XXXXXX | 480 | 360 | No | (No Data) | Yes | 120 | Yes | 48 | 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 | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 166.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 186 | 14000.00 | 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 | 712 | 671 | 693 | 0 | (No Data) | (No Data) | 693 | 0 | -2987.92 | 0 | 0 | 2987.92 | 0 | 27986.91 | 27986.91 | 27986.91 | XXXXXX | 20818.08 | 6.97 | 6.97 | Fully Amortized | 5.500 | 2299.00 | 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<br> A | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9EE09CB0-9A11-43AA-AB5C-65C035A4E546 | 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 | 5.5000 | 1703.37 | 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 | (No Data) | XXXXXX | XXX | XXX | 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 | 72.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 69 | 11000.00 | 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 | 746 | 742 | 738 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 709 | 672 | 719 | 0 | (No Data) | (No Data) | 709 | 0 | -1867.44 | 0 | 0 | 1867.44 | 0 | 40421.33 | 40421.33 | 40421.33 | XXXXXX | 40421.33 | 21.65 | 21.65 | Fully Amortized | 5.500 | 1703.37 | 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<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| E0079B96-042E-4979-B562-6B44C3AEF7FA | 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 | 4.6250 | 2620.83 | Monthly | XXXXXX | 480 | 360 | No | (No Data) | Yes | 120 | Yes | 48 | 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 | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 90.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 90 | 77647.00 | 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 | 756 | 766 | 705 | 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 | (No Data) | (No Data) | 756 | 0 | -3104.67 | 0 | 0 | 3104.67 | 0 | 343900.11 | 333941.92 | 333941.92 | XXXXXX | 112455.49 | 36.22 | 36.22 | Start Rate | 4.625 | 2620.83 | 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<br> D<br> A | A | A<br> D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 9C4EFDF8-D484-4BF2-92BC-DEB4AA96B2BD | 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 | 4.9990 | 2535.66 | 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 | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 36.42 | (No Data) | (No Data) | (No Data) | 30.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 54 | 5500.00 | 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 | 741 | 722 | 716 | 35375.50 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 670 | 669 | 672 | 35375.5 | (No Data) | (No Data) | 722 | 70751 | 67978.85 | 3.75 | 3.92 | 2772.15 | 2655.15 | 195447.53 | 195447.53 | 195447.53 | XXXXXX | 149023.99 | 56.13 | 56.13 | Fully Amortized | 4.999 | 2535.66 | 3.75 | 3.92 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 28070B65-2F0B-478B-9F76-2EDF9B66C82F | 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 | 4.3750 | 3819.53 | 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 | XXX | XXX | 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 | 330.56 | (No Data) | (No Data) | (No Data) | 67.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 173 | 35000.00 | 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 | 792 | 776 | 790 | 18259.00 | 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 | (No Data) | (No Data) | 790 | 18259 | 13248.3 | 25.5 | 27.44 | 5010.7 | 4656.7 | 301398.61 | 279253.9 | 279253.9 | XXXXXX | 177375.87 | 38.09 | 38.09 | Fully Amortized | 4.375 | 3819.54 | 25.5 | 27.44 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 510E0FAD-667D-4FDF-9909-5E8673B06451 | 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 | 4.5000 | 2868.75 | Monthly | XXXXXX | 480 | 360 | No | (No Data) | Yes | 120 | Yes | 48 | 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 | (No Data) | XXXXXX | XXX | XXX | 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 | 186.67 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 223 | 1024000.00 | 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 | 801 | 793 | 797 | 0 | (No Data) | (No Data) | 797 | 0 | -3852.3 | 0 | 0 | 3852.3 | 0 | 57174.82 | 57174.82 | 57174.82 | XXXXXX | 57174.82 | 14.84 | 11.77 | Fully Amortized | 4.500 | 3876.15 | 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<br> A | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| DDBEE35E-0559-445A-8F9F-B96D899F6924 | 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 | 4.5000 | 8725.12 | 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-Attached | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 Attorney Opinion | Fee Simple | XXXXXX | 126.33 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 203 | 1280000.00 | 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 | 801 | 791 | 799 | 37633.63 | 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 | (No Data) | (No Data) | 799 | 37633.63 | 31753.51 | 0 | 15.62 | 5880.12 | 0 | 2584255.30 | 2584255.3 | 2584255.3 | XXXXXX | 1946235.06 | 186.3 | 186.30 | Qualifying Rate | 4.500 | 8725.13 | 0 | 15.62 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | Paystub - 3 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| ADAE4396-3DB0-45F7-9E07-662FC90D9231 | 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 | 5.0000 | 6973.32 | 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 | XXX | XXX | 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 | 140.83 | (No Data) | (No Data) | (No Data) | 37.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 209 | 16000.00 | 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 | 801 | 794 | 808 | 8024.94 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 789 | 780 | 806 | 10177.11 | (No Data) | (No Data) | 789 | 19075.6 | 9912.7 | 46.5 | 48.03 | 9162.9 | 8869.9 | 528326.65 | 473469.65 | 473469.65 | XXXXXX | 160931.89 | 18.14 | 18.14 | Fully Amortized | 5.000 | 6973.32 | 46.5 | 48.03 | 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<br> A | A | A | A | A | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 0 months | Personal Bank Statements - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 59769CF9-E0C2-4B86-9F30-9329006045EA | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/6 I/O ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 4.7500 | 1456.67 | Monthly | XXXXXX | 480 | 360 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of amt prepd | No | 0 | SOFR 30 day average | 45 | 3.750 | N 1/8 | 6.7500 | 4.750 | 6 Months | 6 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1.0000 | (No Data) | (No Data) | 9.7500 | 4.7500 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | XXX | XXX | 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 | 91.08 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 38 | 70000.00 | 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 | 763 | 740 | 750 | 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 | (No Data) | (No Data) | 750 | 0 | -1717.29 | 0 | 0 | 1717.29 | 0 | 249597.68 | 249597.68 | 249597.68 | XXXXXX | 144561.04 | 84.18 | 84.18 | I/O Amount | 4.750 | 1456.67 | 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<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 2B283FEB-5AA0-4B91-BD90-601A5D3181DF | 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 | 5.9900 | 2779.54 | 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 | XXX | XXX | 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 | 335.17 | (No Data) | (No Data) | (No Data) | 183.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 109 | 6000.00 | 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 | 623 | 630 | 597 | 97705.00 | 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 | (No Data) | (No Data) | 623 | 97705 | 92671.4 | 3.95 | 5.15 | 5033.6 | 3856.6 | 516581.95 | 516581.95 | 516581.95 | XXXXXX | 310692.41 | 80.56 | 80.56 | Fully Amortized | 5.990 | 2779.54 | 3.95 | 5.15 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| E43446C3-888D-47BB-ADEC-63E533C5EBCB | 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 | 3.3750 | 3650.35 | 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 | XXX | XXX | 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 | 245.50 | (No Data) | (No Data) | (No Data) | 188.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 289 | 13400.00 | 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 | 735 | 745 | 738 | 21966.98 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 803 | 775 | 789 | 0 | (No Data) | (No Data) | 738 | 21966.98 | 15641.94 | 22.44 | 28.79 | 6325.04 | 4929.04 | 26781.80 | 24103.81 | 24103.81 | XXXXXX | 24103.81 | 4.89 | 4.89 | Fully Amortized | 3.375 | 3650.35 | 22.44 | 28.79 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 7E9B2B87-37CC-43E7-9D6A-F671E6BA6531 | 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 | 4.5000 | 2983.11 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 48 | 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 | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 72.58 | (No Data) | (No Data) | (No Data) | 23.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 116 | 14000.00 | 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 | 813 | 804 | 779 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 802 | 800 | 785 | 0 | (No Data) | (No Data) | 800 | 0 | -3583.95 | 0 | 0 | 3583.95 | 0 | 232845.96 | 231314.7 | 231314.7 | XXXXXX | 27510.4 | 7.68 | 7.68 | Fully Amortized | 4.500 | 2983.11 | 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<br> D<br> A | A | A<br> D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| CAAEDB4C-9D99-4F9E-BA57-65A74690B57D | 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 | 4.5000 | 1017.93 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 48 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 65.20 | (No Data) | (No Data) | (No Data) | 225.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 37 | 8900.00 | 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 | 726 | Not Applicable | 752 | 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 | (No Data) | (No Data) | 726 | 0 | -1563.04 | 0 | 0 | 1563.04 | 0 | 175657.96 | 175657.96 | 175657.96 | XXXXXX | 93845.16 | 60.04 | 60.04 | Fully Amortized | 4.500 | 1017.94 | 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<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 12C3864A-E921-4784-AB03-BBE5623406AB | 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 | 4.8750 | 2324.28 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 125.58 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 215 | 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 | 801 | 733 | 823 | 50642.00 | 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 | (No Data) | (No Data) | 801 | 50642 | 43903.88 | 7.41 | 13.31 | 6738.12 | 3752 | 235493.02 | 235493.02 | 235493.02 | XXXXXX | 109975.24 | 39.64 | 39.64 | Fully Amortized | 4.875 | 2324.29 | 7.41 | 13.31 | 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<br> D<br> A | A | A<br> D | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| F0285267-BD93-4D00-80FB-0CD3D41C6999 | 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 | 3.8750 | 2980.13 | 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 | XXX | XXX | 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 | 88.18 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 183 | 17000.00 | 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 | 716 | 690 | 712 | 11204.24 | 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 | (No Data) | (No Data) | 712 | 11204.24 | 6528.73 | 37.03 | 41.73 | 4675.51 | 4148.52 | 489724.51 | 489724.51 | 489724.51 | XXXXXX | 87631.61 | 21.12 | 21.12 | Fully Amortized | 3.875 | 2980.13 | 37.03 | 41.73 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| F34089DF-A6AC-459C-86A8-4FA37E6DA510 | 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 | 3.7500 | 1750.58 | 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 | XXX | XXX | 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 | 53.83 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 220 | 42600.00 | 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 | 800 | 788 | 787 | 20073.34 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 774 | 781 | 742 | 0 | (No Data) | (No Data) | 788 | 20073.34 | 17065.28 | 10.35 | 14.99 | 3008.06 | 2078.06 | 28588.36 | 28588.36 | 28588.36 | XXXXXX | 28588.36 | 13.76 | 13.76 | Fully Amortized | 3.750 | 1750.58 | 10.35 | 14.99 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 4398AAED-7922-4E53-BA6B-4019DC1626FA | 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 | 4.8750 | 5080.40 | 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 | XXX | XXX | 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 | 116.10 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 217 | 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 | 771 | 825 | 774 | 15714.00 | 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 | (No Data) | (No Data) | 774 | 15714 | 8281.5 | 41.02 | 47.3 | 7432.5 | 6446.5 | 348379.23 | 348379.23 | 348379.23 | XXXXXX | 115729.57 | 17.95 | 17.95 | Fully Amortized | 4.875 | 5080.40 | 41.02 | 47.3 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 8BA4E357-A531-46E5-9D31-AECA9C1739C4 | 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 | 3.3750 | 1870.07 | 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 | XXX | XXX | 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 | 91.75 | (No Data) | (No Data) | (No Data) | 15.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 77 | 1200.00 | 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 | 663 | 677 | 681 | 237402.00 | 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 | (No Data) | (No Data) | 677 | 237402 | 234253.8 | 1.07 | 1.33 | 3148.2 | 2540.2 | 1171131.08 | 1171131.08 | 1171131.08 | XXXXXX | 881609.26 | 347.06 | 347.06 | Fully Amortized | 3.375 | 1870.07 | 1.07 | 1.33 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 89188370-E8EE-4E20-8572-2684AF18D83C | 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 | 4.0000 | 2673.53 | 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 | XXX | XXX | 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 | 115.04 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 106 | 41733.00 | 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 | 759 | 717 | 729 | 76568.98 | 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 | (No Data) | (No Data) | 729 | 76568.98 | 71408.09 | 5.04 | 6.74 | 5160.89 | 3862.89 | 322603.47 | 322603.47 | 322603.47 | XXXXXX | 151548.59 | 39.23 | 39.23 | Start Rate | 4.000 | 2673.53 | 5.04 | 6.74 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| F6E427B9-2550-4E74-AF50-B96BD33748F8 | 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 | 3.5000 | 2977.17 | 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 | XXX | XXX | 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 | 175.92 | (No Data) | (No Data) | (No Data) | 51.83 | Present | XXXXXX | 3 | No | Present | XXXXXX | 172 | 6000.00 | 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 | 720 | 772 | 778 | 12432.00 | 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 | (No Data) | (No Data) | 772 | 12432 | 7515.57 | 29.89 | 39.55 | 4916.43 | 3716.43 | 346823.80 | 346823.8 | 346823.8 | XXXXXX | 48049.95 | 12.93 | 12.93 | Fully Amortized | 3.500 | 2977.17 | 29.89 | 39.55 | 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<br> D<br> A | A | A<br> D | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| E3815CF7-CA23-48D8-80FD-1AA0781FCDD9 | 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 | 4.8750 | 4043.69 | 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 | XXX | XXX | 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 | 160.18 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 188 | 50000.00 | 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 | 801 | 780 | 791 | 8398.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 784 | 768 | 772 | 8932.46 | (No Data) | (No Data) | 791 | 17436.7 | 11746.45 | 29.18 | 32.63 | 5690.25 | 5088.25 | 147297.69 | 147297.69 | 147297.69 | XXXXXX | 103349.17 | 20.31 | 20.31 | Fully Amortized | 4.875 | 4043.69 | 29.18 | 32.63 | 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<br> C<br> A | C<br> A | A<br> C | C<br> A | A | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| A40105D2-D55E-459E-8F60-DF46C5C4B0A4 | 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 | 4.7500 | 2211.78 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 48 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 128.83 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 82 | 17200.00 | 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 | 701 | 745 | 727 | 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 | (No Data) | (No Data) | 727 | 0 | -2843.14 | 0 | 0 | 2843.14 | 0 | 554492.73 | 554492.73 | 554492.73 | XXXXXX | 370669.5 | 130.37 | 130.37 | Fully Amortized | 4.750 | 2211.79 | 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<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 995AFE26-2D29-4BBF-A0CB-F27C8C63BE29 | 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 | 4.5000 | 3325.12 | 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 | (No Data) | XXXXXX | XXX | XXX | 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 | 108.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 191 | 727788.00 | 17 | 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 | 751 | 744 | 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 | (No Data) | (No Data) | 744 | 0 | -3828.23 | 0 | 0 | 3828.23 | 0 | 483394.56 | 483394.56 | 483394.56 | XXXXXX | 259830.76 | 67.87 | 67.87 | Fully Amortized | 4.500 | 3325.13 | 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<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 8BFAD171-148E-48AD-B479-5E5F91EB6AC2 | 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 | 3.8750 | 1810.41 | 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 | XXX | XXX | 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 | 61.01 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 162 | 25000.00 | 15 | 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 | 738 | 791 | 6898.00 | 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 | (No Data) | (No Data) | 759 | 6898 | 4348.39 | 29.52 | 36.96 | 2549.61 | 2036.61 | 104171.74 | 104171.74 | 104171.74 | XXXXXX | 104171.74 | 51.15 | 51.15 | Fully Amortized | 3.875 | 1810.42 | 29.52 | 36.96 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| D9570785-C646-4090-B0D5-545FB15C3A26 | 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 | 4.8750 | 3328.72 | 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 | XXX | XXX | 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 | 308.07 | (No Data) | (No Data) | (No Data) | 10.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 384 | 15400.00 | 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 | 666 | 706 | 702 | 11074.00 | 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 | (No Data) | (No Data) | 702 | 11074 | 5831.29 | 38.66 | 47.34 | 5242.71 | 4281.71 | 340287.09 | 340287.09 | 340287.09 | XXXXXX | 202037.33 | 47.19 | 47.19 | Fully Amortized | 4.875 | 3328.72 | 38.66 | 47.34 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> D<br> A | D<br> A | A<br> D | D<br> A | A | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| ECB508A1-4520-4E82-8A7A-8088703B1720 | 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 | 3.3750 | 3824.13 | 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 | XXX | XXX | 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 | 538.33 | (No Data) | (No Data) | (No Data) | 195.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 281 | 35000.00 | 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 | 785 | 800 | 821 | 56857.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 760 | 794 | 759 | 0 | (No Data) | (No Data) | 800 | 56857 | 50788.74 | 10.19 | 10.67 | 6068.26 | 5791.26 | 3865413.00 | 3865413 | 3865413 | XXXXXX | 3865413 | 667.46 | 667.46 | Fully Amortized | 3.375 | 3824.14 | 10.19 | 10.67 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 83DAC698-1185-479B-94FE-C945A068FED0 | 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 | 5.6250 | 1778.78 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 26.10 | (No Data) | (No Data) | (No Data) | 434.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 37 | 138713.00 | 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 | 745 | 748 | 731 | 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 | (No Data) | (No Data) | 745 | 0 | -2775.33 | 0 | 0 | 2775.33 | 0 | 1075757.00 | 1075757 | 1075757 | XXXXXX | 869156.48 | 313.17 | 313.17 | Fully Amortized | 5.625 | 1778.78 | 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<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 00AE001B-9CFE-4C86-870B-BDB5298F7605 | XXXXXX | XXXXXX | XXXXXX | Yes | 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 | 4.6250 | 3742.94 | 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 | 4 Family | 4 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 47.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 345 | 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 | 720 | 729 | 722 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 774 | 782 | 737 | 0 | (No Data) | (No Data) | 722 | 0 | -4345.42 | 0 | 0 | 4345.42 | 0 | 140000.00 | 140000 | 140000 | XXXXXX | 140000 | 32.22 | 32.22 | Fully Amortized | 4.625 | 3742.94 | 0 | 0 | No Doc | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 3DED74C1-570A-4314-8D5C-18F6418E824A | 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 | 4.9990 | 1932.34 | 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 | XXX | XXX | 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 | 64.08 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 13 | 800.00 | 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 | 768 | 765 | 702 | 7873.27 | 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 | (No Data) | (No Data) | 765 | 7873.27 | 5287.18 | 30.65 | 32.85 | 2586.09 | 2413.09 | 87114.27 | 87114.27 | 87114.27 | XXXXXX | 41114.27 | 17.04 | 17.04 | Fully Amortized | 4.999 | 1932.34 | 30.65 | 32.85 | 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<br> A | A | A | A | A | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 374E37FA-549E-4C36-AF1C-1438591E7CC6 | 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 | 4.0000 | 5467.37 | Monthly | XXXXXX | 480 | 360 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 206.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 194 | 35000.00 | 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 | 769 | 811 | 803 | 28761.00 | 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 | (No Data) | (No Data) | 803 | 28761 | 20927.34 | 27.1 | 27.24 | 7833.66 | 7793.66 | 532169.30 | 532169.3 | 532169.3 | XXXXXX | 158431.3 | 20.33 | 15.60 | Fully Amortized | 4.000 | 7830.62 | 35.31 | 35.45 | 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<br> A | A | A | A | A | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| E8A4A17B-54E7-44FC-976B-45B8672E7C90 | 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 | 4.7500 | 1711.00 | 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 | XXX | XXX | 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 | 120.62 | (No Data) | (No Data) | (No Data) | 48.16 | Present | XXXXXX | 1 | No | Present | XXXXXX | 80 | 5550.00 | 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 | 675 | 718 | 703 | 10838.00 | 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 | (No Data) | (No Data) | 703 | 10838 | 8391.47 | 20.56 | 22.57 | 2446.53 | 2228.53 | 123756.07 | 123756.07 | 123756.07 | XXXXXX | 23137.5 | 10.38 | 10.38 | Fully Amortized | 4.750 | 1711.01 | 20.56 | 22.57 | 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<br> C<br> A | A | A<br> C | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| B07FAD04-57EA-44FB-AE8B-D5169BC46CDD | 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 | 3.7490 | 2021.53 | 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 | XXX | XXX | 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 | 119.08 | (No Data) | (No Data) | (No Data) | 6.68 | Present | XXXXXX | 5 | No | Present | XXXXXX | 183 | 19000.00 | 16 | 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 | 752 | 764 | 9348.68 | 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 | (No Data) | (No Data) | 758 | 9348.68 | 5836.42 | 27.02 | 37.57 | 3512.26 | 2526.26 | 168333.69 | 168333.69 | 168333.69 | XXXXXX | 54054.05 | 21.4 | 21.40 | Fully Amortized | 3.749 | 2021.53 | 27.02 | 37.57 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 79208596-2D3B-4AEE-BA60-BFED0B45D3AD | 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 | 4.8750 | 3300.78 | Monthly | XXXXXX | 480 | 360 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 177.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 76 | 30000.00 | 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 | 664 | 701 | 692 | 41455.00 | 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 | (No Data) | (No Data) | 692 | 41455 | 24722.56 | 19.92 | 40.36 | 16732.44 | 8256 | 8288.71 | 8288.71 | 8288.71 | XXXXXX | 8288.71 | 2.04 | 1.63 | Fully Amortized | 4.875 | 4299.82 | 19.92 | 42.77 | 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<br> C<br> A | A | A<br> C | A | A | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 501FB992-5D11-48DD-9636-67E56346F560 | 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 | 5.5000 | 2021.33 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 2 mos interest on amt prepd in 12 mos >1/3 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 | XXX | XXX | 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 | 90.57 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 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 | 690 | 676 | 749 | 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 | (No Data) | (No Data) | 690 | 0 | -2501.49 | 0 | 0 | 2501.49 | 0 | 114916.59 | 114916.59 | 114916.59 | XXXXXX | 13060.58 | 5.22 | 5.22 | Fully Amortized | 5.500 | 2021.33 | 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<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 4F29CC17-F2C7-4D6F-AECB-5473FE57DD3A | 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 | 5.0000 | 3984.38 | Monthly | XXXXXX | 480 | 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 | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | XXX | XXX | 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 | 110.09 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 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 | 751 | 724 | 754 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 769 | 770 | 732 | 0 | (No Data) | (No Data) | 751 | 0 | -4541.14 | 0 | 0 | 4541.14 | 0 | 520709.61 | 520709.61 | 520709.61 | XXXXXX | 212608.47 | 46.82 | 46.82 | Start Rate | 5.000 | 3984.38 | 0 | 0 | No Doc | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 91673CD4-C896-4F89-9D43-A4371122F622 | 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 | 4.7500 | 1956.18 | 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 | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 64.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 90 | 28690.00 | 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 | 679 | 684 | 717 | 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 | (No Data) | (No Data) | 684 | 0 | -2398.58 | 0 | 0 | 2398.58 | 0 | 92146.13 | 92146.13 | 92146.13 | XXXXXX | 92146.13 | 38.42 | 38.42 | Fully Amortized | 4.750 | 1956.18 | 0 | 0 | No Doc | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 54C5A0CA-7DD9-481F-BE8F-DE8B496115C9 | 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 | 5.6250 | 4394.53 | Monthly | XXXXXX | 480 | 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 | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | XXX | XXX | 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 | 218.93 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 536 | 15200.00 | 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 | 676 | 733 | 667 | 70833.32 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 736 | 730 | 699 | 0 | (No Data) | (No Data) | 676 | 70833.32 | 64563.78 | 0 | 8.85 | 6269.54 | 0 | 488236.18 | 488236.18 | 488236.18 | XXXXXX | 192071.33 | 32.47 | 27.76 | Fully Amortized | 5.625 | 5396.78 | 0 | 10.27 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | Paystub - 2 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 12 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 8BCA00CD-C08C-440E-935F-BCFAF327B17C | 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 | 4.5000 | 1763.27 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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) | 1002.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | Not Applicable | Not Applicable | 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 | 775 | 783 | 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 | (No Data) | (No Data) | 775 | 0 | -3016.71 | 0 | 0 | 3016.71 | 0 | 387509.99 | 387509.99 | 387509.99 | XXXXXX | 290465.06 | 96.29 | 96.29 | Fully Amortized | 4.500 | 1763.27 | 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<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| E50994B1-8890-4493-86F7-099013795C30 | 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 | 4.7500 | 3776.73 | 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 | XXX | XXX | 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 | 182.33 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 211 | 20200.00 | 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 | 788 | 795 | 781 | 15382.69 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 798 | 806 | 799 | 0 | (No Data) | (No Data) | 788 | 15382.69 | 9487.92 | 31.87 | 38.32 | 5894.77 | 4901.77 | 342707.25 | 342707.25 | 342707.25 | XXXXXX | 169416.96 | 34.56 | 34.56 | Fully Amortized | 4.750 | 3776.73 | 31.87 | 38.32 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 2FE3046D-289D-48E6-AECA-DBED60D85D4F | 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 | 5.2500 | 1891.57 | 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 | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | XXX | XXX | 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 | 100.00 | (No Data) | (No Data) | 0.00 | Not Applicable | Present | XXXXXX | 4 | No | Present | XXXXXX | 300 | 23000.00 | 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 | 761 | 698 | 715 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 808 | 762 | 790 | 0 | (No Data) | (No Data) | 715 | 0 | -2446.45 | 0 | 0 | 2446.45 | 0 | 42955.61 | 42955.61 | 42955.61 | XXXXXX | 42955.61 | 17.56 | 17.56 | Fully Amortized | 5.250 | 1891.58 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/lease agreement - 0 months;<br> Lease Agreement - 36 months | DSCR - w/lease agreement - 0 months;<br> Lease Agreement - 36 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 93ED1AFE-AC45-432C-A1B2-C189E774C2D9 | 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 | 5.7500 | 2626.08 | 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 | 4 Family | 4 | XXXXXX | Urban | Tenant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 123.27 | (No Data) | (No Data) | 0.00 | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 48 | 20000.00 | 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 | 726 | 680 | 715 | 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 | (No Data) | (No Data) | 715 | 0 | -3041.96 | 0 | 0 | 3041.96 | 0 | 27000.00 | 27000 | 27000 | XXXXXX | 27000 | 8.88 | 8.88 | Fully Amortized | 5.750 | 2626.08 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 34F51F4A-296A-4720-910F-0F2E85C4BA23 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 15 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 4.5000 | 1461.14 | Monthly | XXXXXX | 180 | 180 | 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 | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | XXX | XXX | 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 | 49.58 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 428 | 43496.00 | 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 | 736 | 710 | 768 | 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 | (No Data) | (No Data) | 736 | 0 | -1770.4 | 0 | 0 | 1770.4 | 0 | 109232.97 | 109232.97 | 109232.97 | XXXXXX | 109232.97 | 61.7 | 61.70 | Fully Amortized | 4.500 | 1461.14 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 1B980FDE-9613-4A66-BF26-FCD813243A60 | 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 | 5.6250 | 3798.18 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 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 | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | XXX | XXX | 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 | 68.08 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 444 | 18700.00 | 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 | 772 | 777 | 787 | 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 | (No Data) | (No Data) | 777 | 0 | -4052.71 | 0 | 0 | 4052.71 | 0 | 74657.91 | 74657.91 | 74657.91 | XXXXXX | 64850.62 | 16 | 16.00 | Fully Amortized | 5.625 | 3798.19 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| FEBB4064-1854-455E-93C1-59A47FD200D2 | 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 | 5.5000 | 1567.10 | 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 | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | XXX | XXX | 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 | 53.51 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 373 | 9400.00 | 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 | 712 | 721 | 726 | 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 | (No Data) | (No Data) | 721 | 0 | -1762.49 | 0 | 0 | 1762.49 | 0 | 54947.35 | 54947.35 | 54947.35 | XXXXXX | 54947.35 | 31.18 | 31.18 | Fully Amortized | 5.500 | 1567.10 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 17F20C8B-ADB7-40B1-BBE2-381735D5B5F6 | 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 | 5.5000 | 1362.69 | 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 | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | XXX | XXX | 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 | 128.75 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 4 | No | Present | XXXXXX | 173 | 42000.00 | 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 | Not Applicable | 766 | 793 | 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 | (No Data) | (No Data) | 766 | 0 | -1624.99 | 0 | 0 | 1624.99 | 0 | 222718.74 | 222718.74 | 222718.74 | XXXXXX | 156667.56 | 96.41 | 96.41 | Fully Amortized | 5.500 | 1362.70 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 61207274-7D72-4F0F-8461-F1A34385999C | 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 | 4.6250 | 2370.18 | 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 | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | Yes | XXXXXX | 0.00 | Preliminary Title | Fee Simple | XXXXXX | 71.92 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 346 | 21000.00 | 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 | 731 | 818 | 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 | (No Data) | (No Data) | 742 | 0 | -3201.97 | 0 | 0 | 3201.97 | 0 | 236548.50 | 236548.5 | 236548.5 | XXXXXX | 236361.82 | 73.82 | 73.82 | Fully Amortized | 4.625 | 2370.19 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> B<br> A | A<br> B | A<br> B | A<br> B | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| A0135EB8-AA3C-4B48-A7AF-157283D7901D | 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 | 4.6250 | 2385.61 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 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 | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | Yes | XXXXXX | 0.00 | Preliminary Title | Fee Simple | XXXXXX | 71.92 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 346 | 21000.00 | 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 | 731 | 818 | 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 | (No Data) | (No Data) | 742 | 0 | -3211.38 | 0 | 0 | 3211.38 | 0 | 236548.50 | 236548.5 | 236548.5 | XXXXXX | 236548.5 | 73.66 | 73.66 | Fully Amortized | 4.625 | 2385.61 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A<br> B | A | A<br> B | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 4ACCD13B-5E3B-4268-BD2A-2FD23D9F02FD | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 I/O ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 5.6250 | 1031.25 | Monthly | XXXXXX | 360 | 300 | No | (No Data) | Yes | 60 | Yes | 36 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 4.750 | N 1/8 | 7.6250 | 5.625 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.6250 | 5.6250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | XXX | XXX | 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) | Preliminary Title | Fee Simple | XXXXXX | 49.50 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 4 | No | Present | XXXXXX | 146 | 12500.00 | 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 | 748 | 713 | 740 | 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 | (No Data) | (No Data) | 740 | 0 | -1294.19 | 0 | 0 | 1294.19 | 0 | 85405.35 | 85405.35 | 85405.35 | XXXXXX | 85405.35 | 65.99 | 65.99 | I/O Amount | 5.625 | 1031.25 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 8DD70FCF-F0B3-4914-AA7E-4E85195F6F58 | 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 | 4.8750 | 1667.01 | 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 | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | XXX | XXX | 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 | 39.25 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 323 | 30000.00 | 16 | 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 | 733 | 722 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 797 | 779 | 804 | 0 | (No Data) | (No Data) | 722 | 0 | -2079.2 | 0 | 0 | 2079.2 | 0 | 12096.98 | 12096.98 | 12096.98 | XXXXXX | 11169.97 | 5.37 | 5.37 | Fully Amortized | 4.875 | 1667.01 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 687E00D4-0CAD-4C5E-9791-52DE1D5B377A | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 4.9900 | 4981.40 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 4.125 | N 1/8 | 6.9900 | 4.990 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 9.9900 | 4.9900 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | XXX | XXX | 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 | 112.94 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 436 | 45604.00 | 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 | 757 | 767 | 763 | 8504.00 | 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 | (No Data) | (No Data) | 763 | 10086.66 | 6798.66 | 28.75 | 32.6 | 3288 | 2900 | 42152.09 | 42152.09 | 42152.09 | XXXXXX | 42152.09 | 7.18 | 6.45 | Qualifying Rate, Fully Amortized | 6.125 | 5644.71 | 28.75 | 39.17 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | Award Letter - 12 months;<br> CPA Letter without Income - 60 months;<br> Lease Agreement - 12 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 8AE306D8-EF0D-47B8-898F-3A7BE08EB7A3 | 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 | 5.1250 | 1464.13 | 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 | XXX | XXX | 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 | 94.18 | (No Data) | (No Data) | (No Data) | 60.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 232 | 16000.00 | 12 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 716 | 758 | 738 | 14131.00 | 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 | (No Data) | (No Data) | 738 | 14131 | 11205.4 | 13.67 | 20.7 | 2925.6 | 1931.6 | 44825.21 | 44825.21 | 44825.21 | XXXXXX | 44825.21 | 23.21 | 23.21 | Fully Amortized | 5.125 | 1464.13 | 13.67 | 20.7 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | CPA Letter without Income - 144 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| BE5EEAE7-5868-4BE2-A58A-B710C8E6AC45 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 15 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.1250 | 1760.79 | Monthly | XXXXXX | 180 | 180 | 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 | XXX | XXX | 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 | 53.67 | (No Data) | (No Data) | 0.00 | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 231 | 32850.00 | 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 | 726 | 756 | 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 | (No Data) | (No Data) | 736 | 0 | -2323.31 | 0 | 0 | 2323.31 | 0 | 67192.18 | 67192.18 | 67192.18 | XXXXXX | 67192.18 | 28.92 | 28.92 | Fully Amortized | 6.125 | 1760.80 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable<br> A | A | A | A | A | DSCR - w/lease agreement - 0 months;<br> Lease Agreement - 1 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 7053331B-DD8B-4063-A07F-E44B6418F402 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.1250 | 4943.52 | 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 | XXX | XXX | 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) | 38.29 | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 24 | 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 | 752 | 792 | 766 | 17703.27 | 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 | (No Data) | (No Data) | 766 | 17703.27 | 11644.71 | 33.77 | 34.22 | 6058.56 | 5977.56 | 215766.36 | 215766.36 | 215766.36 | XXXXXX | 101023.84 | 16.9 | 16.90 | Fully Amortized | 6.125 | 4943.52 | 33.77 | 34.22 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> B<br> A | B<br> A | B<br> A | B<br> A | B | Business Bank Statements - 12 months;<br> CPA Letter without Income - 72 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| E7CAE37B-B721-42B4-BCB6-4CCC1D02BF53 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 I/O ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 5.8750 | 1708.65 | Monthly | XXXXXX | 360 | 300 | No | (No Data) | Yes | 60 | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 4.750 | N 1/8 | 7.8750 | 5.875 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.8750 | 5.8750 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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) | Preliminary Title | Fee Simple | XXXXXX | 38.43 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 149 | 18000.00 | 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 | 708 | 695 | 688 | 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 | (No Data) | (No Data) | 695 | 0 | -2245.73 | 0 | 0 | 2245.73 | 0 | 43191.01 | 43191.01 | 43191.01 | XXXXXX | 43191.01 | 19.23 | 19.23 | Start Rate | 5.875 | 1708.65 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| B8A090CB-32F9-4321-A353-937F3447D94B | 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 | 6.5000 | 2559.24 | 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 | XXX | XXX | 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 | 78.40 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 36 | 2500.00 | 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 | 698 | 725 | 708 | 10174.00 | 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 | (No Data) | (No Data) | 708 | 10174 | 7067.61 | 30.53 | 30.53 | 3106.39 | 3106.39 | 68541.96 | 68541.96 | 68541.96 | XXXXXX | 19180.68 | 6.17 | 6.17 | Fully Amortized | 6.500 | 2559.25 | 30.53 | 30.53 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors<br> A | 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 |
| 3A0DA56F-B0A4-4781-A5A0-273C767E0550 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 5/1 ARM IO | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 5.2500 | 3202.50 | Monthly | XXXXXX | 360 | 300 | No | (No Data) | Yes | 60 | Yes | 36 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 4.750 | N 1/8 | 7.2500 | 5.250 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.2500 | 5.2500 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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) | Preliminary Title | Fee Simple | XXXXXX | 170.08 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 200 | 10000.00 | 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 | 806 | 740 | 792 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 765 | 766 | 767 | 0 | (No Data) | (No Data) | 766 | 0 | -3812.46 | 0 | 0 | 3812.46 | 0 | 112941.43 | 112941.43 | 0 | XXXXXX | 112941.43 | 29.62 | 29.62 | I/O Amount | 5.250 | 3202.50 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> B<br> A | A<br> B | A<br> B | A<br> B | A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| B5ECA2BD-F4A8-4BA6-A5A5-05D89BEDC493 | 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 | 5.7500 | 3597.73 | 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 | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 116.44 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 337 | 10000.00 | 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 | 800 | 786 | 798 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 769 | 771 | 786 | 0 | (No Data) | (No Data) | 771 | 0 | -4646.47 | 0 | 0 | 4646.47 | 0 | 315121.29 | 315121.29 | 315121.29 | XXXXXX | 35585.07 | 7.66 | 7.66 | Fully Amortized | 5.750 | 3597.73 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| E1CD63B1-0BD4-425F-B473-FBE331AD1ABA | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 10/1 ARM IO | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 5.1250 | 8541.67 | Monthly | XXXXXX | 360 | 240 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 4.125 | N 1/8 | 7.1250 | 5.125 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.1250 | 5.1250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | Full Appraisal | XXXXXX | XXX | XXX | 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 | 390.67 | (No Data) | (No Data) | (No Data) | 2093.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 270 | 38400.00 | 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 | 800 | 815 | 812 | 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 | (No Data) | (No Data) | 812 | 0 | -11674.16 | 0 | 0 | 11674.16 | 11563.16 | 2608187.44 | 2393028.15 | 2393028.15 | XXXXXX | 2393028.15 | 206.95 | 206.95 | I/O Amount | 5.125 | 8541.67 | 0 | 0 | Asset Depletion | 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<br> A | A | A | A | A | Personal Bank Statements - 6 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 33A0658B-FC39-402E-B45C-0BCA7FADAB88 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 5/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 5.3750 | 895.95 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 6 mos interest of amt prepaid in 36 mos if amt prepd >20% of OPB | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 4.750 | N 1/8 | 7.3750 | 5.375 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 10.3750 | 5.3750 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | XXX | XXX | 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) | Preliminary Title | Fee Simple | XXXXXX | 75.50 | (No Data) | (No Data) | (No Data) | 21.70 | Present | XXXXXX | 1 | No | Present | XXXXXX | 13 | 15000.00 | 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 | 742 | 766 | 711 | 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 | (No Data) | (No Data) | 742 | 0 | -1137.66 | 0 | 0 | 1137.66 | 0 | 150839.88 | 150839.88 | 150839.88 | XXXXXX | 150839.88 | 132.59 | 132.59 | Fully Amortized | 5.375 | 895.96 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 7F8EF4B9-FDEA-4AB4-A2FA-CB53CA5FB755 | 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 | 8.5000 | 1072.63 | 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 | XXX | XXX | 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 | 79.58 | (No Data) | (No Data) | 0.00 | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 24 | 21045.00 | 15 | 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 | 668 | 642 | 641 | 10160.77 | 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 | (No Data) | (No Data) | 642 | 10160.77 | 7461.45 | 12.52 | 26.57 | 2699.32 | 1272.32 | 79099.17 | 79099.17 | 79099.17 | XXXXXX | 19099.17 | 15.01 | 15.01 | Fully Amortized | 8.500 | 1072.64 | 12.52 | 26.57 | 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<br> C<br> A | A | A<br> C | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 33C936D4-B889-4160-BC5A-458962699350 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/1 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 1157.84 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | 12 Month WSJ LIBOR (daily) (DISCONTINUED) | 45 | 4.750 | N 1/8 | 8.8750 | 6.875 | 12 Months | 12 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2.0000 | (No Data) | (No Data) | 11.8750 | 6.8750 | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | (No Data) | XXXXXX | XXX | XXX | 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 | 139.45 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 89 | 18000.00 | 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 | 650 | 740 | 680 | 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 | (No Data) | (No Data) | 680 | 0 | -1493.72 | 0 | 0 | 1493.72 | 0 | 173822.14 | 162968.33 | 162968.33 | XXXXXX | 152763.2 | 102.27 | 102.27 | Fully Amortized | 6.875 | 1157.84 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> B<br> A | A<br> B | A<br> B | A<br> B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 5EE8BD3A-7652-442D-B057-857AB39EEB43 | 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 | 6.8750 | 3871.94 | 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 | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (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 | XXX | XXX | 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 | 203.83 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 4 | No | Present | XXXXXX | 271 | 33900.00 | 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 | 783 | 755 | 755 | 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 | (No Data) | (No Data) | 755 | 0 | -4661.95 | 0 | 0 | 4661.95 | 0 | 98564.75 | 98564.75 | 98564.75 | XXXXXX | 98564.75 | 21.14 | 21.14 | Fully Amortized | 6.875 | 3871.94 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> D<br> A | D<br> B<br> A | A<br> D | D<br> B<br> A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 7D3326F6-A2E6-470A-9F24-4D6957803B93 | 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 | 6.6250 | 2353.14 | 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 | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 59.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 167 | 16900.00 | 4 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 769 | 730 | 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 | (No Data) | (No Data) | 758 | 0 | -2648.03 | 0 | 0 | 2648.03 | 0 | 358126.94 | 358126.94 | 358126.94 | XXXXXX | 358126.94 | 135.24 | 135.24 | Fully Amortized | 6.625 | 2353.15 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable<br> A | A | A | A | A | DSCR - w/lease agreement - 0 months;<br> Lease Agreement - 1 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| E9E20027-03CB-4B5C-B970-F5231822FABB | 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 | 6.3750 | 524.05 | 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 | 4 Family | 4 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 77.56 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 313 | 18340.00 | 15 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 717 | 693 | 694 | 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 | (No Data) | (No Data) | 694 | 0 | -2083.83 | 0 | 0 | 2083.83 | 1266.02 | 25303.81 | 25303.81 | 25303.81 | XXXXXX | 25303.81 | 30.94 | 30.94 | Fully Amortized | 6.375 | 524.06 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Not Applicable<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| D7113572-E8AB-4076-8DEA-7D1A5AA23579 | 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 | 6.5000 | 936.09 | 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 | (No Data) | XXXXXX | XXX | XXX | 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 | 59.83 | (No Data) | (No Data) | 0.00 | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 158 | 35425.00 | 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 | 769 | 757 | 692 | 28208.27 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 750 | 764 | 771 | 28208.27 | (No Data) | (No Data) | 757 | 56416.54 | 54432.62 | 2.26 | 3.52 | 1983.92 | 1273.92 | 112469.61 | 68789.83 | 68789.83 | XXXXXX | 19142.65 | 15.03 | 15.03 | Start Rate | 6.500 | 936.10 | 2.26 | 3.52 | 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<br> D<br> A | D<br> B<br> A | B<br> D<br> A | D<br> B<br> A | B | Business Bank Statements - 13 months | Business Bank Statements - 13 months | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 498BD81B-2141-44D9-AC65-2EAEBD6632A5 | 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 | 5.9900 | 565.97 | 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 | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 125.50 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 301 | 27500.00 | 7 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 776 | 803 | 795 | 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 | (No Data) | (No Data) | 795 | 0 | -795.25 | 0 | 0 | 795.25 | 0 | 138923.04 | 138923.04 | 0 | XXXXXX | 138923.04 | 174.69 | 174.69 | Fully Amortized | 5.990 | 565.97 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> B<br> A | A<br> B | A<br> B | A<br> B | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 68716E88-C496-4691-9FF2-F67B0BCD78F5 | 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 | 5.9900 | 673.77 | 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 | (No Data) | XXXXXX | XXX | XXX | 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 | 52.75 | (No Data) | (No Data) | 72.00 | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 356 | 60000.00 | 9 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 719 | 761 | 773 | 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 | (No Data) | (No Data) | 761 | 0 | -942.27 | 0 | 0 | 942.27 | 0 | 19756.79 | 19756.79 | 19756.79 | XXXXXX | 19756.79 | 20.97 | 20.97 | Fully Amortized | 5.990 | 673.78 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| FD04F341-B306-44AD-9E9B-7D0E3838037B | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 713.47 | 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 | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 108.68 | (No Data) | (No Data) | (No Data) | 12.50 | Present | XXXXXX | 2 | No | Present | XXXXXX | 180 | 10500.00 | 5 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 627 | 628 | 644 | 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 | (No Data) | (No Data) | 628 | 0 | -962.5 | 0 | 0 | 962.5 | 0 | 97671.35 | 97671.35 | 97671.35 | XXXXXX | 97671.35 | 101.48 | 101.48 | Fully Amortized | 7.375 | 713.47 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| B70673CE-5C8C-4655-8867-D0921CDF4519 | 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 | 5.6250 | 1634.86 | 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 | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 115.00 | (No Data) | (No Data) | (No Data) | 42.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 65 | 50000.00 | 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 | 695 | 678 | 713 | 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 | (No Data) | (No Data) | 695 | 0 | -2192.9 | 0 | 0 | 2192.9 | 0 | 185561.83 | 185561.83 | 185561.83 | XXXXXX | 75842.82 | 34.59 | 34.59 | Fully Amortized | 5.625 | 1634.87 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| 0E539563-12D4-4AC6-B947-6B7B3D7979D0 | 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 | 6.1250 | 729.13 | 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 | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | XXX | XXX | 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 | 61.42 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 248 | 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 | 786 | 778 | 788 | 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 | (No Data) | (No Data) | 786 | 0 | -1129.34 | 0 | 0 | 1129.34 | 0 | 115552.46 | 115552.46 | 115552.46 | XXXXXX | 115552.46 | 102.32 | 102.32 | Fully Amortized | 6.125 | 729.14 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt<br> A | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |
| BCDD146E-4237-4345-BB1C-D1082FFB1A9A | 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 | 6.6250 | 1440.70 | 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 | XXX | XXX | 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 | 125.50 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 230 | 10353.00 | 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 | 719 | 692 | 704 | 311665.63 | 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 | (No Data) | (No Data) | 704 | 311665.63 | 306703.48 | 0.56 | 1.59 | 4962.15 | 1737.15 | 122813.63 | 122813.63 | 122813.63 | XXXXXX | 122813.63 | 70.7 | 70.70 | Fully Amortized | 6.625 | 1440.70 | 0.56 | 1.59 | 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<br> A | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |

---

## Exhibit 99.3

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| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | GSMBS 2025-R1 |
| **Start - End Dates:** | 3/6/2019 - 1/3/2022 |
| **Deal Loan Count:** | 236 |
| **Valuations Summary** |  |
| *Loans in Report:* | *236* |

---

---

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** |  |  | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU / LCA Score** |
| DE0D99EA-E625-4C04-A67D-A5F80E47704A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 2C1DBEF6-3134-48E5-886D-CE9F01AF3C38 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk | XXXXXX | XXXXXX | XXXXXX | -8.46% | XXXXXX | 0.000 | 67.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 454B9A53-568A-4E22-801B-4AF168055246 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk | XXXXXX | XXXXXX | XXXXXX | 39.18% | XXXXXX | 0.000 | 83.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| A39CF756-DABF-4C07-B020-B35F42165885 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.05% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| F74EEF02-A220-48A1-875D-5088605B4E6E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| D310E561-CFAB-4EA6-A8B9-33898C713E7B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | -32.44% | AVM |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 3F0D2F20-2CC3-4AB5-9F99-FAED2343D372 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.93% | XXXXXX | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | -5.15% | (No Data) |
| 922E51BF-51BC-4C68-94C7-E77115B74388 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.87% | XXXXXX | 0.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| A33FC36A-BEA8-4F21-8C11-30815773715B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.95% | XXXXXX | 0.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 2F386B96-BC29-425A-B42C-9B40079FE956 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -7.60% | XXXXXX | 0.000 | 90.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9DA22C31-A23A-492D-889C-8FFAC8E5FFE9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.29% | XXXXXX | 0.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| C3B569E5-EF20-4AFF-9DCC-817533F155DC | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 10.00% | XXXXXX | 0.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| DF4AEE95-49B3-4A78-8179-73D37BA0248F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk | XXXXXX | XXXXXX | XXXXXX | 3.14% | XXXXXX | 0.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| BA6BFB1C-286F-49C4-96D7-FBFE295DDBE8 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6EA3FDC3-4974-488F-AB8D-77A953D1B8BC | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.97% | XXXXXX | 0.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| C19A84A3-3439-4543-B9C4-C8502263E570 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.67% | XXXXXX | 0.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 45DB5893-CD20-4C07-963D-844B6ADF3521 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 262EADCE-6F1A-404D-BEE7-BAC687131608 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk | XXXXXX | XXXXXX | XXXXXX | -0.34% | XXXXXX | 0.000 | 76.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 264034C1-A4F2-467A-9C81-B930A30BCA95 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.87% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 95697803-C793-4601-83C9-9A1312FEB1A0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| E285DE3B-9AA2-4068-8AE3-86576A6F0C61 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk | XXXXXX | XXXXXX | XXXXXX | -5.93% | XXXXXX | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| AE6CD2C0-11C4-49EF-9FCD-F603823A6FEF | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 61CC8C97-C25E-4B04-A42E-E61576EF8E5A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 937D9145-117C-4C5E-ABCC-5C636E146FE5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.12% | XXXXXX | 0.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| F0DF7AC2-F6A9-4D28-AE4A-25C7236B90CE | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 9.57% | XXXXXX | 0.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 3C16D5D4-FF33-4995-A30F-6D325B8F0209 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.50% | XXXXXX | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | -4.31% | (No Data) |
| 3DE250D7-6296-42F1-8027-107E45E36F29 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 4.49% | XXXXXX | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | -4.35% | (No Data) |
| 857675C9-0246-40A3-947C-97BACBF4395B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 5.47% | XXXXXX | 0.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| F4531E07-734E-475E-8463-206DA6844624 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 16.25% | XXXXXX | 0.000 | 0.08 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | 14.01% | (No Data) |
| A7D92A4B-9F5F-4809-BBC3-0E799FB4E863 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk | XXXXXX | XXXXXX | XXXXXX | 0.00% | XXXXXX | 0.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 4CE20EC2-13FB-4D2B-B6E6-FCC71FDBF331 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk | XXXXXX | XXXXXX | XXXXXX | -2.50% | XXXXXX | 0.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 58CB9F87-02CC-401C-ABBB-C988D8C440EA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 16.88% | XXXXXX | 0.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 68388CF5-32FC-4EBE-9804-291A29D44625 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.16% | XXXXXX | 0.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| F21CA58C-CAB8-48AB-B163-419A987FFB67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| CEDE2A87-4EA3-4A72-AB30-F59DE728A608 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.91% | XXXXXX | 0.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 9069C7A5-BD31-497E-8901-B37A809F3B49 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.33% | XXXXXX | 0.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| D0674952-DD7F-43B3-8346-B93B2F755D1F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9FAFFC9A-33AD-4D91-B401-D19C570D85F0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 962010E8-78B0-4664-A3EC-23080EA3B824 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.11% | XXXXXX | 0.000 | 0.09 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | -2.09% | (No Data) |
| B6A93508-C796-4F38-8590-944573973EDC | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -8.16% | XXXXXX | 0.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6BFCDCF8-15FA-41D7-89ED-2EC4ED853192 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.70% | XXXXXX | 0.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 84E14C8F-0532-43DD-BF8A-87333049689E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 15F29BCD-224A-4BF3-BEC5-9283D0557FCA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk | XXXXXX | XXXXXX | XXXXXX | 4.95% | XXXXXX | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -9.52% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 61245013-93E4-412E-B035-B8D638C1D3F0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.70% | XXXXXX | 0.000 | 90.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 45456F3F-59F6-4699-A13D-99BD96B9D67D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 28EB3E36-1ED5-451C-836C-418C24E8B8E2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9974BE17-5C27-4C80-B5AA-5D9A19CB7FCB | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| C09A70A0-80F0-40E7-A49E-B7D1797A2E6F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.44% | XXXXXX | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -1.85% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | -9.22% | (No Data) |
| 070AEED0-2381-48EC-A85D-73AF2B56DED8 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | -3.57% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 1C1AC1F0-1FA1-471F-A667-1B3313E5D01D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk | XXXXXX | XXXXXX | XXXXXX | -4.07% | XXXXXX | 0.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 9AE4E20F-8FD2-4E20-932B-AD70BFC23FEF | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -9.65% | XXXXXX | 0.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7E7978CD-4E3F-4E86-ACB5-D09BFB2292A4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| BC90A295-F19E-4654-9B6C-B4ECDE76E80E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk | XXXXXX | XXXXXX | XXXXXX | -5.97% | XXXXXX | 0.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9BC3C73E-DF8F-4157-A85F-FF44ACC448C1 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk | XXXXXX | XXXXXX | XXXXXX | -2.82% | XXXXXX | 0.000 | 89.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| DCB21B0E-E739-4845-9862-07C7D5F2BDDD | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 40C32F15-5987-4B54-AD03-51B0D175E5B4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 16.15% | XXXXXX | 0.000 | 0.12 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Automated Valuation Model | XXXXXX | XXXXXX | XXXXXX | 7.46% | (No Data) |
| 188F674D-199D-4490-AEB5-C46ADB5D5ECF | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -6.54% | XXXXXX | 0.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| C4DD6106-3D31-42EF-86F2-467031D505BC | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.39% | XXXXXX | 0.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 4A8C4E3C-8879-4D1F-8958-E3180100FF85 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk | XXXXXX | XXXXXX | XXXXXX | -1.94% | XXXXXX | 0.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| A220F724-488E-4C1D-991B-1EB58FA827CA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 1BC334C5-C81B-412A-AB92-3D538A2F5829 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk | XXXXXX | XXXXXX | XXXXXX | 6.78% | XXXXXX | 0.000 | 50.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| F140AF22-206C-416B-8F89-049B26526185 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 31.35% | XXXXXX | 0.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| F6DC7EFC-A814-4358-B77E-19DA855FDD38 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 83D32E4B-5AB7-4B91-87F9-FF89587E87C4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 91AEC143-F52C-4EEC-97C8-F03F06EBCD21 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 32246274-4F8D-41EE-9EAA-D66771E643F6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 7.33% | XXXXXX | 0.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 47118383-A0B1-4261-AB22-20F8F5D768EF | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 0FFF1CF1-3DA8-4000-BE0E-5A273FF1B6F6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| DC80BF7B-001B-40F8-AAEE-96A447F25D34 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 6.57% | XXXXXX | 0.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 3940B26B-9E78-4C4C-8841-01016CA5D5E2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 11.41% | XXXXXX | 0.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| A54BC9EA-B62E-4711-85D5-A5D44850E9E0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.32% | XXXXXX | 0.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 760393B9-C0D2-40D4-A205-1ECDBC02E0DE | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.93% | XXXXXX | 0.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 4E134020-C238-432A-8AA2-456879BDD011 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.98% | XXXXXX | 0.000 | 90.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 35DA631A-8C64-496A-AFBC-E280F505D8CA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.18% | XXXXXX | 0.000 | 99.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| C9B025A7-6D68-456D-B6FF-6DAD972844F7 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 750E7379-86C7-4C39-89DA-D2F8A9932154 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6D671ECA-D831-4A05-ACD3-50568F905A9E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 07A2F11F-78CC-4A51-8C30-069851C05E3C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9434C0EA-9860-4586-9BA4-0AC4E17617F9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5320DDDC-8750-4E96-9F15-DE3603C18681 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7B21A673-F178-44E9-8210-1DF647B25073 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| F918C537-BFC4-4BE5-A36E-E50F700C1453 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1.17% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 3D69AD30-D275-4CB8-9458-F17D509BDDE9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6354A889-73BB-4317-B98D-BBB28B08A2BB | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| AB60613C-6CC0-4DE2-A84B-1099C3078DAC | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 9.26% | BPO |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| E28EA392-A6AB-4F30-B3A1-63E985F19758 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7B81C475-A977-4210-8EAF-464B81726A59 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | -5.81% | BPO |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| F8763849-B5A1-408B-85D0-5A92B622C743 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6D81CCEF-57E5-4261-9C18-17D075298BDA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 972D6747-2080-433E-AB1D-723A1AC5B8A5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 64E41A47-4E99-422C-A2EE-2A9F5FA2EB3C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 7.58% | XXXXXX | 6.000 | 94.00 | 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% | 1.0 |
| 24B38F9B-E79E-4994-A9C3-835C7004D00A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 15.20% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 12.62% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 1668A823-6645-4388-8BF0-E1744F0F46ED | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -30.77% | XXXXXX | 27.000 | 73.00 | 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) |
| A53DB7EF-A6C5-4A4F-AAD1-206C135FCEDB | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -20.00% | XXXXXX | 6.000 | 94.00 | 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) |
| 7CB5BD50-0E75-46C9-BF80-B6B48BD9191C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| CB355AD1-F799-453E-A888-A95589A8BF8D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -23.28% | XXXXXX | 3.000 | 70.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | 0.00% | (No Data) |
| 9D3D7F93-702E-4215-B70F-9E6C8CF801E6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -12.42% | XXXXXX | 2.000 | 80.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -29.12% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | 0.00% | (No Data) |
| AEAF52E6-1A19-484F-A62F-4A258125EC2C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -7.56% | XXXXXX | 6.000 | 94.00 | 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) |
| F865448A-C2E8-42B7-B2B6-557CBA75F4BE | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.56% | XXXXXX | 1.000 | 89.00 | 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) |
| 277E4A2C-8E0B-487A-90DE-08E99F849432 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 5.89% | XXXXXX | 10.000 | 90.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 75FD5A6D-0570-422A-8B15-962E428673E4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 7.00% | XXXXXX | 21.000 | 79.00 | 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) |
| 206F8B3F-0E9C-4938-80B5-38E8AEC23168 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| 2F37AF95-FF9C-476A-967F-93EBD37CA45F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 9C41AC33-3B72-4258-9CE5-2A4A6DA44BC2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -8.31% | XXXXXX | 90.000 | 90.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 8FD75C95-8E31-40C9-B9AD-6D6F1E7A079B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.27% | XXXXXX | 15.000 | 85.00 | 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) |
| FBF0D4C7-634B-43CB-9022-0086A965848C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -26.08% | XXXXXX | 29.000 | 71.00 | 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) |
| A57FFD1C-11B4-4C81-A69E-080FDE20CD3C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.08% | XXXXXX | 18.000 | 82.00 | 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% | 1.0 |
| F7F22B77-415E-4FB4-BFC0-39B770EC47A7 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -18.38% | XXXXXX | 4.000 | 96.00 | 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) |
| 6D8981DE-2E77-47AD-B133-B31301810E92 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.13% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 11F6168B-077B-4268-9D8C-F132DF502796 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 15.03% | XXXXXX | 1.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 9.14% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 4F1E21DE-7153-4B8A-9FFA-CBAE2D0B21F8 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.99% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| 1DE69CA0-0053-471F-AA4B-BA77BE4620C2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 0F569106-15A7-433C-8099-136529EC6A21 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -66.70% | XXXXXX | 38.000 | 62.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | 0.00% | (No Data) |
| F658A094-3DE5-453E-909B-FCCA3E3BB019 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -9.40% | XXXXXX | 1.000 | 90.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.50% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | 0.00% | (No Data) |
| 67308AA5-2BB2-48AF-88E9-7F2F2DA9BAD8 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 628CC9DF-26F6-490A-A228-5F69C580CD0E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 37BED81D-3742-4D08-9C89-E6530A148F03 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.98% |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| 0A9752B7-2A99-4199-AA5F-7DBCB4D152AE | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.29% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 2691D0AD-917E-426E-AE5D-A470DF260790 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| FC4EA628-5E65-4BCD-A827-CA5FBEE25D40 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -3.06% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| B1688318-88F3-456E-8701-FB21CC9C5707 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 4E6C97E4-9ECD-4814-B4EA-545D5B2136D9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 2F8DC8B8-C441-4015-8CDE-7B498274E336 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.18% | XXXXXX | 21.000 | 79.00 | 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) |
| ABEC5A85-33E8-412C-84D6-9E2532CB3AF6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.54% | XXXXXX | 17.000 | 83.00 | 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) |
| C9C1CD63-8D4A-4BB5-B3CF-8EFB7D4F9952 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -7.89% |  |  | $0.00 | $0.00 | 0.00% | 4.3 |
| 2F938EC8-8C1A-4FBF-9E61-E9288B744D08 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 6.40% | XXXXXX | 22.000 | 78.00 | 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) |
| 48266F07-679F-445C-8035-E8BE3A8855A1 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 20A688B2-1C37-40FF-8CB2-04D6D371F769 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 3E78C3CC-8187-419F-891B-5EF1CBCB8099 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 8A2C0EB8-00D0-449D-9161-694482853DED | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 6380EAEA-B7D5-4952-925B-5A1B687D9518 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.76% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6F92CBBC-9738-431B-8E6D-DD475DCFCEF3 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.35% | XXXXXX | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 6A67B485-501D-4FEA-B3EC-7644F0D00478 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 609330F5-790A-4E5E-A74F-5B41FAAC8068 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| A4A068EE-7143-48F6-8231-3351BC23FC58 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 1F150C4F-CABF-412E-8D14-1E633C76ED07 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| B1F18A36-BAAA-4BEB-94E2-715B0E3641DD | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -6.56% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| 99CC4461-E1BA-4817-964B-6B0E4699780C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -3.96% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 8D5989FE-B838-46B3-ADD7-3C063000755A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.86% | XXXXXX | 13.000 | 87.00 | 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% | XXXXXX | XXXXXX | XXXXXX | 1.51% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 51ED3531-BB5F-41F3-AD6C-621D4CDAC067 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 822FDABC-41D0-45AC-B1EE-0E989D84777B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 844018F1-CC88-430E-A521-993B5BD5F141 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.88% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| DF38C56A-303E-49AE-90EB-321359192D6B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.07% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| EF7AF4F7-753C-4840-86E4-EC877D23BD69 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 302E5FE9-8B17-4521-88EB-A34A5E181D35 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 937FD226-7778-49A8-9E32-DC61D716E26D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 236EA7D2-89B5-4C9D-A2EE-D8C1EF4EE378 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -49.94% | XXXXXX | 8.000 | 92.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 6.39% |  |  | $0.00 | $0.00 | 0.00% | 4.4 |
| CBD1E27B-5A9E-4926-80CA-1A65C8E2353C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| C18B9CDB-591F-458E-8C2F-B8CFED570216 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 7A37690F-8954-463A-8B2E-AAC6E62DFDCC | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 2F739D52-D3C7-4A24-B25F-07FEF800FDE1 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.3 |
| A79D4F7F-D82D-4A1E-A759-2F2C891C089E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| D3CB271D-D783-4C7A-9C85-80967867CC7E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 6127631C-C840-4B92-BFB7-A4D69FBFA7C4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| DA350E09-E9A4-4131-8F04-7D92E05F6E78 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.41% |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| 5D6EE23C-8DD0-4C20-A803-F597806FDABA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -12.65% | XXXXXX | 7.000 | 93.00 | 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) |
| A4A7FB75-7B3E-49BE-BAB3-A4028847303A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 51228997-C65C-4374-B292-9F981821B654 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| EA4A3AA7-06CE-41E0-8872-86BE18F0FE06 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 13BE6EB3-275E-4690-9750-C3C29B8B950F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -17.57% | Reconciliation | XXXXXX | XXXXXX | XXXXXX | 0.00% | 1.0 |
| 0C2A15EF-9905-4C6C-9E8B-A6FA9B3ABBE9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 2E446D84-42BE-4124-B7DA-60875A56AEBE | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.3 |
| B5028E63-213A-4E3E-89E8-C7EFFD556CAD | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 15.41% | XXXXXX | 19.000 | 81.00 | 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 |
| 77106DC4-1909-40C3-B7FB-A2DD7653A2B5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 9.49% | XXXXXX | 1.000 | 78.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 23.08% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6820714C-1EA7-4D80-868F-67964F09AB39 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.56% | XXXXXX | 3.000 | 70.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.39% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| A92F4566-8EAF-4678-A4AF-5579B9A63674 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -35.25% | XXXXXX | 28.000 | 72.00 | 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% | XXXXXX | XXXXXX | XXXXXX | -9.09% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9EE09CB0-9A11-43AA-AB5C-65C035A4E546 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -18.50% | XXXXXX | 7.000 | 93.00 | 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) |
| E0079B96-042E-4979-B562-6B44C3AEF7FA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.9 |
| 9C4EFDF8-D484-4BF2-92BC-DEB4AA96B2BD | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.88% | XXXXXX | 6.000 | 94.00 | 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) |
| 28070B65-2F0B-478B-9F76-2EDF9B66C82F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 510E0FAD-667D-4FDF-9909-5E8673B06451 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 141.00% | XXXXXX | 5.000 | 50.00 | 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) |
| DDBEE35E-0559-445A-8F9F-B96D899F6924 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -27.03% | XXXXXX | 15.000 | 85.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| ADAE4396-3DB0-45F7-9E07-662FC90D9231 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 59769CF9-E0C2-4B86-9F30-9329006045EA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 2B283FEB-5AA0-4B91-BD90-601A5D3181DF | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| E43446C3-888D-47BB-ADEC-63E533C5EBCB | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 7E9B2B87-37CC-43E7-9D6A-F671E6BA6531 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.89% | XXXXXX | 1.000 | 87.00 | 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) |
| CAAEDB4C-9D99-4F9E-BA57-65A74690B57D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 12C3864A-E921-4784-AB03-BBE5623406AB | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| F0285267-BD93-4D00-80FB-0CD3D41C6999 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| F34089DF-A6AC-459C-86A8-4FA37E6DA510 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 4398AAED-7922-4E53-BA6B-4019DC1626FA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 8BA4E357-A531-46E5-9D31-AECA9C1739C4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 89188370-E8EE-4E20-8572-2684AF18D83C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.95% | XXXXXX | 13.000 | 87.00 | 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% | 1.0 |
| F6E427B9-2550-4E74-AF50-B96BD33748F8 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 4.00% | XXXXXX | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| E3815CF7-CA23-48D8-80FD-1AA0781FCDD9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| A40105D2-D55E-459E-8F60-DF46C5C4B0A4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 16.79% | XXXXXX | 12.000 | 88.00 | 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) |
| 995AFE26-2D29-4BBF-A0CB-F27C8C63BE29 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.44% | XXXXXX | 11.000 | 89.00 | 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) |
| 8BFAD171-148E-48AD-B479-5E5F91EB6AC2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -7.66% | XXXXXX | 12.000 | 88.00 | 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) |
| D9570785-C646-4090-B0D5-545FB15C3A26 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -10.27% | XXXXXX | 12.000 | 88.00 | 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) |
| ECB508A1-4520-4E82-8A7A-8088703B1720 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -8.04% | XXXXXX | 18.000 | 82.00 | 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% | 1.0 |
| 83DAC698-1185-479B-94FE-C945A068FED0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | XXXXXX | 5.000 | 50.00 | XXXXXX | XXXXXX | XXXXXX | 5.63% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 00AE001B-9CFE-4C86-870B-BDB5298F7605 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -6.61% | XXXXXX | 1.000 | 85.00 | 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) |
| 3DED74C1-570A-4314-8D5C-18F6418E824A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.0 |
| 374E37FA-549E-4C36-AF1C-1438591E7CC6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.36% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| E8A4A17B-54E7-44FC-976B-45B8672E7C90 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| B07FAD04-57EA-44FB-AE8B-D5169BC46CDD | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.88% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 79208596-2D3B-4AEE-BA60-BFED0B45D3AD | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -6.16% | XXXXXX | 1.000 | 83.00 | XXXXXX | XXXXXX | XXXXXX | -6.16% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 501FB992-5D11-48DD-9636-67E56346F560 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 4F29CC17-F2C7-4D6F-AECB-5473FE57DD3A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 14.23% | XXXXXX | 35.000 | 65.00 | 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) |
| 91673CD4-C896-4F89-9D43-A4371122F622 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -25.69% | XXXXXX | 15.000 | 85.00 | 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) |
| 54C5A0CA-7DD9-481F-BE8F-DE8B496115C9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 8BCA00CD-C08C-440E-935F-BCFAF327B17C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| E50994B1-8890-4493-86F7-099013795C30 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.0 |
| 2FE3046D-289D-48E6-AECA-DBED60D85D4F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 93ED1AFE-AC45-432C-A1B2-C189E774C2D9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 3.50% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 34F51F4A-296A-4720-910F-0F2E85C4BA23 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 1B980FDE-9613-4A66-BF26-FCD813243A60 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| FEBB4064-1854-455E-93C1-59A47FD200D2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 17F20C8B-ADB7-40B1-BBE2-381735D5B5F6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.0 |
| 61207274-7D72-4F0F-8461-F1A34385999C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| A0135EB8-AA3C-4B48-A7AF-157283D7901D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 4ACCD13B-5E3B-4268-BD2A-2FD23D9F02FD | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 8DD70FCF-F0B3-4914-AA7E-4E85195F6F58 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 687E00D4-0CAD-4C5E-9791-52DE1D5B377A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 8AE306D8-EF0D-47B8-898F-3A7BE08EB7A3 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| BE5EEAE7-5868-4BE2-A58A-B710C8E6AC45 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7053331B-DD8B-4063-A07F-E44B6418F402 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| E7CAE37B-B721-42B4-BCB6-4CCC1D02BF53 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| B8A090CB-32F9-4321-A353-937F3447D94B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 3A0DA56F-B0A4-4781-A5A0-273C767E0550 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.0 |
| B5ECA2BD-F4A8-4BA6-A5A5-05D89BEDC493 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 1.12% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| E1CD63B1-0BD4-425F-B473-FBE331AD1ABA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2.86% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 33A0658B-FC39-402E-B45C-0BCA7FADAB88 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7F8EF4B9-FDEA-4AB4-A2FA-CB53CA5FB755 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 33C936D4-B889-4160-BC5A-458962699350 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 5EE8BD3A-7652-442D-B057-857AB39EEB43 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7D3326F6-A2E6-470A-9F24-4D6957803B93 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| E9E20027-03CB-4B5C-B970-F5231822FABB | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| D7113572-E8AB-4076-8DEA-7D1A5AA23579 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 498BD81B-2141-44D9-AC65-2EAEBD6632A5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 0.0 |
| 68716E88-C496-4691-9FF2-F67B0BCD78F5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| FD04F341-B306-44AD-9E9B-7D0E3838037B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| B70673CE-5C8C-4655-8867-D0921CDF4519 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 0E539563-12D4-4AC6-B947-6B7B3D7979D0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| BCDD146E-4237-4345-BB1C-D1082FFB1A9A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |

---

## Exhibit 99.3

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |
| **Client Project Name:** | **GSMBS 2025-R1** |  |  |  |
| **Start - End Dates:** | **3/6/2019 - 1/3/2022** |  |  |  |
| **Deal Loan Count:** | **236** |  |  |  |
| **Waived Conditions Summary** | **Waived Conditions Summary** |  |  |  |
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Legal Documents | CRDLGL100 | Legal document incorrect or incomplete | 2 |
| Credit | Terms/Guidelines | CRDTER111 | Ownership seasoning does not meet minimum per guidelines | 1 |
| Credit | Terms/Guidelines | CRDTER113 | Loan amount is below guideline minimum | 1 |
| Credit | Terms/Guidelines | CRDTER3122 | Loan documents do not meet guideline requirements | 1 |
| Credit | LTV/CLTV | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | 2 |
| **Total** |  |  |  | **7** |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.4

![](opus_logo.jpg)

## GSMBS 2025-R1

## <br>
Executive Narrative

Opus Capital Markets Consultants, LLC

300 Tri-State International – Suite 320 \| Lincolnshire, IL 60069 \| <u>www.opuscmc.com</u> \| 224.632.1300

------

### Executive Narrative

#### November 17, 2025

#### Performed by

#### Opus Capital Markets Consultants, LLC

#### For

#### Goldman Sachs Mortgage Company

The report summarizes the results of a quality control ("QC") due diligence review performed on a pool of 608 loans by Opus Capital Markets Consultants, LLC ("Consultant") on behalf of LSRMF Acquisitions II NQM Holdings Trust ("Client"). These loans were purchased by Goldman Sachs Mortgage Company ("Customer") from the Client.

Consultant performed the QC review of a prior securitization review completed by the Recovco Mortgage Management LLC ("Recovco) on behalf of LSRMF Acquisitions II NQM Holdings Trust ("Client"). Consultant was unable to validate 16 or the 624 exceptions in this population of 608 loans.

As detailed herein, the pool contains 112 Non-QM/Compliant loans and 496 Not Covered/Exempt loans.

The scope of review completed by Opus is identified as the scope of services under the terms of Exhibit A below.

The scope of review previously completed by Recovco is identified as the scope of services under the terms of Exhibit B below. The loans were re-underwritten in accordance with the lender guidelines in terms of Exhibit B.

------

EXHIBIT A

#### Scope of Services:

#### QC Review:

#### Data / Information Collection:
The Consultant shall obtain all necessary loan files, reports, guidelines, data tapes, and narratives that were reviewed or produced by the original due diligence vendor. Prior to commencing the Quality Control (QC) review, the Consultant shall perform a comprehensive review of the applicable underwriting guidelines and the original scope of work.

#### QC Review

A QC Review shall be conducted to verify the accuracy of the final report and narrative documents produced by the original due diligence vendor. The QC Review shall encompass the following components:

&nbsp;&nbsp;&nbsp;&nbsp;a) **Scope Review:** The Consultant shall review the original scope of review details to confirm that all applicable requirements were
 contemplated and performed in the original review.

&nbsp;&nbsp;&nbsp;&nbsp;b) **Guidelines:** The Consultant shall review applicable guidelines and perform a data analysis of the final reports to confirm the
 completeness and validity of the report content.

c) **Findings Review:** The Consultant shall conduct a comprehensive review of all loans identified with exceptions in the final report. This review shall include verification that all required trailing documents are present within the respective loan files. Additionally, the Consultant shall confirm that all documentation used to resolve previously identified conditions is valid and sufficient to address the original exception. In instances where trailing documents are unavailable, the Consultant shall analyze the report commentary to ensure that adequate explanatory notes are included, detailing how the exception was otherwise resolved.

d) **Compliance QC Review:** The Consultant shall review all calculated Annual Percentage Rates (APRs) and conduct comprehensive compliance testing on any loan for which the APR exceeds the applicable state usury limit. Additionally, the Consultant shall compare five percent (5%) of the original loan amount to the amount reported as "Points and Fees (Regulation Z)." For any loan in which the reported "Points and Fees" exceed this 5% threshold, the Consultant shall perform a full compliance review to ensure adherence to applicable regulatory requirements.

e) **Tax and Title Review:** The Consultant will perform a title review and perform the following procedures:

<br> a. Review updated title report (One Owner O&E report) to identify judgments / liens / encumbrances (pre and post origination) which would impact the lien position of the subject mortgage.

<br> b. Confirm subject mortgage is recorded.

<br> c. Review Schedule B: Ensure any liens recoded prior to the mortgage recordation date are listed to exceptions on the final title policy.

<br> d. Super lien Homeowners' Association (HOA) liens.

<br> e. For the purpose of the review the following states are subject to HOA super liens

<br> f. AL, AK, CO, CT, DC, DE, FL, HI, IL, MA, MD, MN, MO, NV, NH, NJ, OR, PA, RI, TN, VA, VT, WA and WV.

&nbsp;&nbsp;&nbsp;&nbsp;f) **Value Review:** The Consultant shall review the final value report to verify that all required secondary values are included and that
 each meets the minimum threshold of ten percent (10%). The Consultant shall also confirm that the valuation process adheres to the prescribed value hierarchy (value waterfall) as set forth in applicable guidelines and meet
 securitization standards.

&nbsp;&nbsp;&nbsp;&nbsp;g) **Securitization Preparation:** The Consultant shall create and provide
 all required securitization documents, including securitization reporting, reliance letters, narrative summaries, attestations, and a 15-E disclosure, as applicable.

------

EXHIBIT B

#### RECOVCO MORTGAGE MANAGEMENT, LLC

#### STATEMENT OF WORK

#### DUE DILIGENCE SERVICES

#### Scope of Services:

#### Due Diligence for LSRMF Acquisitions II NQM Holdings Trust

DESCRIPTION OF SERVICES:

Recovco was instructed to perform a credit, regulatory compliance, data validation, and valuation review (the "Review Population") in accordance with national recognized statistical rating organizations ("NRSRO(s)") review standards in place as of the review date.

LOAN REVIEW POPULATION:

Recovco does not know the size of the overall securitization population and other third-party review firms that may have been engaged.

The table below summarizes the reviews conducted by Recovco:

---

| | | |
|:---|:---|:---|
| **Review** | **Reviewed Total** | **% Of Sample** |
| Data Integrity Population | 608 | 100.00% |
| Credit Population | 608 | 100.00% |
| Compliance Population | 608 | 100.00% |
| Valuation Population | 608 | 100.00% |

---

### DATA INTEGRITY:
Where available, Recovco compared the data fields below on the bid tape provided by the Client to the data found in the actual file as captured by Recovco. This information may not have been available for all mortgage loans. This comparison included the following data fields:

---

| | | | | |
|:---|:---|:---|:---|:---|
| Last Name | Appraised Value | 1<sup>st</sup> Rate Chg Date | Rate Index | Rounding Code |
| First Name | Sale Price | Prepay Months | Amortization Term | Lookback Period |
| Occupancy | LTV | MI Company | Neg Am Flag | Initial Rate Cap |
| Purpose | CLTV | MI Coverage | IO Term | Periodic Rate Cap |
| Address | Note Date | Next Due Date | PP Terms | Life Rate Cap |
| State | Loan Amount | Property Units | PP Months | Life Rate Floor |
| Zip | First Payment Date | Maturity Date | Balloon Flag | Margin |
| Property Type | Original Rate | DTI | Next Rate Chg Date | Reset Frequency |
| Lien Position | Original P&I | Self Employed Flag | First Pmt Chg Date |  |
| Orig Credit Score | Interest Only Flag |  | Next Pmt Chg Date |  |

---

### CREDIT UNDERWRITING:
Recovco performed a review of the loan package to determine whether such package meets the credit and property underwriting criteria of applicable guidelines, in effect at the time of such loan's origination and that adequate support for the underwriting decision is contained in the file. Recovco reported to Client any exceptions utilizing Client accessed Recovco systems or other mutually agreed upon written report.

To complete these activities, Recovco completed a review utilizing the following review scope:

Recovco will review 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 Recovco and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the mortgage loan file will also be performed.

Credit Application: For the Credit Application, Recovco will verify 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: Recovco's review will include 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, Recovco: will (i) capture the monthly consumer debt payments for use in relevant calculations, (ii) note and research the Real Estate Owned and fraud alerts, and (iii) gather 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: Recovco will determine 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 will be 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, (vi) IRS tax transcripts, and for certain programs (vii) bank statements.

Asset Review: Recovco will assess 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, Recovco will complete 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, (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: Recovco will review the insurance present on the mortgage loan. During this review, Recovco will (i) verify that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirm that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirm that the premium amount on both the hazard and flood insurance matched what was used in the debt-to-income ("DTI") calculations, (iv) review the tax certificate to verify and compare monthly escrows used to calculate DTI matched, (v) confirm that the flood certification was for the correct borrower, property, lender and mortgage loan number, and (vi) complete 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, Recovco will verify that DU findings included an approved/eligible decision as required per guidelines. However, all mortgage loans are manually underwritten with documentation requirements determined by Client guidelines and not AUS findings.

Occupancy Review: Recovco will confirm 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: Recovco will confirm 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 to be examined include (i) DTI of the borrower, (ii) the LTV/CLTV/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: Recovco will review 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, Recovco will condition the mortgage loan for the missing fraud report product.

If a report was present, Recovco will review 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 are noted, Recovco will confirm that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

Additional Review of Mortgage Loan File: Recovco will review the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in this portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, and (ii) the presence of loan modification documents, and (iii) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

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

### REGULATORY COMPLIANCE REVIEW:
Please be advised that Recovco 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

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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 Recovco are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Recovco is relying in reaching such findings.

Please be further advised that Recovco does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Recovco do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Recovco. Information contained in any Recovco 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 Recovco 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 Recovco 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. Recovco does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Recovco.

**Regulatory Compliance Analysis:** TPR will test each Mortgage Loan to verify that it closed in compliance with the applicable federal, state and local anti-predatory lending statutes in effect at the time of origination of the Mortgage Loan and that the Mortgage Loan meets (i) the 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; (ii) the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. §2603, as implemented by Regulation X, 12 C.F.R. Part 1024; (iii) the disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations (as applicable); and (iv) the disclosure requirements and prohibitions of the applicable state and local laws and ordinances that were enacted to combat predatory lending.

&nbsp;&nbsp;&nbsp;&nbsp;**1.**  **<u>The following section is applicable to Mortgage Loans with an application date on or after October 3, 2015</u>:** 

<br> a. Documentation. Review of the following documents for regulatory compliance:

<br> i. Initial and final application (1003)

<br> ii. Note, including all addendums

<br> iii. Copy of note for any junior liens (if applicable)

<br> iv. Mortgage / Deed of Trust, including all riders

<br> v. Initial and Re-disclosed Loan Estimates ("LE")

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

<br> vii. Notice of Right to Cancel (if applicable)

<br> viii. Rate Lock date information;

<br> b. High Cost/Higher-Priced Loans

i. Review of federal, state & local high cost, higher-priced and/or anti-predatory laws and regulations, including those set forth on <u>Schedule 1</u>. 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 must be reported.

ii. Missing initial application / rate lock confirmation – If missing initial application, missing initial application date or missing rate lock confirmation results in inability to determine application date or rate set date for purposes of high cost / higher-priced mortgage loan testing, vendor will test based on: (1) a 6-month

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;window prior to closing date for missing application date; and (2) all dates between application and closing for missing rate set date. Other evidence in file (e.g. date of initial disclosures, rate lock expiration on GFE) may be relied upon to estimate application or rate set date but will be determined on a case by case basis.

<br> c. TILA/Regulation Z. Review to determine compliance with the requirements of TILA/Regulation Z including, but not limited to, the following:

i. A review and comparison of LEs and CDs with a report outlining any TILA violations, including a re-calculation of disclosed finance charge, principal and interest calculations, proper completion of the Projected Payments table, recalculation of disclosed APR and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframe;

<br> ii. Loan Estimate ("LE"):

<br> A. Confirm the presence of the current LE in effect at the time of origination;

<br> B. Verify LE was provided to the borrower(s) within three (3) business days of the date the lender (or broker if applicable) received an "application" and at least 7 business days prior to consummation;

C. Verify LE was provided to the borrower(s) within three (3) business days of: (a) the date the rate was locked; and (b) the date an expired rate lock was re-locked (if applicable). Evidence of rate lock (e.g., rate lock agreement, screen shot) is necessary to confirm rate lock date. A revised LE is not required to be disclosed if the rate has been extended with no other changes to the previously disclosed interest-rate dependent charges or terms provided the borrower has not entered into a new rate lock agreement with the lender.

<br> D. Verify the final LE was provided at least 4 business days prior to consummation and that no LE was provided to the borrower after a CD was provided;

<br> E. Verify all sections of the LE were accurately completed and that information was reflected in the appropriate locations;

F. Determine whether a valid and properly documented reason (changed circumstance affecting settlement charges, changed circumstance affecting eligibility, revision requested by the consumer, interest rate has been locked, LE has expired, delayed settlement date on construction loan) accompanies a revised LE containing any increase in fee(s) (subject to the good faith provisions in 12 CFR § 1026(e)(3)), and verify if an LE was provided within 3 business days of the lender's (or broker's) receipt of information sufficient to establish that a reason for a revision applies.

1. Any increase in (1) a fee that is subject to zero tolerance or (2) fees that cause the aggregate amount of charges as defined in 12 CFR § 1026.19(e)(3)(ii) to increase by more than 10% that are disclosed on a LE but not accompanied by one of the six specified reasons should be disregarded for purposes of tolerance testing, including any reset of tolerances. For that fee, the amount on the previously properly-disclosed LE should be used for testing of the zero and 10% tolerance categories. All other fees that have changed and are disclosed in compliance with TILA should be included in the tolerance testing, including changes to interest-rate related charges that change while the interest rate is floating and/or change upon re-disclosure within three (3) business days of rate lock or re-lock.

2. Increases in fees as defined in 12 CFR § 1026.(e)(3)(iii) are permissible provided there is no evidence that the lender (or broker, if applicable) did not disclose the increase based on the best information reasonably available at the time (e.g. failure to disclose a homeowner's insurance premium when homeowner's insurance is required; prepaid interest amounts that are not consistent with the date the loan will close or with changes to loan terms).

<br> 3. Documentation that simply restates the change (e.g. fee increased) with no further explanation is not sufficient.

G. A difference between the disclosed Total Interest Percentage (TIP) and the calculated TIP (either under- or over-disclosed) should be conditioned. If the difference in calculation is due to the rounding of the loan payment to whole cents as permitted by 12 CFR § 1026.17(c)(3), this should be noted in the condition.

<br> iii. Closing Disclosure ("CD"):

<br> A. Confirm the current applicable CD was provided;

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<br> B. Verify all sections of the CD were accurately completed and that information was reflected in the appropriate locations;

<br> C. Verify that the borrower, or each consumer with the right to rescind the transaction (if applicable), was provided with a copy of the CD within 3 business days of consummation;

D. If the initial CD has been provided in lieu of a revised LE because there were fewer than four business days between the time the revised LE was required to be delivered and consummation, the CD may be used to reset fee tolerances provided the loan did in fact close within that timeframe and valid changed circumstances are documented to support fee increases as discussed below.

1. Any increase in (1) a fee that is subject to zero tolerance or (2) fees that cause the aggregate amount of charges as defined in 12 CFR § 1026.19(e)(3)(ii) to increase by more than 10% is limited to one of the six reasons specified in the rule (changed circumstance affecting settlement charges, changed circumstance affecting eligibility, revision requested by the consumer, interest rate has been locked, LE has expired, delayed settlement date on construction loan).

i. Any of these increased fees that are disclosed on the CD but not accompanied by one of the six specified reasons should be disregarded for purposes of tolerance testing, including any reset of tolerances. For that fee, the amount on the previously properly-disclosed LE should be used for testing of the zero and 10% tolerance categories. All other fees that have changed and are disclosed in compliance with TILA should be included in the tolerance testing, including changes to interest-rate related charges that change while the interest rate is floating and/or change upon re-disclosure within three (3) business days of rate lock or re-lock).

<br> 2. Documentation that simply restates the change (e.g. fee increased, etc.) with no further explanation is not sufficient.

E. Increases in fees as defined in 12 CFR § 1026.(e)(3)(iii) that are disclosed on the initial CD or any re-disclosed CD are permissible provided there is no evidence that the lender did not disclose the increase based on the best information reasonably available at the time (e.g. failure to disclose a homeowner's insurance premium when homeowner's insurance is required; prepaid interest amounts that are not consistent with the date the loan will close or with changes to loan terms).

F. Any fees that are paid at closing by someone other than the borrower (e.g.; seller or other third party) should be treated as borrower-paid for purposes of the tolerance calculations in 12 CFR § 1026.19I(3)(i) – (iii). For example, if a $500 appraisal fee (for which the borrower could not shop) that was disclosed on the LE as paid in full or in part by the seller increases to $750 on the CD, the $250 increase must be considered, and a tolerance refund of $250 will be due to the borrower unless the increase had been re-disclosed subject to a valid changed circumstance. Fees paid by the lender should be reviewed for compliance with 12 CFR § 1026.19I(3)(i) (i.e.; an increased lender credit to cover an increased fee does not constitute a zero tolerance violation, but a decreased lender credit that was not re-disclosed subject to a valid changed circumstance is a violation and will require a refund).

G. A difference between the disclosed Total Interest Percentage (TIP) and the calculated TIP (either under- or over-disclosed) should be conditioned. If the difference in calculation is due to the rounding of the loan payment to whole cents as permitted by 12 CFR § 1026.17I(3), this should be noted in the condition.

H. For loans originated prior to October 10, 2017, any difference between the disclosed Total of Payments (TOP) and the calculated TOP (either under- or over-disclosed) should be conditioned. Effective for loans originated on/after October 10, 2017, the applicable tolerances in 12 CFR § 1026.23(g)(1)(ii) and § 1026.23(h)(2)(ii) (i.e. $35 tolerance for under-disclosure of TOP for loans subject to rescission) apply. TPR will note if a tolerance has been exceeded and, if so, the amount necessary to cure the tolerance violation.

<br> I. Review to confirm if any changes occurred before consummation that required a new 3-business day waiting period and, if so, if revised disclosures were provided and the required waiting period was met;

1. If the APR decreases by greater than 1/8 of one percentage point, (or ¼ of one percentage point for an irregular transaction), confirm the disclosed APR resulted from the disclosed finance charge (i.e. the finance charge also decreased).

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<br> J. Review any CDs provided to the borrower post-consummation to confirm revised disclosures and refunds were provided as required and within the required timeframes.

<br> iv. Written Estimate of Terms or Costs – confirm that any term/cost estimate provided to the borrower meets the content requirements of TILA and is not provided after the borrower has been, or is required to be, provided the LE.

<br> A. A Written Estimate of Terms or Costs may be provided within the 3-business day period after the lender's receipt of a loan application as long as the Written Estimate is provided before the borrower receives the LE.

<br> v. Written List of Settlement Service Providers:

A. If the borrower was permitted to shop for any settlement services as evidenced by the LE, confirm the Written List of Settlement Service Providers is in the Mortgage Loan File and meets the content requirements of TILA, including providing the name of at least one provider for each service for which the borrower was permitted to shop; and

1. If the borrower was permitted to shop for a settlement service as evidenced on the LE and the List of Settlement Service Providers was not provided or did not list a provider for that service, the cost of the service must be included in the ten percent tolerance category unless the settlement service provider was the creditor or an affiliate of the creditor, in which case the cost of the service is considered an increase subject to the zero tolerance category. TPR will note if the tolerance has been exceeded and, if so, the amount necessary to cure the tolerance violation. TPR will also note a violation for failing to provide at least one settlement service provider for a service for which the borrower was entitled to shop.

<br> B. Verify the List of Settlement Service Providers was provided to the borrower(s) at the time of the LE disclosing the applicable service(s).

<br> vi. Special Information Booklet ("Your Home Loan Toolkit"):

A. Confirm the presence of the Special Information Booklet ("Your Home Loan Toolkit") in the Mortgage Loan File or that the Mortgage Loan File contains sufficient evidence that the disclosure was provided to the borrower (*e.g.,* cover letter reflecting the Booklet as an enclosure) on purchase and construction (construction to permanent loans) Mortgage Loans; and

<br> B. Confirm the Special Information Booklet ("Your Home Loan Toolkit") was provided within three (3) business days of the date the lender (or broker if applicable) received an "application."

vii. A review of the Notice of Right to Cancel, including a verification of the transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties, verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s);

A. A condition must be placed if the transaction is a refinance by the original creditor and the borrower was provided the Form H-8 rescission notice. TPR will note in the condition whether or not there was a new advance that is subject to rescission per TILA/Regulation Z.

viii. Where the loan file contains evidence of a loan modification (other than a modification pursuant to the Home Affordable Modification Program (HAMP), review file to determine if the loan was a true modification that would not require new TILA disclosures. If not a true modification, must be treated as a refinancing for purposes of new TILA disclosures. Review notes / mortgages / mod agreements & determine if existing note / mortgage have been satisfied and replaced. If so, qualifies as refinancing unless: 

A. Reduction in APR with corresponding change in payment schedule (shortening of maturity, reduction in payment amount or number of payments). However, if maturity is lengthened or if payment amount or # of payments is increased beyond that remaining on existing transaction, new disclosures are required; OR

B. Change in payment schedule or collateral requirements as a result of default/ delinquency. However, if rate is increased or additional credit is advanced beyond amounts already accrued plus insurance premiums, or a fixed rate loan is being modified into an adjustable rate loan, new disclosures required.

ix. A review to ensure the Mortgage Loan meets the applicable Ability-to-Repay ("ATR") requirements as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43. For purposes of such review, where loans were originated by a broker, consider the loan application date to be the date the loan file was received by the original creditor.

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

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

<br> f. Fair Credit Reporting Act/Regulation V: Confirm compliance with the current FCRA/Regulation V requirements regarding risk-based pricing notice, credit score disclosure and Notice to Home Loan Applicant, as applicable.

<br> g. Mandatory Arbitration – TPR will report mandatory arbitration provisions present in the loan file.

<br> h. Single Premium Credit Insurance – TPR will report single premium credit insurance policies or debt cancellation agreements present in the loan file.

<br> i. TPR will test for state prepayment and late charge restrictions. If a prepayment penalty that exceeds the state permitted penalty has expired, this must be reported.

&nbsp;&nbsp;&nbsp;&nbsp;**2.**  **<u>The following section is applicable to Mortgage Loans with an application date prior to October 3, 2015</u>:** 

<br> a. Documentation. Review of the following documents for regulatory compliance:

<br> i. Initial and final application (1003)

<br> ii. Note, including all addendums

<br> iii. Copy of note for any junior liens (if applicable)

<br> iv. Mortgage / Deed of Trust, including all riders

v. Final HUD-1 Settlement Statement ("HUD-1"). If the final HUD-1 is missing, TPR will review for compliance using the estimated HUD-1 if available in the file. TPR will report if the final HUD-1 is missing and note in the condition that (a) testing was performed using an estimated HUD-1 or (b) there was no estimated or final HUD-1 in the file available for testing.

<br> vi. Initial, Final and Re-disclosed Truth in Lending Disclosures ("TIL")

<br> vii. Notice of Right to Cancel (if applicable)

<br> viii. Initial and Re-disclosed Good Faith Estimates ("GFE")

<br> ix. Rate Lock date information;

<br> b. High Cost/Higher-Priced Loans

i. Review of federal, state & local high cost, higher-priced and/or anti-predatory laws and regulations, including those set forth on <u>Schedule 1</u>. 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 must be reported.

ii. Missing initial application / rate lock confirmation – If missing initial application, missing initial application date or missing rate lock confirmation results in inability to determine application date or rate set date for purposes of high cost / higher-priced mortgage loan testing, vendor will test based on: (1) a 6-month window prior to closing date for missing application date; and (2) all dates between application and closing for missing rate set date. Other evidence in file (e.g. date of initial disclosures, rate lock expiration on GFE) may be relied upon to estimate application or rate set date but will be determined on a case by case basis.

<br> c. TILA/Regulation Z. Review to determine compliance with the applicable requirements of TILA/Regulation Z including, but not limited to, the following:

i. A review and comparison of the initial and final TIL, and any re-disclosed TIL(s), with a report outlining any TILA violations, including a re-calculation of disclosed finance charge, proper execution by all required parties, principal and interest calculations, proper completion of the interest rate and payment summary,

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;recalculation of disclosed APR, and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes;

iii. A review of the Notice of Right to Cancel, including a verification of the transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s);

A. A condition must be placed if the transaction is a refinance by the original creditor and the borrower was provided the Form H-8 rescission notice. TPR will note in the condition whether or not there was a new advance that is subject to rescission per TILA/Regulation Z.

iv. Where the loan file contains evidence of a loan modification (other than a modification pursuant to the Home Affordable Modification Program (HAMP), review file to determine if the loan was a true modification that would not require new TILA disclosures. If not a true modification, must be treated as a refinancing for purposes of new TILA disclosures. Review notes / mortgages / mod agreements & determine if existing note / mortgage have been satisfied and replaced. If so, qualifies as refinancing unless: 

A. Reduction in APR with corresponding change in payment schedule (shortening of maturity, reduction in payment amount or number of payments). However, if maturity is lengthened or if payment amount or # of payments is increased beyond that remaining on existing transaction, new disclosures are required; OR

B. Change in payment schedule or collateral requirements as a result of default/ delinquency. However, if rate is increased or additional credit is advanced beyond amounts already accrued plus insurance premiums, or a fixed rate loan is being modified into an adjustable rate loan, new disclosures required.

v. For Mortgage Loans with an application date on or after January 10, 2014, a review to ensure the Mortgage Loan meets the applicable Ability-to-Repay (ATR) and Qualified Mortgage (QM) qualifications as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR 1026.43. For purposes of such review, where loans were originated by a broker, consider the loan application date to be the date the loan file was received by the original creditor.

<br> d. RESPA/Regulation X: Review to ensure compliance with the applicable requirements of RESPA/Regulation X including, but not limited to, the following:

<br> i. Good Faith Estimate ("<u>GFE</u>"):

A. Confirm the presence of the current GFE form in effect at the time of origination. Verify GFE was provided to the borrower(s) within three (3) business days of the date the lender (or broker if applicable) received an "application," which is to be defined by the lender;

<br> B. RESPA 2010: Determine whether a valid and properly documented change in circumstance accompanies any re-disclosed GFE containing the following:

<br> 1. any change(s) to loan terms, including any increase in rate after the rate has been locked and/or change to loan program; and

<br> 2. Any increase in fee(s).

<br> ii. Final HUD-1: Confirm compliance with the RESPA requirements in effect as of origination of the Mortgage Loan including, but not limited to:

<br> A. Current applicable HUD-1 form was provided;

B. Escrow deposit on the HUD-1 matches the initial escrow statement amount; and

<br> C. Verify all sections of the HUD-1 were accurately completed and that information was reflected in the appropriate locations.

<br> iii. GFE and Final HUD-1 Comparison (RESPA 2010): Confirm compliance with the RESPA requirements in effect as of origination of the Mortgage Loan including, but not limited to:

<br> A. Review changes disclosed on the latest GFE provided to the borrower to ensure that they were within the allowed tolerances as set forth in the RESPA requirements.

<br> B. Confirm Mortgage Loan terms and fees disclosed on the third page of the HUD-1 accurately reflected how they were disclosed on the GFE and how the Mortgage Loan closed;

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1. A change in loan amount from the latest GFE to the HUD-1 is acceptable and should not be conditioned. Any other changes to loan terms must be noted.

<br> C. Review any attempt to cure a RESPA violation to ensure that the proper reimbursement was made and/or a new HUD-1 was provided and that it was done within the required thirty (30) day window.

e. Additional RESPA/Regulation X Disclosures and Requirements: Confirm compliance with RESPA/Regulation X documentation and timing requirements in effect at origination of the Mortgage Loan for other RESPA disclosures (Servicing Disclosure Statement; Special Information Booklet; Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement).

f. Equal Credit Opportunity Act/Regulation B: Confirm compliance with the January 18, 2014 requirements regarding the disclosure of the right to receive a copy of appraisals within three (3) business days of application, the right to receive a copy of the appraisals at least three (3) business days prior to consummation and any applicable waiver.

<br> g. Fair Credit Reporting Act/Regulation V: Confirm compliance with the FCRA/Regulation V requirements regarding risk-based pricing notice, credit score disclosure and Notice to Home Loan Applicant, as applicable.

<br> h. Mandatory Arbitration – TPR will test for mandatory arbitration provisions in the loan file.

<br> i. Single Premium Credit Insurance – TPR will test for purchase loans with single premium credit insurance policies or debt cancellation agreements present in the loan file.

<br> j. TPR will test for state prepayment and late charge restrictions. If a prepayment penalty that exceeds the state permitted penalty has expired, this must be reported.

<br> k. Georgia and New Jersey – Vendor will report the following loans:

<br> i. Mortgage loans subject to the Georgia Fair Lending Act and originated between October 1, 2002 and March 6, 2003.

<br> ii. Cash-out refinance mortgage loans originated between November 27, 2003 and July 5, 2004 that meet the definition of a "covered home loan" pursuant to the New Jersey Homeownership Security Act.

Business Purpose Loan submitted pursuant to this Exhibit and designed by Client as a Business Purpose Loan will be automatically deemed and

reported as "Exempt" and Recovco will not perform any ATR/QM Testing or TRID Testing.

#### Qualified Mortgage
With respect to QM (Safe Harbor and Higher-priced) designated loans, Recovco 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, Recovco 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, Recovco then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

The Review also includes determining, as applicable, whether a loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

#### General Ability to Repay
Recovco 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, Recovco will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

Recovco 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"). Recovco 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. Recovco's review is based on information contained in the loan file at the time it is provided to Recovco to review, and only reflects information as of that point in time.

### VALUATION REVIEW:

For each Mortgage Loan, Recovco performed Property Valuation Review Services in accordance with the following waterfall:

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

Other aspects of Recovco's review include (i) verifying that the address matched the mortgage note, (ii) noting whether the property zip code was declared a FEMA disaster area classified as IA (Individual Assistance) or IH (Individual and Household Assistance) after the valuation date and notifying the Client of same, (iii) confirming the appraisal report does not include any apparent environmental problems, (iv) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vi) confirming that the value product that was used as part of the origination decision conforms with rating agency requirements.

If more than one valuation was provided, Recovco will confirm consistency among the valuation products and if there are discrepancies that could not be resolved, Recovco will create an exception and work with the client on the next steps which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Recovco's review result in a variance of more than 10% then the client will be notified of such variance. If CU Score of 2.5 or less was allowed, then nothing further was required.

For each Mortgage Loan, Recovco will perform Property Valuation Review Services as indicated in the terms below:

1. **100% of the Loans:** Recovco will review the origination appraisal for the following items: (i) the age of the appraisal, (ii) verification of the property address, (iii) completeness and accuracy of the appraisal form, (iv) verification of the appraiser licensing, (v) the comparable sales analysis including age, distance, and adjustments, (vi) zoning concerns, (vii) appraisal was performed using approved forms, and (viii) made on an "as is" basis.

2. **Additional valuation:** Recovco will review the additional valuation provided from origination or ordered upon request: (i) the age of the valuation, (ii) verification of the property address, (iii) completeness and accuracy of the valuation form, (iv) the comparable sales analysis including age, distance, and adjustments, (v) zoning concerns, and (vi) made on an "as is" basis.

### NRSRO GRADING CRITERIA:

Upon completion of the loan file review, Recovco assigned grading which considered factors based on the review criteria, product, and NRSRO requirements.

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the following:

------

---

| | |
|:---|:---|
| **CREDIT EVENT GRADE** | **CREDIT EVENT GRADE** |
| **A** | The loan meets the published guidelines without exception or waiver. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. QM designation status has been confirmed. |
| **B** | The loan does not meet every applicable requirement of the underwriting guidelines; however, the majority of requirements are met, and strong compensating factors have been document in support of guideline exceptions. |
| **C** | The loan does not meet every applicable requirement of the underwriting guidelines due to limited, weak or no compensating factors to support the exception. Status of occupancy, employment, income and asset were not remedied or were remediated post-closing. Fully supported. Fraud was identified and/or credit document defects were not remedies or were remediated post-closing. Lender/aggregator QC designation was not confirmed. The loan file was not provided for review or not sufficiently document in order to complete the review. |
| **D** | The loan file was not provided for review or not sufficiently document in order to complete the review. |

---

---

| | |
|:---|:---|
| **REGULATORY COMPLIANCE EVENT GRADE** | **REGULATORY COMPLIANCE EVENT GRADE** |
| **A** | 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. The loan has met ATR standards as documented by the originator and if applicable has been verified as a qualified mortgage. |
| **B** | Identified exceptions have been determined to be non-material and will not impact the enforceability of the loan and/or remediation of material defects has taken place and the remediated exception will not impact the ability to foreclose. All cures are fully and appropriately documented. |
| **C** | The loan does not meet every ATR standards, is missing required disclosures or contains inaccurate disclosures which have not been/cannot be remediated and/or a benefit to the borrower cannot be determined. The agreed upon loan terms do not align to legal documents and/or legal documents were not appropriately executed. |
| **D** | The loan file was not provided for review or not sufficiently document in order to complete the review. |

---

---

| | |
|:---|:---|
| **VALUATION EVENT GRADE** | **VALUATION EVENT GRADE** |
| **A** | Value is supported and within 10.00% of the original appraised value, the property is 100% complete and property and valuation meet the required underwriting guidelines. |
| **B** | The property is complete but may require minor repairs that do not affect the habituality, marketability or value or allowable incomplete repairs are supplemented with a builder holdback agreement as required by underwriting guidelines. |
| **C** | Value is not supported within 10.00% of the original appraised value, the subject property constructions is not complete and/or appraisal was not on an as-is basis and final inspection is not documented. The appraisal was not conducted on an approved form and/or appraiser was not appropriately licensed. |
| **D** | The file was missing the appraisal or there was insufficient valuation documentation to perform a review. |

---

---

| | |
|:---|:---|
| **OVERALL EVENT GRADE** | **OVERALL EVENT GRADE** |
| **A** | Loan meets Credit, Compliance, and Valuation guidelines and has sufficient accuracy and completeness of data to conduct a thorough review. |
| **B** | The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit; is in material compliance with all applicable laws and regulations; and the value and valuation methodology are supported and substantially meet 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 an adequate review. |

---

------

---

| | | |
|:---|:---|:---|
| **Overall Grade Summary** | | |
| **NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 539 | 88.65% |
| B | 69 | 11.35% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Compliance Grade Summary** |  |  |
| **NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 592 | 97.37% |
| B | 16 | 2.63% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Credit Grade Summary** |  |  |
| **NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 556 | 91.45% |
| B | 52 | 8.55% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Property Grade Summary** |  |  |
| **NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 600 | 98.68% |
| B | 8 | 1.32% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

### Tape Discrepancies

No discrepancies noted

------

### Pool Details

---

| | | |
|:---|:---|:---|
| **Loan Type** | **Loan Type** | **Loan Type** |
| Type | Count | % of Pool |
| Non-Conforming | 608 | 100.00% |
| Conforming-GSE Eligible | 0 | 0.00% |
| **Total** | **608** | **100.00%** |

---

---

| | | | |
|:---|:---|:---|:---|
| **Product Type** | **Product Type** | | |
| Type | Count | Count | % of Pool |
| Fixed |  | 391 | 64.31% |
| ARM |  | 217 | 35.69% |
| **Total** |  | **608** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Occupancy** | **Occupancy** | **Occupancy** |
| Type | Count | % of Pool |
| Primary Residence | 106 | 17.43% |
| Second Home | 4 | 0.66% |
| Investment Property | 498 | 81.91% |
| **Total** | **608** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Property Type** | **Property Type** | **Property Type** |
| Type | Count | % of Pool |
| Single Family Detached | 349 | 57.40% |
| Townhouse | 4 | 0.66% |
| Condo, Low Rise | 45 | 7.40% |
| Condo, High Rise | 10 | 1.64% |
| PUD | 92 | 15.13% |
| 1 Family Attached | 4 | 0.66% |
| 2 Family | 53 | 8.72% |
| 3 Family | 22 | 3.62% |
| 4 Family | 25 | 4.11% |
| dPUD | 2 | 0.33% |
| Condotel | 1 | 0.16% |
| Unavailable | 1 | 0.16% |
| **Total** | **608** | **99.99%** |

---

---

| | | |
|:---|:---|:---|
| **Purpose** | **Purpose** | **Purpose** |
| Type | Count | % of Pool |
| Cash out Refi | 282 | 46.38% |
| Purchase | 276 | 45.39% |
| Rate / Term Refi | 50 | 8.22% |
| **Total** | **608** | **100.00%** |

---

------

---

| | | |
|:---|:---|:---|
| **Interest Rate** | **Interest Rate** | **Interest Rate** |
| Type | Count | % of Pool |
| 3.000 - 3.499 | 5 | 0.82% |
| 3.500 - 3.999 | 33 | 5.43% |
| 4.000 - 4.499 | 102 | 16.78% |
| 4.500 - 4.999 | 210 | 34.54% |
| 5.000 - 5.499 | 138 | 22.70% |
| 5.500 - 5.999 | 86 | 14.14% |
| 6.000 - 6.499 | 24 | 3.95% |
| 6.500 - 6.999 | 8 | 1.32% |
| 7.000 - 7.499 | 2 | 0.33% |
| 7.500 - 7.999 | 0 | 0.00% |
| 8.000 - 8.499 | 0 | 0.00% |
| 8.500 - 8.999 | 0 | 0.00% |
| 9.000 - 9.499 | 0 | 0.00% |
| **Total** | **608** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **DTI** | **DTI** | **DTI** |
| Type | Count | % of Pool |
| 0.00-20.00 | 513 | 84.38% |
| 20.01-30.00 | 20 | 3.29% |
| 30.01-40.00 | 27 | 4.44% |
| 40.01-50.00 | 43 | 7.07% |
| 50.01-55.00 | 5 | 0.82% |
| **Total** | **608** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **QM Type** | **QM Type** | **QM Type** |
| Type | Count | % of Pool |
| Non-QM/Compliant | 112 | 18.42% |
| Not Covered/Exempt | 496 | 81.58% |
| **Total** | **608** | **100.00%** |

---

------

### Loans Reviewed (608)

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| 9036025078 | 9036026293 | 9032026065 | 9038016279 | 9036025778 | 9036026113 | 9036025110 |
| 9036025137 | 9036026241 | 9032026066 | 9038016280 | 9036025760 | 9036026120 | 9036025148 |
| 9036025056 | 9036026304 | 9032026067 | 9038016275 | 9036025702 | 9036026153 | 9036025154 |
| 9036025055 | 9036025341 | 9032026068 | 9038026268 | 9036025799 | 9036026155 | 9036025113 |
| 9036025079 | 9036026320 | 9032026069 | 9038016274 | 9036025789 | 9036026157 | 9036025088 |
| 9036025087 | 9036026309 | 9032026070 | 9038026267 | 9036025712 | 9036026102 | 9036025089 |
| 9036025129 | 9036026303 | 9032026074 | 9041026561 | 9036025705 | 9036026154 | 9036025072 |
| 9036025127 | 9036026290 | 9032026075 | 9041026564 | 9036025726 | 9036026145 | 9036025071 |
| 9036025135 | 9036026314 | 9032026077 | 9041026565 | 9036025731 | 9036026141 | 9036025130 |
| 9036025061 | 9036026299 | 9032026078 | 9041026568 | 9036025723 | 9036026171 | 9036025104 |
| 9036025062 | 9036025314 | 9032026080 | 9041026569 | 9036025774 | 9036026132 | 9036025092 |
| 9036025054 | 9036026291 | 9032026083 | 9041026570 | 9036025725 | 9036026104 | 9036025119 |
| 9036025081 | 9036026322 | 9032026086 | 9041026571 | 9036025787 | 9036026167 | 9036025140 |
| 9036025053 | 9036025330 | 9032026088 | 9041026572 | 9036025802 | 9036026109 | 9036025132 |
| 9036025149 | 9036025220 | 9032026091 | 9041026574 | 9036025800 | 9036026156 | 9036025101 |
| 9036025058 | 9036026295 | 9032026094 | 9032025647 | 9036025780 | 9036026124 | 9036025150 |
| 9036025126 | 9036026318 | 9032026096 | 9036025767 | 9036025759 | 9036026112 | 9036025052 |
| 9036025138 | 9036025340 | 9032026349 | 9036025695 | 9036025693 | 9036026130 | 9036025115 |
| 9036025114 | 9036026294 | 9032026352 | 9036025806 | 9036025709 | 9036026117 | 9036025156 |
| 9036025059 | 9036025342 | 9032026354 | 9036025707 | 9032019429 | 9036026148 | 9036025136 |
| 9036025069 | 9036026296 | 9032026356 | 9036025716 | 9032019442 | 9036026149 | 9036025141 |
| 9036025091 | 9036025328 | 9032026359 | 9036025701 | 9032019397 | 9036026101 | 9036025096 |
| 9036025068 | 9036026321 | 9032026364 | 9036025761 | 9032019434 | 9036026173 | 9036025103 |
| 9036025116 | 9036026317 | 9032026365 | 9036025699 | 9032019424 | 9036026164 | 9036025098 |
| 9036025067 | 9036026324 | 9032026366 | 9036025714 | 9032019407 | 9036026150 | 9036025060 |
| 9036025094 | 9036026297 | 9032026367 | 9036025743 | 9032019395 | 9036026121 | 9036025086 |
| 9036025117 | 9036025329 | 9032026369 | 9036025808 | 9032020215 | 9036026138 | 9036025085 |
| 9036025099 | 9036026323 | 9032026370 | 9036025801 | 9032020174 | 9036026118 | 9036025121 |
| 9036025097 | 9036025323 | 9032026373 | 9036025741 | 9032020189 | 9036026133 | 9036025066 |
| 9036025112 | 9036026312 | 9032026375 | 9036025733 | 9032019737 | 9036026100 | 9011025912 |
| 9036025124 | 9036026327 | 9032026379 | 9036025791 | 9032019757 | 9036026126 | 9011025995 |
| 9036025189 | 9032026011 | 9032026380 | 9036025755 | 9032019761 | 9036026135 | 9011026000 |
| 9036025244 | 9032026017 | 9032026381 | 9036025710 | 9032019764 | 9036026131 | 9036026235 |
| 9036023959 | 9032026021 | 9032026382 | 9036025798 | 9032020317 | 9036026116 | 9036026240 |
| 9036025172 | 9032026022 | 9032026383 | 9036025742 | 9032020330 | 9036026137 | 9036026226 |
| 9036025208 | 9032026026 | 9032026384 | 9036025786 | 9032020334 | 9036026174 | 9036026256 |
| 9036025191 | 9036025202 | 9032026387 | 9036025805 | 9032020346 | 9036024387 | 9036026242 |
| 9036025188 | 9036025180 | 9032026388 | 9036025720 | 9032020905 | 9036026134 | 9036026230 |
| 9036025216 | 9036025215 | 9032026389 | 9036025704 | 9032020919 | 9036026119 | 9036026215 |

---

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---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| 9036025209 | 9036025248 | 9032026390 | 9036025763 | 9032020922 | 9036026105 | 9036026228 |
| 9036025166 | 9036025177 | 9032026392 | 9036025784 | 9036020738 | 9036026152 | 9036026244 |
| 9036021179 | 9036025198 | 9032026393 | 9036025739 | 9036020740 | 9036026170 | 9036026264 |
| 9036025226 | 9036025207 | 9032026394 | 9036025790 | 9032024388 | 9036026107 | 9036026225 |
| 9036025243 | 9036025163 | 9032026399 | 9036025772 | 9032024397 | 9036026158 | 9036026221 |
| 9036025175 | 9036025164 | 9032025600 | 9036025771 | 9032024419 | 9036025014 | 9036026250 |
| 9036025197 | 9036025161 | 9032025645 | 9036025804 | 9032024422 | 9036025007 | 9036026258 |
| 9036025249 | 9036025168 | 9032025615 | 9036025718 | 9032024423 | 9036024981 | 9036026224 |
| 9036025237 | 9036025167 | 9032025646 | 9036025717 | 9032024426 | 9036025041 | 9036026259 |
| 9036025227 | 9036025205 | 9032025638 | 9036025724 | 9032024429 | 9036025030 | 9036026246 |
| 9036025169 | 9036025190 | 9032025609 | 9036025795 | 9032024430 | 9036025023 | 9036026253 |
| 9036025218 | 9036025213 | 9032025631 | 9036025794 | 9032024444 | 9036025047 | 9036026234 |
| 9036025238 | 9036025231 | 9032025624 | 9036025696 | 9032024445 | 9036025006 | 9036026219 |
| 9036025203 | 9036025212 | 9032025641 | 9036025708 | 9032024448 | 9036024980 | 9036026262 |
| 9036025217 | 9036025170 | 9011025338 | 9036025711 | 9036024361 | 9036024971 | 9036026231 |
| 9036025171 | 9036025200 | 9032026400 | 9036025783 | 9036024411 | 9036025013 | 9036026223 |
| 9036025206 | 9036025214 | 9032026401 | 9036025740 | 9036024404 | 9036025015 | 9036026233 |
| 9036025221 | 9036025199 | 9032026403 | 9036025809 | 9036024368 | 9036025022 | 9036026217 |
| 9036025219 | 9036025173 | 9032026406 | 9036025777 | 9036024399 | 9036025037 | 9036026255 |
| 9036025222 | 9036025176 | 9032026409 | 9036025781 | 9036024366 | 9036025034 | 9038025846 |
| 9036025192 | 9036025159 | 9032026411 | 9036025773 | 9036024395 | 9036025042 | 9038025824 |
| 9036025210 | 9036025183 | 9032026414 | 9036025765 | 9036024397 | 9036025026 | 9038025812 |
| 9036025225 | 9036023889 | 9032026417 | 9036025734 | 9036024372 | 9036025045 | 9038025862 |
| 9038025943 | 9036025223 | 9032026420 | 9036025766 | 9036024402 | 9036024982 | 9038025865 |
| 9038025949 | 9036023892 | 9032026423 | 9036025691 | 9036024358 | 9036025019 | 9038025821 |
| 9038025936 | 9036025184 | 9032026424 | 9036025746 | 9036024383 | 9036025012 | 9038025849 |
| 9038025937 | 9036023970 | 9032026425 | 9036025797 | 9036024412 | 9036025020 | 9038025931 |
| 9038025945 | 9036025185 | 9032026430 | 9036025730 | 9036024413 | 9036025025 | 9038025866 |
| 9038025930 | 9036025187 | 9032026433 | 9036025758 | 9036024376 | 9036025004 | 9038025948 |
| 9038023826 | 9036025229 | 9032026438 | 9036025788 | 9036024392 | 9036024996 | 9038025856 |
| 9038023829 | 9036025246 | 9032026440 | 9036025727 | 9036024385 | 9036025036 | 9038025813 |
| 9038023814 | 9036025230 | 9032026442 | 9036025737 | 9036024407 | 9036025002 | 9038025870 |
| 9038023808 | 9036025224 | 9032026443 | 9036025700 | 9036025031 | 9036025016 | 9038025814 |
| 9038023828 | 9032026027 | 9041026463 | 9036025735 | 9036025010 | 9036025001 | 9038025861 |
| 9038023807 | 9032026030 | 9036026536 | 9036025706 | 9036025011 | 9036025107 | 9038025844 |
| 9038023815 | 9032026032 | 9036026542 | 9036025703 | 9036025009 | 9036025128 | 9038025947 |
| 9038023830 | 9032026035 | 9036026529 | 9036025754 | 9036025008 | 9036025077 | 9038025868 |
| 9038023836 | 9032026037 | 9036026319 | 9036025694 | 9036025803 | 9036025070 | 9038025847 |
| 9038023812 | 9032026038 | 9036026539 | 9036025807 | 9036025721 | 9036025095 | 9038025818 |
| 9038023831 | 9032026040 | 9036026530 | 9036025750 | 9036025769 | 9036025080 | 9038025935 |
| 9038023833 | 9032026044 | 9036026541 | 9036025744 | 9036026160 | 9036025075 | 9038025939 |
| 9038023837 | 9032026045 | 9036026540 | 9036025745 | 9036026151 | 9036025147 | 9038025950 |

---

------

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| 9036025028 | 9032026047 | 9036026543 | 9036025810 | 9036026162 | 9036025063 | 9038025941 |
| 9036025033 | 9032026056 | 9036026533 | 9036025692 | 9036026125 | 9036025120 | 9036026531 |
| 9036025005 | 9032026058 | 9036026537 | 9036025793 | 9036024357 | 9036025143 | 9038016277 |
| 9036025343 | 9032026061 | 9036025308 | 9036025697 | 9036026168 | 9036025051 | 9036025134 |
| 9036026310 | 9032026062 | 9036026545 | 9036025747 | 9036026103 | 9036025106 | 9036025131 |
| 9036026307 | 9032026063 | 9036025290 | 9032026064 | 9036026142 | 9036025064 |  |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com.

## Exhibit 99.4

#### Rating Agency Grading

#### Run Date - 4/18/2022

---

| | | | | |
|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Recovco Loan ID** | **Loan #1** | **Loan #2** | **Alt Loan ID** | **Original Loan Amount** |
| XXXXXX | XXXXXX | XXXXXX | 54920251114039 | $XXX,XXX.XX<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114045 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114064 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114066 | $XXX,XXX.XX<br> B<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114072 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114079 | $XXX,XXX.XX<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114080 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114083 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114086 | $XXX,XXX.XX<br> A<br> D<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114097 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114101 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114111 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114139 | $XXX,XXX.XX<br> A<br> B<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114147 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114181 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114195 | $XXX,XXX.XX<br> A<br> D<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114210 | $XXX,XXX.XX<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114217 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114220 | $XXX,XXX.XX<br> B<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114222 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114233 | $XXX,XXX.XX<br> D<br> B<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114237 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114263 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114267 | $XXX,XXX.XX<br> A<br> D<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114293 | $XXX,XXX.XX<br> A<br> D<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114298 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114302 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114305 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114322 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114332 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114017 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114441 | $XXX,XXX.XX<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114461 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114467 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114477 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114480 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114481 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114485 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114486 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114488 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114490 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114494 | $XXX,XXX.XX<br> B<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114495 | $XXX,XXX.XX<br> B<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114497 | $XXX,XXX.XX<br> B<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114500 | $XXX,XXX.XX<br> B<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114501 | $XXX,XXX.XX<br> B<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114506 | $XXX,XXX.XX<br> B<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114518 | $XXX,XXX.XX<br> B<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114519 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114521 | $XXX,XXX.XX<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114536 | $XXX,XXX.XX<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114541 | $XXX,XXX.XX<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114543 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114548 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114029 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114030 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114031 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114032 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114033 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114034 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114035 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114036 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114037 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114038 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114040 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114041 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114042 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114043 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114044 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114046 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114047 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114048 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114049 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114050 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114051 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114052 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114053 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114054 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114055 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114056 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114057 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114058 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114059 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114060 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114061 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114062 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114063 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114065 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114067 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114068 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114069 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114070 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114071 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114073 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114074 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114075 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114076 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114077 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114078 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114081 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114082 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114084 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114085 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114087 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114088 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114089 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114090 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114091 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114092 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114093 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114094 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114095 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114096 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114098 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114099 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114100 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114102 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114103 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114104 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114105 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114106 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114107 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114108 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114109 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114110 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114112 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114113 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114114 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114115 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114116 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114117 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114118 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114119 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114120 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114121 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114122 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114123 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114124 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114125 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114126 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114127 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114128 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114129 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114130 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114131 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114132 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114133 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114134 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114135 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114136 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114137 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114138 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114140 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114141 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114142 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114143 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114144 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114145 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114146 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114148 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114149 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114150 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114151 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114152 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114153 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114154 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114155 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114156 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114157 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114158 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114159 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114160 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114161 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114162 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114163 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114164 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114165 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114166 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114167 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114168 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114169 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114170 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114171 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114172 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114001 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114173 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114174 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114175 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114176 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114177 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114178 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114179 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114180 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114182 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114183 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114184 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114185 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114186 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114187 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114188 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114189 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114002 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114190 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114191 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114192 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114193 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114194 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114196 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114197 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114198 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114199 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114200 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114201 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114202 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114203 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114204 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114205 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114206 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114207 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114208 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114209 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114211 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114212 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114213 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114214 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114215 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114216 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114218 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114219 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114221 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114223 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114224 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114225 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114226 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114227 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114228 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114229 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114230 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114231 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114232 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114234 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114235 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114236 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114238 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114239 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114003 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114240 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114241 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114242 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114243 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114244 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114245 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114246 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114247 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114248 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114249 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114250 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114251 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114252 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114253 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114254 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114255 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114256 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114257 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114258 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114259 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114260 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114261 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114262 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114264 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114265 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114266 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114268 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114269 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114270 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114271 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114004 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114272 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114273 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114274 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114275 | $XXX,XXX.XX<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114276 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114277 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114278 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114279 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114280 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114281 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114282 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114283 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114284 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114285 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114286 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114287 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114288 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114289 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114290 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114005 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114291 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114292 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114294 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114295 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114296 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114297 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114299 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114300 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114301 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114303 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114304 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114306 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114307 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114308 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114309 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114310 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114311 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114312 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114313 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114314 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114315 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114316 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114317 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114318 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114319 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114006 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114320 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114007 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114321 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114323 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114324 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114325 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114326 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114327 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114328 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114329 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114330 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114008 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114331 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114333 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114334 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114335 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114336 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114337 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114338 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114339 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114340 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114341 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114342 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114343 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114344 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114345 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114346 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114347 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114348 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114349 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114350 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114351 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114352 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114353 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114354 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114355 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114009 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114010 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114356 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114011 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114357 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114012 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114358 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114359 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114013 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114360 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114361 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114014 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114362 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114363 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114364 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114365 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114366 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114367 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114368 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114369 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114370 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114371 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114372 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114373 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114374 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114015 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114375 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114376 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114377 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114378 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114379 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114380 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114381 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114382 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114383 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114384 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114385 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114386 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114387 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114388 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114389 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114390 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114391 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114392 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114016 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114393 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114394 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114395 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114396 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114028 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114397 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114398 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114399 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114400 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114401 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114402 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114403 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114404 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114018 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114019 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114405 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114406 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114407 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114408 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114409 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114410 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114411 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114412 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114413 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114414 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114415 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114020 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114026 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114416 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114417 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114418 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114419 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114420 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114421 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114422 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114027 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114423 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114424 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114425 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114426 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114427 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114428 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114429 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114430 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114431 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114432 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114021 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114433 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114434 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114022 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114435 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114436 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114437 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114438 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114439 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114440 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114442 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114443 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114444 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114023 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114445 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114446 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114447 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114448 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114024 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114449 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114450 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114451 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114452 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114453 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114454 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114455 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114025 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114456 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114457 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114458 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114459 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114460 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114462 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114463 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114464 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114465 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114466 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114468 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114469 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114470 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114471 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114472 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114473 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114474 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114475 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114476 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114478 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114479 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114482 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114483 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114484 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114487 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114489 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114491 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114492 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114493 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114496 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114498 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114499 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114502 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114503 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114504 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114505 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114507 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114508 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114509 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114510 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114511 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114512 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114513 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114514 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114515 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114516 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114517 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114520 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114522 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114523 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114524 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114525 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114526 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114527 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114528 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114529 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114530 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114531 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114532 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114533 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114534 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114535 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114537 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114538 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114539 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114540 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114542 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114544 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114545 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114546 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114547 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114554 | $XXX,XXX.XX<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114555 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114557 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114558 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114559 | $XXX,XXX.XX<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114562 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114571 | $XXX,XXX.XX<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114572 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114573 | $XXX,XXX.XX<br> B<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114574 | $XXX,XXX.XX<br> B<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114591 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114592 | $XXX,XXX.XX<br> B<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114600 | $XXX,XXX.XX<br> D<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920251114604 | $XXX,XXX.XX<br> B<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114608 | $XXX,XXX.XX<br> B<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114550 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114551 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114552 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114553 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114556 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114560 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114549 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114561 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114563 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114564 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114565 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114566 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114567 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114568 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114569 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114570 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114575 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114576 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114577 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114578 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114579 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114580 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114581 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114582 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114583 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114584 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114585 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114586 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114587 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114588 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114589 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114590 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114593 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114594 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114595 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114596 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114597 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114598 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114599 | $XXX,XXX.XX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920251114601 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114602 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114603 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114605 | $XXX,XXX.XX<br> D<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114606 | $XXX,XXX.XX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920251114607 | $XXX,XXX.XX<br> A |

---

## Exhibit 99.4

#### Loan Level Exceptions

#### Run Date - 4/18/2022

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Recovco Loan ID** | **Loan #1** | **Loan #2** | **Alt Loan ID** | **Project Name** | **Initial Overall Grade** | **Final Overall Grade** | **Initial Credit** | **Initial Value** | **Initial Compliance** | **Final Credit** | **Final Value** | **Final Compliance** | **Non-Material Exceptions** | **Resolved Exceptions** | **Acknowledged Exceptions** |
| XXXXXX | XXXXXX | XXXXXX | 54920251114029 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114030 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114031 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114032 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114033 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114034 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114035 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114036 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114037 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114038 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: The guidelines on page 12 state when only one full appraisal is required and the CU score ≥ 2.5 or there is no CU score: A Clear Capital CDA (or similar) supporting the appraised value within 10%. If the CDA comes in ≥ 10% below the appraised value, then a field review ordered from a provider approved by theLender is required. The loan file is missing a secondary valuation supporting the appraised value.<br>\*\*\* (CURED) Borrower(s) Months Reserves Requirement (Fail) - EV R<br> COMMENT: The Matrix dated 10/25/2021 on page 1 requires 6 months of PITI for a cash-out refinance. The lock form on page 867 shows a cash-out refinance transaction. The loan file required $10,093.02 in verified assets. The loan file did not contain any asset documentation and the HUD reflects $0 cash back at closing to the borrower.<br>\*\*\* (CURED) Borrower(s) Reserves Requirement (Fail) - EV R<br> COMMENT: The Matrix dated 10/25/2021 on page 1 requires 6 months of PITI for a cash-out refinance. The lock form on page 867 shows a cash-out refinance transaction. The loan file required $10,093.02 in verified assets. The loan file did not contain any asset documentation and the HUD reflects $0 cash back at closing to the borrower. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114039 | XXXXXX | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV B<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114040 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114041 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114042 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Borrower(s) Rental Loss Insurance Requirement (Fail) - EV R<br> COMMENT: The guidelines, section 3.1, states that the hazard insurance must include rent loss insurance equal to 6 months of the average monthly rents. The hazard insurance policy included in the file does not include rent loss insurance. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114043 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The guidelines, section 14.3.1 Refinance requires lease agreements if the appraisal reflects the subject as tenant occupied. The appraisal reflects the subject is tenant occupied with a months rent of $X,XXX.XX for unit 3; however, the file does not include a copy of the lease agreement for unit 3, also the lease agreement that is included for unti 2 is expired. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114044 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114045 | XXXXXX | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Credit history insufficient/does not meet guidelines (ATR) - EV B<br> COMMENT: The guidelines, section 10.1, states that the credit report is required to establish seasoning of trade lines to meet minimum guidelines and the credit score. The credit report is missing from the loan file and could not be used to verify the credit history. | \*\*\* (CURED) Missing credit report - EV R<br> COMMENT: The guidelines, section 10.1, states that the credit report is required to establish seasoning of trade lines to meet minimum guidelines and the credit score. The credit report is missing from the loan file. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114046 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114047 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114048 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114049 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Application Missing - EV R<br> COMMENT: The initial and the final loan application are missing from the file. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114050 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114051 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114052 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The loan amount is $XXX,XXX and the title insurance amount is $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114053 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The title insurance reflects an insured amount of $XXX,XXX, which is less than the loan amount of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114054 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The loan amount is $XXX,XXX and the title insurance amount is $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114055 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Borrower(s) Rental Loss Insurance Requirement (Fail) - EV R<br> COMMENT: The loan file was missing documentation of 6 months' Rental Insurance coverage. The Insurance Certificate, page 323, provided only $X,XXX Additional Living Expense coverage. Provide documentation of 6 months loss of rents coverage required under Guidelines Sec. 3.1 for review.<br>\*\*\* (CURED) Property Issues indicated - EV R<br> COMMENT: The Appraisal reflects all characteristics that classify the subject property as a Condotel, an ineligible property type under Guidelines Sec. 5.3. The HOA Insurance certificate, page 1066, insures a Hotel Without Restaurant. Provide a detailed description of the property use from the Appraiser for review.<br>\*\*\* (CURED) Property Type does not meet eligibility requirement(s) - EV R<br> COMMENT: The Appraisal reflects all characteristics that classify the subject property as a Condotel, an ineligible property type under Guidelines Sec. 5.3. The HOA Insurance certificate, page 1066, insures a Hotel Without Restaurant. Provide a detailed description of the property use from the Appraiser for review.<br>\*\*\* (CURED) Title issue - EV R<br> COMMENT: The Title Commitment reports the subject property is vested in "XXX XX, XXX," the borrower's XXX. The Note and Mortgage are given by Gabriel Suarez, a single man. Provide the deed transferring the property to the borrower/mortgagor individually for review. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114056 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Mortgage history for primary residence less than 12 months - EV R<br> COMMENT: The guidelines section 10.6 requires housing history ratings must be obtained for the subject property and the borrower's primary residence. The file is missing evidence of the borrower's primary residence payment history |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114057 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The mortgage amount is $XXX,XXX and the title insurance amount is $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114058 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114059 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114060 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Borrower(s) Months Reserves Requirement (Fail) - EV R<br> COMMENT: Per guidelines, 6 months reserves required. Assets in file documented at $XXXX.XX, which is 2 months reserves. Missing additional asset documentation for sufficient reserves.<br>\*\*\* (CURED) Borrower(s) Reserves Requirement (Fail) - EV R<br> COMMENT: Per guidelines, 6 months reserves required. Assets in file documented at $4901.6, which is 2 months reserves. Missing additional asset documentation for sufficient reserves. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114061 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114062 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) HUD-1 Closing Statement missing or unsigned - EV R<br> COMMENT: File did not contain a HUD-1 Closing Statement.<br>\*\*\* (CURED) Not all borrowers signed HUD - EV R<br> COMMENT: File did not contain a HUD-1 Closing Statement. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114063 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114064 | XXXXXX | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Borrower(s) LTV Requirement (Fail) - EV B<br> COMMENT: Investor cash flow matrix shows that max loan to value for a rural property is 70%. Appraisal on page 3 shows that the subject property is in a rural area. LTV was calculated using the appraised value of $XXX,XXX and loan amount of $XXX,XXX for a loan to value of 75% which is 5% over maximum. |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114065 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114066 | XXXXXX | 3 | 2 | 2 | 1 | 3 | 2 | 1 | 1 | \*\*\* (OPEN) Loan does not conform to program guidelines - EV B<br> COMMENT: Per NONI Guideline gift fund must be from a relative on the Non-QHEM Products. (Pg. 669) Exception was approved for using gift funds from employer based on XXXX GLS for employer gifts. Total gift funds received from employer $XX,XXX.XX. The gift is about 10% of the purchase price and the borrower is bringing in the other 25% down payment from own funds. LTV 65%. Approval date XX/XX/XXXX. | \*\*\* (CURED) Missing evidence of TRID Disclosure Delivery - EV R<br> COMMENT: This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))<br> Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required.<br>\*\*\* (CURED) TRID CD at consummation - EV R<br> COMMENT: The file does not contain evidence that a CD was provided on the day the mortgage was signed and notarized. The last CD available in the file was issued on XX/XX/XXXX and received by the consumer on XX/XX/XXXX. If a CD was provided at consummation, provide for testing. If CD was received electronically, please provide evidence of receipt as well as the e-Consent. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114067 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114068 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Borrower(s) Rental Loss Insurance Requirement (Fail) - EV R<br> COMMENT: Per the NONI guidelines effective on 10/25/21, section 3.1, rent loss coverage is required in the amount of 6 months or $XX,XXX, using the leased rent of $X,XXX. The file included evidence of homeowners insurance located on page 200 reflecting rent loss coverage of $XX,XXX. The rent loss coverage is short by $XX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114069 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114070 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114071 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114072 | XXXXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 | \*\*\* (OPEN) DTI (Back) Ratio does not meet eligibility requirement(s) - EV B<br> COMMENT: (Pg. 732) Loan Approval/Exception as of XX/XX/XXXX. Cash-Out refinance max DTI is 50%, Exception requested to increase to 51.62% due to customer not wanting to go any lower with LTV. Compensation Factors: LTV Low, Credit is good, Has been in business over 5 years. Lender DTI 50.814%. Lender miscalculated monthly Interest Only payment based on 40 year term with a monthly P&I Payment $X,XXX.XX and miscalculated other monthly debts $X,XXX.XX (pg. 93 of 117) Underwriting Guidelines . A 40 year term loan would qualify based on a 30 year term. Audit recalculated monthly P&I payment $X,XXX.XX and recalculated other debts from credit report. Other debt monthly payment $X,XXX.XX. Audit DTI 57.27% exceeds max DTI 50% and Exception DTI 51.62%. | \*\*\* (CURED) ComplianceEase TILA Test Failed - EV R<br> COMMENT: The loan failed the Right of Rescission test. The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation took place on XX/XX/XXXX and per the last revised CD/PCCD issued on XX/XX/XXXX, the loan disbursed on XX/XX/XXXX. Loan could not disburse until after the end of the rescission period; rescission ended on XX/XX/XXXX. The defect can be cured by providing the true funding date. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114073 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114074 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The title insurance is $XX,XXX but the loan amount is $XXX,XXX, the title insurance does not cover the total loan amount. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114075 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114076 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The Title reflects $XXX,XXX.XX in title insurance, the loan amount is $XXX,XXX.XX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114077 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Income documentation does not meet guidelines - EV R<br> COMMENT: Missing copy of lease agreement. Per guidelines, copy of lease is required for a refinance when property is tenant occupied. Per Appraisal, property is tenant occupied. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114078 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114079 | XXXXXX | 2 | 2 | 1 | 2 | 2 | 1 | 2 | 2 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV B<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements.<br>\*\*\* (OPEN) Property value and predominant value vary by more than 50% - EV 2<br> COMMENT: Entered exactly per the appraisal, with a CU score of 1.0 with Low risk |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114080 | XXXXXX | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Borrower(s) LTV Requirement (Fail) - EV B<br> COMMENT: Per guidelines, maximum LTV on a purchase for DSCR<1.0 is 75%. LTV of 80% exceeds guidelines.<br>\*\*\* (OPEN) Original CLTV does not meet eligibility requirement(s) - EV 2<br> COMMENT: 80% LTV/CLTV exceeds 75% LTV/CLTV per guidelines, for a purchase with a DSCR<1.0. DSCR (DSCR is .931%)<br>\*\*\* (OPEN) Original LTV (OLTV) does not meet eligibility requirement(s) - EV 2<br> COMMENT: 80% LTV exceeds 75% LTV per guidelines, for a purchase with a DSCR<1.0. DSCR (DSCR is .931%) |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114081 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The guidelines, section 5.7.4. states that a certificate of good standing is required for corporations. The certificate of good standings is missing from the loan file. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114082 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The guidelines, section 6.1.1, states that the general requirements for a condo is a copy of the master property insurance and the master liability insurance. The master property insurance and the master liability insurance are missing from the loan file, please provide both of these policies. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114083 | XXXXXX | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Mortgage history for primary residence less than 12 months - EV B<br> COMMENT: The guidelines section 10.6 requires housing history ratings must be obtained for the subject property and the borrower's primary residence. The file is missing evidence of the borrower's primary residence payment history. |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114084 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114085 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114086 | XXXXXX | 3 | 2 | 1 | 1 | 3 | 1 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV B<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements. | \*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: This loan failed the charges that in total cannot increase more than 10%. Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures delivered timely.<br>This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely.<br>This loan failed the lender credits that cannot decrease. Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosure was delivered timely.<br>\*\*\* (CURED) Homeownership Counseling List - EV R<br> COMMENT: The Homeownership Counseling Disclosure (HOC) dated 9/23/21 was not disclosed within 3 days of the application date, 9/16/21. The defect can be resolved by providing evidence that shows the disclosure was provided within 3-business days of application.<br>\*\*\* (CURED) TRID- Initial LE timing fail - EV R<br> COMMENT: The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure.<br>\*\*\* (CURED) TRID- SPL late - EV R<br> COMMENT: The Service Provider List issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. As a result, fees that the borrower could shop for were tested under 10% tolerance. The defect can be resolved by providing the SPL that was provided to the consumer within 3 business days of application. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114087 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114088 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Loan does not conform to program guidelines - EV R<br> COMMENT: The investor cash flow matrix states that first time home buyers are not eligible. The 1003 page 130 indicates borrower has had ownership interest in a property within the last 3 years however, there are no mortgages on credit report, no list of property owned on the 1003 and no supporting documents in the loan file. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114089 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The guidelines, section 5.7.3, states that the articles of organization are required for an XXX. The articles of organization are missing from the loan file. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114090 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114091 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114092 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114093 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114094 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Borrower(s) Hazard Insurance Requirements (Fail) - EV R<br> COMMENT: The guidelines, section 3.1.2 requires insurance coverage must be equal to 100% of the insurable value of the improvements as established by the insurer or coverage amounts as determined by estimate of new cost calculation from a full appraisal. The file included evidence of insurance located on page 225, reflecting total coverage amount of $XXX,XXX. The file did not include evidence of the reconstruction cost estimate. The appraisal, located in the Original file reflects the cost new as $XXX,XXX. The evidence of insurance is short, required coverage in the amount of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114095 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114096 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The guidelines, section 5.7.3, states that a certificate of good standing is required for a LLC. The certificate of good standing is missing from the loan file. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114097 | XXXXXX | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Mortgage history for primary residence less than 12 months - EV B<br> COMMENT: Borrower sold previous residence i(XXXX XXX XXXXXX, XXXXXXXXXXXX,XX) in XX/XXXX, settlement statement for sale on page 536. Since moving to CT, borrower has been living with a relative/friend until purchasing the subject. Missing 3 months rental history as per approval dated XX/XX/XXXX. | \*\*\* (CURED) Credit history insufficient/does not meet guidelines (ATR) - EV R<br> COMMENT: The credit report is missing.<br>\*\*\* (CURED) Missing credit report - EV R<br> COMMENT: Missing credit report |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114098 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114099 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114100 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114101 | XXXXXX | 3 | 2 | 3 | 1 | 3 | 1 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV B<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements. | \*\*\* (CURED) Cash reserves less than required by guidelines - EV R<br> COMMENT: Minimum of 3 months reserves required, only 0.27 months verified in file. 1008 states using cash out from investment property refinance for closing costs; no evidence of the cash out in file. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114102 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Final 1003 is Missing - EV R<br> COMMENT: The final 1003 for XXXXX (page 77) and XXXXXXXXX (page 80) were executed by XXXXXX, borrower 1. All of the documents in the file were executed by XXXXXX. The signatures on the documents for XXXXX and XXXXXXXXX do not match the signature on their photo IDs (pages 131-132). All signatures match Juliets signature (page<br>\*\*\* (CURED) Guaranty is Missing - EV R<br> COMMENT: All of the documents in the file were executed by Juliet. The signatures on the documents for XXXXX and XXXXXXXXX do not match the signature on their photo IDs (pages 131-132). All signatures match XXXXXXX signature (page 130)<br>\*\*\* (CURED) Mortgage not properly executed - EV R<br> COMMENT: The loan closed with 3 guarantors. The mortgage (page 445) includes a signature line for each guarantor; however, the borrower signed for all three guarantors. All of the documents in the file were executed by XXXXXX. The signatures on the documents for XXXXX and XXXXXXXXX do not match the signature on their photo IDs (pages 131-132). All signatures match XXXXXXX signature (page 130)<br>\*\*\* (CURED) Not all borrowers signed HUD - EV R<br> COMMENT: All of the documents in the file were executed by XXXXXX. The signatures on the documents for XXXXX and XXXXXXXXX do not match the signature on their photo IDs (pages 131-132). All signatures match XXXXXXX signature (page |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114103 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114104 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The HUD reflects address XX-XX XXXXX XXXXXX, the subject is XX-XX XXXXX XXXXXX.<br>\*\*\* (CURED) Missing flood cert - EV R<br> COMMENT: The flood certificate for the subject property is not found in the file documents. Guideline 3.2.1 Flood Zone Determination/Flood Certificate (pg. 12) indicates, "Determination whether a subject property is in a flood zone must be established by a Flood Certificate provided by XXXX."<br>\*\*\* (CURED) Payment History and LOE for Delay - EV R<br> COMMENT: The file includes documentation supporting the completion of mortgage modifications over 36 months prior to the subject note date. The file does not include an LOX from the borrower addressing those occurrences. Guideline 10.15 Forbearance or Modification (pg. 35) indicates, "A letter of explanation from the borrower addressing the situation that made forbearance or modification necessary and that the situation requiring the forbearance or modification has passed." |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114105 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114106 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114107 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Borrower(s) Hazard Insurance Requirements (Fail) - EV R<br> COMMENT: The guidelines, section 3.1.2 requires insurance coverage must be equal to 100% of the insurable value of the improvements as established by the insurer or coverage amounts as determined by calculation from a full appraisal. The file included evidence of insurance located on page 420, reflecting total coverage amount of $XXX,XXX. The file did not include evidence of the reconstruction cost estimate. The appraisal, located in Original File reflects the cost new as $XXX,XXX. The evidence of insurance is short, required coverage in the amount of $XX,XXX.<br>\*\*\* (CURED) Borrower(s) Rental Loss Insurance Requirement (Fail) - EV R<br> COMMENT: The guidelines, section 3.1.2 requires rent loss coverage in the amount of 6 months or $XX,XXX, using the lease rent of $X,XXX. The file included evidence of homeowners located on page 564 reflecting rent loss of $0. The rent loss coverage is short by $XX,XXX.<br>\*\*\* (CURED) HUD-1 Closing Statement missing or unsigned - EV R<br> COMMENT: The Hud-1 Closing Statement is missing from the loan file.<br>\*\*\* (CURED) Not all borrowers signed HUD - EV R<br> COMMENT: The Hud-1 Closing Statement is missing from the loan file. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114108 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114109 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114110 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114111 | XXXXXX | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Income documentation does not meet guidelines - EV B<br> COMMENT: Borrower 2 is self employed and XXXX 1040 in file was used for income. A YTD P&L to verify most recent year income is required per guidelines. | \*\*\* (CURED) DTI/Residual income outside of guidelines (ATR) - EV R<br> COMMENT: The maximum DTI per lender guidelines is 50% based on loan program and credit score. The ratio is 58.5% using fully amortize PI per lender guidelines. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114112 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114113 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114114 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Not all borrowers signed HUD - EV R<br> COMMENT: The Final HUD was not signed by the borrower. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114115 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114116 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114117 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114118 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Mortgage/Rental lates exceed guidelines - EV R<br> COMMENT: Previous mortgage history with XXXX was 2x90 with last 24 months. (Pg. 837) Exception request XX/XX/XXXX. Approved XX/XX/XXXX. Exception: Borrower has credit dept since XX/XXXX; currently has paid $XXXX mortgage as agreed from 12/20 through present. Rolling Navient student loan late payments and each student loan is reported individually, however,, these loans are paid with one monthly payment, reported late on each loan. Borrower has 2x120x12 student loan installment debt and time share deed in lieu treated as installment/charge off. 2x90 mortgage lates drop off in less than 60 days from origination of loan. An exception for borrower and the broker who has a strong relationship with the Lender. Request Compensation factors: Borrower currently employed for 20+ years, Housing DTI and LTV less than 80%. Decision Compensation Factors, Low DTI. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114119 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Not all borrowers signed HUD - EV R<br> COMMENT: Final HUD missing from the loan file. Estimated HUD in file not signed.<br>\*\*\* (CURED) Only Estimated HUD in file - EV R<br> COMMENT: Final HUD missing from the loan file. Estimated HUD in file not signed. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114120 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Borrower(s) Rental Loss Insurance Requirement (Fail) - EV R<br> COMMENT: The guidelines, section 3.1, states that rent loss insurance equal to 6 months of the average rent is required. The hazard insurance policy in the file does not include the rent loss insurance. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114121 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: Guideline 4.4 (Additional Valuation Requirements) states that an APR, CDA or FNMA CU risk score of 2.5 or less must accompany the appraisal. If the CU score is greater than 2.5 then a Clear Capital CDA (or similar) supporting the appraised value within 10% must be present. Subject CU score is a 5 and no Clear Capital CDA (or similar) is present in loan file. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114122 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: Loan file is missing a third party valuation. The CDA in the loan file is for a different property.<br>\*\*\* (CURED) Value used by lender not supported - EV R<br> COMMENT: AVM within 10% variance but the Confidence Score is below 90 - doesn't meet Fitch requirement. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114123 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) HUD-1 Closing Statement missing or unsigned - EV R<br> COMMENT: The HUD is missing from the loan file. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114124 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The title policy reflects an insurance amount of $XXX,XXX, which is less than the loan amount of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114125 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114126 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114127 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Borrower(s) Months Reserves Requirement (Fail) - EV R<br> COMMENT: According to the NONI Matrix 10.25.2021, a cash-out refinance requires 6 months of reserves. The loan file does not contain bank statements, the cash-out amount of $X,XXX.XX was used as assets. The requires reserves amount is $13,057.26.<br>\*\*\* (CURED) Borrower(s) Reserves Requirement (Fail) - EV R<br> COMMENT: According to the NONI Matrix 10.25.2021, a cash-out refinance requires 6 months of reserves. The loan file does not contain bank statements, the cash-out amount of $X,XXX.XX was used as assets. The requires reserves amount is $13,057.26.<br>\*\*\* (CURED) Missing flood cert - EV R<br> COMMENT: The loan file does not contain a flood cert. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114128 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Credit report incomplete - EV R<br> COMMENT: The credit report is dated XX/XX/XXXX which is before the application date of XX/XX/XXXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114129 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114130 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Income documentation does not meet guidelines - EV R<br> COMMENT: The income calculations for the bank statement analysis are inconsistent with discounting zelle payment deposits from borrower. There is no explanation clarifying same. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114131 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114132 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114133 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114134 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114135 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114136 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114137 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114138 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114139 | XXXXXX | 3 | 2 | 1 | 2 | 3 | 1 | 2 | 1 | \*\*\* (OPEN) Property Type unacceptable under guidelines - EV B<br> COMMENT: Pg. 867 NonQM Exception for Zoning, Zoning is Agricultural/Single Family/Mobile Homes. Exception approved 12/20/2021 with compensation factors Fico score 666 (updated fico score 679) and Self Employed for 17+ years. | \*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the Points - Loan Discount Fee on disclosure XX/XX/XXXX was not accepted. Although the change appears to be valid, because a COC was not provided, auditor is unable to determine if the revised disclosure was provided within 3 business days of the change. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or by providing a date for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). " |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114140 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114141 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Mortgage missing / unexecuted - EV R<br> COMMENT: The loan file is missing the executed Mortgage.<br>\*\*\* (CURED) Note is missing or unexecuted - EV R<br> COMMENT: The loan file is missing the executed Note. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114142 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The title policy does not include a title insurance amount, the title insurance required is $XXX,XXX.<br>\*\*\* (CURED) Borrower(s) Months Reserves Requirement (Fail) - EV R<br> COMMENT: Per the matrix, for a cash-out refinance 6 months of reserves are required. The total months of reserves required are 6 months, but the loan file only shows proof of 3.073 months of reserves.<br>\*\*\* (CURED) Borrower(s) Reserves Requirement (Fail) - EV R<br> COMMENT: Per the matrix, for a cash-out refinance 6 months of reserves are required. The total amount of reserves required are $12,648.40, but the borrower did not provide any bank statements and the cash-out proceeds in the amount of $X,XXX.XX does not cover the required reserves. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114143 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114144 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114145 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The title insurance is $XXX,XXX and does not cover the loan amount of $XXX,XXX.<br>\*\*\* (CURED) Borrower(s) Rental Loss Insurance Requirement (Fail) - EV R<br> COMMENT: The rental loss insurance requirement is $XXXX but the insurance only covers $X,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114146 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114147 | XXXXXX | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Borrower(s) LTV Requirement (Fail) - EV B<br> COMMENT: According to the Investor Cash Flow Matrix effective on XX/XX/XXXX, a cash out loan with a DSCR of <1.00 ($X,XXX/$X,XXX = 0.64 DSCR) would allow a maximum LTV of 70%. In addition, this loan will receive a 5% reduction in allowed LTV due the property currently being unleased, allowing for a total permitted LTV of 65%. The appraisal located on page 573 confirms the property is vacant. The current LTV for this loan is 70% ($X,XXX,XXX/$X,XXX,XXX) which is 5% less than the allowed LTV. |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114148 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Borrower(s) LTV Requirement (Fail) - EV R<br> COMMENT: According to the Investor Cash Flow Matrix effective on 10/25/21, a purchase loan with a DSCR of <1.00 ($X,XXX Rent/$XXXX.XX PITIA) would allow a maximum LTV of 75%. The current LTV ($XXX,XXX loan/$XXX,XXX value) for this loan is 80% which is 5% more than the max allowed LTV.<br>\*\*\* (CURED) Original CLTV does not meet eligibility requirement(s) - EV R<br> COMMENT: According to the Investor Cash Flow Matrix effective on 10/25/21, a purchase loan with a DSCR of <1.00 ($X,XXX Rent/$XXXX.XX PITIA) would allow a maximum LTV of 75%. The current LTV ($XXX,XXX loan/$XXX,XXX value) for this loan is 80% which is 5% more than the max allowed LTV.<br>\*\*\* (CURED) Original LTV (OLTV) does not meet eligibility requirement(s) - EV R<br> COMMENT: According to the Investor Cash Flow Matrix effective on 10/25/21, a purchase loan with a DSCR of <1.00 ($X,XXX Rent/$XXXX.XX PITIA) would allow a maximum LTV of 75%. The current LTV ($XXX,XXX loan/$XXX,XXX value) for this loan is 80% which is 5% more than the max allowed LTV. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114149 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114150 | XXXXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 |  | \*\*\* (CURED) Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) - EV R<br> COMMENT: There is no date evident on the CHARM Booklet provided in the loan file; auditor cannot determine if it was disclosed to the borrower within 3 business days of the application date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the disclosure was provided within 3-business days of application.<br>\*\*\* (CURED) Loan program disclosure missing or unexecuted - EV R<br> COMMENT: The Adjustable Rate Mortgage Loan Program Disclosure is missing. The defect can be cured by providing the disclosure.<br>\*\*\* (CURED) Special information booklet is Missing - EV R<br> COMMENT: There is no date evident on the Tool Kit provided in the loan file; auditor cannot determine if it was disclosed to the borrower within 3 business days of the application date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the disclosure was provided within 3-business days of application.<br>\*\*\* (CURED) TRID - 10% tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase of the following fees on PCCD XX/XX/XXXX was not accepted because the change occurred after consummation: Recording Fee A cost to cure in the amount of $XX.XX is required. The defect can be cured by reimbursing the consumer or providing any missing revised disclosure with changes prior to consummation. If curing with a reimbursement, the following documents are required as well: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br>\*\*\* (CURED) VOM or VOR missing/required - EV R<br> COMMENT: Missing VOR |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114151 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114152 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114153 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114154 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114155 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) HUD-1 Closing Statement missing or unsigned - EV R<br> COMMENT: The HUD is missing from the loan file.<br>\*\*\* (CURED) Mortgage missing / unexecuted - EV R<br> COMMENT: The Mortgage is missing from the loan file.<br>\*\*\* (CURED) Note is missing or unexecuted - EV R<br> COMMENT: The Note is missing from the loan file. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114156 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114157 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114158 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114159 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Application Missing - EV R<br> COMMENT: The Application is missing from the loan file. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114160 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114161 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114162 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114163 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) HUD-1 Closing Statement missing or unsigned - EV R<br> COMMENT: The guidelines, section 12.8.4, state that the net proceeds must be verified via a settlement statement. The settlement statement included in the loan file is not fully executed.<br>\*\*\* (CURED) Mortgage missing / unexecuted - EV R<br> COMMENT: The mortgage found in the loan file is not fully executed, it is missing the borrowers signatures and notary.<br>\*\*\* (CURED) Note is missing or unexecuted - EV R<br> COMMENT: The note found in the loan file is not fully executed, the note is not signed or notarized. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114164 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Borrower(s) Rental Loss Insurance Requirement (Fail) - EV R<br> COMMENT: Per the NONI guidelines effective on 10/25/21, section 3.1, rent loss coverage is required in the amount of 6 months or $XX,XXX, using the market rent of $X,XXX. The file included evidence of homeowners insurance located on page 220 reflecting rent loss coverage of $XX,XXX. The rent loss coverage is short by $XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114165 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114166 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114167 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114168 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114169 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114170 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114171 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114172 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114001 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114173 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114174 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114175 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Borrower(s) Rental Loss Insurance Requirement (Fail) - EV R<br> COMMENT: Per the NONI guidelines effective on 10/25/21, section 3.1, rent loss coverage is required in the amount of 6 months or $XX,XXX, using the market rent of $X,XXX. The file included evidence of homeowners insurance located on page 373 reflecting rent loss coverage of $XX,XXX. The rent loss coverage is short by $XXX.<br>\*\*\* (CURED) Mortgage missing / unexecuted - EV R<br> COMMENT: The Security Instrument (Mortgage/Deed of Trust) is missing.<br>\*\*\* (CURED) Note is missing or unexecuted - EV R<br> COMMENT: The Note is missing. The defect can be resolved by providing the executed missing document. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114176 | XXXXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 |  | \*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) The decrease to lender credits on the disclosure issued on 11/23/21 was not accepted. Although the decrease appears to be valid, because a COC was not provided, auditor is unable to determine if the revised CD was disclosed within 3 business days of the decrease. A cost to cure in the amount of $X.XX is required. The defect can be cured by reimbursing the consumer or by providing the date of the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114177 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114178 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Borrower(s) Months Reserves Requirement (Fail) - EV R<br> COMMENT: The guidelines, section 12.2 requires evidence of cash to close and 6 months reserves to be documented with 2 months of bank statements. The file included two months of bank statements for accounts ending XXXX, XXXX, XXXX, and XXX, located on pages 48, 62, 168 dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, reflecting a total balance of $XXX,XXX.XX. The HUD, located on page 235 reflects the borrower was required to bring $XXX,XXX.XX cash to closing. In addition to the cash to close, the guidelines require 6 months of reserves or $13,897.44 to be documented, for a total of $13,897.44 verified assets. The file is short evidence of assets/reserves in the amount of $9,268.41.<br>\*\*\* (CURED) Borrower(s) Reserves Requirement (Fail) - EV R<br> COMMENT: The guidelines, section 12.2 requires evidence of cash to close and 6 months reserves to be documented with 2 months of bank statements. The file included two months of bank statements for accounts ending XXXX, XXXX, XXXX, and XXX, located on pages 48, 62, 168 dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, reflecting a total balance of $XXX,XXX.XX. The HUD, located on page 235 reflects the borrower was required to bring $XXX,XXX.XX cash to closing. In addition to the cash to close, the guidelines require 6 months of reserves or $13,897.44 to be documented, for a total of $13,897.44 verified assets. The file is short evidence of assets/reserves in the amount of $9,268.41. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114179 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The title policy on page 449 of the loan file reflects an insured amount of $XXX,XXX.XX, which is less than the note loan amount of $XXX,XXX.XX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114180 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114181 | XXXXXX | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Assets are not sufficient to close - EV B<br> COMMENT: The loan required $XX,XXX.XX to close, the borrower only supplied assets for the amount of $XX,XXX.XX. There is an additional $X,XXX.XX needed to show proof of funds for the cash needed to close.<br>\*\*\* (OPEN) Borrower(s) Cash to Close Requirement (Fail) - EV B<br> COMMENT: The loan required $XX,XXX.XX to close, the borrower only supplied assets for the amount of $XX,XXX.XX. There is an additional $X,XXX.XX needed to show proof of funds for the cash needed to close. |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114182 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114183 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing Title evidence - EV R<br> COMMENT: The loan file does not include evidence of a title. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114184 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114185 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114186 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114187 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114188 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Borrower(s) Hazard Insurance Requirements (Fail) - EV R<br> COMMENT: The guidelines effective 10/25/21, section 3.1.2, require insurance coverage greater than or equal to the unpaid principal balance of the mortgage, as long as it at least equals the minimum amount (80% of the insurable value of the improvements) required to compensate for damage or loss on a replacement cost basis. If it does not, then coverage that does provide the minimum required amount must be obtained.<br>Per the Insurance Binder located on page 256, the amount of coverage is equal to $XXX,XXX while the unpaid principal balance of the mortgage is $XXX,XXX. The amount of coverage is short by $XX,XXX.<br>\*\*\* (CURED) Borrower(s) Rental Loss Insurance Requirement (Fail) - EV R<br> COMMENT: Per the guidelines effective 10/25/21, section 3.1, rent loss insurance for the subject is required and must equal at least 6 months of average monthly rents. According to the Insurance Binder located on page 256, there is rent loss coverage of $XX,XXX. However, the market rent provided on page 10 totals to $X,XXX. Based on the guidelines, this property would require rent loss coverage of $XX,XXX ($X,XXX x 6 months). The rent loss coverage is short by $X,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114189 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114002 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114190 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114191 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114192 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114193 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Borrower(s) Hazard Insurance Requirements (Fail) - EV R<br> COMMENT: The guidelines, section 3.1.2. states that the amount of coverage must be equal to 100% of the insurance value or include a replacement cost estimate. The loan file includes hazard insurance with coverage amount of $XXX,XXX.XX, but the loan amount is $XXX,XXX, and the replacement cost estimate is not included. Please provide an updated hazard insurance policy. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114194 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114195 | XXXXXX | 3 | 2 | 1 | 3 | 1 | 2 | 1 | 1 |  |  | \*\*\* (WAIVED) Property Type unacceptable under guidelines - EV W<br> COMMENT: This property is listed as having SFR/AGR (Allows livestock). The GL at 5.3 (p. 14) states that hobby farms are ineligible and that agricultural zoned property is eligible on a case-by-case basis. This review did not reveal an underwriting exception for this property or comment related to the appraisal. The title report (p. 354) lists exceptions for oil, gas, minerals, and other hydrocarbon substances within or underlying said land as reserved in Deeds of Record. This transaction did not provide an escrow for taxes and insurance, as required by GL 2.6. These things make this loan outside of program guidelines. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114196 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114197 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114198 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The guidelines, section 5.7.3, states that an operating agreement is required for an LLC. The operating agreement is missing from the loan file. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114199 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114200 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114201 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114202 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Borrower(s) Hazard Insurance Requirements (Fail) - EV R<br> COMMENT: The hazard insurance does contain replacement coverage in a limited amount. The total of the coverage of $XXX,XXX plus the stated replacement coverage limit of $XX,XXX is $XXX,XXX which does not equal the amount of the mortgage of $XXX,XXX. Additional coverage is required. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114203 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Application Missing - EV R<br> COMMENT: The loan file does not include the initial or final 1003.<br>\*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: The loan file does not contain a UCDP or desktop.<br>\*\*\* (CURED) HUD-1 Closing Statement missing or unsigned - EV R<br> COMMENT: The loan file does not include a HUD.<br>\*\*\* (CURED) Missing credit report - EV R<br> COMMENT: The loan file does not include a credit report.<br>\*\*\* (CURED) Missing flood cert - EV R<br> COMMENT: The loan file does not include a flood cert.<br>\*\*\* (CURED) Missing proof of hazard insurance - EV R<br> COMMENT: The loan file does not include proof of hazard insurance.<br>\*\*\* (CURED) VOM or VOR missing/required - EV R<br> COMMENT: The loan file does not include a VOM. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114204 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114205 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114206 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114207 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114208 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Mortgage missing / unexecuted - EV R<br> COMMENT: The Mortgage is missing from the loan file.<br>\*\*\* (CURED) Note is missing or unexecuted - EV R<br> COMMENT: The Note is missing from the loan file. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114209 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114210 | XXXXXX | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV B<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114211 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114212 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Mortgage history for primary residence less than 12 months - EV R<br> COMMENT: Borrower is a first time homebuyer. Per guidelines, First time Homebuyers are not permitted under the NONI program. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114213 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Mortgage is $XXX,XXX.XX and Title Insurance is $XXX,XXX.XX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114214 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114215 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Borrower(s) Rental Loss Insurance Requirement (Fail) - EV R<br> COMMENT: Guideline 3.1 Hazard Insurance states that for investment property transactions, rent loss insurance for the subject is required and must equal at least 6 months of average monthly rents. Hazard insurance on page 274 shows loss of use ($XX,XXX) and fair rental value ($XX,XXX) for a total of $XX,XXX. Per the appraisal on page 23, market rent is $XX,XXX. Six months of the marker rent is $XX,XXX.<br>\*\*\* (CURED) Not all borrowers signed HUD - EV R<br> COMMENT: Final signed HUD was not found within the loan file. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114216 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114217 | XXXXXX | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Mortgage history for primary residence less than 12 months - EV B<br> COMMENT: All first-time investors must have a satisfactory consecutive 12-month mortgage history in the twelve months prior to loan application. Mortgage and rental payments not reflected on the credit report must be documented via a standard VOM, VOR or credit supplement. The loan file did not contain a VOM or VOR with minimum 12 months payment history. |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114218 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114219 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114220 | XXXXXX | 3 | 2 | 2 | 2 | 3 | 2 | 2 | 1 | \*\*\* (OPEN) FEMA Declaration - Natural Disaster Area (Individual). Missing Subsequent Property Inspection - EV B<br> COMMENT: Loan file did not contained evidence of inspection for subject property. The subject was checked on DisasterAssistance.gov XX/XX/XXXX were in a XXXX disaster area on XX/XX/XXXX and declared disaster XX/XX/XXXX. Original Appraisal date XX/XX/XXXX. Note date XX/XX/XXXX.<br>\*\*\* (OPEN) Property listed for sale in past 12 months - EV B<br> COMMENT: Per Appraiser. The subject was listed twice in the last 12-months. However, in both cases the property appears to have been grossly overpriced, leading to price reductions<br> each time, and the eventual cancellation. The last price listed from XX/XX/XXXX - XX/XX/XXXX ($X,XXX,XXX.XX) appears to be in a market range, but did not conclude in<br> a closed sale. | \*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee $1500. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114221 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114222 | XXXXXX | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Loan does not conform to program guidelines - EV B<br> COMMENT: According to the Matrix, first time home buyers are not eligible. 1003's in the loan file indicate that borrowers have not owned a property in the last 3 years and there are no mortgages on their credit reports. |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114223 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) FEMA Declaration - Natural Disaster Area (Individual). Missing Subsequent Property Inspection - EV R<br> COMMENT: Loan file missing Disaster Inspection Exterior Report. The subject property was located in XXXXXXX XXXXXX, which was declared a XXXX disaster on XX/XX/XXXX. Note date XX/XX/XXXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114224 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114225 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114226 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114227 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114228 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: According to the guidelines effective 10/25/21: when only one full appraisal is required and the CU score ≥ 2.5, a XXXXX XXXXXXX CDA (or similar) supporting the appraised value within 10% is required.<br>If the CDA comes in ≥ 10% below the appraised value, then a field review ordered from a provider approved by theLender is required.<br>The CDA for this loan was 11.11% less than the appraised value and would require a field review.<br>There is no field review present in this file. This is outside of guidelines.<br>\*\*\* (CURED) Pre-closing Desk Review does not support value at origination - EV R<br> COMMENT: According to the guidelines effective 10/25/21: when only one full appraisal is required and the CU score ≥ 2.5, a XXXXX XXXXXXX CDA (or similar) supporting the appraised value within 10% is required.<br>If the CDA comes in ≥ 10% below the appraised value, then a field review ordered from a provider approved by theLender is required.<br>The CDA for this loan was 11.11% less than the appraised value and would require a field review.<br>There is no field review present in this file. This is outside of guidelines. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114229 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114230 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: The guidelines section 4.1 requires an ARR, CDA or XXXX CU risk score of 2.5 or better (less). The file is missing evidence of the CU score and did not include an ARR or CDA. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114231 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114232 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114233 | XXXXXX | 3 | 2 | 3 | 3 | 3 | 2 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV B<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements.<br>\*\*\* (OPEN) Loan does not conform to program guidelines - EV B<br> COMMENT: Max NSF "instances" allowed is 3 in the last 12 months - Borrower had 27 NSF fees and at least 1 NSF fee in 9 of the last 12 months<br>\*\*\* (OPEN) Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) - EV B<br> COMMENT: This loan is now failing the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: Missing the CU score and Desk Review to support the value<br>\*\*\* (CURED) Property Issues indicated - EV R<br> COMMENT: The appraisal was completed As-Is, but the pictures show what appears to be a recent repair on the wall in the Sitting area (pg 15) that has not been painted and one of the side views (pg 16) shows the entire exterior of the home needing repair.<br>\*\*\* (CURED) Quality of Appraisal Report Unacceptable - EV R<br> COMMENT: The appraisal does not support the value, and the CU score is missing. There is no desk review in the file. Comp 1 has adjustments of 39%/77.3% Net/Gross, Comp 2 Gross adjustment is 30.1%, Comp 3 adjustments are 41.9%/42.6%. 2 additional sales were also used as comps with and those adjustments are within normal standards, but the additional listings used have Gross adjustments of 43.3% and 43.6%. In addition, the appraisal was completed As-Is, but the pictures show what appears to be a recent repair on the wall in the Sitting area (pg 15) that has not been painted and one of the side views (pg 16) shows the entire exterior of the home needing repair. Visually, comp 5 is the only one that would be comparable to the subject property. At the very least there should be a desk review, if not a full 2nd appraisal to support this value of over $1 million.<br>\*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the Transfer Taxes on disclosure 12/10/2021 was not accepted. Although the change appears to be valid, because a COC was not provided, auditor is unable to determine if the revised disclosure was provided within 3 business days of the change. A cost to cure in the amount of $XXXX.XX is required. The defect can be cured by reimbursing the consumer or by providing a date for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114234 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114235 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Assets are not sufficient to close - EV R<br> COMMENT: The HUD (Pg 119) documented the Borrower was required to bring $X,XXX.XX to the closing. No assets documentation was in the file.<br>\*\*\* (CURED) Borrower(s) Months Reserves Requirement (Fail) - EV R<br> COMMENT: No assets documentation was in the file. The HUD (Pg 119) documented the Borrower was required to bring $X,XXX.XX to the closing. No verified reserves were documented.<br>\*\*\* (CURED) Borrower(s) Cash to Close Requirement (Fail) - EV R<br> COMMENT: The HUD (Pg 119) documented the Borrower was required to bring $X,XXX.XX to the closing. No assets documentation was in the file.<br>\*\*\* (CURED) Borrower(s) Reserves Requirement (Fail) - EV R<br> COMMENT: No assets documentation was in the file. The HUD (Pg 119) documented the Borrower was required to bring $X,XXX.XX to the closing. No verified reserves were documented. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114236 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114237 | XXXXXX | 3 | 2 | 3 | 3 | 1 | 1 | 2 | 1 | \*\*\* (OPEN) Property Type unacceptable under guidelines - EV B<br> COMMENT: The guidelines, section 5.1 requires minimum property standards to include a gross living of XXX square feet. The appraisal, located on page 312 reflects the subject property total square footage is XXX. | \*\*\* (CURED) Mortgage history for primary residence less than 12 months - EV R<br> COMMENT: The guidelines section 10.6 requires housing history ratings must be obtained for the subject property and the borrower's primary residence. The file is missing evidence of the borrower's primary residence payment history |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114238 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Property Type unacceptable under guidelines - EV R<br> COMMENT: According to the guidelines effective 10/25/21, Section 5.1: Minimum property standards include, but may not be limited to: XXX sq. ft total gross living area.<br>The appraisal provided on page 4 shows the property contains XXX sqft of gross living area. The property is XX sqft smaller than the required amount and is outside guidelines. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114239 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) HUD-1 Closing Statement missing or unsigned - EV R<br> COMMENT: The Final HUD is missing from the loan file. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114003 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114240 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114241 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114242 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114243 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Borrower(s) Months Reserves Requirement (Fail) - EV R<br> COMMENT: According to the Investor Cash Flow Matrix, a cash-out refinance loan must include 6 months of reserves. 6 months of the monthly PITIA payment totals to $X,XXX.XX while the total amount of reserves currently documented totals to $X,XXX.XX. The amount of documented reserves is currently short by $3,044.18.<br>\*\*\* (CURED) Borrower(s) Reserves Requirement (Fail) - EV R<br> COMMENT: According to the Investor Cash Flow Matrix, a cash-out refinance loan must include 6 months of reserves. 6 months of the monthly PITIA payment totals to $X,XXX.XX while the total amount of reserves currently documented totals to $X,XXX.XXX. The amount of documented reserves is currently short by $3,044.18. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114244 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114245 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114246 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114247 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114248 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: The guidelines section 4.4 when only one full appraisal is required and the CU score > 2.5 or there is no CU score. The file included does not have a CU score and there is no additional review to support the value. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114249 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114250 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114251 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The evidence of title reflects an insured amount less than the loan amount.<br>\*\*\* (CURED) Note is missing or unexecuted - EV R<br> COMMENT: The guidelines, section 12.8.7, states that the note is required to secure the loan and terms of repayment. The note is not found in the loan file. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114252 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114253 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114254 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114255 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The subject loan closed in the name of an XXX. The guidelines dated 1/3/2022 on page 19 and section 5.7.3 require a SS-4 form listing the XXX tax ID number. The SS-4 form listing the LLC tax ID number is missing from the loan file. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114256 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114257 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114258 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114259 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114260 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114261 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114262 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114263 | XXXXXX | 3 | 2 | 3 | 3 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) VOM or VOR missing/required - EV B<br> COMMENT: Missing copy VOR/Lease agreement. Loan file contained business bank statements with images of checks in the amount of X,XXX.XX payable to "XXXXXX XXXXX XXXXXXXXXX". Per Lender Guidelines rental history is required for First Time Homebuyer. Must document a 12-month history during the last 36 months with 0x30. | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: Missing CDA or filed review to support value $XXX,XXX. The subject CU Score is 2.6. Per Lender Guidelines. One full appraisal is required for loan amount less than $XXX. If the CU score exceeds 2.5 an additional appraisal review are required. CDA with a variance less than 10% is required. If the variance between the CDA and the appraisal is greater than 10%, perform a field review. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114264 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Mortgage history for primary residence less than 12 months - EV R<br> COMMENT: The guidelines section 10.6 requires housing history ratings must be obtained for the subject property and the borrower's primary residence. The file is missing evidence of the borrower's primary residence payment history |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114265 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Verification of Rent - EV R<br> COMMENT: Loan file missing evidence of Verification of Rent and or lease agreement. However, the file contained Copies of 12 months canceled check made payable to a private landlord.<br>\*\*\* (CURED) Missing Doc - EV R<br> COMMENT: Loan file missing the CU score. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114266 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The guidelines, section 5.7.3, states that a certificate of good standing is required for a XXX. The loan closed in the name of an XXX and the certificate of good standing is not found in the loan file.<br>\*\*\* (CURED) Mortgage missing / unexecuted - EV R<br> COMMENT: The mortgage is required to be completed, the mortgage is missing from the loan file. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114267 | XXXXXX | 3 | 2 | 1 | 1 | 3 | 1 | 1 | 2 | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV B<br> COMMENT: The CD issued on XX/XX/XXXX is inaccurate. The CD shows a closing date of XX/XX/XXXX, Mortgae was signed and notarized on XX/XX/XXXX. | \*\*\* (CURED) ROR funding date before end of required rescission period - EV R<br> COMMENT: The loan failed the Right of Rescission test. The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation took place on XX/XX/XXXX and per the last revised CD issued XX/XX/XXXX, the loan disbursed on XX/XX/XXXX. Loan could not disburse until after the end of the rescission period; rescission ended on XX/XX/XXXX. The defect can be cured by providing the true funding date. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114268 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114269 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114270 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) HUD-1 Closing Statement missing or unsigned - EV R<br> COMMENT: The guidelines, section 12.8.4, states that a settlement statement is required to verify proceeds from the transaction. The HUD is missing from the loan file. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114271 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114004 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114272 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Borrower(s) Hazard Insurance Requirements (Fail) - EV R<br> COMMENT: Hazard insurance (p 190) does not include windstorm or hail coverage. Guideline 3.1.2 states: The Lender will not accept hazard insurance policies that limit or exclude coverage for windstorm, hurricanes, hail damages or any other hazard normally included under an extended coverage endorsement unless a separate policy or endorsement is obtained that provides adequate coverage. The policy does not provide this endorsement nor is there a separate policy to cover windstorm or hail coverage. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114273 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114274 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: The guidelines, section 14.3.1, states that the 1007 is required for the market rent. The 1007 is missing and needed to calculated the DSCR using the market rent as this property is vacant and there is no lease in place.<br>\*\*\* (CURED) DSCR Is Not Eligible - EV R<br> COMMENT: The guidelines, section 14.3.1, states that the lease agreement or the market rent are used to calculated the DSCR. The DSCR could not be calculated because the property is vacant, with no lease agreement, per the appraisal and the 1007 market rent valuation is missing. DSCR of 0.00 is less than 1.0 required per guidelines. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114275 | XXXXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 |  | \*\*\* (CURED) Homeownership Counseling List - EV R<br> COMMENT: The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX.The defect can be resolved by providing evidence showing the document was issued to the consumer within 3 business days of application |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114276 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114277 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114278 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114279 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: The guideline section 3.6 requires a traditional appraisal FNMA Collateral Underwriter (CU) scores are supported for Form 1004 only (SFR & PUD). A CU score less than or equal to 2.5 will not require a secondary valuation. The file included a CU score of 2.6. The file did not include a secondary review to support the value. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114280 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114281 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114282 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114283 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114284 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) VOM or VOR missing/required - EV R<br> COMMENT: The guidelines section 10.6 requires housing history ratings must be obtained for the subject property and the borrower's primary residence. The file is missing evidence of the borrower's primary residence payment history |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114285 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114286 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Mortgage history for primary residence less than 12 months - EV R<br> COMMENT: The guidelines section 10.6 requires housing history ratings must be obtained for the subject property and the borrower's primary residence. The file is missing evidence of the borrower's primary residence payment history. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114287 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114288 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114289 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114290 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114005 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The guidelines section 10.6 requires housing history ratings must be obtained for the subject property and the borrower's primary residence. The file is missing evidence of the borrower's primary residence payment history<br>\*\*\* (CURED) Mortgage missing / unexecuted - EV R<br> COMMENT: The mortgage is missing from the loan file.<br>\*\*\* (CURED) Note is missing or unexecuted - EV R<br> COMMENT: The note is missing from the loan file. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114291 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114292 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114293 | XXXXXX | 3 | 2 | 1 | 1 | 3 | 1 | 1 | 2 | \*\*\* (OPEN) ComplianceEase Exceptions Test Failed #2 - EV B<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements. | \*\*\* (CURED) Missing TRID RESPA Disclosures - EV R<br> COMMENT: The transaction funded prior to consummation. Per the CD issued XX/XX/XXXX, the transaction funded on XX/XX/XXXX; however, consummation took place on XX/XX/XXXX. The defect can be resolved by providing the true funding date |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114294 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114295 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114296 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: Guideline 4.4 Additional Valuation Requirements state the when only one full appraisal is required and the CU score is greater than 2.5 or there is no CU score then a XXXXX XXXXXXX CDA (or similar) supporting the appraised value within 10% is required. No UCDP with CU score found in loan file.<br>\*\*\* (CURED) Borrower(s) Hazard Insurance Requirements (Fail) - EV R<br> COMMENT: Guideline 3.1.2 Amount of coverage must be at least equal to 100% of the insurable value as determined by appraisal or the unpaid principal balance of the mortgage, as long as it at least equals the minimum amount (80% of the insurable value of the improvements). Total cost new from appraisal page 3 is $XXX,XXX. Loan amount on note page 186 is $XXX,XXX. Hazard Insurance on page 153 only shows replacement cost of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114297 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114298 | XXXXXX | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Mortgage history for primary residence less than 12 months - EV B<br> COMMENT: The guidelines section 10.6 requires housing history ratings must be obtained for the subject property and the borrower's primary residence. The file is missing evidence of the borrower's primary residence payment history |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114299 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114300 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114301 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing sufficient employment documentation (ATR) - EV R<br> COMMENT: Missing CPA letter to evidence borrower has been self employed for minimum 2 years. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114302 | XXXXXX | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Comp Factor: Low DTI - EV B<br> COMMENT: Originator monthly income X,XXX.XX based on 12 months business bank statement not including the disallowed deposits. Auditor recalculated 12 months bank statement omitting the disallowed deposits and calculates using 6.2% expense ratio per CPA letter. Calculated average income $X,XXX.XX. Originator DTI 49.723%. Auditor DTI 50.823%. Per GLS 50% max DTI allowed. |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114303 | XXXXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 |  | \*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of the following fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Transfer Taxes. A cost to cure in the amount of $XX,XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114304 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114305 | XXXXXX | 3 | 2 | 3 | 1 | 2 | 1 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV B<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements. | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: The loan file is missing the Replacement Cost Estimate from the hazard insurance company. The HOI policy in file p.616 shows coverage of $XXX,XXX with 100% replacement cost. The loan amount is $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114306 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114307 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: The appraisal reflects the subject is owner occupied and that must be corrected, per the final loan approval document in the file (pg. 392). Guideline 2.1 Program Overview indicates, "NONI has been crafted for borrowers seeking financing for non-owner or investment properties." |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114308 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) HUD-1 Closing Statement missing or unsigned - EV R<br> COMMENT: The loan file is missing the final closing settlement statement for the subject property. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114309 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114310 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114311 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114312 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114313 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114314 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114315 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114316 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114317 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114318 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114319 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Borrower(s) Rental Loss Insurance Requirement (Fail) - EV R<br> COMMENT: Guideline 3.1 Hazard Insurance states that rent loss insurance for the subject is required and must equal at least 6 months of average monthly rents. Appraisal page 16 shows market rent of $X,XXX for a total of $XX,XXX amount of coverage required. Hazard insurance on page 251 does not include rent loss insurance. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114006 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114320 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114007 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Full appraisal required. Form Type - EV R<br> COMMENT: Per guidelines, A completed appraisal report with full interior/exterior appraisal is required on all loan transactions to assess the adequacy of the property as collateral for the mortgage requested. Form 2055 (Exterior Only) provided. Full appraisal required.<br>\*\*\* (CURED) Value used by lender not supported - EV R<br> COMMENT: Missing secondary valuation required for securitization. No CU score reported on UCDP reports. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114321 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114322 | XXXXXX | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Missing asset documentation (ATR) - EV B<br> COMMENT: Missing $XX,XXX.XX in reserves, borrower needs $XX,XXX.XX and has $XX,XXX.XX |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114323 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114324 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The guidelines dated 10.25.2021, page 44, section 14.3.1 for refinance transactions requires a lease agreement if the appraisal reflects the subject property is tenant occupied. The appraisal reflects the subject is tenant occupied with a monthly rent of $X,XXX; however, the file did not include lease agreements. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114325 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114326 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing Doc - EV R<br> COMMENT: Loan file missing evidence of (Monthly Escrow payment) Homeowners Insurance, HOA and Property taxes for investment property @ XXXX XXX XXXXXX XX, #X, XXXX XXXXXXXX, XX. Mortgage history from XXX XXXXXXX XXXX reflects only P&I payment.<br>\*\*\* (CURED) Mortgage Riders incomplete / inaccurate - EV R<br> COMMENT: Missing full PUD rider<br>\*\*\* (CURED) Original CLTV does not meet eligibility requirement(s) - EV R<br> COMMENT: Max LTV listed for 2nd home is 75%. Loan was approved with 80% LTV.<br>\*\*\* (CURED) Original LTV (OLTV) does not meet eligibility requirement(s) - EV R<br> COMMENT: Max LTV listed for 2nd home is 75%. Loan was approved with 80% LTV. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114327 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114328 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114329 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Loan does not conform to program guidelines - EV R<br> COMMENT: Per guidelines, if property is tenant occupied, copy of lease agreement is required. Appraisal shows that property is tenant occupied. Missing lease agreement from loan file |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114330 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Borrower(s) Flood Insurance Requirements (Fail) - EV R<br> COMMENT: The guidelines, section 3.2, states that flood insurance is required for a property that is located within any area designated by FEMA as a Special Flood Hazard Area. The flood insurance is missing from the file, please provide the flood insurance policy.<br>\*\*\* (CURED) Borrower(s) Rental Loss Insurance Requirement (Fail) - EV R<br> COMMENT: The guidelines, section 3.1, requires rent loss insurance that is equal to 6 months of the average rent. The rent loss insurance included in the file is $XX,XXXX, but the average rent for 6 months is $XX,XXX. Please provide an updated hazard insurance policy to include the correct rent loss coverage amount.<br>\*\*\* (CURED) Borrower(s) Rental Loss Insurance Requirement (Fail) - EV R<br> COMMENT: The guidelines, section 3.1, requires rent loss insurance that is equal to 6 months of the average rent. The rent loss insurance included in the file is $XX,XXX, but the average rent for 6 months is $XX,XXX. Please provide an updated hazard insurance policy to include the correct rent loss coverage amount. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114008 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114331 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114332 | XXXXXX | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) VOM or VOR missing/required - EV B<br> COMMENT: Missing Verification of Mortgage or Rental history. Loan Application indicates borrower First-time Homebuyer. Loan file did not contained Documentation to support a 12-month history during the last 36 months. | \*\*\* (CURED) Missing Doc - EV R<br> COMMENT: Missing LOE for ownership for Property address XXXX X XXXX XX, XXXXXXXXX, XX. Final 1003 section 5 Declarations indicates borrower had no ownership interest in another property in the last three years. First page of final 1003 and DL Indicates property is owned by borrower. Credit report indicates borrower has prior mortgage with XXXXX XXXXX last reported as of XX/XX/XXXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114333 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Application Missing - EV R<br> COMMENT: The final 1003 is missing from the loan file. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114334 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114335 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114336 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The guidelines, section 5.7.3, states that a certificate of good standing is required for a XXX. The certificate of good standing is missing from the loan file and the loan closed in the name of a XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114337 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114338 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114339 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114340 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The guidelines, section 5.7.3, states that a certificate of good standing is required for a XXX. The certificate of good standing is missing from the loan file. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114341 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114342 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114343 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114344 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114345 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) VOM or VOR missing/required - EV R<br> COMMENT: Missing verification of rental history which is required per guidelines. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114346 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114347 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114348 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114349 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114350 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114351 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114352 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: AVM dated XX/XX/XXXX has variance of -29.167% - which does not support the appraisal value within 10%.<br>\*\*\* (CURED) Title issue - EV R<br> COMMENT: The Title Commitment reported the subject property was still vested in the Guarantor, individually, page 453. Provide the Final Title Policy for review.<br>\*\*\* (CURED) Value used by lender not supported - EV R<br> COMMENT: Post Close AVM Confidence Score 82.30 does not meet Fitch requirement of 90 or above. Desk Review ordered. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114353 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Value used by lender not supported - EV R<br> COMMENT: AVM in file with a -17.89% variance from appraised value. Additional valuation product required to support appraisal within 10%. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114354 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Value used by lender not supported - EV R<br> COMMENT: Appraised value of $XXX,XXX.XX not supported. Pre-Fund AVM returned a value of $XXX,XXX.XX which resulted in a -16.00% variance. Post-fund ARR returned a value of $XXX,XXX.XX resulting in a -25.71% variance. Value still not supported. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114355 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114009 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: The AVM reflected a value of $XXX,XXX.XX. The appraised value is $XXX,XXX.XX. The file did not include a desk review to support the appraised value.<br>\*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: 02/04/2022: Finding Remains |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114010 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Full appraisal required. Form Type - EV R<br> COMMENT: Per guidelines hybrid appraisal where the property inspection and measurements are performed separately from the analysis of supporting data by a licensed appraiser<br> ● iValueNet55 with rent addendum. No issue. Loan file contains a ValueNet 55.<br>\*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: Per guidelines, page 5, a secondary valuation is required for loan amounts greater than or equal to $XXX,XXX. Secondary valuation is missing from the loan file. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114356 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XXX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114011 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: AVM value of $XX,XXX does not support appraised value of $XXX,XXX (variance is 20.588%). Please provide update to support value.<br>\*\*\* (CURED) Value used by lender not supported - EV R<br> COMMENT: AVM in file with variance of -20.588%. Desk review or field review required. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114357 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114012 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Value used by lender not supported - EV R<br> COMMENT: AVM in file with -17.757% variance, which exceeds guideline maximum of -10%. Field or desk review required. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114358 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Title coverage of $XXXXX.XX is less than the note amount of $XXXXX.XX.<br>\*\*\* (CURED) Income documentation does not meet guidelines - EV R<br> COMMENT: Missing signed lease agreement required for occupied properties per guidelines.<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: AVM of $XXXXX.XX is greater than 10% variance of appraised value amount of $XXX,XXX.XX. Desktop or field review is required.<br>\*\*\* (CURED) Value used by lender not supported - EV R<br> COMMENT: AVM of $XXXXX.XX is greater than 10% variance of appraised value amount of $XXX,XXX.XX. Desktop or field review is required. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114359 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The title policy reflects an insured amount of $XXX,XXX, which is less than the loan amount of $XXX,XXX. Please provide updated title.<br>\*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: HOI beneficiary reflects XXXXXXXXXX XXXXXXXX XXXXXXXXXX XXXXX. Per guidelines, section 4.3, beneficiary must reflect LendingHome and its successors and assigns (ISAOA).<br>\*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: AVM available in file Pg# 39 doesn't support the Appraisal value. Need updated AVM with the supported value.<br>|  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114013 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Value used by lender not supported - EV R<br> COMMENT: Appraised value $XXX,XXX.XX is not supported within 10% of the AVM value $XXX,XXX.XX. The variance is -15.672%. Field or desk review required. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114360 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114361 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Mortgage/Rental lates exceed guidelines - EV R<br> COMMENT: The loan file is missing a full 12 month payment history for the subject property to verify >1x30 past 12 months. Provide the months from XX/XXXX and prior equaling the 5 additional months not reviewed on pages 357 & 260.<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Value used by lender not supported - EV R<br> COMMENT: The Appraisal Value $XXX,XXX.XX, page 403, was used for qualifying LTV of 65%. The AVM valued the subject at $XXX,XXX.XX, page 1, 12% below appraised value. Although the Secondary AVM value was not required for loan amounts <$750,000.00, it was is included in the loan file. Missing Third Party Valuation Product to support the appraised value within 10% variance. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114014 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The insured amount is less than the loan amount.<br>\*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: AVM is not required<br>\*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: AVM is not required<br>\*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114362 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: The May 2021 Guidelines, section 3.6, page 6 require a secondary valuation which may be an AVM, Desktop Review, or Field Review, with a supporting value as defined in the table below. AVMs must have a forecast standard deviation (FSD) of <=0.10 to be valid. The subject property appraised for $XXX,XXX. The AVM on page 307 reflects a value of $XXX,XXX which is 21.852% less than the appraised value.<br>\*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The May 2021 Guidelines, section 3.6, page 6 require a secondary valuation which may be an AVM, Desktop Review, or Field Review, with a supporting value as defined in the table below. AVMs must have a forecast standard deviation (FSD) of <=0.10 to be valid. The subject property appraised for $XXX,XXX. The AVM on page 307 reflects a value of $XXX,XXX which is 21.852% less than the appraised value. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114363 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114364 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114365 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XX,XXX, the AVM reflects a value of $XX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114366 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Hazard insurance has wrong mortgagee clause. It should be LendingHome and its successors and assigns (ISAOA).<br>\*\*\* (CURED) Value used by lender not supported - EV R<br> COMMENT: Second valuation not provided. Per guideline, section 3.6, a secondary valuation product is required for loan amounts greater than or equal to $750,000. Please provide second valuation. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114367 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: Appraisal is missing the market rent. DSCR unable to be calculated.<br>\*\*\* (CURED) Appraisal not dated - EV R<br> COMMENT: The original appraisal including the rent addendum is missing from the loan file, the invoice for the original appraisal is found on page 65 showing it was ordered and paid for on XX/XX/XXXX but the completed appraisal is not found.<br>\*\*\* (CURED) Missing Appraisal - EV R<br> COMMENT: The original appraisal including the rent addendum is missing from the loan file, the invoice for the original appraisal is found on page 65 showing it was ordered and paid for on XX/XX/XXXX but the completed appraisal is not found. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114368 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: AVM value of $XXX,XXX does not support appraised value of $XXX,XXX (variance is 22.51%). Please provide updated value. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114369 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Mortgage history for primary residence less than 12 months - EV R<br> COMMENT: Loan file does not contain mortgage history on subject property, property acquired XX/XX/XXXX.<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114370 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: The Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX XXXXXXX XXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA).<br>\*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The IVN55 with rent addendum valued the subject property at $XXX,XXX. The secondary valuation, an AVM, valued the subject property at $XX,XXX. Per guideline 3.6, valuation, provides that if the AVM is lower than the appraised value by more than a 10% variance, the AVM value is used. Based on the $XX,XXX loan and $XX,XXX valuation, the LTV/CLTV is 160%. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114371 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The Preliminary title work proposed insufficient mortgagee insurance amount of $XXX,XXX, page 370. The Note and Deed of Trust amount was $XXX,XXX. Provide the Final Title Policy for review.<br>\*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The Collateral Analytics AVM, page 90, valued the property at $XXX,XXX, which was not within 10% tolerance of the Appraisal value of $XXX,XXX required under guidelines Section 4.4 requirements. Missing Third Party Appraisal Product to verify the Appraisal value within 10% tolerance. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114372 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: AVM value of $XXX,XXX does not support appraised value of $XXX,XXX (variance is 14.61%). Please provide update to support value. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114373 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: HOI reflects XXXXXXXXXX XXXXXXXX XXXXXXXX XXXXX ATIMA as Beneficiary. Per Guidelines, Section 4.3, Beneficiary should XXXXXXX XXXXXXX XXXX and ISAOA. HOI Premium amount is missing on it, Need a Updated HOI statement with Premium and Beneficiary.<br>\*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: AVM value of $XXX,XXX does not support appraised value of $XXX,XXX (variance is 15.429%). Please provide updated value. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114374 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX XXXXXXXXX XXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA). Please provide updated policy reflecting correct beneficiary.<br>\*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The AVM available in file on Pg#93; however, it does not support the Appraisal value. The present AVM value is $XXX,XXX and the Appraised Value is $XXX,XXX, hence the variance is -13.60%. Please provide updated AVM with the supported appraised value. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114015 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Homeowner's insurance policy reflects XXXXX XXXXX XXXXXXXX XXXXXXXXX XXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect Lending Home and its successors and assigns (ISAOA). Please provide updated policy reflecting correct beneficiary.<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XXX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114375 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Amount of title insurance $XXX,XXX.XX is less than mortgage loan amount $XXX,XXX. Need updated Title Insurance Policy.<br>\*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Home owner's insurance policy reflects XXXXX XXXXX XXXXXXXX XXXXXXXX XXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect XXXXXXXXXXX and its successors and assigns (ISAOA). Please provide updated policy reflecting correct beneficiary.<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: AVM value of $XXX,XXX does not support appraised value of $XXX,XXX (variance is 43.92%). Please provide update to support value. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114376 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: The loan file contains a full appraisal, form 1004 for a single property and a 1007 form for rent schedule as required by the applicable guidelines on section 3.6. No issue.<br>\*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The AVM on file, page 140, does not support the appraisal value. The appraisal reflects a value of $XX,XXX and the AVM reflects a value of $XX,XXX a 21.277% difference. The file did not include a CU score. Please provide additional documentation to support the value of $XX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114377 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraisal not dated - EV R<br> COMMENT: Appraisal Report is missing in the file.<br>\*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: 02/23/2022: New Finding. The lender provided the full Form 1004 appraisal with Form 1007. Upon review of original stipulation: The Appraised Value $155,000 (Conditions Folder) was not supported by the Collateral Analytics AVM Value $70,000 (pg. 26) within 10% tolerance. Missing Third Party Appraisal Product verifying the Appraisal Value within 10% tolerance.<br>\*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Home owner's insurance policy reflects XXXXX XXXXX XXXXXXXX XXXXXXXXX XXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA). Please provide updated policy reflecting correct beneficiary.<br>\*\*\* (CURED) Missing Appraisal - EV R<br> COMMENT: Appraisal Report is missing in the file.<br>\*\*\* (CURED) Missing Doc - EV R<br> COMMENT: Required form 1007(SFR Comparable Rent Schedule) to document the market rent of the property.<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: 02/23/2022: New Finding. The lender provided the full Form 1004 appraisal with Form 1007. Upon review of original stipulation: The Appraised Value $XXX,XXX (Conditions Folder) was not supported by the XXXXXXXXXX XXXXXXXX AVM Value $XX,XXX (pg. 26) within 10% tolerance. Missing Third Party Appraisal Product verifying the Appraisal Value within 10% tolerance. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114378 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Home owner's insurance policy reflects XXXXX XXXXX XXXXXXXX XXXXXXX XXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA). Please provide updated policy reflecting correct beneficiary.<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: AVM value of $XXX,XXX does not support appraised value of $XXX,XXX (variance is 21.53%). Please provide update to support value.. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114379 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: The subject property appraised for $XXX,XXX on XX/XX/XXXX. The guidelines on page 6 require a secondary valuation which may be an AVM, Desktop Review, or Field Review, with a supporting value as defined in the table below. AVMs must have a forecast standard deviation (FSD) of <=0.10 to be valid. AVMs with FSD >0.10 require a Desktop or Field Review. The AVM dated XX/XX/XXXX on page 109 of the loan file reflects a $XXX,XXX value which is 30.769% less than the appraised value. The AVM did not support the appraised value of the subject property.<br>\*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The subject property appraised for $XXX,XXX on XX/XX/XXXX. The guidelines on page 6 require a secondary valuation which may be an AVM, Desktop Review, or Field Review, with a supporting value as defined in the table below. AVMs must have a forecast standard deviation (FSD) of <=0.10 to be valid. AVMs with FSD >0.10 require a Desktop or Field Review. The AVM dated XX/XX/XXXX on page 109 of the loan file reflects a $XXX,XXX value which is 30.769% less than the appraised value. The AVM did not support the appraised value of the subject property. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114380 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The title policy reflects an insured amount of $XXX,XXX, which is less than the loan amount of $XXX,XXX.<br>\*\*\* (CURED) Not all borrowers signed HUD - EV R<br> COMMENT: Final HUD was not executed by borrower. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114381 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XXX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114382 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Credit report >4 months old at closing - EV R<br> COMMENT: The guidelines, section 1.7 Document Validity allows the credit report to be dated 180 days from date of borrower approval by the underwriter. The loan file did not include a copy of the loan approval. The credit report is dated XX/XX/XXXX, the loan closed on XX/XX/XXXX which is 189 days at time of closing.<br>\*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br> COMMENT: Appraisal provided in original file dated XX/XX/XXXX has a value of $XXXXXX.XX. Post origination AVM dated XX/XX/XXXX discloses a value of $XXXXXX.XX. There is a 21.296% variance.<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance the 2nd valuation is used for the LTV. The appraisal in loan file states the value at $XXXX and the AVM in file states the value at $XXXX. The loan closed using the LTV of the higher value. The file does not contain any other value to support. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114383 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The title policy reflects an insurance amount of $XXX,XXX, which is less than the loan amount of $XXX,XXX.<br>\*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br> COMMENT: Appraisal dated XX/XX/XXXX included with original file shows value as $XXXXXX.XX. Post origination valuation dated XX/XX/XXXX discloses a value of $XXXXXX.XX. This is a variance of 34.627%.<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: AVM value of $XXX,XXX does not support appraised value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114384 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX XXXXXXX XXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA). Please provide updated policy reflecting correct beneficiary.<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: AVM value of $XX,XXX does not support appraised value of $XXX,XXX (variance is 30.35%). Please provide update to support value. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114385 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: HOI reflects XXXXXXXXXX XXXXXXXX XXXXXXXXXX XXXXX ATIMA as Beneficiary. Per Guidelines, Section 4.3, Beneficiary should Reflect Lending Home and ISAOA. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114386 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Borrower(s) LTV Requirement (Fail) - EV R<br> COMMENT: LTV of 80.425% exceeds maximum of 80% permitted per guidelines. Lower AVM Value used for LTV calculations as indicated per guidelines.<br>\*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX XXXXXXXXX XXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA).<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: AVM with value of $XXX,XXX is -12.963% variance from the appraised value of $XXX,XXX. Value not supported.<br>\*\*\* (CURED) Original CLTV does not meet eligibility requirement(s) - EV R<br> COMMENT: LTV of 80.425% exceeds maximum of 80% permitted per guidelines. Lower AVM Value used for LTV calculations as indicated per guidelines.<br>\*\*\* (CURED) Original LTV (OLTV) does not meet eligibility requirement(s) - EV R<br> COMMENT: LTV of 80.425% exceeds maximum of 80% permitted per guidelines. Lower AVM Value used for LTV calculations as indicated per guidelines. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114387 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Homeowner's insurance policy reflects XXXXX XXXXX XXXXXXXX XXXXXXXXX XXXXX. ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect Lending Home and its successors and assigns (ISAOA). Please provide updated policy reflecting correct beneficiary.<br>\*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XXX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114388 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX XXXXXXXXX XXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA). Please provide updated policy reflecting correct beneficiary.<br>\*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: AVM value of $XXX,XXX does not support appraised value of $XXX,XXX (variance is 40.455%). Please provide updated value. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114389 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX XXXXXXX XXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA). Please provide updated policy reflecting correct beneficiary.<br>\*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: AVM value of $XXX,XXX does not support appraised value of $XXX,XXX (variance is 37.98%). Please provide updated value. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114390 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114391 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br> COMMENT: Missing Third Party Valuation to support the appraisal within 10% variance.<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: AVM value of $115,000 does not support appraised value of $210,000 (variance is 54.76%). Please provide updated value. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114392 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114016 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: AVM value of $XXX,XXX does not support appraised value of $XXX,XXX (variance is 20%). Please provide updated value. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114017 | XXXXXX | 3 | 2 | 3 | 3 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Income documentation does not meet guidelines - EV B<br> COMMENT: Missing complete copy of lease agreements. Copy of page 1 of rental agreement for XXXX XXXXXXX XXXX provided, missing all pages required per guidelines for refinances that are tenant occupied. | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX XXXXXXXXXX XXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA).<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XXX,XXX0. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114393 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The title policy reflects an insured amount of $XXX,XXX, which is less than the loan amount of $XXX,XXX. Updated title needed to verify sufficient title coverage<br>\*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: AVM value of $XXX,XXX does not support appraised value of $XXX,XXX resulting in a variance of -31.739%). |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114394 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The purchase contract dated XX/XX/XXXX(p 94) states the purchase price is $XX,XXX.XX. The addendum/amendment to contract dated XX/XX/XXXX (p 70) states the purchase price will remain $XX,XXX.XX. The file is missing an addendum to the purchase contract disclosing the purchase price to be $XX,XXX.XX.<br>\*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The appraisal in the file (p 100) discloses a value of $XX,XXX.XX. The AVM (p 128) discloses an estimated value of $XXXXX.XX with a confidence score of 0.3. This is a variance of $XXXXX.XX or 46.591%. Guidelines (p 6) states a desktop or field review is required if the AVM has a greater than 10% variance. File is missing a desktop or field review to support value. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114395 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XXX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114396 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The Title Commitment (page 370) mortgagee insurance amount was $XX,XXX. The Note and Mortgage amount was $XX,XXX. The Title Commitment did not provide sufficient coverage for the loan amount. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114028 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX XXXXXXXXX XXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA). Please provide updated policy reflecting correct beneficiary. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114397 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX XXXXXXXXXX XXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA).<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: AVM value of $XXX,XXX does not support appraised value of $XXX,XXX (variance is -21.739%). |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114398 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114399 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The title policy reflects an insured amount of $XXX,XXX, which is less than the loan amount of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114400 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XXX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114401 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The title policy reflects an insured amount of $XXX,XXX, which is less than the loan amount of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114402 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The title policy reflects an insured amount of $XX,XXX, which is less than the loan amount of $XXX,XXX.<br>\*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: The guidelines 3.6 valuation allow a hybrid appraisal where the property inspection and measurements are performed separately from the analysis of supporting data by a licensed appraiser, iValueNet55 with rent addendum. The file included the IValueNet55 review. No issue<br>\*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br> COMMENT: Appraisal dated XX/XX/XXXX provided in original file has a value of $XXXXXX.XX. Post origination valuation dated XX/XX/XXXX discloses a value of $XXXXX.XX. There is a 75.676% variance.<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of XXX,XXX, the AVM reflects a value of $XX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114403 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: The guidelines, section 3.6 requires a traditional appraisal completed by a licensed appraiser for a Single family residences - FNMA Form 1004 & 1007 and FNMA Collateral Underwriter (CU) scores are supported for Form 1004 only (SFR & PUD). The file is missing evidence of the CU score.<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XXX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114404 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XX,XXX, the AVM reflects a value of $XX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114018 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Homeowner's insurance policy reflects XXXXXXXXX XXXXXXXX XXXXXXXXX XXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA). |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114019 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX XXXXXXXXX XXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA).<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: AVM value of $XXX,XXX does not support appraised value of $XXX,XXX (variance is 20%). |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114405 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The title policy reflects an insured amount of $XXX,XXX, which is less than the loan amount of $XXX,XXX.<br>|  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114406 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114407 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114408 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114409 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The title policy reflects an insured amount of $XX,XXX, which is less than the loan amount of $XX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114410 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XXX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114411 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114412 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XXX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114413 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The title policy reflects an insured amount of $XXX,XXX, which is less than the loan amount of $XXX,XXX.<br>\*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: The guidelines 3.6 valuation allow a hybrid appraisal where the property inspection and measurements are performed separately from the analysis of supporting data by a licensed appraiser, iValueNet55 with rent addendum. The file included the IValueNet55 review. No issue<br>\*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br> COMMENT: Post closing AVM dated XX/XX/XXXX provides a value $XXXXXX.XX. Appraisal dated XX/XX/XXXX (at origination) has a value of $XXXXXX.XX. There is a 36.50% variance.<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XXX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114414 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX XXXXXXXXX XXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA). |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114415 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114020 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Borrower(s) LTV Requirement (Fail) - EV R<br> COMMENT: Per the guidelines, section 1.6, the max LTV for a cash-out refinance with a DSCR score >1 is 75%. The guideline 3.6 require that the AVM be used unless there is a desktop or field review in file. The file does not contain additional valuations therefore we used the AVM valued at $XXX,XXX which brings us to a 107% LTV.<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XXX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX.<br>\*\*\* (CURED) Original CLTV does not meet eligibility requirement(s) - EV R<br> COMMENT: Per the guidelines, section 1.6, the max CLTV for a cash-out refinance with a DSCR score >1 is 75%. The guideline 3.6 require that the AVM be used unless there is a desktop or field review in file. The file does not contain additional valuations therefore we used the AVM valued at $XXX,XXX which brings us to a 107% CLTV.<br>\*\*\* (CURED) Original LTV (OLTV) does not meet eligibility requirement(s) - EV R<br> COMMENT: Per the guidelines, section 1.6, the max LTV for a cash-out refinance with a DSCR score >1 is 75%. The guideline 3.6 require that the AVM be used unless there is a desktop or field review in file. The file does not contain additional valuations therefore we used the AVM valued at $XXX,XXX which brings us to a 107% LTV. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114026 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraisal not dated - EV R<br> COMMENT: The Appraisal is missing from the loan file.<br>\*\*\* (CURED) DSCR Is Not Eligible - EV R<br>\*\*\* (CURED) Loan does not conform to program guidelines - EV R<br> COMMENT: Per guidelines for refinance, if property is occupied, copy of lease agreement is required. Per pictures in loan file, property is occupied. Lease agreement is missing from the loan file.<br>\*\*\* (CURED) Missing Appraisal - EV R<br> COMMENT: The Appraisal is missing from the loan file.<br>\*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: AVM value of $XXX,XXX does not support calculated of $XXX,XXX(variance is -41.420%). |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114416 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XX,XXX, the AVM reflects a value of $XX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114417 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX XXXXXXXXX XXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect Lending Home and its successors and assigns (ISAOA). Updated policy reflecting correct beneficiary required. . |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114418 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XXX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114419 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114420 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX XXXXXXXXX XXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect XXXXXXX XXXX and its successors and assigns (ISAOA). Please provide updated policy reflecting correct beneficiary.<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XXX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114421 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX XXXXXXXXX XXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA). |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114422 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: Value not supported. AVM in file with -18.462% Variance is not within the -10% variance permitted per guidelines. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114027 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Borrower(s) Rental Loss Insurance Requirement (Fail) - EV R<br> COMMENT: The guidelines, requires rent loss coverage in the amount of 6 months or $XX,XXX, using the market rent of $X,XXX. The file included evidence of homeowners located on page 38 reflecting rent loss of $.00. The rent loss coverage is short by $XX,XXX.<br>\*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX XXXXXXX XXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA).<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: AVM value of $XXX,XXX does not support appraised value of $XXX,XXX (variance is -27.660%). Please provide updated value. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114423 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114424 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XXX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114425 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XXX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114426 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XX,XXX, the AVM reflects a value of $XX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114427 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114428 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114429 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The title policy reflects an insured amount of $187,500, which is less than the loan amount of $193,000.<br>\*\*\* (CURED) Borrower(s) LTV Requirement (Fail) - EV R<br> COMMENT: Per the guidelines, section 1.6, the max LTV for a cash-out refinance with a DSCR score >1 is 75%. The guideline 3.6 require that the AVM be used unless there is a desktop or field review in file. The file does not contain additional valuations therefore we used the AVM valued at $230,000 which brings us to a 84% LTV. Can be resolved with an updated valuation.<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX.XX, the AVM reflects a value of $XXX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX.<br>\*\*\* (CURED) Original CLTV does not meet eligibility requirement(s) - EV R<br> COMMENT: Per the guidelines, section 1.6, the max CLTV for a cash-out refinance with a DSCR score >1 is 75%. The guideline 3.6 require that the AVM be used unless there is a desktop or field review in file. The file does not contain additional valuations therefore we used the AVM valued at $XXX,XXX which brings us to a 84% CLTV. Can be resolved with an updated valuation.<br>\*\*\* (CURED) Original LTV (OLTV) does not meet eligibility requirement(s) - EV R<br> COMMENT: Per the guidelines, section 1.6, the max LTV for a cash-out refinance with a DSCR score >1 is 75%. The guideline 3.6 require that the AVM be used unless there is a desktop or field review in file. The file does not contain additional valuations therefore we used the AVM valued at $XXX,XXX which brings us to a 84% LTV. Can be resolved with an updated valuation. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114430 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XXX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114431 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114432 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XXX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114021 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114433 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The title policy reflects an insured amount of $XXX,XXX, which is less than the loan amount of $XXX,XXX.<br>\*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX XXXXXXXXX XXXXXATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA).<br>\*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br> COMMENT: The post origination AVM dated XX/XX/XXXX discloses a value of $XXXXXX.XX. Appraised value per the appraisal provided in original file has a value of $XXXXXX.XX. There is a 44.159% variance.<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XXX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114434 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XXX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XXX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114022 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114435 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114436 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114437 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114438 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Borrower(s) LTV Requirement (Fail) - EV R<br> COMMENT: LTV of 93.75% exceeds maximum of 75% permitted per guidelines. Per guidelines, if AVM is >= -10% variance, the lower value of the AVM is to be used in calculations. L ender used higher appraised value for calculations. Missing documentation supporting higher appraised value.<br>\*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX XXXXX XXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect Lending Home and its successors and assigns (ISAOA). Please provide updated policy reflecting correct beneficiary.<br>\*\*\* (CURED) Post-closing AVM does not support value at origination - EV R<br>\*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XXX,XXX. The file does not contain additional documentation to support the value of $XXX,XXX.<br>\*\*\* (CURED) Original CLTV does not meet eligibility requirement(s) - EV R<br> COMMENT: LTV of 93.75% exceeds maximum of 75% permitted per guidelines. Per guidelines, if AVM is >= -10% variance, the lower value of the AVM is to be used in calculations. L ender used higher appraised value for calculations. Missing documentation supporting higher appraised value. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114439 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114440 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Homeowner's insurance policy reflects XXXXX XXXXX XXXXXXXX XXXXXXXXX XXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect Lending Home and its successors and assigns (ISAOA). Please provide updated policy reflecting correct beneficiary. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114441 | XXXXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 | \*\*\* (OPEN) DSCR Is Not Eligible - EV B<br> COMMENT: DSCR 1.001% does not meet the minimum program requirement of 1.10%. Using Market Rent $X,XXX.XX & PITIA $X,XXX.XX. Note: 12 mth Lease in file for $X,XXX.XX per month with 5 months remaining. |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114442 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114443 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114444 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XXX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114023 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114445 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114446 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114447 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XXX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114448 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XXX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114024 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: Appraised value is $80000.00. AVM provided has a value of $36000.00. This is a 55% variance. Property eligibility section on page 6 of the guidelines requires a desktop or field review when the FDS score of the AVM is greater than 1.0. The FDS score of the AVM provided is 2.8. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114449 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114450 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114451 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XXX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114452 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XXX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114453 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: AVM in file has a variance of -27.762%. Missing secondary valuation to support appraised value. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114454 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Pre-closing AVM does not support value at origination - EV R<br> COMMENT: The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXX,XXX, the AVM reflects a value of $XX,XXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114455 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114025 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114456 | XXXXXX | 3 | 1 | 1 | 3 | 3 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: Missing third party valuation to support the appraisal value within 10% variance. CU risk score 3.3.<br>\*\*\* (CURED) TRID- Initial CD delivery date test fail - EV R<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii). Although evidence was provided showing the consumer received the disclosure electronically, the consumer's consent to receive disclosures via email was not provided. Per regulation, creditors using electronic delivery methods, such as email, must also comply with § 1026.38(t)(3)(iii) (consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act). The defect can be cured by providing the E-consent. " |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114457 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114458 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114459 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114460 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114461 | XXXXXX | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: As per guidelines all members of 25% ownership and more need to be on loan application and credit evaluated, husband and 50% owner of LLC signed Mortgage and was not on application with spouse. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114462 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The guidelines, section 5.7.3, states that the articles of organization are required for an XXX. The articles of organization are missing from the loan file, please provide the completed Articles of Organization for XXX X XXXXXXXX XXXX XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114463 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The guidelines, section 5.7.3, states that for an XXX a certificate of good standing is required. The certificate of good standing for XXXX XXXX XXX is missing from the loan file. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114464 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Mortgage missing / unexecuted - EV R<br> COMMENT: The file is missing the fully executed Mortgage. No mortgage provided in original file.<br>\*\*\* (CURED) Note is missing or unexecuted - EV R<br> COMMENT: The file is missing the fully executed Note. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114465 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114466 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Mortgage missing / unexecuted - EV R<br> COMMENT: The Security Instrument (Mortgage/Deed of Trust) is missing. The defect can be resolved by providing the executed missing document.<br>\*\*\* (CURED) Note is missing or unexecuted - EV R<br> COMMENT: The Note is missing. The defect can be resolved by providing the executed missing document. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114467 | XXXXXX | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Missing Documentation - EV B<br> COMMENT: The guidelines, section 14.3.1, states that the borrower has to show a minimum of 1 year of experience managing short term rentals. The borrower provided lease agreements showing their managing experience, but all the lease agreements are for long term rentals. Please provide minimum of 1 year experience in managing short term rentals. | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The title insurance included in the loan file is $XXX,XXX and the mortgage amount is $XXX,XXX, the amount of title insurance is not sufficient. Please provide updated title. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114468 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Condo / PUD rider Missing - EV R<br> COMMENT: The subject property is a PUD according to the appraisal and the loan file is missing the PUD Rider to the mortgage.<br>\*\*\* (CURED) Mortgage missing / unexecuted - EV R<br> COMMENT: The loan file is missing the Mortgage/Deed of Trust.<br>\*\*\* (CURED) Note is missing or unexecuted - EV R<br> COMMENT: The loan file is missing the Note. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114469 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114470 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114471 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) HUD-1 Closing Statement missing or unsigned - EV R<br> COMMENT: The file is missing the final HUD |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114472 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114473 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114474 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114475 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The preliminary title report on page 378 of the loan file did not list title insurance coverage for the loan amount of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114476 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114477 | XXXXXX | 3 | 2 | 3 | 3 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Missing Documentation - EV B<br> COMMENT: Per Guidelines, section 14.3.1, a lease is required when appraisal reflects property is tenant occupied; however, the lease is missing. | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: The file did not contain a UCDP to determine the CU score. Per guidelines, section 4.4, an additional valuation is required; however, there is no additional valuation. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114478 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The title commitment's proposed coverage is less than the subject loan amount. The final title policy is not in file currently. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114479 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Property Issues indicated - EV R<br> COMMENT: The interior photos of the subject property show the borrower is running their business out of the subject property. The borrower is the owner of XXXX XXXXXX, which is merchandise sales. Interior photos of the subject property shows the living room and dining room of the subject property are set up like a store, which shelves of merchandise with prices are shows. Also, the garages photos shows multiple shelves with boxes of merchandise and the rear view photo of the subject property shows a lot more boxes and a blue tarp covering something, which could be additional merchandise or property issues, appraiser did not make a comment of what was behind the tarp. Subject property is being used as a business. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114480 | XXXXXX | 3 | 2 | 3 | 3 | 1 | 2 | 2 | 1 | \*\*\* (OPEN) Original LTV (OLTV) does not meet eligibility requirement(s) - EV B<br> COMMENT: The LTV of 90% exceeds the maximum allowable of 80% for a score between 700-760. It is to be noted, the loan file contains an approved exception allowing for the increased LTV based on reserves and rental housing payment history.<br>\*\*\* (OPEN) Property Issues indicated - EV B<br> COMMENT: Per lender guidelines for non-Warrantable condos, the developer may be in control of the condominium association provided the Master Agreement provides for the homeowners to take control upon either a predetermined percentage of unit sales or within a defined time period. The Condo Questionnaire (p.446) states there is no estimated date the transfer will occur. Additionally, it states the project is not 100% complete and is subject to additional phases with X,XXX total units at build out and only XXX units sold and closed. Lender guidelines for Non-Warrantable Condos states the project, or the subject's legal phase along with other phases, must be complete. All common elements in the project or legal phase must be 100% completed. At least 50% must be sold or under a bona-fide contract. | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The preliminary title does not reflect the policy amount to verify it is sufficient for the loan amount of $XXX,XXX.<br>\*\*\* (CURED) DTI > 60% - EV R<br> COMMENT: 1008/1003 reflects self-employed income of $XX,XXX6/month. Origination income is not supported. Audit income is $X,XXX.XX/month. This results in a DTI of 77.716% which exceeds guideline maximum of 50%. It appears at origination, the 50% expense ratio was not utilized as required by guidelines. Additionally, there are four of the 12 months with deposits of $0 which does not establish stable earnings.<br>\*\*\* (CURED) DTI (Back) Ratio does not meet eligibility requirement(s) - EV R<br> COMMENT: 1008/1003 reflects self-employed income of $XX,XXX/month. Origination income is not supported. Audit income is $X,XXX.XX/month. This results in a DTI of 77.716% which exceeds guideline maximum of 50%. It appears at origination, the 50% expense ratio was not utilized as required by guidelines. Additionally, there are four of the 12 months with deposits of $0 which does not establish stable earnings.<br>\*\*\* (CURED) DTI/Residual income outside of guidelines (ATR) - EV R<br> COMMENT: 1008/1003 reflects self-employed income of $XX,XXX.XX/month. Origination income is not supported. Audit income is $X,XXX.XX/month. This results in a DTI of 77.716% which exceeds guideline maximum of 50%. It appears at origination, the 50% expense ratio was not utilized as required by guidelines. Additionally, there are four of the 12 months with deposits of $0 which does not establish stable earnings. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114481 | XXXXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 | \*\*\* (OPEN) Mortgage history for primary residence less than 12 months - EV B<br> COMMENT: The borrower was previously renting for one year documented with a VOR from a Management Company showing no late payments from XX/XX/XXXX-XX/XXXX (p.36). The loan file contains the rental lease from her current rental commencing XX/XX/XXXX for $XXX/month (p.37) from a private party. The loan file contains a letter from the landlord reflecting all payments are timely (p.47) and a letter from the borrower explaining how payments were made (p.48) along with a detailed list from XX/XX/XXXX-XX/XX/XXXX (p.49); however, the loan file is missing the canceled checks, online printout from bill pay or bank statements to verify timely payments in the most recent 12 months as required by Lender SFR Underwriting Guidelines (p.40).<br>\*\*\* (OPEN) Original LTV (OLTV) does not meet eligibility requirement(s) - EV B<br> COMMENT: Per the lender matrix, for an LTV of 75% a credit score is 680 is required. The borrower has a credit score of 645 which does not meet the requirements for the LTV of 75%. The loan file contains an approved exception allowing for the LTV of 75% with 645 FICO based on the housing history of 0x30 and low revolving debt and housing market trending up (p.1). It is to be noted, housing history was not verified.<br>\*\*\* (OPEN) Qualifying Credit Score does not meet eligibility requirement(s) - EV B<br> COMMENT: Per the lender matrix, for an LTV of 75% a credit score is 680 is required. The borrower has a credit score of 645 which does not meet the requirements for the LTV of 75%. The loan file contains an approved exception allowing for the LTV of 75% with 645 FICO based on the housing history of 0x30 and low revolving debt and housing market trending up (p.1). It is to be noted, housing history was not verified. | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The loan file is missing page 1 of the XXXXX XXXXX statement ending XX/XX/XXXX for account #XXXX which shows the withdrawal of the EMD.<br>\*\*\* (CURED) TRID- Initial CD delivery date test fail - EV R<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD issued on XX/XX/XXXX was not received by the consumer 3-business days prior to consummation and a waiver was not provided. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation or a waiver stating why consummation took place prior to the 3-day rule. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114482 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114483 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Application Missing - EV R<br> COMMENT: The final loan application is missing from the loan file.<br>\*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: The guidelines section 4.1 requires an ARR, CDA or XXXX CU risk score of 2.5 or better (less). The file is missing evidence of the CU score and did not include an ARR or CDA. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114484 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Application Missing - EV R<br> COMMENT: The loan file is missing the loan application. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114485 | XXXXXX | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Loan does not conform to program guidelines - EV B<br> COMMENT: Borrower has purchased XX properties in the past month. Per guidelines maximum number of properties financed is 4 without committee approval. |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114486 | XXXXXX | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Loan does not conform to program guidelines - EV B<br> COMMENT: Borrower has purchased XX properties in the past month. Per guidelines maximum number of properties financed is 4 without committee approval. | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The note, loan application, 1008, and data tape reflect a loan amount of $XXX,XXX. The deed of trust on page 229 reflects a loan amount of $XXX,XXX. The loan file is missing a deed of trust reflecting the correct loan amount of $XXX,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114487 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114488 | XXXXXX | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Loan does not conform to program guidelines - EV B<br> COMMENT: Borrower has purchased XX properties in the past month. Per guidelines maximum number of properties financed is 4 without committee approval. |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114489 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114490 | XXXXXX | 3 | 2 | 3 | 3 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Loan does not conform to program guidelines - EV B<br> COMMENT: Borrower has XX properties purchased within the last month with Lender. Per guidelines, max number of properties financed is 4 without committee review. | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: The loan guidelines on page 12 require a XXXXX XXXXXXX CDA (or similar) supporting the appraised value within 10% when only one full appraisal is required and the CU score ≥ 2.5 or there is no CU score. The subject property appraised for $XXX,XXX on XX/XX/XXXX. The loan file did not contain a UCDP or CDA or similar supporting the appraised value within 10%. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114491 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114492 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114493 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: The guidelines section 4.1 requires an ARR, CDA or XXXX CU risk score of 2.5 or better (less). The file is missing evidence of the CU score and did not include an ARR or CDA.<br>\*\*\* (CURED) Borrower(s) Rental Loss Insurance Requirement (Fail) - EV R<br> COMMENT: The guidelines, section 3.1 requires rent loss coverage in the amount of 6 months or $X,XXX, using the market rent of $XXX. The file included evidence of homeowners located on page 401 and did not reflect rent loss of $X,XXX. The rent loss coverage is short by $X,XXX.<br>\*\*\* (CURED) Missing Title evidence - EV R<br> COMMENT: File did not contain Title documents. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114494 | XXXXXX | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Loan does not conform to program guidelines - EV B<br> COMMENT: Borrower has XX properties purchased within the last month with Lender. Per guidelines, max number of properties financed is 4 without committee review. |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114495 | XXXXXX | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Loan does not conform to program guidelines - EV B<br> COMMENT: Borrower has purchased XX properties in the past month. Per guidelines maximum number of properties financed is 4 without committee approval. |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114496 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Note data is missing or inaccurate - EV R<br> COMMENT: The loan file is missing page 3 of the Note. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114497 | XXXXXX | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Loan does not conform to program guidelines - EV B<br> COMMENT: Borrower has purchased XX properties in the past month. Per guidelines maximum number of properties financed is 4 without committee approval. |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114498 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Note is missing or unexecuted - EV R<br> COMMENT: The Note is not signed by borrowers. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114499 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: The guidelines dated 10/15/2021 on page 12 section 4.4 state when only one full appraisal is required and the CU score ≥ 2.5 or there is no CU score: A XXXXX XXXXXXX CDA (or similar) supporting the appraised value within 10% is required. The loan file is missing a UCDP and a CDA or similar supporting the appraised value within 10%. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114500 | XXXXXX | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Loan does not conform to program guidelines - EV B<br> COMMENT: Borrower has purchased XX properties in the past month. Per guidelines maximum number of properties financed is 4 without committee approval. |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114501 | XXXXXX | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Loan does not conform to program guidelines - EV B<br> COMMENT: Borrower has XX properties purchased within the last month with Lender. Per guidelines, max number of properties financed is 4 without committee review. |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114502 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: The loan file did not include a desktop or UCDP. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114503 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114504 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114505 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: The guidelines section 4.1 requires an ARR, CDA or XXXX CU risk score of 2.5 or better (less). The file is missing evidence of the CU score and did not include an ARR or CDA. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114506 | XXXXXX | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Loan does not conform to program guidelines - EV B<br> COMMENT: Borrower has purchased XX properties in the past month. Per guidelines maximum number of properties financed is 4 without committee approval. |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114507 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114508 | XXXXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 |  | \*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Points. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114509 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114510 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114511 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114512 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114513 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: Missing secondary valuation. UCDP report not in loan file, no CU Score reported. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114514 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Cash reserves less than required by guidelines - EV R<br> COMMENT: Per Final CD borrower required cash at closing $XX,XXX.XX. Total Assets verified $93,846.00. Required 3 months reserves to PITI $7,517.40 plus additional 2 months PITI reserves for other property with PITIA $4,110.48. ($11,627.88) $10,877.88 Reserve Shortage. Verified $750.00 |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114515 | XXXXXX | 3 | 1 | 1 | 3 | 3 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: Non-QHEM Underwriting Guidelines dated 816/2021 reflects "Appraisals must have a SSR score of ≤ 2.5. If greater or no SSR, a CDA will be required." The file is missing the CDA.<br>\*\*\* (CURED) Missing evidence of TRID Disclosure Delivery - EV R<br> COMMENT: A revised disclosure was not provided to the consumer within 3 business days of the rate lock date, 11/5/2021. Per regulation, when there is a rate lock, the creditor must provide a revised disclosure within three business days.<br>\*\*\* (CURED) Missing TRID RESPA Disclosures - EV R<br> COMMENT: This loan failed the revised loan estimate delivery date test (prior to consummation) (12 CFR §1026.19(e)(4)(ii)) The Loan Estimate was not received by the borrower at least four business days prior to the Consummation Date. The LE issued on XX/XX/XXXX was signed and dated XX/XX/XXXX. The defect can be cured by providing evidence that shows the disclosure was received by the consumer 4-business days prior to the consummation date XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required.<br>\*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the revised LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the addition to the following fees on XX/XX/XXXX did not reset the baseline: Mortgage Broker Fee. The violation may be cured if documentation is provided showing the disclosure was delivered timely. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114516 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: Missing secondary valuation. UCDP reports missing from file, no CU score reported. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114517 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114518 | XXXXXX | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 2 | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV B<br> COMMENT: The CD issued on XX/XX/XXXX (with $XX,XXX.XX cash to close) is inaccurate; page 5 is missing.<br>\*\*\* (OPEN) Original CLTV does not meet eligibility requirement(s) - EV B<br> COMMENT: Max CLTV per guidelines is 75% - Lender approved a 5% LTV/CLTV exception<br>\*\*\* (OPEN) Original LTV (OLTV) does not meet eligibility requirement(s) - EV B<br> COMMENT: Max CLTV per guidelines is 75% - Lender approved a 5% LTV/CLTV exception |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114519 | XXXXXX | 3 | 2 | 3 | 1 | 3 | 1 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV B<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements. | \*\*\* (CURED) Missing Doc - EV R<br> COMMENT: Missing verification of homeowners insurance for property located at XXX-XXX XXXXXX XXX and proof of the property located at XXXX XXXXX XXX owned free and clear with no mortgages<br>\*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the decrease to lender credits on XX/XX/XXXX did not reset the baseline. The violation may be cured if documentation is provided showing the disclosure was delivered timely.<br>\*\*\* (CURED) TRID- Initial CD delivery date test fail - EV R<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114520 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114521 | XXXXXX | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV B<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114522 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114523 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114524 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Borrower(s) Rental Loss Insurance Requirement (Fail) - EV R<br> COMMENT: The guidelines, section 3.1 requires rent loss coverage in the amount of 6 months or $XX,XXX, using the market rent of $X,XXX. The file included evidence of homeowners located on page 303 reflecting rent loss of $XX,XXX. The rent loss coverage is short by $X,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114525 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114526 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Application Missing - EV R<br> COMMENT: The initial and final applications are both missing to be able to verify information needed. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114527 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Borrower(s) Hazard Insurance Requirements (Fail) - EV R<br> COMMENT: The guidelines, section 3.1.2 requires insurance coverage must be equal to 100% of the insurable value of the improvements as established by the insurer or coverage amounts as determined by calculation from a full appraisal. The file included evidence of insurance located on page 271, reflecting total coverage amount of $XXX,XXX. The file did not include evidence of the reconstruction cost estimate. The appraisal, located on page 4 reflects the cost new as $XXX,XXX. The evidence of insurance is short, required coverage in the amount of $XXX,XXX.<br>\*\*\* (CURED) Missing Title evidence - EV R<br> COMMENT: The updated Title is missing from the loan file. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114528 | XXXXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 |  | \*\*\* (CURED) TRID- Initial CD delivery date test fail - EV R<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). The initial CD is missing from the loan file. The earliest CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114529 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114530 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) HUD-1 Closing Statement missing or unsigned - EV R<br> COMMENT: HUD-1 in loan file is not executed or stamped original.<br>\*\*\* (CURED) Not all borrowers signed HUD - EV R<br> COMMENT: Final HUD-1 in loan file is not signed by the borrower. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114531 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114532 | XXXXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing TRID RESPA Disclosures - EV R<br> COMMENT: There is no clear evidence of an initial application date in the file. The earliest 1003 in the file was prepared XX/XX/XXXX1; however, the file contains documents dated prior to this date. Auditor is unable to determine the true initial application date and therefore, can't determine if the following were disclosed within 3 business days from the application date (where applicable): Initial LE, Service Provider List, ARM Loan Program Disclosure, CHARM Booklet, Home Loan Toolkit, Homeownership Counseling Disclosure. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114533 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Borrower(s) Rental Loss Insurance Requirement (Fail) - EV R<br> COMMENT: The guidelines, section 3.1 requires rent loss coverage in the amount of 6 months or $XX,XXX.XX, using the market rent of $X,XXX.XX. The file included evidence of homeowners located on page 187 reflecting rent loss of $XX,XXX.XX. The rent loss coverage is short by $X,XXX. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114534 | XXXXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 |  | \*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee. A cost to cure in the amount of $XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114535 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114536 | XXXXXX | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV B<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114537 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Property value and predominant value vary by more than 50% - EV R<br> COMMENT: The Predominant value is outside the High and Low prices noted in the appraisal Neighborhood section. Low $1,100,000 and High $1,450,000. The Predominant $4,320,000. Appraiser to address. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114538 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114539 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114540 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114541 | XXXXXX | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV B<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114542 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114543 | XXXXXX | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Mortgage history for primary residence less than 12 months - EV B<br> COMMENT: The borrower was previously renting for one year documented with a VOR from a Management Company showing no late payments from XX/XX/XXXX-XX/XXXX (p.36). The loan fil | \*\*\* (CURED) VOM or VOR missing/required - EV R<br> COMMENT: VOR Missing from loan file. Per Guideline: Asset Qualifier. Document 12 months rental history within the three years prior to application showing 0x30 late. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114544 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114545 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114546 | XXXXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) The lender credit decreased on the CD issued on1/4/22 without a valid change of circumstance. A cost to cure in the amount of $836.40 is required. The defect can be cured by reimbursing the consumer or by providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br>\*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the Mortgage Broker Fee and Points-Loan Discount Fee on disclosure XX/XX/XXXX was not accepted. Although the change appears to be valid, because a COC was not provided, auditor is unable to determine if the revised disclosure was provided within 3 business days of the change. A cost to cure in the amount of $XXXX.XX is required. The defect can be cured by reimbursing the consumer or by providing a date for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114547 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114548 | XXXXXX | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Borrower(s) LTV Requirement (Fail) - EV B<br> COMMENT: LTV of 75% was calculated using purchase price of $X,XXX,XXX.XX. DSCR score is 0.66. Qualifying score is 677. Per investor cash flow matrix, DSCR scores less than 1.0 states that a purchase with a qualifying score between 640 and 679 has a max LTV of 70%.<br>\*\*\* (OPEN) Original CLTV does not meet eligibility requirement(s) - EV B<br> COMMENT: 75% LTV/CLTV was calculated using purchase price of $X,XXX,XXX.XX. DSCR score is 0.66. Qualifying score is 677. Per investor cash flow matrix, DSCR scores less than 1.0 states that a purchase with a qualifying score between 640 and 679 has a max LTV of 70%.<br>\*\*\* (OPEN) Original LTV (OLTV) does not meet eligibility requirement(s) - EV B<br> COMMENT: LTV of 75% was calculated using purchase price of $X,XXX,XXX.XX. DSCR score is 0.66. Qualifying score is 677. Per investor cash flow matrix, DSCR scores less than 1.0 states that a purchase with a qualifying score between 640 and 679 has a max LTV of 70%. |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114550 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) HUD-1 Closing Statement missing or unsigned - EV R<br> COMMENT: The loan file was missing the final HUD-1 or Closing Disclosure. The HUD-1 was required to document the loan closed and disbursed according to the loan approval terms.<br>\*\*\* (CURED) Mortgage not properly executed - EV R<br> COMMENT: The loan file was missing the Notary Acknowledgment of the signatures of the Co-mortgagors on the Mortgage and Riders. The Notarized signatures were required to verify the named individuals did execute the Mortgage. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114551 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114552 | XXXXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 |  | \*\*\* (CURED) Income documentation does not meet guidelines - EV R<br> COMMENT: The borrower is moving from DC to CA and the start date of the new job with XXXXXXXXXXX XX XXXX XXXXX is XX/XX/XXXX which is after the subject loan's closing date ofXX/XX/XXXX. The loan file contains the Job Offer Letter p.622 with the signed acceptance p.620, current employer verification of the start date p.616, and last 2 years of W2's p.266. The Guidelines Section 7.5.12.2 states: If the borrower will not begin employment until after loan closing, a pay stub may be obtained after closing when each of the following criteria is net. 1. PurXXXXX transaction. 2. Principal residence. 3. One-unit property. 4. Borrower is not employed by a family member or by an interested party to the transaction. 5. Borrower is qualified using only fixed based income. 6. Employment must begin within 60 days of closing. The borrower meets each of the 6 criteria. The loan file is missing the pay stub obtained after closing from University of Southern CA/Children's Hospital.<br>\*\*\* (CURED) TRID- Initial CD delivery date test fail - EV R<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii) The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114553 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114554 | XXXXXX | 2 | 2 | 1 | 2 | 1 | 1 | 2 | 1 | \*\*\* (OPEN) Property Type unacceptable under guidelines - EV 2<br> COMMENT: Lender approved exception in file for a Non-Warrantable Condo in a project that is incomplete. |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114555 | XXXXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 | \*\*\* (OPEN) DTI (Back) Ratio does not meet eligibility requirement(s) - EV 2<br> COMMENT: The loan file contains an Exception p.172 for the DTI of 50.434% exceeding the maximum allowed DTI of 45%. The Guidelines Homeowners Plus Matrix p.4 shows the maximum DTI is 45% for an Alt documentation loan with a loan amount under $2,000,000 and LTV under 85%. Compensating factors are: 720 Representative credit score exceeds the minimum required credit score of 620 by 100 Points, 13 months Reserves exceeds the minimum 3 months required by 10 months, and Borrower has $9,425.49 residual income after all expenses. | \*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed #2 - EV R<br> COMMENT: The loan is an HPML. Evidence that a copy of a written appraisal with interior photos and performed by a certified appraiser was provided to the consumer is missing. Per Regulation, a creditor shall provide to the consumer a copy of any written appraisal performed in connection with a HPML. The defect can be resolved by providing evidence that shows the consumer received a copy of the appraisal report.<br>\*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on was not accepted because a valid change of circumstance was not provided: Appraisal Fee (XX/XX/XXXX) and Transfer Taxes (XX/XX/XXXX). A cost to cure in the amount of $245. is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label).<br>\*\*\* (CURED) TRID- Initial CD delivery date test fail - EV R<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). The initial CD is missing from the loan file. The only CD's provided were issued XX/XX/XXXX. One is unsigned, and the other was signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114556 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114557 | XXXXXX | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Property Type does not meet eligibility requirement(s) - EV 2<br> COMMENT: The subject Condotel was an ineligible type under Investor Plus Guidelines Sec. 13.8.1. The loan file included the approved Exception Request Form utilizing 1) excess reserves and 2) DSCR at 1.29 - required DSCR 1.0 as compensating factors. The approval included Decision Rational as follows: Well established and maintained project. Fully sold out and minimal delinquency. Borrower reserves are 14 months with 9 required. DSCR coverage of 1.29 exceeds the required 1.0. | \*\*\* (CURED) HUD-1 Closing Statement missing or unsigned - EV R<br> COMMENT: The loan file was missing the Final HUD-1. The HUD-1 at pages 722-723 was not dated or executed by the Closing Agent or Borrower. The HUD-1 verifies the loan closed and disbursed according to the Loan Approval terms.<br>\*\*\* (CURED) Not all borrowers signed HUD - EV R<br> COMMENT: The loan file was missing the Final HUD-1. The HUD-1 at pages 722-723 was not dated or executed by the Closing Agent or Borrower. The HUD-1 verifies the loan closed and disbursed according to the Loan Approval terms. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114558 | XXXXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 2 | \*\*\* (OPEN) Missing TRID RESPA Disclosures - EV 2<br> COMMENT: The Service Provider List, issued on 12/27/2021, is inaccurate. The following is missing from the disclosure: provider information for Home Warranty Plan fee. Per Regulation Z, if the creditor permits a consumer to shop for a settlement service, the creditor must identify at least one provider of that service on the Service Provider List. The list must also contain sufficient information for the consumer to contact a provider for each required settlement service for which the consumer can shop. In addition, the document must state that the consumer may choose a different provider. Note: Failure to provide a service provider for a shoppable service on the Service Provider List is treated as not allowing the borrower to shop for that service. As a result, charged shoppable fees will be included in the 10% tolerance bucket."<br>\*\*\* (OPEN) Special information booklet is Missing - EV 2<br> COMMENT: There is no date evident on the Tool Kit provided in the loan file; auditor cannot determine if it was disclosed to the borrower within 3 business days of the application date, 12/27/21. The defect can be cured by providing evidence that shows the disclosure was provided within 3-business days of application. | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: Missing the CPA letter for a self-employed borrower<br>\*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fee(s) on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Points. A cost to cure in the amount of $8134 is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114559 | XXXXXX | 2 | 2 | 1 | 2 | 1 | 1 | 2 | 1 | \*\*\* (OPEN) Property Type unacceptable under guidelines - EV 2<br> COMMENT: Lender approved exception in the file for a Non-Warrantable Condo with > 60% owned as investment properties. |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114560 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114549 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114561 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114562 | XXXXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 | \*\*\* (OPEN) Missing Documentation - EV 2<br> COMMENT: The loan file contains an Exception p.664 for allowing the use of AUS with VOM on Private Mortgage 2nd. The Guidelines p.15 state if a borrower has a privately held mortgage all the following documentation is required: Payments must be verified with either canceled checks or bank statements AND a copy of the note is required to verify payment amount and due date. The loan file contains an LPA p.225 and a Promissory Note for WADOT p.580 which shows Interest Only payments are required with no specified amount. | \*\*\* (CURED) Missing income documentation (ATR) - EV R<br> COMMENT: The origination underwriter used monthly income of $XXXXX for the borrower. It appears that the 10% expense factor from the CPA letters p.473 and p. 474 was used to calculate the income. The Guidelines p.38 and p.39 show that if something other than the standard 50% expense factor is being used, Option 2 can be used to determine the income. This states that a 10% expense factor can be used with 12 months of business bank statements AND an expense statement specifying business expenses (minimum expense ratio is 10%) as a percent of the gross annual sales/revenue, prepared and signed by either a CPA/accountant, IRS Enrolled Agent, or tax preparer. The loan file is missing the expense statement described in Option 2.<br>\*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Points - Loan Discount Fee. A cost to cure in the amount of $2248 is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114563 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Mortgage history for primary residence less than 12 months - EV R<br> COMMENT: The final 1003 p.442 shows the borrower currently lives rent free. The loan file is missing documentation to explain why the borrower lives rent free. Compensating factors are: DTI is 26.686 below maximum DTI of 50%, Borrower has $11,263.85 residual income after all expenses, 785 Representative credit score exceeds the minimum required credit score of 660 by 125 Points, $37,516.72 reserves exceed the minimum required of $29,358 exceeds the minimum by 2.33 months over the required minimum. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114564 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The loan file is missing the borrower's Non-Permanent Resident card. Guidelines p.11 states:<br> Visa types allowed E-1, E-2, E-3, EB-5, G-1 through G-5, H-1, L-1, L-2, NATO, O-1, R-1, TN NAFTA.<br> • Visas must be current and have at least six (6) months remaining from the close date, if less than six (6) months provide evidence that extension has been requested.<br> • If the visa will expire within six (6) months of the loan application a letter from the employer stating the borrower's continued employment and continued visa renewal sponsorship. Employer on the loan application must be same on the unexpired visa. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114565 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114566 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Title commitment in the file shows the policy coverage of $XXXXXX, which is below the loan amount of $XXXXXX. Missing evidence of the final title policy to show sufficient coverage. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114567 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Settlement date is different from note date - EV R<br> COMMENT: The subject loan closed on XX/XX/XXXX, the HUD is dated XX/XX/XXXX, which reflects a funding date prior to closing date. The file did not include a revised HUD. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114568 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The loan file is missing a preliminary title or title policy reflecting the policy amount as the preliminary title p.791 does not reflect the amount. The loan amount is $XXXXXXX..<br>\*\*\* (CURED) Assets are not sufficient to close - EV R<br> COMMENT: The loan file is missing the source for the following large deposits into XXX XXXXX County chkg #XXXX-XX: XX/XX/XXXX $XXXXX, XX/XX/XXXX $XXXXX, and XX/XX/XXXX $XXXXX.<br>\*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The final 1003 p.427 shows the property at XXXX XXX XXX XXX, XXX XXXXX, CA will be sold on or before closing. The loan file contains a CD p.445 for the sale of this property; however, the CD is dated XX/XX/XXXX which is after the subject closing date of XX/XX/XXXX and the CD is not executed. Proof this property is sold on or before the subject closing date of XX/XX/XXXX. If this property was not sold on or before the subject closing, proof of the PITIA is needed to add to DTI. It should be noted that the inclusion of the PITIA for this property will increase the DTI over the maximum of 50%.<br>\*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The XXXXX Mortgage statements for the borrowers' current primary at XXXX XXX XXX XXX, XX XXXXX, CA p.642, 646, 650, 654 all show a deferred balance of $XXXXX.XX. The statements show payments are being made and the unpaid principal balance is going down each month. There is a letter from XXXXX dated XX/XX/XXXX p.637 which states the lender moved the unpaid principal and interest amounts to the end of the account term and changed the next payment date to bring the account up to date. The credit report p.240 does not show the mortgage is in forbearance and does not reflect any late payments. The Guidelines p.17 and 18 state a recent forbearance due to COVID-19 may be eligible based on the following: Borrowers who entered forbearance but continued to make timely payments and remained employed without income disruption, are eligible without any other requirements. The loan file is missing verification the borrower entered forbearance due to COVID-19 as the XXXXX letter does not state why the forbearance was entered into.<br>\*\*\* (CURED) Income documentation does not meet guidelines - EV R<br> COMMENT: The CPA letter p.456 indicates an expense factor of 45.6%. The Guidelines p.38 and p.39 show that if something other than the standard 50% expense factor is being used, Option 2 can be used to determine the income. This states that a 10% expense factor can be used with 12 months of business bank statements AND an expense statement specifying business expenses (minimum expense ratio is 10%) as a percent of the gross annual sales/revenue, prepared and signed by either a CPA/accountant, IRS Enrolled Agent, or tax preparer. The loan file is missing the expense statement described in Option 2.<br>\*\*\* (CURED) Missing asset documentation (ATR) - EV R<br> COMMENT: The final 1003 p.426 lists proceeds from real estate property to be sold on or before closing of $XXXXXXX and the property at XXXX XXX XXX, XXX XXXXX, CA is marked pending sale on the 1003 p.427. The loan file contains a CD p.445 for the sale of XXXX XXX XXX XXX, XXX XXXXX, CA which shows proceeds of $XXXXXX.XX. The CD is dated XX/XX/XXXX which is after the subject closing date of XX/XX/XXXX and the CD is not executed. The borrowers have verified assets of $68,030.84 and brought $XXXXXX.XX to closing per CD p.407 and need 6 months reserves of $60,309.96. The borrowers are short, verified funds to close by $XXXXXX.XX. Compensating factors are: 752 Representative credit score exceeds the minimum required credit score of 660 by 92 Points and Borrower has $XXXXX.XX residual income after all expenses.<br>\*\*\* (CURED) Missing flood cert - EV R<br> COMMENT: The loan file is missing the flood cert. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114569 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The loan file contains an Exception Request Form p.721 for FICO less than 680 for First Time Homebuyer and less than 660 for bank loan. Guideline p.7 shows the minimum score for purXXXXX or rate/term loan amounts under $XXXXXXX is 660. Per the XX/XX/XXXX credit report p.173, the qualifying score is 661. The subject loan is a rate/term refinance of a primary home which the borrowers inherited and have lived in for the past months. The loan file contains proof the borrowers have paid the current mortgage for those 12 months p.219 to 223.<br>\*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The subject loan is a rate/term refinance of a primary home which the borrowers inherited and have lived in for the past months. The 1008 p.722 has underwriter notes stating the borrowers inherited the subject. The loan file contains: an LOE for the borrowers paying current mortgage p.444, an LOE p.448 stating B2 inherited the subject, a mortgage statement with B2's name on it p.612, a contract for B2 buying out her sister's, XXX, half interest in the subject p.620, the father's Trust p.652 & 667, Death Cert p.627 for B2's father, the father's Will p.655 states B2 and her sister each get 50% of assets; however, it does not list what the assets consist of. The appraisal p.9 shows the Borrower as XXXXXXX XXXXXXXX and XXXXXXX X XXXXXXXX and the Owner of Public Record as XXXXXX X XXXXXXX. The loan file is missing court documentation showing B2 inherited the subject. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114570 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing proof of hazard insurance - EV R<br> COMMENT: The loan file (page 382) contains Farmers Insurance 360Value Replacement cost Valuation, insurance coverage must be equal to 100% of the insurable value of the improvements as established by the insurer ($XXXXXX.XX). The file did not include evidence of insurance. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114571 | XXXXXX | 2 | 2 | 1 | 2 | 1 | 1 | 2 | 1 | \*\*\* (OPEN) Property Type unacceptable under guidelines - EV 2<br> COMMENT: The appraisal on file, page 1, reflects that the subject property has a 5.33 acres on land. Per the applicable guidelines, page 17, require a maximum acreage limitations of two (2) acres. The loan file contains an exception approval form , page 481 |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114572 | XXXXXX | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Borrower(s) LTV Requirement (Fail) - EV 2<br> COMMENT: The guidelines allow a LTV of 70% for a cash out refinance with a credit score of 660-699. The borrowers qualifying score is 693 and the loan closed with an XX% LTV. The file included an approved exception for the increase of the LTV.<br>\*\*\* (OPEN) Original CLTV does not meet eligibility requirement(s) - EV 2<br> COMMENT: The guidelines allow a LTV of 70% for a cash out refinance with a credit score of 660-699. The borrowers qualifying score is 693 and the loan closed with an XX% LTV. The file included an approved exception for the increase of the LTV.<br>\*\*\* (OPEN) Original LTV (OLTV) does not meet eligibility requirement(s) - EV 2<br> COMMENT: The guidelines allow a LTV of 70% for a cash out refinance with a credit score of 660-699. The borrowers qualifying score is 693 and the loan closed with an XX% LTV. The file included an approved exception for the increase of the LTV. | \*\*\* (CURED) Missing proof of hazard insurance - EV R<br> COMMENT: The file is missing evidence of HO6 and master insurance. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114573 | XXXXXX | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Asset do not meet guidelines - EV 2<br> COMMENT: Per the final CD, the borrowers brought $1,681,420.16 cash to closing. Required reserves were $363,315.72. The borrowers had verified funds after closing of $291,167.40, which was not sufficient to meet the reserves requirement. There was an Exception Form in the file, p1066, dated 12/23/2021, for less than 12 months reserves (stated "just over 11 months" but Audit had only 9.62 months reserves).<br>\*\*\* (OPEN) Credit history does not meet guidelines - EV 2<br> COMMENT: The borrowers were refinancing a private lien, dated 04/26/2021. Per the borrowers' LOE, p781, they made some of their housing payments in cash. There was a VOM in the file, p565, indicating no late payments on the private lien. However, guidelines required evidence of timely housing payments on private liens with copies of cancelled checks or bank statements, and the cancelled checks in the file (p511) were only partial payments. There was an Exception Form in the file, p1066, dated 12/23/2021, for use of a VOM instead of cancelled checks or bank statements. |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114574 | XXXXXX | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Loan does not conform to program guidelines - EV 2<br> COMMENT: The subject loan was approved using business bank statement income to qualify. The bank statements provided show a total of 37 NSF fees in the past 12 months, which is not allowed per guidelines. Lender approved the exception (pg 726) on 12/30/2021.<br>\*\*\* (OPEN) Purpose does not meet eligibility requirement(s) - EV 2<br> COMMENT: Subject transaction is a cash out transaction on a rural located property, which is not acceptable per guidelines. Lender approved the exception (pg 726) on 12/30/2021. |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114575 | XXXXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: This loan failed the lender credits that cannot decrease. Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosure was delivered timely.<br>\*\*\* (CURED) Homeownership Counseling List - EV R<br> COMMENT: The Homeownership Counseling Disclosure (HOC) dated XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. The defect can be resolved by providing evidence that shows the disclosure was provided within 3-business days of application.<br>\*\*\* (CURED) Missing TRID RESPA Disclosures - EV R<br> COMMENT: The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXXwas not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure.<br>\*\*\* (CURED) Transmittal (1008) is Missing - EV R<br> COMMENT: The file was missing a 1008 (or equivalent document).<br>\*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely.<br>\*\*\* (CURED) TRID- SPL late - EV R<br> COMMENT: The Service Provider List issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. As a result, fees that the borrower could shop for were tested under 10% tolerance. The defect can be resolved by providing the SPL that was provided to the consumer within 3 business days of application |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114576 | XXXXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 |  | \*\*\* (CURED) Homeownership Counseling List - EV R<br> COMMENT: The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, 11/16/2021.The defect can be resolved by providing evidence showing the document was issued to the consumer within 3 business days of application.<br>\*\*\* (CURED) DTI (Back) Ratio does not meet eligibility requirement(s) - EV R<br> COMMENT: 1008/1003 reflects base pay of $XXXX, Social Security income of $XXX and positive cash flow for the subject (4 family) of $XXXX.XX for total qualifying income of $XXXXX.XX. Origination income is not supported. Audit income is base pay of $XXXX, social security of $XXX.XX and positive cash flow for the subject three units of $XXXX for total income of $XXXXX.XX. The loan file contains the four current leases for the subject property as well as signed Estoppel for continued tenancy for three and termination of tenancy for one unit that the borrower will reside in. The leases are all on a month-to-month basis and higher than the market rent on the subject. Per lender guidelines, proposed rental income from a 1007 may be used for qualifying on the purXXXXX. As the leases are only month to month, the market rent from the appraisal was used per guidelines. This results in a DTI of 52.469%, which is within guideline max.<br>\*\*\* (CURED) DTI/Residual income outside of guidelines (ATR) - EV R<br> COMMENT: 1008/1003 reflects base pay of $XXXX, Social Security income of $XXX and positive cash flow for the subject (4 family) of $XXXX.XX for total qualifying income of $XXXXX.XX. Origination income is not supported. Audit income is base pay of $XXXX, social security of $XXX.XX and positive cash flow for the subject three units of $XXXXX for total income of $XXXXX.XX. The loan file contains the four current leases for the subject property as well as signed Estoppel for continued tenancy for three and termination of tenancy for one unit that the borrower will reside in. The leases are all on a month-to-month basis and higher than the market rent on the subject. Per lender guidelines, proposed rental income from a 1007 may be used for qualifying on the purXXXXX. As the leases are only month to month, the market rent from the appraisal was used per guidelines. This results in a DTI of 52.469%, which is within guideline max.<br>\*\*\* (CURED) Missing TRID RESPA Disclosures - EV R<br> COMMENT: The transaction funded prior to consummation. Per the CD issued XX/XX/XXXX, the transaction funded on XX/XX/XXXX; however, consummation took place on XX/XX/XXXX. The defect can be resolved by providing the true funding date.<br>\*\*\* (CURED) Missing TRID RESPA Disclosures - EV R<br> COMMENT: A revised disclosure was not provided to the consumer within 3 business days of the rate lock date, XX/XX/XXXX. Per regulation, when there is a rate lock, the creditor must provide a revised disclosure within three business days.<br>\*\*\* (CURED) Special information booklet is Missing - EV R<br> COMMENT: The Home Loan Toolkit is missing. Per Regulation, the Home Loan Toolkit must be provided to the borrower in connection with all purXXXXX loans. The defect may be cured by providing evidence that shows the consumer received the disclosure within 3 days of the application date, XX/XX/XXXX.<br>\*\*\* (CURED) TRID - SPL missing - EV R<br> COMMENT: The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL.<br>\*\*\* (CURED) TRID- Initial LE timing fail - EV R<br> COMMENT: The initial and/or any revised Loan Estimate is missing. As a result, a full review for compliance with timing and tolerance requirements could not be performed. The defect can be cured by providing the initial and any revised Loan Estimates that were issued to the consumer.<br>\*\*\* (CURED) VVOE > 10 days prior to Note date - EV R<br> COMMENT: The loan file is missing the VVOE dated within 10-business days of the Note. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114577 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing proof of hazard insurance - EV R<br> COMMENT: Unable to verify homeowners coverage per no homeowners declarations page in file. Borrower elected to not escrow taxes and insurance. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114578 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114579 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Assets are not sufficient to close - EV R<br> COMMENT: Per the final CD, the borrower brought $XXXXX.XX cash to closing. Required reserves were $43,962.60. The borrower had verified personal funds of $XXXXX.XX, which was insufficient to meet asset requirements. The borrower had $XXXXX.XX in a XXXXXX XXX business account, but the file was missing proof the borrower was the sole proprietor or at least 50% owner for the funds to be eligible for use. The borrower had $XXXXXX.XX in an XXXXXX XXXXXX XXXXXX Inc business account, but the file was missing proof the borrower was the sole proprietor or at least 50% owner for the funds to be eligible for use.<br>\*\*\* (CURED) Collections, liens or judgments not paid at closing - EV R<br> COMMENT: The file was missing documentation the collection for $XXXX.XX (p247) was paid prior to or at closing.<br>\*\*\* (CURED) Missing asset documentation (ATR) - EV R<br> COMMENT: Per the final CD, the borrower brought $XXXXX.XX cash to closing. Required reserves were $43,962.60. The borrower had verified personal funds of $XXXXX.XX, which was insufficient to meet asset requirements. The borrower had $XXXXX.XX in a XXXXXX XXX business account, but the file was missing proof the borrower was the sole proprietor or at least 50% owner for the funds to be eligible for use. The borrower had $XXXXXX.XX in an XXXXXX XXXXXX XXXXXX business account, but the file was missing proof the borrower was the sole proprietor or at least 50% owner for the funds to be eligible for use.<br>\*\*\* (CURED) Missing income documentation (ATR) - EV R<br> COMMENT: The file was missing proof of the borrower's ownership percentage of XXXXXXX XXX (minimum 25% required to use the income for qualification; percentage required to calculate income).<br>\*\*\* (CURED) Missing sufficient employment documentation (ATR) - EV R<br> COMMENT: The file was missing proof of two years self-employment. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114580 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114581 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Assets are not sufficient to close - EV R<br> COMMENT: Per the PCCD, the borrower brought $XXXXXX.XX cash to closing. The URLA indicated gift funds were being used and there was a gift funds letter in the file, p127. However, the file was missing documentation that gift funds in the amount of $XXXXXX.XX were given to the closing agent. Missing documentation that gift funds were applied either to closing agent or on borrowers account. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114582 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: NewFi lending guidelines dated 10/27/21 states the following: An appraisal review product is required on every loan unless a second appraisal is obtained, one of the three options below is acceptable: CDA from XXXXX XXXXXXX OR Collateral Underwriter (CU Score) less than 2.5 OR A field review or a second appraisal is also acceptable - These must be from a different company and appraiser than the first appraisal. The loan file only contained original appraisal and no CU score available with UCDP. Therefore requiring additional option from above. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114583 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Other Required mortgage rider missing - EV R<br> COMMENT: The Mortgage indicates a Waiver of Borrowers Rights and Closing Attorneys Affidavit Riders are required to be executed by the borrower. The mortgage, located on page 186 did not include the required Riders. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114584 | XXXXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing asset documentation (ATR) - EV R<br> COMMENT: The subject loan requires 12-months of reserves due to the LTV being more than XXX% per the Guidelines p.23. The borrower has verified assets of $200,259.54 in bank accounts. Closing funds needed are $XXXXXX.XX and 12-months of reserves are $114,924.36, leaving the borrower short of verified funds by $XXXXX.XX. The final 1003 p.579 shows the borrower received a gift. The loan file contains a gift letter p.430 showing the gift of $XXXXXX.XX is from the borrower's fiancée, XXXXXXX XXXXXXXX. A receipt from title p.428 shows funds of $XXXXXX.XX from the borrower and XXXXXXXX XXXXXXXX was received by the title company. The gift amount covers the funds needed for closing, which would leave the sufficient verified funds in the bank accounts to cover the reserves. However, the loan file is missing proof of the gift donor's ability to give the gift.<br>\*\*\* (CURED) Missing income documentation (ATR) - EV R<br> COMMENT: The lender used 2 business bank accounts for XXXXXXXXXXX XX XXXX XXXX, Inc to calculate the income per the 2 income worksheets p.624 and p.625. The loan program is XXXXX XXXXXXX NQM 24-month bank statements. The Income Worksheet for XXX checking #8854 p.624 shows less than 24 months with 19 months of statements, p.108 XX/XX/XXXX, p.154 XX/XX/XXXX, p.170 XX/XX/XXXX, p.128 XX/XX/XXXX, p.166 XX/XX/XXX, p.104 XX/XX/XXXX, p.198 XX/XX/XXXX, p.192 XX/XX/XXXX, p.184 XX/XX/XXXX, p.148 XX/XX/XXXX, p.132 XX/XX/XXXX, p.176 XX/XX/XXXX, p.112 XX/XX/XXXXX, p.142 XX/XX/XXXX, p.98 XX/XX/XXXX, p.124 XX/XX/XXXX, p.138 XX/XX/XXXX, p.158 XX/XX/XXXX, p.94 XX/XX/XXXX.<br>\*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fee(s) on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee. A cost to cure in the amount of $XXXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114585 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114586 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114587 | XXXXXX | 3 | 1 | 1 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraised value not supported. Form Type and CU Score - EV R<br> COMMENT: Missing third party valuation to support the appraisal value within 10% variance. FNMA UCDP CU risk score 2.7. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114588 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114589 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114590 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Income Worksheet - EV R<br> COMMENT: The loan file is missing the lender income worksheet. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114591 | XXXXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) ComplianceEase Exceptions Test Failed #2 - EV B<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements.<br>\*\*\* (OPEN) Missing Documentation - EV B<br> COMMENT: The 1008 p.653 has an underwriter comment that there is an Exception for FICO for First Time Homebuyer (FTHB) and the loan file contains the Exception for FICO for FTHB p.652. The Guidelines p.12 show a First Time Homebuyer requires a FICO of at least 680. Per the credit report p.218, the borrower's FICO is 675. | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The final 1003 p.323 shows the borrower is renting at the current primary home for $XXXX a month. Section 5 #A of the 1003 p.327 says the borrower has had ownership interest in another property in the last three years. The loan file contains an Exception for FICO for XXXX p.652 and an 18-month rental payment history p.232. Section 5 #A of the 1003 may need to be corrected as it appears the borrower is a First Time Homebuyer.<br>\*\*\* (CURED) Credit history insufficient/does not meet guidelines (ATR) - EV R<br> COMMENT: Per the final 1003 p.323, the borrower rents at the current primary home at XXXX X XXXXXXXXXX XX, XXXXX XXXXXXXX, GA. The Guidelines page 15 states rental history can be documented with a VOR completed by a professional management company or if the landlord is a private party, 12-months of bank statements or canceled checks AND the rental agreement to verify the payment amount and due date. The loan file is missing the rental lease for XXXX X XXXXXXXXX XX, XXXXX XXXXXXXX, GA to verify the monthly rent amount of $XXXX.<br>\*\*\* (CURED) Missing Doc - EV R<br> COMMENT: The Note p.335, Mortgage p.311, CD p.306, final 1003 p.323 are all signed for the borrower, XXXXXXX XXXXXX, by XXXXXXX XXXX-XXXXXX with a POA. The loan file is missing the POA for this transaction. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114592 | XXXXXX | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Loan does not conform to program guidelines - EV 2<br> COMMENT: Borrower contributed only 5% of funds. Guidelines require 10% contribution by borrower. Lender approved exception. |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114593 | XXXXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing evidence of TRID Disclosure Delivery - EV R<br> COMMENT: A revised disclosure was not provided to the consumer within 3 business days of the rate lock date, XX/XX/XXXX. Per regulation, when there is a rate lock, the creditor must provide a revised disclosure within three business days.<br>\*\*\* (CURED) Missing income documentation (ATR) - EV R<br> COMMENT: The file was improperly underwritten to the 1099 documentation requirements (guidelines, p25), but the borrower was not a former W2 employee who transitioned to a 1099 position. XXXXXXXXX is a health products company that sells its products through independent contractors. Per CPA letter (p397) and borrower's LOE (p396), the borrower was self-employed under her business name, XXXXX & XXXXXXXXXXX, XXX., and used that business to distribute XXXXXXXXXX products. XXXXXXXXXXX issued 1099-NECs to the borrower's company, not the borrower, which further supports she should have been underwritten under full SE documentation. The file was missing the most recent two years' 1040s, and a borrower prepared YTD P&L. Additionally, business checking account statements for the most recent two months need to support the P&L sales figures and 1040 income figures. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114594 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114595 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: Per underwriter notes on the 1008 p.400, the borrower is refinancing the subject which is his current primary home to get cash out to purXXXXX a new primary home. The final 1003 p.325 lists an investment property at XXXX XXXXXXXX XX, XXXX XXXXX, FL with XXXXX XXXXXXX listed as the mortgage company and the note that it is a new loan. The loan file is missing documentation verifying XXXX XXXXXXXXX XX, XXXX XXXXX, FL is the property the borrower is purchasing as the new primary home. If XXXX XXXXXXXX XX, XXXX XXXXX, FL will not be the new primary home, the file is missing documentation for the PITIA for this property.<br>\*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The subject loan is a refinance of the borrower's current primary home at XXXX XXXXXX XX, XXXXXXX XXXXX, FL which will become an investment property. Per underwriter notes on the 1008 p.400, the borrower is refinancing the subject to get cash out to pur XXXXX a new primary home. The subject will become an investment property. Section 5 Declaration of the final 1003 p.327 is marked Yes, the borrower will occupy the property as the primary home. The loan file is missing the corrected Section 5 Declaration page marked No to the borrower will occupy the property as the primary home. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114596 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114597 | XXXXXX | 3 | 1 | 3 | 3 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: The appraisal p.31 shows the subject is not in a flood area; however, it also shows the flood zone as AE. The subject is located on a canal next to the XXXX XXXXX. The Flood Cert p.361 shows the flood zone as AE which requires flood insurance. The loan file is missing a correction to the appraisal showing the subject is in a flood area. Compensating factors are: 743 Representative credit score exceeds the minimum required credit score of 660 by 83 Points, $67,671.30 reserves exceed the minimum required of $20,202.30 exceeds the minimum by 14 months over the required minimum, and Borrower has $XXXX.XX residual income after all expenses.<br>\*\*\* (CURED) Income documentation does not meet guidelines - EV R<br> COMMENT: The final 1003 p.443 shows the borrowers are using rental income from an investment property at XXXX XXXXXX XX, XXXXXX, FL. The loan file contains a copy of the $XXXXrent check p.265 and the lease p.627. Guidelines p.29 state rental income from other properties must be documented with the borrower's most recent signed federal income tax return that includes Schedule E. The loan file is missing the most recent signed federal income tax return that includes Schedule E. Compensating factors are: 743 Representative credit score exceeds the minimum required credit score of 660 by 83 Points, $67,671.30 reserves exceed the minimum required of $XXXXX.XX exceeds the minimum by 14 months over the required minimum, and Borrower has $XXXX.XX residual income after all expenses.<br>\*\*\* (CURED) Missing income documentation (ATR) - EV R<br> COMMENT: The final 1003 p.443 shows the borrowers are retaining the current primary home at XXXX XXXXXX XX, XXXXXX, FL as an investment property. Rental income is being used for this property. Guideline p.15 states 3 items are required when rent income is being used form a retained current residence: Copy of the lease, proof of receipt of deposit or first month's rent, and evidence the rent is near market, either a 1007 or other underwriter or loan officer obtained confirmation of market rent. The loan file is missing the evidence the rent is near market. Compensating factors are: 743 Representative credit score exceeds the minimum required credit score of 660 by 83 Points, $67,671.30 reserves exceed the minimum required of $20,202.30 exceeds the minimum by 14 months over the required minimum, and Borrower has $XXXX.XX residual income after all expenses. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114598 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114599 | XXXXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing evidence of TRID Disclosure Delivery - EV R<br> COMMENT: A revised disclosure was not provided to the consumer within 3 business days of the rate lock date, XX/XX/XXXX. Per regulation, when there is a rate lock, the creditor must provide a revised disclosure within three business days. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114600 | XXXXXX | 3 | 2 | 3 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Income documentation does not meet guidelines - EV B<br> COMMENT: Per lender guidelines, if there are 0 occurrences in the most recent three months, then five occurrences are allowed for NSF's. The most recent three months of the borrower's business statements have 0 occurrences; however, in the last 12 months there are six occurrences, which exceeds guidelines. It is to be noted, the file contains an unsigned exception approval for the number of NSF over 5 (p.662). |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114601 | XXXXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing TRID RESPA Disclosures - EV R<br> COMMENT: A revised disclosure was not provided to the consumer within 3 business days of the rate lock date, XX/XX/XXXX. Per regulation, when there is a rate lock, the creditor must provide a revised disclosure within three business days.<br>\*\*\* (CURED) Mortgage history for primary residence less than 12 months - EV R<br> COMMENT: The final 1003 p.394 shows the borrower are renting their current primary home with zero dollars in the rent amount. The loan file is missing a rent-free letter.<br>\*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees was not accepted because the change was not disclosed within 3-business days: Points - Loan Discount Fee. The change occurred on XX/XX/XXXX; however, the disclosure was not issued until XX/XX/XXXX. A cost to cure in the amount of $XXXX.XX is required. The defect can be cured by reimbursing the consumer or providing evidence that the change was disclosed within 3-business days. If curing with a reimbursement, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114602 | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) Credit history insufficient/does not meet guidelines (ATR) - EV R<br> COMMENT: The credit report reflected two consumer accounts were in a consumer credit counseling service at the time of the loan application - XXXXX/XXX #XXXX (p201) and XXXXX/XXXX #XXXXXX (p203) - and the latter did not appear to meet guideline requirements. Specifically, the file was missing a CCCS administrator letter (XXXXX/XXXX #XXXXX was not included in the letter for the other debt, p225) AND the credit report indicated payments for the most recent 12 months were not timely (9x60 days later). |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114603 | XXXXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) The decrease to the lender credit on disclosure issued XX/XX/XXXX was not accepted because the change occurred on XX/XX/XXXX. The consumer was not provided the disclosure within 3 days of the change. A cost to cure in the amount of $XXXX.XX is required. The defect can be cured by reimbursing the consumer or providing evidence that shows the change was disclosed within 3-business days of the change or If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br>\*\*\* (CURED) Missing Documentation - EV R<br> COMMENT: The final 1003 Section 5 Declarations p.342 and p.343 show the borrower and co-borrower are both co-signers or guarantors on a debt or loan that is not disclosed on the application. The Letter of Explanation from the co-borrower p.379 states that this question was marked yes by mistake. The loan file is missing wither the documentation for the debt the borrower is responsible for OR a Letter of Explanation from the borrower stating that this question was marked yes by mistake.<br>\*\*\* (CURED) Income documentation does not meet guidelines - EV R<br> COMMENT: The loan file is missing the CPA letter reflecting the ownership percentage of each borrower in the business, Your XXXX XXXXXX XXXXXXXX XXX.<br>\*\*\* (CURED) Missing income documentation (ATR) - EV R<br> COMMENT: The final 1003 p.340 shows rental income of $XXXX being used for the investment property at XXXX XXXXX XXX XXXX, XXXXXX XXXX, FL. Guidelines p.29 state rental income from other properties must be documented with the borrower's most recent signed federal income tax return that includes Schedule E. Lease are required for all properties where rental income is being used to qualify. The loan file is missing the most recent signed federal income tax return that includes Schedule E AND the lease for XXXX XXXXX XXX XXXX, XXXXXX XXXX, FL.<br>\*\*\* (CURED) Missing TRID RESPA Disclosures - EV R<br> COMMENT: A revised disclosure was not provided to the consumer within 3 business days of the rate lock date, XX/XX/XXXX. Per regulation, when there is a rate lock, the creditor must provide a revised disclosure within three business days.<br>\*\*\* (CURED) TRID - Zero tolerance violation - EV R<br> COMMENT: This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees was not accepted because the change was not disclosed within 3-business days: Points. The change occurred on XX/XX/XXXX; however, the disclosure was not issued until XX/XX/XXXX. A cost to cure in the amount of $XXXX.XX is required. The defect can be cured by reimbursing the consumer or providing evidence that the change was disclosed within 3-business days. If curing with a reimbursement, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114604 | XXXXXX | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) DTI (Back) Ratio does not meet eligibility requirement(s) - EV 2<br> COMMENT: The approved file DTI was 48.611% (Audit had 47.071%). The maximum DTI for a FTHB was 45.00% and te file contained an exception (p574,) for the DTI exceeding the program maximum. The exception was dated 12/23/2021 with one compensating factor of reserves exceeding guideline requirements.<br>\*\*\* (OPEN) DTI/Residual income outside of guidelines (ATR) - EV 2<br> COMMENT: The approved file DTI was 48.611% (Audit had 47.071%). The maximum DTI for a FTHB was 45.00% and te file contained an exception (p574,) for the DTI exceeding the program maximum. The exception was dated 12/23/2021 with one compensating factor of reserves exceeding guideline requirements. |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114605 | XXXXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 |  | \*\*\* (CURED) Missing evidence of TRID Disclosure Delivery - EV R<br> COMMENT: This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f)(1)(ii))The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well.<br>\*\*\* (CURED) Missing income documentation (ATR) - EV R<br> COMMENT: The origination underwriter used monthly income of $XXXXX for the borrower. It appears that the 10% expense factor from the CPA letter p.392 was used to calculate the income. The Guidelines p.38 and p.39 show that if something other than the standard 50% expense factor is being used, Option 2 can be used to determine the income. This states that a 10% expense factor can be used with 12 months of business bank statements AND an expense statement specifying business expenses (minimum expense ration is 10%) as a percent of the gross annual sales/revenue, prepared and signed by either a CPA/accountant, IRS Enrolled Agent, or tax preparer. Using the 50% expense factor results in monthly income of $XXXX.XX which is a DTI of 70%. The loan file is missing the expense statement described in Option 2. Compensating factors are: High Credit Score of 785 and High Residual Income of $7,674.17/month. |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114606 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114607 | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114608 | XXXXXX | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Income documentation does not meet guidelines - EV B<br> COMMENT: 1008/1003 reflected qualifying combined SE and wage income of XXXXX for the borrower. Audit income was wage income of $XXXXX (overtime not included) and 1099 income of $XXXXXX, for total audit income of $XXXXX. Origination income was not supported. The file contained an Exception Form, p562, to allow the underwriter to combine 24 months of 1099 and wage income for qualification. However, the borrower only had a history of receiving overtime pay from her wage employment for less than 12 months (guidelines required 24 months history) and the exception did not include the use of overtime income in the qualifying calculations. DTI with corrected income still within guidelines. |  |  |

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## Exhibit 99.4

#### Exception Level

#### Run Date - 4/18/2022

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Recovco Loan ID** | **Loan # 1** | **Loan # 2** | **Alt Loan ID** | **Exception Category** | **Exception Sub-Category** | **Exception Status** | **Exception Grade** | **Loan Exception ID** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Seller Comments** | **Reviewer Comments** | **Exception Remediation** | Opus Status (Opus Decision for Resolved Status Col G - Validated or Unvalidated) | Opus Comments |
| XXXXXX | XXXXXX | XXXXXX | 54920251114038 | Credit | Credit | Resolved | Resolved | A5FYGTK1OWE-O81CR1RX | Borrower(s) Reserves Requirement (Fail) | \* Borrower(s) Reserves Requirement (Fail) (Lvl R) | The Matrix dated 10/25/2021 on page 1 requires 6 months of PITI for a cash-out refinance. The lock form on page 867 shows a cash-out refinance transaction. The loan file required $10,093.02 in verified assets. The loan file did not contain any asset documentation and the HUD reflects $0 cash back at closing to the borrower. |  |  | 1/17/2022: Cleared, documentation provided. | 1/17/2022: Cleared, documentation provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114038 | Credit | Credit | Resolved | Resolved | A5FYGTK1OWE-T9232EW5 | Borrower(s) Months Reserves Requirement (Fail) | \* Borrower(s) Months Reserves Requirement (Fail) (Lvl R) | The Matrix dated 10/25/2021 on page 1 requires 6 months of PITI for a cash-out refinance. The lock form on page 867 shows a cash-out refinance transaction. The loan file required $10,093.02 in verified assets. The loan file did not contain any asset documentation and the HUD reflects $0 cash back at closing to the borrower. |  |  | 1/17/2022: Cleared, documentation provided. | 1/17/2022: Cleared, documentation provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114038 | Valuation | ValuationWaterfall | Resolved | Resolved | A5FYGTK1OWE-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | The guidelines on page 12 state when only one full appraisal is required and the CU score ≥ 2.5 or there is no CU score: A XXXXX XXXXXXX CDA (or similar) supporting the appraised value within 10%. If the CDA comes in ≥ 10% below the appraised value, then a field review ordered from a provider approved by theLender is required. The loan file is missing a secondary valuation supporting the appraised value. |  |  | 1/13/2022: Cleared, documentation provided. | 1/13/2022: Cleared, documentation provided. | Validated | Valuation data provided |
| XXXXXX | XXXXXX | XXXXXX | 54920251114039 | Compliance | Compliance | Active | 2: Acceptable with Warnings | KQPW1CPNY4G-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |  |  | Validated | HPML classification is an informational finding, not a regulatory violation. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114042 | Credit | Credit | Resolved | Resolved | 33D3R1VWYW3-96FGM0XY | Borrower(s) Rental Loss Insurance Req (Fail) | \* Borrower(s) Rental Loss Insurance Requirement (Fail) (Lvl R) | The guidelines, section 3.1, states that the hazard insurance must include rent loss insurance equal to 6 months of the average monthly rents. The hazard insurance policy included in the file does not include rent loss insurance. |  | The lender provided evidence of rent loss. | 1/30/2022: Resolved<br>1/28/22 Finding remains | 1/30/2022: Resolved<br>1/28/22 Finding remains | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114043 | Credit | Credit | Resolved | Resolved | BM53DHJUPNO-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The guidelines, section 14.3.1 Refinance requires lease agreements if the appraisal reflects the subject as tenant occupied. The appraisal reflects the subject is tenant occupied with a months rent of $X,XXX for unit 3; however, the file does not include a copy of the lease agreement for unit 3, also the lease agreement that is included for unti 2 is expired. |  | 1/14/22 The Lender rebutted: Lease for unit #1 in file may also include unit #2 since rent is $XXXXXX and no lease for unit #2 is in file. Lease incoem is not used due to it appears to expire XX/XX/XXXX with no clause regarding renewal in file. So no actual lease income was used for units #1 and #2. Using rent survey only. We can see from the pics in the appraisal that these units have undergone a recent remodel. Unit #3 is actually the 2nd floor unit. Since there is no currect lease agreement in file for the unit #3 we did not use the $XXXXXX rentla income or use the market servey rent of $XXXXXX just to be conservative. | 1/14/22 exception resolved | 1/14/22 exception resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114045 | Credit | Credit | Active | 2: Acceptable with Warnings | T0BQW30GTGO-NUWHQML7 | Credit history inadequate/does not meet g/l (ATR) | \* Credit history insufficient/does not meet guidelines (ATR) (Lvl 2) | The guidelines, section 10.1, states that the credit report is required to establish seasoning of trade lines to meet minimum guidelines and the credit score. The credit report is missing from the loan file and could not be used to verify the credit history. |  | 02/07/2022: Finding Resolved. Seller provided copy of Credit Report dated XX/XX/XXXX | 02/07/2022: Finding Resolved. | 02/07/2022: Finding Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114045 | Credit | Doc Issue | Resolved | Resolved | T0BQW30GTGO-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl R) | The guidelines, section 10.1, states that the credit report is required to establish seasoning of trade lines to meet minimum guidelines and the credit score. The credit report is missing from the loan file. |  | 02/07/2022: Finding Resolved. The Seller provided the borrower's Credit Report dated XX/XX/XXXX. | 02/07/2022: Finding Resolved. | 02/07/2022: Finding Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114049 | Credit | Doc Issue | Resolved | Resolved | YVSOD4LRWDE-OPN6CQBU | Application Missing | \* Application Missing (Lvl R) | The initial and the final loan application are missing from the file. | XX LTV is below the maximum 70% LTV by X%.<br> DSCR ratio of 1.371 exceeds the minimum requirement of 0.0 by 1.371 points. | 03/02/2022: The Lender provided the Final Application copy executed by the Borrower dated XX/XX/XXXX, the closing date. | 03/01/2022: Resolved. The Lender provided the Final Application copy. | 03/01/2022: Resolved. The Lender provided the Final Application copy. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114052 | Credit | Doc Issue | Resolved | Resolved | D1N1ENYIGHG-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The loan amount is $XXX,XXX and the title insurance amount is $XXX,XXX. |  |  | 1/14/2022: Cleared, documentation provided | 1/14/2022: Cleared, documentation provided | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114053 | Credit | Doc Issue | Resolved | Resolved | CVXWAFUT4BG-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title insurance reflects an insured amount of $XXX,XXX, which is less than the loan amount of $XXX,XXX. |  | The lender provided evidence of title. | 1/30/2022: Finding Resolved | 1/30/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114054 | Credit | Doc Issue | Resolved | Resolved | GN4MYANCSEQ-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The loan amount is $XXX,XXX and the title insurance amount is $XXX,XXX. |  |  | 1/14/2022: Cleared, documentation provided | 1/14/2022: Cleared, documentation provided | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114055 | Credit | Title Issue | Resolved | Resolved | K0GBGGU5E4O-3MGROFI3 | Title issue | \* Title issue (Lvl R) | The Title Commitment reports the subject property is vested in "XXX XX XXX," the borrower's XXX. The Note and Mortgage are given by XXXXXXX XXXXXX, a single man. Provide the deed transferring the property to the borrower/mortgagor individually for review. |  |  | 1/14/2022: Cleared, documentation provided. | 1/14/2022: Cleared, documentation provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114055 | Credit | Credit | Resolved | Resolved | K0GBGGU5E4O-96FGM0XY | Borrower(s) Rental Loss Insurance Req (Fail) | \* Borrower(s) Rental Loss Insurance Requirement (Fail) (Lvl R) | The loan file was missing documentation of 6 months' Rental Insurance coverage. The Insurance Certificate, page 323, provided only $4,000 Additional Living Expense coverage. Provide documentation of 6 months loss of rents coverage required under Guidelines Sec. 3.1 for review. |  |  | 1/19/2022: Cleared, documentation provided. | 1/19/2022: Cleared, documentation provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114055 | Credit | Eligibility | Resolved | Resolved | K0GBGGU5E4O-AOA4RHKS | Property Type does not meet elig. requirement(s) | \* Property Type does not meet eligibility requirement(s) (Lvl R) | The Appraisal reflects all characteristics that classify the subject property as a Condotel, an ineligible property type under Guidelines Sec. 5.3. The HOA Insurance certificate, page 1066, insures a Hotel Without Restaurant. Provide a detailed description of the property use from the Appraiser for review. |  | The lender provided confirmation from the insurance company confirming that we have Pima insured as a condominium association. The portion that reads "hotel without restaurant" is a sub-class/program that Auto Owners uses. Please see the "Business Description" on the common declaration page reads "Condo Assn w/Rental". | 2/01/2022: Finding Resolved<br>1/24/22 Exception remains | 2/01/2022: Finding Resolved<br>1/24/22 Exception remains | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114055 | Valuation | Property | Resolved | Resolved | K0GBGGU5E4O-FSPW8MVQ | Property Issues indicated | \* Property Issues indicated (Lvl R) | The Appraisal reflects all characteristics that classify the subject property as a Condotel, an ineligible property type under Guidelines Sec. 5.3. The HOA Insurance certificate, page 1066, insures a Hotel Without Restaurant. Provide a detailed description of the property use from the Appraiser for review. |  | The lender provided confirmation from the insurance company confirming that we have Pima insured as a condominium association. The portion that reads "hotel without restaurant" is a sub-class/program that Auto Owners uses. Please see the "Business Description" on the common declaration page reads "Condo Assn w/Rental". | 2/01/2022: Finding Resolved<br>1/24/22 Exception remains | 2/01/2022: Finding Resolved<br>1/24/22 Exception remains | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114056 | Credit | Credit Worthiness | Resolved | Resolved | 5LPZTI2QGKY-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl R) | The guidelines section 10.6 requires housing history ratings must be obtained for the subject property and the borrower's primary residence. The file is missing evidence of the borrower's primary residence payment history |  |  | 1/19/2022: Cleared, documentation provided. | 1/19/2022: Cleared, documentation provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114057 | Credit | Doc Issue | Resolved | Resolved | HALMBIX0ISP-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The mortgage amount is $XXX,XXX and the title insurance amount is $XXX,XXX. |  |  | 1/14/2022: Cleared documentation provided | 1/14/2022: Cleared documentation provided | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114060 | Credit | Credit | Resolved | Resolved | L5JVGFCRM4R-O81CR1RX | Borrower(s) Reserves Requirement (Fail) | \* Borrower(s) Reserves Requirement (Fail) (Lvl R) | Per guidelines, 6 months reserves required. Assets in file documented at $4901.6, which is 2 months reserves. Missing additional asset documentation for sufficient reserves. |  | 2/1/22 The Lender is rebutting to use the funds the borrower is receiving from this transaction. The borrower is required $27,354.84 for 6 months reserves, including the $11,867.89 from this transaction | 1/27/2022: Exception Remains. The file included documented assets of $XXXXXX plus cash out proceeds in the amount of $XXXXXX for a total of $XXXXX. The file is short verified reserves in the amount $10,585.70. ($27354.82 required reserves ($4559.14\*6) - $16769.12 (total verified assets)<br>2/1/22 Finding remains | 1/27/2022: Exception Remains. The file included documented assets of $XXXXXX plus cash out proceeds in the amount of $XXXXXX for a total of $XXXXX. The file is short verified reserves in the amount $10,585.70. ($27354.82 required reserves ($4559.14\*6) - $16769.12 (total verified assets)<br>2/1/22 Finding remains | Unvalidated | The report does not include explanatory notes detailing how the exception was resolved. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114060 | Credit | Credit | Resolved | Resolved | L5JVGFCRM4R-T9232EW5 | Borrower(s) Months Reserves Requirement (Fail) | \* Borrower(s) Months Reserves Requirement (Fail) (Lvl R) | Per guidelines, 6 months reserves required. Assets in file documented at $4901.6, which is 2 months reserves. Missing additional asset documentation for sufficient reserves. |  | 02/07/2022: Finding Resolved. The Lender provided a post-closing Exception Approval form documenting Compensating Factors offsetting Reserves requirement:<br> FICO 20 points or more above requirement (711)<br> DSCR 1.25 or greater(1.623)<br> FICO 20 points or more above requirement<br> These were considered adequate compensating factors. | 1/27/2022: Exception Remains. The file included documented assets of $XXXXXX plus cash out proceeds in the amount of $XXXXXX for a total of $XXXXX. The file is short verified reserves in the amount $10,585.70. ($27354.82 required reserves ($4559.14\*6) - $16769.12 (total verified assets)<br>2/1/22 Finding remains | 1/27/2022: Exception Remains. The file included documented assets of $XXXXXX plus cash out proceeds in the amount of $XXXXXX for a total of $XXXXX. The file is short verified reserves in the amount $10,585.70. ($27354.82 required reserves ($4559.14\*6) - $16769.12 (total verified assets)<br>2/1/22 Finding remains | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114062 | Credit | Doc Issue | Resolved | Resolved | CCITRIELOIK-E48OQEEZ | HUD-1 Closing Statement missing or unsigned | \* HUD-1 Closing Statement missing or unsigned (Lvl R) | File did not contain a HUD-1 Closing Statement. |  | 2/8/22 The Lender provided the settlement statement for the correct property | 1/25/2022: Not cleared, the lender provided a HUD for property XXX XXXXXXX XXXX. The subject is XXX XXXXXX XX<br>2/8/22 Finding resolved | 1/25/2022: Not cleared, the lender provided a HUD for property XXX XXXXXXX XXXX. The subject is XXX XXXXXX XX<br>2/8/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114062 | Credit | Doc Issue | Resolved | Resolved | CCITRIELOIK-ZSOV6EYX | Not all borrowers signed HUD | \* Not all borrowers signed HUD (Lvl R) | File did not contain a HUD-1 Closing Statement. |  | 2/8/22 The Lender provided the settlement statement for the correct property | 1/25/2022: Not cleared, the lender provided a HUD for property XXX XXXXXXX XXXX. The subject is XXX XXXXXX XX<br>2/8/22 Finding resolved | 1/25/2022: Not cleared, the lender provided a HUD for property XXX XXXXXXX XXXX. The subject is XXX XXXXXX XX<br>2/8/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114064 | Credit | Credit | Active | 2: Acceptable with Warnings | B3I1CJC0OTL-VADECRA3 | Borrower(s) LTV Requirement (Fail) | \* Borrower(s) LTV Requirement (Fail) (Lvl 2) | Investor cash flow matrix shows that max loan to value for a rural property is 70%. Appraisal on page 3 shows that the subject property is in a rural area. LTV was calculated using the appraised value of $XXX,XXX and loan amount of $XXX,XXX for a loan to value of XX% which is 5% over maximum. | 0x30 mortgage history for 24 months<br> Representative Credit score exceeds the minimum credit score by 25 points (711 actual, 680 required)<br> DSCR exceeds guideline requirement .391 over the required. Actual 1.391%, required 1.0<br> Borrower has owned subject investment property 11 years<br>|  | 1/24/2022: Finding Waiver Applied; Final Grade EV B | 1/24/2022: Finding Waiver Applied; Final Grade EV B | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114066 | Compliance | Compliance | Resolved | Resolved | HY5QJUWKWAA-5ARCFLMQ | TRID CD at consummation | \* TRID CD at consummation (Lvl R) | The file does not contain evidence that a CD was provided on the day the mortgage was signed and notarized. The last CD available in the file was issued on XX/XX/XXXX and received by the consumer on XX/XX/XXXX. If a CD was provided at consummation, provide for testing. If CD was received electronically, please provide evidence of receipt as well as the e-Consent. |  | CD dated and signed XX/XX/XXXX | 3/4/2022 Cleared. The CD dated and signed XX/XX/XXXX resolved the violation. | 3/4/2022 Cleared. The CD dated and signed XX/XX/XXXX resolved the violation. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114066 | Credit | Guidelines | Active | 2: Acceptable with Warnings | HY5QJUWKWAA-6AYWZTAE | Loan does not conform to program guidelines | \* Loan does not conform to program guidelines (Lvl 2) | Per NONI Guideline gift fund must be from a relative on the Non-QHEM Products. (Pg. 669) Exception was approved for using gift funds from employer based on XXXX GLS for employer gifts. Total gift funds received from employer $XX,XXX.XX. The gift is about 10% of the purchase price and the borrower is bringing in the other 25% down payment from own funds. LTV 65%. Approval date XX/XX/XXXX. | XX% LTV is below the maximum 75% LTV by XX%.<br> DTI below 30%: DTI is 29% below maximum DTI of 50% by 21%<br> 0x30 Rent history for 36 months. |  |  |  | Validated | The report does not include explanatory notes detailing how the exception was resolved. 10.08.2025 Received loan file with an approved Exception. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114066 | Compliance | Compliance | Resolved | Resolved | HY5QJUWKWAA-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl R) | This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))<br> Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. |  |  | 3/4/2022 Cleared. The CD dated and signed XX/XX/XXXX resolved the violation. | 3/4/2022 Cleared. The CD dated and signed XX/XX/XXXX resolved the violation. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114068 | Credit | Credit | Resolved | Resolved | SYMJKOBKTS4-96FGM0XY | Borrower(s) Rental Loss Insurance Req (Fail) | \* Borrower(s) Rental Loss Insurance Requirement (Fail) (Lvl R) | Per the NONI guidelines effective on 10/25/21, section 3.1, rent loss coverage is required in the amount of 6 months or $XX,XXX using the leased rent of $X,XXX. The file included evidence of homeowners insurance located on page 200 reflecting rent loss coverage of $XX,XXX. The rent loss coverage is short by $XX,XXX. |  | 1/19/22 Per The Lender's updated guidelines dated 10/25/21, rental loss is now calculated by using 6 months PITI, no longer using 6 months rental income<br>PITI $2,109.22 x 6 =$12,655.32, Rental loss insurance coverage $15,000 | 1/19/22 Exception resolved | 1/19/22 Exception resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114072 | Credit | Eligibility | Active | 2: Acceptable with Warnings | YTVSIOLNCJK-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl 2) | (Pg. 732) Loan Approval/Exception as of XX/XX/XXXX1. Cash-Out refinance max DTI is 50%, Exception requested to increase to 51.62% due to customer not wanting to go any lower with LTV. Compensation Factors: LTV Low, Credit is good, Has been in business over 5 years. Lender DTI 50.814%. Lender miscalculated monthly Interest Only payment based on 40 year term with a monthly P&I Payment $XXXXXX and miscalculated other monthly debts $XXXXXX (pg. 93 of 117) Underwriting Guidelines . A 40 year term loan would qualify based on a 30 year term. Audit recalculated monthly P&I payment $XXXXXX and recalculated other debts from credit report. Other debt monthly payment $XXXXXX. Audit DTI 57.27% exceeds max DTI 50% and Exception DTI 51.62%. | Low LTV / CLTV - ltv is XXX vs 75% High Credit Score - Score is789 vs 680 required Excellent Credit History - well paid credits Length of Time at Employment - 6 years and 11 months with employer vs 2 years |  | 1/24/2022: Cleared. The rework of debts identifies two accounts that are authorized user accounts. DTI is now 55.7786% which is with exception provided by the client. | 1/24/2022: Cleared. The rework of debts identifies two accounts that are authorized user accounts. DTI is now 55.7786% which is with exception provided by the client. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114072 | Compliance | Compliance | Resolved | Resolved | YTVSIOLNCJK-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl R) | The loan failed the Right of Rescission test. The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation took place on XX/XX/XXXX and per the last revised CD/PCCD issued on XX/XX/XXX, the loan disbursed on XX/XX/XXXX. Loan could not disburse until after the end of the rescission period; rescission ended on XX/XX/XXXX. The defect can be cured by providing the true funding date. |  | 01/04/2022 PCCD issued XX/XX/XXXX provided | 01/05/2022 Cleared. The documentation provided is sufficient to resolve the finding.<br>| 01/05/2022 Cleared. The documentation provided is sufficient to resolve the finding.<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114074 | Credit | Doc Issue | Resolved | Resolved | 0LIYWG2JUAD-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title insurance is $XX,XXX but the loan amount is $XXX,XXX, the title insurance does not cover the total loan amount. |  |  | 01/10/2022: Cleared, documentation provided. | 01/10/2022: Cleared, documentation provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114076 | Credit | Doc Issue | Resolved | Resolved | CF1BK4LMM3I-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The Title reflects $XXX,XXX.XX in title insurance, the loan amount is $XXX,XXX.XX. |  |  | 1/27/2022: Resolved | 1/27/2022: Resolved | Validated | The report does not include explanatory notes detailing how the exception was resolved. 10.08.2025 Received loan file with a Title commitment reflecting $352,000. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114077 | Credit | Guidelines | Resolved | Resolved | 4WEDK4QMMWB-JLS636HP | Income documentation does not meet guidelines | \* Income documentation does not meet guidelines (Lvl R) | Missing copy of lease agreement. Per guidelines, copy of lease is required for a refinance when property is tenant occupied. Per Appraisal, property is tenant occupied. |  |  | 01/21/2022: Cleared, documentation provided | 01/21/2022: Cleared, documentation provided | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114079 | Compliance | Compliance | Active | 2: Acceptable with Warnings | TKIQJZC15SD-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |  |  | Validated | HPML classification is an informational finding, not a regulatory violation.  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114079 | Valuation | Value | Active | 2: Acceptable with Warnings | TKIQJZC15SD-K0LQ7SI2 | Property value and predominant value vary by more | \* Property value and predominant value vary by more than 50% (Lvl 2) | Entered exactly per the appraisal, with a CU score of 1.0 with Low risk | 11 months verified reserves<br>FICO score for grading of 758, 78 points above required minimum of 680 | Received UCDP with CU score | Findings Resolved | Findings Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114080 | Credit | Eligibility | Active | 2: Acceptable with Warnings | DIJH5IZRYMP-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl 2) | XX% LTV/CLTV exceeds 75% LTV/CLTV per guidelines, for a purchase with a DSCR<1.0. DSCR (DSCR is .931%) | 764 Representative Credit score exceeds 680 minimum credit score by 25 points<br> 50.386 months Reserves exceeds the 6 months reserves required.<br> 0x30 mortgage history - 37 mths reviewed.<br>| 1/24/22 The Lender's rebuttal is: Lease agreement shows rent at $XXXX per market rent on appraisal is $XXXX. $2350/PIT of $1880.19= DSCR of 1.2498-LTV within guidelines. Monthly PITI is $1661.93, taxes $XXXXXX and insurance $XXXXXX = $XXXXXX. $XXXXXX/$XXXXXX is .93 | 1/27/2022 Exception Remains<br>| 1/27/2022 Exception Remains<br>| Unvalidated | The report does not include explanatory notes detailing how the exception was resolved. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114080 | Credit | Eligibility | Active | 2: Acceptable with Warnings | DIJH5IZRYMP-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl 2) | XX% LTV exceeds 75% LTV per guidelines, for a purchase with a DSCR<1.0. DSCR (DSCR is .931%) | 764 Representative Credit score exceeds 680 minimum credit score by 25 points<br> 50.386 months Reserves exceeds the 6 months reserves required.<br> 0x30 mortgage history - 37 mths reviewed. | 1/24/22 The Lender's rebuttal is: Lease agreement shows rent at $XXXX per market rent on appraisal is $XXXX. $2350/PIT of $1880.19= DSCR of 1.2498-LTV within guidelines. Monthly PITI is $1661.93, taxes $XXXXXX and insurance $XXXXXX = $XXXXXX. $XXXXXX/$XXXXXX is .93 | 1/27/2022 Exception Remains. Market Rent $XXXX - Lease Rent $XXXX - Lease executed for 24 months XX/XX/XXXX-XX/XX/XXXX<br>| 1/27/2022 Exception Remains. Market Rent $XXXX - Lease Rent $XXXX - Lease executed for 24 months XX/XX/XXXX-XX/XX/XXXX<br>| Unvalidated | The report does not include explanatory notes detailing how the exception was resolved. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114080 | Credit | Credit | Active | 2: Acceptable with Warnings | DIJH5IZRYMP-VADECRA3 | Borrower(s) LTV Requirement (Fail) | \* Borrower(s) LTV Requirement (Fail) (Lvl 2) | Per guidelines, maximum LTV on a purchase for DSCR<1.0 is 75%. LTV of 80% exceeds guidelines. | Representative Credit score exceeds the minimum credit score by 25 points (764 actual, 680 required)<br> Market Rent $2350 - Lease $3100 - Lease executed for 24 months 11.01.2021-10.31.2023<br> 50.386 Reserves documented; 6 months reserves are required.<br>| Lender provided an approved exception to allow the use of the lease over the market rent, resulting in a 1.648% DSCR, which allows an 80% LTV. | 1/27/2022 Exception remains; Final Grade EV B<br>| 1/27/2022 Exception remains; Final Grade EV B<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114081 | Credit | Credit | Resolved | Resolved | C0SXLUNB4TT-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The guidelines, section 5.7.4. states that a certificate of good standing is required for corporations. The certificate of good standings is missing from the loan file. |  | The lender provided a copy of the certificate of good standing. | 1/27/2022: Resolved | 1/27/2022: Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114082 | Credit | Credit | Resolved | Resolved | NTO01UFGFPY-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The guidelines, section 6.1.1, states that the general requirements for a condo is a copy of the master property insurance and the master liability insurance. The master property insurance and the master liability insurance are missing from the loan file, please provide both of these policies. |  | 2/1/22 HOI polices found in file | 2/01/2022: Finding remains 2/1/22 Finding resolved | 2/01/2022: Finding remains 2/1/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114083 | Credit | Credit Worthiness | Active | 2: Acceptable with Warnings | PWAYCRKZSBU-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl 2) | The guidelines section 10.6 requires housing history ratings must be obtained for the subject property and the borrower's primary residence. The file is missing evidence of the borrower's primary residence payment history. | Compensating XX%, allowed 85%<br> FICO 20 points or more above required, 753, required 680. |  | 1/19/2022:Exception XX%, allowed 85% and FICO 20 points or more above required, 753, required 680. | 1/19/2022:Exception XX%, allowed 85% and FICO 20 points or more above required, 753, required 680. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114086 | Compliance | Compliance | Resolved | Resolved | LS0TEWA5YJO-1E29A8UN | TRID- SPL late | \* TRID- SPL late (Lvl R) | The Service Provider List issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. As a result, fees that the borrower could shop for were tested under 10% tolerance. The defect can be resolved by providing the SPL that was provided to the consumer within 3 business days of application. |  | 01/28/2022 The initial application was received. | 02/04/2022 Cleared. The initial application was received with the initial application date of XX/XX/XXXX. The Service Provider List is valid. | 02/04/2022 Cleared. The initial application was received with the initial application date of XX/XX/XXXX. The Service Provider List is valid. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114086 | Compliance | Compliance | Resolved | Resolved | LS0TEWA5YJO-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | This loan failed the charges that in total cannot increase more than 10%. Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures delivered timely.<br>This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely.<br>This loan failed the lender credits that cannot decrease. Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosure was delivered timely. |  |  | 2/4/22 Finding resolved | 2/4/22 Finding resolved | Unvalidated | The report does not include explanatory notes detailing how the exception was resolved. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114086 | Compliance | Disclosures | Resolved | Resolved | LS0TEWA5YJO-BNMOTPNR | Disclosures | \* Homeownership Counseling List (Lvl R) | The Homeownership Counseling Disclosure (HOC) dated XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. The defect can be resolved by providing evidence that shows the disclosure was provided within 3-business days of application. |  | 01/28/2022 The initial application was received. | 02/04/2022 Cleared. The initial application was received with the initial application date of XX/XX/XXXX. The homeownership counseling disclosure is valid. | 02/04/2022 Cleared. The initial application was received with the initial application date of XX/XX/XXXX. The homeownership counseling disclosure is valid. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114086 | Compliance | Compliance | Active | 2: Acceptable with Warnings | LS0TEWA5YJO-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |  |  | Validated | HPML classification is an informational finding, not a regulatory violation.  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114086 | Compliance | Compliance | Resolved | Resolved | LS0TEWA5YJO-YF1S1X5R | TRID- Initial LE timing fail | \* TRID- Initial LE timing fail (Lvl R) | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure. |  | 01/28/2022 The initial application was provided. | 02/04/2022 Cleared. The initial application was provided and shows the initial application date of XX/XX/XXXX. This is within the 3 days of the Initial LE sent out on XX/XX/XXXX. | 02/04/2022 Cleared. The initial application was provided and shows the initial application date of XX/XX/XXXX. This is within the 3 days of the Initial LE sent out on XX/XX/XXXX. | Validated | The report does not include explanatory notes detailing how the exception was resolved. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114088 | Credit | Guidelines | Resolved | Resolved | RLMAPVQEY4I-6AYWZTAE | Loan does not conform to program guidelines | \* Loan does not conform to program guidelines (Lvl R) | The investor cash flow matrix states that first time home buyers are not eligible. The 1003 page 130 indicates borrower has had ownership interest in a property within the last 3 years however, there are no mortgages on credit report, no list of property owned on the 1003 and no supporting documents in the loan file. |  | 02/04/2022: Finding Resolved. FICO 20 points or more above requirement; DSCR 1.25 or greater. | 02/04/2022: Finding Resolved. | 02/04/2022: Finding Resolved. | Unvalidated | The report does not include explanatory notes detailing how the exception was resolved. 10.08.2025 received loan file.Missing evidence the borrower is not a FTHB. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114089 | Credit | Credit | Resolved | Resolved | EO5RASJH2VZ-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The guidelines, section 5.7.3, states that the articles of organization are required for an LLC. The articles of organization are missing from the loan file. |  | The lender provided the certificate of formation | 1/30/2022: Finding Resolved | 1/30/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114094 | Credit | Credit | Resolved | Resolved | HB0XGPGDMUK-JE421Y2Y | Borrower(s) Hazard Insurance Requirements (Fail) | \* Borrower(s) Hazard Insurance Requirements (Fail) (Lvl R) | The guidelines, section 3.1.2 requires insurance coverage must be equal to 100% of the insurable value of the improvements as established by the insurer or coverage amounts as determined by estimate of new cost calculation from a full appraisal. The file included evidence of insurance located on page 225, reflecting total coverage amount of $XXX,XXX. The file did not include evidence of the reconstruction cost estimate. The appraisal, located in the Original file reflects the cost new as $XXX,XXX. The evidence of insurance is short, required coverage in the amount of $XXX,XXX |  | A replacement cost estimator could not be obtained due to an addition to Florida Statute 626.9551 effective July 1, 2021 that states no one (including Lender) may require an insurance agency or agent to provide replacement cost estimator (RCE) or other insurance underwriting information in connection with a loan. Additionally, an insurance agent or agency is prohibited from supplying the RCE to anyone even the customer" | 1/27/2022: Resolved. | 1/27/2022: Resolved. | Unvalidated | The report does not include explanatory notes detailing how the exception was resolved. Unable to determine if shortage was acceptable to the lender. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114096 | Credit | Credit | Resolved | Resolved | TFP1HESUQ1K-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The guidelines, section 5.7.3, states that a certificate of good standing is required for a LLC. The certificate of good standing is missing from the loan file. |  | 02/11/2021: Finding Resolved. The lender provided the Certificate of Good Standing. | 02/11/2021: Finding Resolved. | 02/11/2021: Finding Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114097 | Credit | Credit | Resolved | Resolved | 5MD0WPQ4WKY-NUWHQML7 | Credit history inadequate/does not meet g/l (ATR) | \* Credit history insufficient/does not meet guidelines (ATR) (Lvl R) | The credit report is missing. |  |  | 3/29/2022: Resolved. Received credit report for the borrower | 3/29/2022: Resolved. Received credit report for the borrower | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114097 | Credit | Credit Worthiness | Active | 2: Acceptable with Warnings | 5MD0WPQ4WKY-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl 2) | Borrower sold previous residence i(XXXX XXX XXXXXX, XXXXXXXXXXXX, XX) in XX/XXXX, settlement statement for sale on page 536. Since moving to CT, borrower has been living with a relative/friend until purchasing the subject. Missing 3 months rental history as per approval dated XX/XX/XXXX. | 501 months verified reserves |  |  |  | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114097 | Credit | Doc Issue | Resolved | Resolved | 5MD0WPQ4WKY-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl R) | Missing credit report |  |  | 3/29/2022: Resolved. Received credit report for the borrower | 3/29/2022: Resolved. Received credit report for the borrower | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114101 | Credit | Assets Insufficient | Resolved | Resolved | 4RQYD2DP2OQ-ANWMID6Q | Cash reserves less than required by guidelines | \* Cash reserves less than required by guidelines (Lvl R) | Minimum of 3 months reserves required, only 0.27 months verified in file. 1008 states using cash out from investment property refinance for closing costs; no evidence of the cash out in file. | Length of Time at Employment is 6 years self-employed<br>New PITI is being reduced from current payment - Payment shock is -83.28%<br>| 1/20/22 The Lender provided HUD for XXX XXXXXXXXX XXXXXX, that closed on XX/XX/XXXX, where the borrower is receiving $XXXXX Cash in Hand | 1/5/2022: Not Cleared. Received CD for XXX XXXXXXXXXX XXX, reflecting borrower receipt of $XXXXX on settlement date of XX/XX/XXXX. Subject loan closed XX/XX/XXXX. The subject loan closed without verified required reserves.<br>1/6/22: Exception remains<br>1/20/22 Exception resolved | 1/5/2022: Not Cleared. Received CD for XXX XXXXXXXXXX XXX, reflecting borrower receipt of $XXXXX on settlement date of XX/XX/XXXX. Subject loan closed XX/XX/XXXX. The subject loan closed without verified required reserves.<br>1/6/22: Exception remains<br>1/20/22 Exception resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114101 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 4RQYD2DP2OQ-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |  |  | Validated | HPML classification is an informational finding, not a regulatory violation. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114102 | Credit | Legal Docs | Resolved | Resolved | L5ZFVKLZ3UX-M7LFC5UB | Guaranty | \* Guaranty is Missing (Lvl R) | All of the documents in the file were executed by XXXXXX. The signatures on the documents for XXXXX and XXXXXXXXX do not match the signature on their photo IDs (pages 131-132). All signatures match XXXXXXX signature (page 130) |  | 02/11/2022: Finding Resolved. The lender provided the executed Guaranty. | The file included a Guaranty (page 445); however, one person (Juliet) signed for all individuals. The borrower signed all the documents for the guarantors. The borrower (Juliet) signed all the documents for the additional guarantors. Limited Power of Attorney (page 457, Consent to the use of tax return (page 463) Initial escrow account (page 477), Signature Name Affidavit (page 480-481), W9 (page 491), First payment letter (page 497)<br> 02/11/2022: Finding Resolved.<br>| The file included a Guaranty (page 445); however, one person (Juliet) signed for all individuals. The borrower signed all the documents for the guarantors. The borrower (Juliet) signed all the documents for the additional guarantors. Limited Power of Attorney (page 457, Consent to the use of tax return (page 463) Initial escrow account (page 477), Signature Name Affidavit (page 480-481), W9 (page 491), First payment letter (page 497)<br> 02/11/2022: Finding Resolved.<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114102 | Credit | Credit | Resolved | Resolved | L5ZFVKLZ3UX-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl R) | The final 1003 for XXXXX (page 77) and XXXXXXXXX (page 80) were executed by XXXXXX, borrower 1. All of the documents in the file were executed by XXXXXX. The signatures on the documents for XXXXX and XXXXXXXXX do not match the signature on their photo IDs (pages 131-132). All signatures match XXXXXXX signature (page |  | Client provided 1003's signed by all parties. | 02/11/2022: Finding Remains.<br> 2.14.2022 Client provided 1003's signed by all parties. | 02/11/2022: Finding Remains.<br> 2.14.2022 Client provided 1003's signed by all parties. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114102 | Credit | Doc Issue | Resolved | Resolved | L5ZFVKLZ3UX-WZXMZIVC | Mortgage not properly executed | \* Mortgage not properly executed (Lvl R) | The loan closed with 3 guarantors. The mortgage (page 445) includes a signature line for each guarantor; however, the borrower signed for all three guarantors. All of the documents in the file were executed by Juliet. The signatures on the documents for XXXXX and XXXXXXXXX do not match the signature on their photo IDs (pages 131-132). All signatures match XXXXXXX signature (page 130) |  | 02/11/2022: Finding Resolved. The lender provided fully executed Mortgage. | 02/22/2022: Finding Waived. Document exception cleared with properly executed Mortgage provided by Seller. | 02/22/2022: Finding Waived. Document exception cleared with properly executed Mortgage provided by Seller. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114102 | Credit | Doc Issue | Resolved | Resolved | L5ZFVKLZ3UX-ZSOV6EYX | Not all borrowers signed HUD | \* Not all borrowers signed HUD (Lvl R) | All of the documents in the file were executed by XXXXXX. The signatures on the documents for XXXXX and XXXXXXXXX do not match the signature on their photo IDs (pages 131-132). All signatures match XXXXXXX signature (page |  | Client provided HUD signed by all parties. | 02/11/2022: Finding Remains.<br> 2.14.2022 - Client provided final HUD signed by all parties. Exception resolved. | 02/11/2022: Finding Remains.<br> 2.14.2022 - Client provided final HUD signed by all parties. Exception resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114104 | Credit | Credit | Resolved | Resolved | YTA50YJFKZX-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The HUD reflects address XX-XX XXXXX XXXXXX, the subject is XX-XX XXXXX XXXXXX |  | 03/07/2022: The Lender provided the executed Final HUD-1 showing the correct Property Location, Box G. | 03/07/2022: Resolved. | 03/07/2022: Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114104 | Valuation | Doc Issue | Resolved | Resolved | YTA50YJFKZX-SWGGJEY3 | Missing flood cert | \* Missing flood cert (Lvl R) | The flood certificate for the subject property is not found in the file documents. Guideline 3.2.1 Flood Zone Determination/Flood Certificate (pg. 12) indicates, "Determination whether a subject property is in a flood zone must be established by a Flood Certificate provided by XXXX." |  | 03/07/2022: The Lender provided the Flood Cert for the subject property, Zone X. | 03/07/2022: Resolved. | 03/07/2022: Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114104 | Credit | Credit | Resolved | Resolved | YTA50YJFKZX-YAADOLMF | Payment History and LOE for Delay | \* Payment History and LOE for Delay (Lvl R) | The file includes documentation supporting the completion of mortgage modifications over 36 months prior to the subject note date. The file does not include an LOX from the borrower addressing those occurrences. Guideline 10.15 Forbearance or Modification (pg. 35) indicates, "A letter of explanation from the borrower addressing the situation that made forbearance or modification necessary and that the situation requiring the forbearance or modification has passed." | 708 representative credit score exceeds the minimum required credit score of 680 by 28 points.<br> 0x30 mortgage history for 33 months. | The lender provided a LOE from the borrower. | 3.15.2022: Resolved | 3.15.2022: Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114107 | Credit | Credit | Resolved | Resolved | HNUW5JCVPH5-96FGM0XY | Borrower(s) Rental Loss Insurance Req (Fail) | \* Borrower(s) Rental Loss Insurance Requirement (Fail) (Lvl R) | The guidelines, section 3.1.2 requires rent loss coverage in the amount of 6 months or $XX,XXX, using the lease rent of $X,XXX. The file included evidence of homeowners located on page 564 reflecting rent loss of $0. The rent loss coverage is short by $XX,XXX. |  |  | 1/21/2022: Cleared, documentation provided | 1/21/2022: Cleared, documentation provided | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114107 | Credit | Doc Issue | Resolved | Resolved | HNUW5JCVPH5-E48OQEEZ | HUD-1 Closing Statement missing or unsigned | \* HUD-1 Closing Statement missing or unsigned (Lvl R) | The Hud-1 Closing Statement is missing from the loan file. |  |  | 1/21/2022: Cleared, documentation provided | 1/21/2022: Cleared, documentation provided | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114107 | Credit | Credit | Resolved | Resolved | HNUW5JCVPH5-JE421Y2Y | Borrower(s) Hazard Insurance Requirements (Fail) | \* Borrower(s) Hazard Insurance Requirements (Fail) (Lvl R) | The guidelines, section 3.1.2 requires insurance coverage must be equal to 100% of the insurable value of the improvements as established by the insurer or coverage amounts as determined by calculation from a full appraisal. The file included evidence of insurance located on page 420, reflecting total coverage amount of $XXX,XXX. The file did not include evidence of the reconstruction cost estimate. The appraisal, located in Original File reflects the cost new as $XXX,XXX. The evidence of insurance is short, required coverage in the amount of $XX,XXX. |  |  | 1/21/2022: Cleared, documentation provided | 1/21/2022: Cleared, documentation provided | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114107 | Credit | Doc Issue | Resolved | Resolved | HNUW5JCVPH5-ZSOV6EYX | Not all borrowers signed HUD | \* Not all borrowers signed HUD (Lvl R) | The Hud-1 Closing Statement is missing from the loan file. |  |  | 1/21/2022: Cleared, documentation provided | 1/21/2022: Cleared, documentation provided | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114111 | Credit | Credit | Resolved | Resolved | V3Z0K2FRNIM-5ENZSYCH | DTI/Residual income outside of guidelines (ATR) | \* DTI/Residual income outside of guidelines (ATR) (Lvl R) | The maximum DTI per lender guidelines is 50% based on loan program and credit score. The ratio is 58.5% using fully amortize PI per lender guidelines. | Low LTV<br> FICO score 20 points or more above requirement<br> DTI 10% under requirement<br> Length of employment over 5 years<br> Homeowner for 5 years<br> Residual Income |  | 3/9/2022: Remains. Received YTD P&L XXX-XXX XXXX but is over 60 days old at the time of closing. additional information needed<br> 3/14/2022: remains. received YTD P&L for XXX-XXX XXXX for the Co-borrower's business<br>3/21/2022: Received exception with compensating factors for DTI and unable to obtain an updated P&L. | 3/9/2022: Remains. Received YTD P&L XXX-XXX XXXX but is over 60 days old at the time of closing. additional information needed<br> 3/14/2022: remains. received YTD P&L for XXX-XXX XXXX for the Co-borrower's business<br>3/21/2022: Received exception with compensating factors for DTI and unable to obtain an updated P&L. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114111 | Credit | Guidelines | Active | 2: Acceptable with Warnings | V3Z0K2FRNIM-JLS636HP | Income documentation does not meet guidelines | \* Income documentation does not meet guidelines (Lvl 2) | Borrower 2 is self employed and XXXX 1040 in file was used for income. A YTD P&L to verify most recent year income is required per guidelines. | Low LTV<br> FICO score 20 points or more above requirement<br> DTI 10% under requirement<br> Length of employment over 5 years<br> Homeowner for 5 years<br> Residual Income |  | 3/9/2022: Remains. Received YTD P&L XXX-XXX XXXX but is over 60 days old at the time of closing. additional information needed<br> 3/14/2022: remains. received YTD P&L for XXX-XXX XXXX for the Co-borrower's business<br>3/21/2022: Received exception with compensating factors for DTI and unable to obtain an updated P&L. | 3/9/2022: Remains. Received YTD P&L XXX-XXX XXXX but is over 60 days old at the time of closing. additional information needed<br> 3/14/2022: remains. received YTD P&L for XXX-XXX XXXX for the Co-borrower's business<br>3/21/2022: Received exception with compensating factors for DTI and unable to obtain an updated P&L. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114114 | Credit | Doc Issue | Resolved | Resolved | NZMNUTFMEXG-ZSOV6EYX | Not all borrowers signed HUD | \* Not all borrowers signed HUD (Lvl R) | The Final HUD was not signed by the borrower. |  |  | 1/21/2022: Cleared, documentation provided. | 1/21/2022: Cleared, documentation provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114118 | Credit | Guidelines | Resolved | Resolved | Y4JDKHUP51W-VNE38QI3 | Mortgage/Rental lates exceed guidelines | \* Mortgage/Rental lates exceed guidelines (Lvl R) | Previous mortgage history with XXXX was 2x90 with last 24 months. (Pg. 837) Exception request 1/26/2022. Approved 10/11/2021. Exception: Borrower has credit dept since XX/XXXX; currently has paid $XXXX mortgage as agreed from XX/XX/XXXX through present. Rolling Navient student loan late payments and each student loan is reported individually, however,, these loans are paid with one monthly payment, reported late on each loan. Borrower has 2x120x12 student loan installment debt and time share deed in lieu treated as installment/charge off. 2x90 mortgage lates drop off in less than 60 days from origination of loan. An exception for borrower and the broker who has a strong relationship with the Lender. Request Compensation factors: Borrower currently employed for 20+ years, Housing DTI and LTV less than 80%. Decision Compensation Factors, Low DTI. | XX% LTV is below the maximum 80 LTV by 3.23%.<br>High Residual Income: Borrower has $6,147.00 residual income after all expenses. |  | 3/17/2022: Resolved. The mortgage history with the 90 day delinquency is outside of the prior 24 months. | 3/17/2022: Resolved. The mortgage history with the 90 day delinquency is outside of the prior 24 months. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114119 | Credit | Doc Issue | Resolved | Resolved | UU3MSBUJCJZ-5MTB1GU3 | Only Estimated HUD in file | \* Only Estimated HUD in file (Lvl R) | Final HUD missing from the loan file. Estimated HUD in file not signed. |  | The lender provided the final executed HUD | 1/30/2022: Resolved. | 1/30/2022: Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114119 | Credit | Doc Issue | Resolved | Resolved | UU3MSBUJCJZ-ZSOV6EYX | Not all borrowers signed HUD | \* Not all borrowers signed HUD (Lvl R) | Final HUD missing from the loan file. Estimated HUD in file not signed. |  | The lender provided full executed HUD. | 1/30/2022: Resolved | 1/30/2022: Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114120 | Credit | Credit | Resolved | Resolved | 2HRW2SZRBVL-96FGM0XY | Borrower(s) Rental Loss Insurance Req (Fail) | \* Borrower(s) Rental Loss Insurance Requirement (Fail) (Lvl R) | The guidelines, section 3.1, states that rent loss insurance equal to 6 months of the average rent is required. The hazard insurance policy in the file does not include the rent loss insurance. |  | 1/28/22 Fair Rental Value is $XXXXXX | 1/28/22 Finding resolved | 1/28/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114121 | Valuation | ValuationWaterfall | Resolved | Resolved | OI4TGNS5AED-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | Guideline 4.4 (Additional Valuation Requirements) states that an APR, CDA or FNMA CU risk score of 2.5 or less must accompany the appraisal. If the CU score is greater than 2.5 then a XXXXX XXXXXXX CDA (or similar) supporting the appraised value within 10% must be present. Subject CU score is a 5 and no XXXXX XXXXXXX CDA (or similar) is present in loan file. |  |  | 1/18/22 Finding resolved | 1/18/22 Finding resolved | Validated | Valuation data provided |
| XXXXXX | XXXXXX | XXXXXX | 54920251114122 | Valuation | ValuationWaterfall | Resolved | Resolved | WQP3ASJCN5L-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | Loan file is missing a third party valuation. The CDA in the loan file is for a different property. |  | 02/16/2022: Finding Resolved. The lender provided theCDA supporting the appraised value. | 2/16/22 Finding resolved | 2/16/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114122 | Valuation | Value | Resolved | Resolved | WQP3ASJCN5L-BRMDUXYB | Value used by lender not supported | \* Value used by lender not supported (Lvl R) | AVM within 10% variance but the Confidence Score is below 90 - doesn't meet Fitch requirement. |  | 02-24-2022 Post Fund Desk Review supports value. | 02-24-2022 Resolved | 02-24-2022 Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114123 | Credit | Doc Issue | Resolved | Resolved | ENUYFPAMLMK-E48OQEEZ | HUD-1 Closing Statement missing or unsigned | \* HUD-1 Closing Statement missing or unsigned (Lvl R) | The HUD is missing from the loan file. |  |  | 1/21/2022: Cleared, documentation provided | 1/21/2022: Cleared, documentation provided | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114124 | Credit | Doc Issue | Resolved | Resolved | RYYGCMU1KX3-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title policy reflects an insurance amount of $XXX,XXX, which is less than the loan amount of $XXX,XXX. |  | The lender provided corrected title policy. | 3.3.2022 finding resolved. | 3.3.2022 finding resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114127 | Credit | Credit | Resolved | Resolved | UOIHXIKK2EC-O81CR1RX | Borrower(s) Reserves Requirement (Fail) | \* Borrower(s) Reserves Requirement (Fail) (Lvl R) | According to the NONI Matrix 10.25.2021, a cash-out refinance requires 6 months of reserves. The loan file does not contain bank statements, the cash-out amount of $XXXXXX was used as assets. The requires reserves amount is $13,057.26. |  | The lender provided a bank statement dated through XX/XX/XXXX, reflecting a final balance of $XXXXX + $XXXXX cash to close. | 1/27/2022: Resolved | 1/27/2022: Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114127 | Valuation | Doc Issue | Resolved | Resolved | UOIHXIKK2EC-SWGGJEY3 | Missing flood cert | \* Missing flood cert (Lvl R) | The loan file does not contain a flood cert. |  | XX/XX/XXXX The Lender provided Flood Cert | 1/20/22 Exception resolved | 1/20/22 Exception resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114127 | Credit | Credit | Resolved | Resolved | UOIHXIKK2EC-T9232EW5 | Borrower(s) Months Reserves Requirement (Fail) | \* Borrower(s) Months Reserves Requirement (Fail) (Lvl R) | According to the NONI Matrix 10.25.2021, a cash-out refinance requires 6 months of reserves. The loan file does not contain bank statements, the cash-out amount of $XXXXXXwas used as assets. The requires reserves amount is $13,057.26. |  | The lender provided a bank statement dated through XX/XX/XXXX, reflecting a final balance of $XXXXX + $XXXXX cash to close. | 1/27/2022: Resolved | 1/27/2022: Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114128 | Credit | Doc Issue | Resolved | Resolved | QM0T1XZOY4F-L2B1HTEY | Credit report incomplete | \* Credit report incomplete (Lvl R) | The credit report is dated XX/XX/XXXX which is before the application date of XX/XX/XXXX. |  |  | 1/13/2022: Cleared, the notice to home loan applicant executed by the borrower and dated XX/XX/XXXX was provided. | 1/13/2022: Cleared, the notice to home loan applicant executed by the borrower and dated XX/XX/XXXX was provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114130 | Credit | Guidelines | Resolved | Resolved | MLXLDBAH2ZX-JLS636HP | Income documentation does not meet guidelines | \* Income documentation does not meet guidelines (Lvl R) | The income calculations for the bank statement analysis are inconsistent with discounting zelle payment deposits from borrower. There is no explanation clarifying same. |  |  | 4/1/2022 QC resolved 2/28/2022. Bank Statements in file. | 4/1/2022 QC resolved 2/28/2022. Bank Statements in file. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114139 | Compliance | Compliance | Resolved | Resolved | CLG32L5XMFZ-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the Points - Loan Discount Fee on disclosure XX/XX/XXXX was not accepted. Although the change appears to be valid, because a COC was not provided, auditor is unable to determine if the revised disclosure was provided within 3 business days of the change. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or by providing a date for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). " |  | 02/11/2022 COC received for XX/XX/XXXX | 02/16/2022 Cleared. The COC provided is sufficient to clear the finding. | 02/16/2022 Cleared. The COC provided is sufficient to clear the finding. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114139 | Valuation | Property | Active | 2: Acceptable with Warnings | CLG32L5XMFZ-WF7LVCT1 | Property Type unacceptable under guidelines | \* Property Type unacceptable under guidelines (Lvl 2) | Pg. 867 NonQM Exception for Zoning, Zoning is Agricultural/Single Family/Mobile Homes. Exception approved 12/20/2021 with compensation factors Fico score 666 (updated fico score 679) and Self Employed for 17+ years. | Length of Time at Employment. Self Employed 17+ years. |  |  |  | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114141 | Credit | Doc Issue | Resolved | Resolved | YA2RT2I2KKN-11COLQ63 | Note is missing or unexecuted | \* Note is missing or unexecuted (Lvl R) | The loan file is missing the executed Note. |  |  | 01/10/2022: Cleared, documentation provided. | 01/10/2022: Cleared, documentation provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114141 | Credit | Doc Issue | Resolved | Resolved | YA2RT2I2KKN-EXSOIS8W | Mortgage missing / unexecuted | \* Mortgage missing / unexecuted (Lvl R) | The loan file is missing the executed Mortgage. |  |  | 01/10/2022: Cleared, documentation provided. | 01/10/2022: Cleared, documentation provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114142 | Credit | Doc Issue | Resolved | Resolved | JRHXV0FETUY-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title policy does not include a title insurance amount, the title insurance required is $XXX,XXX. |  | 02/02/2022 Finding Resolved: The lender provided the Final Short Form Title Policy with $XXXXXX coverage which is the Mortgage amount. | 02/02/2022 Finding Resolved: | 02/02/2022 Finding Resolved: | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114142 | Credit | Credit | Resolved | Resolved | JRHXV0FETUY-O81CR1RX | Borrower(s) Reserves Requirement (Fail) | \* Borrower(s) Reserves Requirement (Fail) (Lvl R) | Per the matrix, for a cash-out refinance 6 months of reserves are required. The total amount of reserves required are $12,648.40, but the borrower did not provide any bank statements and the cash-out proceeds in the amount of $X,XXX.XX does not cover the required reserves. |  |  | 4.18.2022: Finding resolved. | 4.18.2022: Finding resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114142 | Credit | Credit | Resolved | Resolved | JRHXV0FETUY-T9232EW5 | Borrower(s) Months Reserves Requirement (Fail) | \* Borrower(s) Months Reserves Requirement (Fail) (Lvl R) | Per the matrix, for a cash-out refinance 6 months of reserves are required. The total months of reserves required are 6 months, but the loan file only shows proof of 3.073 months of reserves. | XX% LTV is below the maximum 80% LTV by X%.<br> 687 Representative credit score exceeds the minimum required credit score of 620 by 67 Points. | Client provided approved exception form. | 2.16.2022 finding resolved | 2.16.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114145 | Credit | Credit | Resolved | Resolved | QOGSTSZLU3B-96FGM0XY | Borrower(s) Rental Loss Insurance Req (Fail) | \* Borrower(s) Rental Loss Insurance Requirement (Fail) (Lvl R) | The rental loss insurance requirement is $XXXX but the insurance only covers $XXXX. |  | 1/17/22 The Lender changed guidelines for rental loss coverage, it is now calculated based on 6 months PITI, not 6 months rental | 4.18.2022: Finding resolved. | 4.18.2022: Finding resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114145 | Credit | Doc Issue | Resolved | Resolved | QOGSTSZLU3B-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title insurance is $XXX,XXX and does not cover the loan amount of $XXX,XXX. |  |  | 01/10/2022: Cleared, documentation provided. | 01/10/2022: Cleared, documentation provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114147 | Credit | Credit | Active | 2: Acceptable with Warnings | CTZSUWSTRP3-VADECRA3 | Borrower(s) LTV Requirement (Fail) | \* Borrower(s) LTV Requirement (Fail) (Lvl 2) | According to the Investor Cash Flow Matrix effective on XX/XX/XXXX, a cash out loan with a DSCR of <1.00 ($XXXX/$XXXX = 0.64 DSCR) would allow a maximum LTV of 70%. In addition, this loan will receive a 5% reduction in allowed LTV due the property currently being unleased, allowing for a total permitted LTV of 65%. The appraisal located on page 573 confirms the property is vacant. The current LTV for this loan is XX% ($1,470,000/$2,100,000) which is 5% less than the allowed LTV. | 0x30 mortgage history for 24 mths (of longer, however long a history you have that is 0x30)<br> Reserves exceeds the minimum 5 months over the required. (13.851 months verified to include cash out proceeds, 6 months required)<br> Borrower has owned subject investment property 5 years - Borrower has owned since 1999 per title. 26 month rating with current mortgage, no lates<br>|  | 1/24/2022: Finding Waiver Applied; Final Grade EV B | 1/24/2022: Finding Waiver Applied; Final Grade EV B | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114148 | Credit | Eligibility | Resolved | Resolved | RVKTYVT4EV1-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl R) | According to the Investor Cash Flow Matrix effective on XX/XX/XXXX, a purchase loan with a DSCR of <1.00 ($XXXX Rent/$3625.25 PITIA) would allow a maximum LTV of 75%. The current LTV ($XXXXXX loan/$XXXXXX value) for this loan is 80% which is X% more than the max allowed LTV. |  | 2/3/22 Additional information provided regarding DSCR score calcualtion, updated market value used of $XXXX making DSCR score 1.28 | 4.18.2022: Finding resolved. | 4.18.2022: Finding resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114148 | Credit | Eligibility | Resolved | Resolved | RVKTYVT4EV1-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl R) | According to the Investor Cash Flow Matrix effective on XX/XX/XXXX, a purchase loan with a DSCR of <1.00 ($XXXX Rent/$3625.25 PITIA) would allow a maximum LTV of 75%. The current LTV ($XXXXXX loan/$XXXXXX value) for this loan is 80% which is X% more than the max allowed LTV. |  | 2/3/22 Additional information provided regarding DSCR score calcualtion, updated market value used of $XXXX making DSCR score 1.28 | 2/3/22 Finding resolved | 2/3/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114148 | Credit | Credit | Resolved | Resolved | RVKTYVT4EV1-VADECRA3 | Borrower(s) LTV Requirement (Fail) | \* Borrower(s) LTV Requirement (Fail) (Lvl R) | According to the Investor Cash Flow Matrix effective on XX/XX/XXXX, a purchase loan with a DSCR of <1.00 ($XXXX0 Rent/$3625.25 PITIA) would allow a maximum LTV of 75%. The current LTV ($XXXXXX loan/$XXXXXX value) for this loan is 80% which is X% more than the max allowed LTV. |  | 2/3/22 Additional information provided regarding DSCR score calculation, updated market value used of $XXXXXX making DSCR score 1.28 | 2/3/22 Finding resolved | 2/3/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114150 | Credit | Doc Issue | Resolved | Resolved | RODGJXW2T2W-084LDYCE | VOM or VOR missing/required | \* VOM or VOR missing/required (Lvl R) | Missing VOR | High Asset Reserves - 21.24 months PITI reserves verified |  | 2/21/2022: Resolved. Lender provided 12 months canceled checks | 2/21/2022: Resolved. Lender provided 12 months canceled checks | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114150 | Credit | Credit | Resolved | Resolved | RODGJXW2T2W-F5KBXJVS | Special information booklet is Missing | \* Special information booklet is Missing (Lvl R) | There is no date evident on the Tool Kit provided in the loan file; auditor cannot determine if it was disclosed to the borrower within 3 business days of the application date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the disclosure was provided within 3-business days of application. |  | 2/8/22: Received CHARM booklet dated XX/XX/XXXX | 2/8/22: Condition resolved. Received CHARM booklet dated XX/XX/XXXX<br>| 2/8/22: Condition resolved. Received CHARM booklet dated XX/XX/XXXX<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114150 | Credit | Doc Issue | Resolved | Resolved | RODGJXW2T2W-IYAZB5ZX | Loan program disclosure missing or unexecuted | \* Loan program disclosure missing or unexecuted (Lvl R) | The Adjustable Rate Mortgage Loan Program Disclosure is missing. The defect can be cured by providing the disclosure. |  | 2/11/22 The Lender provided screenshot of Ellie Mae disclosure tracking showing it was sent and received by the borrower on XX/XX/XXXX | 2/11/22 Finding resolved | 2/11/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114150 | Compliance | Compliance | Resolved | Resolved | RODGJXW2T2W-WK32G0ON | TRID - 10% tolerance violation | \* TRID - 10% tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase of the following fees on PCCD 12/15/2021 was not accepted because the change occurred after consummation: Recording Fee A cost to cure in the amount of $XXXX is required. The defect can be cured by reimbursing the consumer or providing any missing revised disclosure with changes prior to consummation. If curing with a reimbursement, the following documents are required as well: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  | 2/18/22 Recording fee went down, LE XX/XX/XXXX Recording fee was $XXX, PCCD shows recording fee as $XX | 2/18/22 Finding resolved | 2/18/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114150 | Compliance | Compliance | Resolved | Resolved | RODGJXW2T2W-X23FZWUT | Disclosures | \* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl R) | There is no date evident on the CHARM Booklet provided in the loan file; auditor cannot determine if it was disclosed to the borrower within 3 business days of the application date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the disclosure was provided within 3-business days of application. |  | 2/7/22 The Lender provided CHARM booklet on XX/XX/XXXX | 2/7/22 Finding resolved | 2/7/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114155 | Credit | Doc Issue | Resolved | Resolved | 4LV3V5CMKZG-11COLQ63 | Note is missing or unexecuted | \* Note is missing or unexecuted (Lvl R) | The Note is missing from the loan file. |  |  | 1/18/2022: Cleared, documentation provided. | 1/18/2022: Cleared, documentation provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114155 | Credit | Doc Issue | Resolved | Resolved | 4LV3V5CMKZG-E48OQEEZ | HUD-1 Closing Statement missing or unsigned | \* HUD-1 Closing Statement missing or unsigned (Lvl R) | The HUD is missing from the loan file. |  |  | 1/18/2022: Cleared, documentation provided. | 1/18/2022: Cleared, documentation provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114155 | Credit | Doc Issue | Resolved | Resolved | 4LV3V5CMKZG-EXSOIS8W | Mortgage missing / unexecuted | \* Mortgage missing / unexecuted (Lvl R) | The Mortgage is missing from the loan file. |  |  | 1/18/2022: Cleared, documentation provided. | 1/18/2022: Cleared, documentation provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114159 | Credit | Doc Issue | Resolved | Resolved | HRON4KGNFNV-OPN6CQBU | Application Missing | \* Application Missing (Lvl R) | The Application is missing from the loan file. |  | 02/07/2022: Finding Resolved. The Seller provided a copy of the borrower's Loan Application. | 02/07/2022: Finding Resolved. | 02/07/2022: Finding Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114163 | Credit | Doc Issue | Resolved | Resolved | H1QT1EGLKYW-11COLQ63 | Note is missing or unexecuted | \* Note is missing or unexecuted (Lvl R) | The note found in the loan file is not fully executed, the note is not signed or notarized. |  |  | 1/25/2022: Cleared, executed Note was provided. | 1/25/2022: Cleared, executed Note was provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114163 | Credit | Doc Issue | Resolved | Resolved | H1QT1EGLKYW-E48OQEEZ | HUD-1 Closing Statement missing or unsigned | \* HUD-1 Closing Statement missing or unsigned (Lvl R) | The guidelines, section 12.8.4, state that the net proceeds must be verified via a settlement statement. The settlement statement included in the loan file is not fully executed. |  |  | 1/25/2022: Cleared, fully executed HUD was received. | 1/25/2022: Cleared, fully executed HUD was received. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114163 | Credit | Doc Issue | Resolved | Resolved | H1QT1EGLKYW-EXSOIS8W | Mortgage missing / unexecuted | \* Mortgage missing / unexecuted (Lvl R) | The mortgage found in the loan file is not fully executed, it is missing the borrowers signatures and notary. |  |  | 1/25/2022: Cleared, executed mortgage was provided. | 1/25/2022: Cleared, executed mortgage was provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114164 | Credit | Credit | Resolved | Resolved | Q0JUFYN2AB5-96FGM0XY | Borrower(s) Rental Loss Insurance Req (Fail) | \* Borrower(s) Rental Loss Insurance Requirement (Fail) (Lvl R) | Per the NONI guidelines effective on 10/25/21, section 3.1, rent loss coverage is required in the amount of 6 months or $XXXXX, using the market rent of $XXXX. The file included evidence of homeowners insurance located on page 220 reflecting rent loss coverage of $XXXXX. The rent loss coverage is short by $XXX. |  | 2/1/22 The Lender guidelines dated 10/25/21 show show that rental loss coverage is now calculated by using the PITI not the rent.<br>PITI of $1,845.12 x 6 months = $11,070.72<br> HOI shows loss of use as = $XXXXXX | 2/1/22 Finding resolved | 2/1/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114175 | Credit | Doc Issue | Resolved | Resolved | BXWUHMA2CTV-11COLQ63 | Note is missing or unexecuted | \* Note is missing or unexecuted (Lvl R) | The Note is missing. The defect can be resolved by providing the executed missing document. |  |  | 1/18/2022: Cleared, documentation provided | 1/18/2022: Cleared, documentation provided | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114175 | Credit | Credit | Resolved | Resolved | BXWUHMA2CTV-96FGM0XY | Borrower(s) Rental Loss Insurance Req (Fail) | \* Borrower(s) Rental Loss Insurance Requirement (Fail) (Lvl R) | Per the NONI guidelines effective on 10/25/21, section 3.1, rent loss coverage is required in the amount of 6 months or $XXXXX, using the market rent of $XXXX. The file included evidence of homeowners insurance located on page 373 reflecting rent loss coverage of $XXXXX. The rent loss coverage is short by $XXX. |  | 1/19/22 per The Lender updated guidelines 10/25/21 they changed from 6 months rental payments to 6 months PITI.<br>P&I: $2,871.41 x 6=$17,228.46 | 1/19/22 Exception resolved | 1/19/22 Exception resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114175 | Credit | Doc Issue | Resolved | Resolved | BXWUHMA2CTV-EXSOIS8W | Mortgage missing / unexecuted | \* Mortgage missing / unexecuted (Lvl R) | The Security Instrument (Mortgage/Deed of Trust) is missing. |  |  | 1/18/2022: Cleared, documentation provided | 1/18/2022: Cleared, documentation provided | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114176 | Compliance | Compliance | Resolved | Resolved | TWJ2BYFFYFI-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) The decrease to lender credits on the disclosure issued on XX/XX/XXXX was not accepted. Although the decrease appears to be valid, because a COC was not provided, auditor is unable to determine if the revised CD was disclosed within 3 business days of the decrease. A cost to cure in the amount of $XXXXXX is required. The defect can be cured by reimbursing the consumer or by providing the date of the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  | 02/03/2022 COC provided for decrease in lender credits XX/XX/XXXX | 2/1/2022 Remains. COC provided reflects change date of XX/XX/XXXX. The decrease to the lender credit on disclosure issued XX/XX/XXXX was not accepted because the change occurred on XX/XX/XXXX. The consumer was not provided the disclosure within 3 days of the change. A cost to cure in the amount of $XX is required. The defect can be cured by reimbursing the consumer or providing evidence that shows the change was disclosed within 3-business days of the change or If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br>02/08/2022 Cleared. The COC provided is sufficient to cure the violation. | 2/1/2022 Remains. COC provided reflects change date of XX/XX/XXXX. The decrease to the lender credit on disclosure issued XX/XX/XXXX was not accepted because the change occurred on XX/XX/XXXX. The consumer was not provided the disclosure within 3 days of the change. A cost to cure in the amount of $XX is required. The defect can be cured by reimbursing the consumer or providing evidence that shows the change was disclosed within 3-business days of the change or If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br>02/08/2022 Cleared. The COC provided is sufficient to cure the violation. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114178 | Credit | Credit | Resolved | Resolved | JUKK00BEMRH-O81CR1RX | Borrower(s) Reserves Requirement (Fail) | \* Borrower(s) Reserves Requirement (Fail) (Lvl R) | The guidelines, section 12.2 requires evidence of cash to close and 6 months reserves to be documented with 2 months of bank statements. The file included two months of bank statements for accounts ending XXXX, XXXX, XXXX, and XXX, located on pages 48, 62, 168 dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, reflecting a total balance of $XXXXXX.XX. The HUD, located on page 235 reflects the borrower was required to bring $XXXXXX.XX cash to closing. In addition to the cash to close, the guidelines require 6 months of reserves or $13,897.44 to be documented, for a total of $13,897.44 verified assets. The file is short evidence of assets/reserves in the amount of $9,268.41. |  | Final Master Settlement Statement that shows Buyer's funds to close in the amount of $XXXXXX that match copy of funds received at closing. | 1.27.2022: Resolved | 1.27.2022: Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114178 | Credit | Credit | Resolved | Resolved | JUKK00BEMRH-T9232EW5 | Borrower(s) Months Reserves Requirement (Fail) | \* Borrower(s) Months Reserves Requirement (Fail) (Lvl R) | The guidelines, section 12.2 requires evidence of cash to close and 6 months reserves to be documented with 2 months of bank statements. The file included two months of bank statements for accounts ending XXXX, XXXX, XXXX, and XXX, located on pages 48, 62, 168 dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, reflecting a total balance of $XXXXXX.XX. The HUD, located on page 235 reflects the borrower was required to bring $XXXXXX.XX cash to closing. In addition to the cash to close, the guidelines require 6 months of reserves or $13,897.44 to be documented, for a total of $13,897.44 verified assets. The file is short evidence of assets/reserves in the amount of $9,268.41. |  | Final Master Settlement Statement that shows Buyer's funds to close in the amount of $XXXXXX that match copy of funds received at closing. | 1.27.2022: Resolved | 1.27.2022: Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114179 | Credit | Doc Issue | Resolved | Resolved | GYPZ2UHH4WS-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title policy on page 449 of the loan file reflects an insured amount of $XXXXXX, which is less than the note loan amount of $XXXXXXX. |  | 02/02/2022: The lender provided a title Commitment issued XX/XX/XXXX for the Note amount. The Note was dated XX/XX/XXXX. | 02/02/2022: Finding Resolved. The lender provided a title Commitment issued XX/XX/XXXX for the Note amount. The Note was dated XX/XX/XXXX | 02/02/2022: Finding Resolved. The lender provided a title Commitment issued XX/XX/XXXX for the Note amount. The Note was dated XX/XX/XXXX | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114181 | Credit | Credit | Active | 2: Acceptable with Warnings | SMDRNY1FZHH-A18SSBZJ | Borrower(s) Cash to Close Requirement (Fail) | \* Borrower(s) Cash to Close Requirement (Fail) (Lvl 2) | The loan required $XXXXX.XX to close, the borrower only supplied assets for the amount of $XXXXXX. There is an additional $XXXXXX needed to show proof of funds for the cash needed to close. | XX% LTV is below the maximum 85% LTV by XX%.<br> 0x30 mortgage history for 30 months.<br> 780 Representative credit score exceeds the minimum required credit score of 620 by 160 Points. | Lender submitted an approved exception for the short funds in the amount of $XXXX | 1/30/2022: Finding Waiver Applied; Final Grade EV B | 1/30/2022: Finding Waiver Applied; Final Grade EV B | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114181 | Credit | Assets Insufficient | Active | 2: Acceptable with Warnings | SMDRNY1FZHH-N0ARUTPV | Assets are not sufficient to close | \* Assets are not sufficient to close (Lvl 2) | The loan required $XXXXX.XX to close, the borrower only supplied assets for the amount of $XXXXXX. There is an additional $XXXXXX needed to show proof of funds for the cash needed to close. | XX% LTV is below the maximum 85% LTV by XX%.<br> 0x30 mortgage history for 30 months.<br> 780 Representative credit score exceeds the minimum required credit score of 620 by 160 Points.<br>| Lender submitted an approved exception for the short funds in the amount of $XXXX | 1/30/2022: Finding Waiver Applied; Final Grade EV B | 1/30/2022: Finding Waiver Applied; Final Grade EV B | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114183 | Credit | Doc Issue | Resolved | Resolved | JJX5ZR20GG5-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl R) | The loan file does not include evidence of a title. |  | The lender provided evidence of title. | 1/30/2022: Finding Resolved | 1/30/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114188 | Credit | Credit | Resolved | Resolved | RI534TGFEYB-96FGM0XY | Borrower(s) Rental Loss Insurance Req (Fail) | \* Borrower(s) Rental Loss Insurance Requirement (Fail) (Lvl R) | Per the guidelines effective 10/25/21, section 3.1, rent loss insurance for the subject is required and must equal at least 6 months of average monthly rents. According to the Insurance Binder located on page 256, there is rent loss coverage of $XXXXX. However, the market rent provided on page 10 totals to $XXXX. Based on the guidelines, this property would require rent loss coverage of $XXXXX ($XXXX x 6 months). The rent loss coverage is short by $XXXX. |  | 1/28/22 Per HOI policy, the rental loss coverage is $XXXXX | 1/28/22 Finding resolved | 1/28/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114188 | Credit | Credit | Resolved | Resolved | RI534TGFEYB-JE421Y2Y | Borrower(s) Hazard Insurance Requirements (Fail) | \* Borrower(s) Hazard Insurance Requirements (Fail) (Lvl R) | The guidelines effective 10/25/21, section 3.1.2, require insurance coverage greater than or equal to the unpaid principal balance of the mortgage, as long as it at least equals the minimum amount (80% of the insurable value of the improvements) required to compensate for damage or loss on a replacement cost basis. If it does not, then coverage that does provide the minimum required amount must be obtained.<br>Per the Insurance Binder located on page 256, the amount of coverage is equal to $XXXXXX while the unpaid principal balance of the mortgage is $XXXXXX. The amount of coverage is short by $XXXXX. |  | 1/28/22 Per the HOI the property coverage is $XXXXXX | 1/28/22 Finding resolved | 1/28/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114193 | Credit | Credit | Resolved | Resolved | 1HO3O4UT2Y2-JE421Y2Y | Borrower(s) Hazard Insurance Requirements (Fail) | \* Borrower(s) Hazard Insurance Requirements (Fail) (Lvl R) | The guidelines, section 3.1.2. states that the amount of coverage must be equal to 100% of the insurance value or include a replacement cost estimate. The loan file includes hazard insurance with coverage amount of $XXXXXX, but the loan amount is $XXXXXX, and the replacement cost estimate is not included. Please provide an updated hazard insurance policy. |  | 02/07/2022: Finding Resolved. The Seller provided a copy of the full policy which includes Replacement Cost coverage under Optional Coverages. | 02/07/2022: Finding Resolved. | 02/07/2022: Finding Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114195 | Valuation | Property | Waived | Waived | IPXLHJTAPM0-WF7LVCT1 | Property Type unacceptable under guidelines | \* Property Type unacceptable under guidelines (Lvl W) | This property is listed as having SFR/AGR (Allows livestock). The GL at 5.3 (p. 14) states that hobby farms are ineligible and that agricultural zoned property is eligible on a case-by-case basis. This review did not reveal an underwriting exception for this property or comment related to the appraisal. The title report (p. 354) lists exceptions for oil, gas, minerals, and other hydrocarbon substances within or underlying said land as reserved in Deeds of Record. This transaction did not provide an escrow for taxes and insurance, as required by GL 2.6. These things make this loan outside of program guidelines. | XX% LTV is below the maximum 85% LTV by XX%. | 02/08/2022: Finding Resolved. The seller provided an approved Exception Request dated XX/XX/XXXX with these compensating factors for<br>Property type allows livestock.<br> Factors:<br> Loan To Value 10% or more under requirement<br> Reserves 12+ months more than requirement (verified, purchase, 29 months after closing)<br> DSCR 1.25 or greater | 2.11.2022: Lender Exception Wavier Applied; Final Grade EV B | 2.11.2022: Lender Exception Wavier Applied; Final Grade EV B | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114198 | Credit | Credit | Resolved | Resolved | 45ZL2G120IN-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The guidelines, section 5.7.3, states that an operating agreement is required for an LLC. The operating agreement is missing from the loan file. |  | 02/07/2022: Finding Resolved. XXXXXX XXXXXXX XXX XXXXX: "an operating agreement is optional." per seller and google "Does a XXXXXX XXXXXX XXX need an operating agreement." | 02/07/2022: Finding Resolved. | 02/07/2022: Finding Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114202 | Credit | Credit | Resolved | Resolved | Y4MMOEQZ0JI-JE421Y2Y | Borrower(s) Hazard Insurance Requirements (Fail) | \* Borrower(s) Hazard Insurance Requirements (Fail) (Lvl R) | The hazard insurance does contain replacement coverage in a limited amount. The total of the coverage of $XXXXXX plus the stated replacement coverage limit of $XXXXX is $XXXXXX which does not equal the amount of the mortgage of $XXXXXX. Additional coverage is required. |  | 02/07/2022: Finding Cleared. Seller provided the RCE with Calculated Estimated Replacement Cost $XXXXXX. The coverage amount was $XXXXXX + $XXXXX Extra Replacement Cost. | 02/07/2022: Finding Cleared. | 02/07/2022: Finding Cleared. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114203 | Credit | Doc Issue | Resolved | Resolved | FF2FHCG5IWJ-084LDYCE | VOM or VOR missing/required | \* VOM or VOR missing/required (Lvl R) | The loan file does not include a VOM. |  |  | 1/18/2022: Cleared documentation provided. | 1/18/2022: Cleared documentation provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114203 | Credit | Doc Issue | Resolved | Resolved | FF2FHCG5IWJ-6HPPLAGC | Missing proof of hazard insurance | \* Missing proof of hazard insurance (Lvl R) | The loan file does not include proof of hazard insurance. |  |  | 1/18/2022: Cleared documentation provided. | 1/18/2022: Cleared documentation provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114203 | Credit | Doc Issue | Resolved | Resolved | FF2FHCG5IWJ-E48OQEEZ | HUD-1 Closing Statement missing or unsigned | \* HUD-1 Closing Statement missing or unsigned (Lvl R) | The loan file does not include a HUD. |  |  | 1/18/2022: Cleared documentation provided. | 1/18/2022: Cleared documentation provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114203 | Credit | Doc Issue | Resolved | Resolved | FF2FHCG5IWJ-OPN6CQBU | Application Missing | \* Application Missing (Lvl R) | The loan file does not include the initial or final 1003. |  |  | 1/18/2022: Cleared documentation provided. | 1/18/2022: Cleared documentation provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114203 | Valuation | Doc Issue | Resolved | Resolved | FF2FHCG5IWJ-SWGGJEY3 | Missing flood cert | \* Missing flood cert (Lvl R) | The loan file does not include a flood cert. |  |  | 1/18/2022: Cleared documentation provided. | 1/18/2022: Cleared documentation provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114203 | Credit | Doc Issue | Resolved | Resolved | FF2FHCG5IWJ-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl R) | The loan file does not include a credit report. |  |  | 1/18/2022: Cleared documentation provided. | 1/18/2022: Cleared documentation provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114203 | Valuation | ValuationWaterfall | Resolved | Resolved | FF2FHCG5IWJ-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | The loan file does not contain a UCDP or desktop. |  |  | 1/18/22 Finding resolved | 1/18/22 Finding resolved | Unvalidated | The report does not include explanatory notes detailing how the exception was resolved. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114208 | Credit | Doc Issue | Resolved | Resolved | KFWJQI4D0US-11COLQ63 | Note is missing or unexecuted | \* Note is missing or unexecuted (Lvl R) | The Note is missing from the loan file. |  | The lender provided the fully executed Note and Mortgage | 1/30/2022: Resolved | 1/30/2022: Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114208 | Credit | Doc Issue | Resolved | Resolved | KFWJQI4D0US-EXSOIS8W | Mortgage missing / unexecuted | \* Mortgage missing / unexecuted (Lvl R) | The Mortgage is missing from the loan file. |  | The lender provided the fully executed Note and Mortgage | 1/30/2022: Resolved | 1/30/2022: Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114210 | Compliance | Compliance | Active | 2: Acceptable with Warnings | V5TCBULGQ4M-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |  |  | Validated | HPML classification is an informational finding, not a regulatory violation.  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114212 | Credit | Credit Worthiness | Resolved | Resolved | UXOT0S4TTBN-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl R) | Borrower is a first time homebuyer. Per guidelines, First time Homebuyers are not permitted under the NONI program. |  | 02/07/2022: Finding Resolved. Seller provided RealQuest Professional PDR verifying borrower has owned their Primary Residence F&C since purchase XX/XX/XXXX. The borrower was not a FTHB. | 02/07/2022: Finding Resolved. | 02/07/2022: Finding Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114213 | Credit | Doc Issue | Resolved | Resolved | L4UDWOHZ2QK-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | Mortgage is $XXXXXX and Title Insurance is $XXXXXX |  |  | 01/10/2022: Cleared, documentation provided. | 01/10/2022: Cleared, documentation provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114215 | Credit | Credit | Resolved | Resolved | LIN32VT141C-96FGM0XY | Borrower(s) Rental Loss Insurance Req (Fail) | \* Borrower(s) Rental Loss Insurance Requirement (Fail) (Lvl R) | Guideline 3.1 Hazard Insurance states that for investment property transactions, rent loss insurance for the subject is required and must equal at least 6 months of average monthly rents. Hazard insurance on page 274 shows loss of use ($XXXXX) and fair rental value ($XXXXX) for a total of $XXXXX. Per the appraisal on page 23, market rent is $XXXXX. Six months of the marker rent is $XXXXX. |  | 1/28/22 per The Lenders guidelines dated 10/25/21 rental loss coverage is no longer calculated using the rental amount, it is from the PITI<br>6 months PITI = $4,562.94 \* 6 = $27,377.64 | 1/28/22 Finding resolved | 1/28/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114215 | Credit | Doc Issue | Resolved | Resolved | LIN32VT141C-ZSOV6EYX | Not all borrowers signed HUD | \* Not all borrowers signed HUD (Lvl R) | Final signed HUD was not found within the loan file. |  | The lender provided fully executed HUD. | 1/30/2022: Resolved | 1/30/2022: Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114217 | Credit | Credit Worthiness | Active | 2: Acceptable with Warnings | O30MQYWDH53-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl 2) | All first-time investors must have a satisfactory consecutive 12-month mortgage history in the twelve months prior to loan application. Mortgage and rental payments not reflected on the credit report must be documented via a standard VOM, VOR or credit supplement. The loan file did not contain a VOM or VOR with minimum 12 months payment history. | 716 Representative credit score exceeds the minimum required credit score of 680 by 36 Points.<br> $51,137.71 reserves exceed the minimum required of $51,137.71 by 17 months over the required minimum. | 03/08/2022: The Lender provided an approved Exception Request Form requesting: 5-month housing payment history exception, 7 months rated. Unable to obtain.<br> Compensating Factors: FICO 20 points or more above requirement, Minimal Consumer Debt | 03/28/2022: Finding Waiver Applied; Final Grade EV B | 03/28/2022: Finding Waiver Applied; Final Grade EV B | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114220 | Credit | Property | Active | 2: Acceptable with Warnings | HKFMAQTD1YH-ENY5D08E | FEMA Declaration - (Individual) | \* FEMA Declaration - Natural Disaster Area (Individual). Missing Subsequent Property Inspection (Lvl 2) | Loan file did not contained evidence of inspection for subject property. The subject was checked on DisasterAssistance.gov XX/XX/XXXX were in a XXXX disaster area on XX/XX/XXXX and declared disaster XX/XX/XXXX. Original Appraisal date XX/XX/XXXX. Note date XX/XX/XXXX | 51 months verified reserves<br>FICO score used for grading of 739 is 58 points above required minimum of 680 |  |  |  | Unvalidated | The report does not include explanatory notes detailing how the exception was resolved. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114220 | Compliance | Compliance | Resolved | Resolved | HKFMAQTD1YH-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee $XXXX. A cost to cure in the amount of $XXXXXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  | 2/16/22 The last LE XX/XX/XXXX reflects the appraisal fee at $XXXXXX the initial CD XX/XX/XXXX reflects the appraisal fee as $1,400 and continues thru the PCCD XX/XX/XXXX at $XXXXXX COC is not needed if the fee goes down | 2/16/22 Finding resolved | 2/16/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114220 | Valuation | Value | Active | 2: Acceptable with Warnings | HKFMAQTD1YH-BG9BY1ON | Property listed for sale in past 12 months | \* Property listed for sale in past 12 months (Lvl 2) | Per Appraiser. The subject was listed twice in the last 12-months. However, in both cases the property appears to have been grossly overpriced, leading to price reductions<br> each time, and the eventual cancellation. The last price listed from XX/XX/XXXX - XX/XX/XXXX ($XXXXXXX) appears to be in a market range, but did not conclude in<br> a closed sale. | 51 months verified reserves<br>FICO score used for grading of 739 is 58 points above required minimum of 680 | Received UCDP with CU score | Findings Resolved | Findings Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114222 | Credit | Guidelines | Active | 2: Acceptable with Warnings | PEJJXQBWQ0F-6AYWZTAE | Loan does not conform to program guidelines | \* Loan does not conform to program guidelines (Lvl 2) | According to the Matrix, first time home buyers are not eligible. 1003's in the loan file indicate that borrowers have not owned a property in the last 3 years and there are no mortgages on their credit reports. | Compensating factors noted are DSCR 1.25 or greater (2.113), required 1.0%, FICO 20 points or more above requirement (797, 799). |  | 1/17/2022: Exception Received. Compensating factors noted are DSCR 1.25 or greater (2.113), required 1.0%, FICO 20 points or more above requirement (797, 799). | 1/17/2022: Exception Received. Compensating factors noted are DSCR 1.25 or greater (2.113), required 1.0%, FICO 20 points or more above requirement (797, 799). | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114223 | Credit | Property | Resolved | Resolved | BK5CIYFD2EN-ENY5D08E | FEMA Declaration - (Individual) | \* FEMA Declaration - Natural Disaster Area (Individual). Missing Subsequent Property Inspection (Lvl R) | Loan file missing Disaster Inspection Exterior Report. The subject property was located in XXXXXXX XXXXXX, which was declared a XXXX disaster on XX/XX/XXXX. Note date XX/XX/XXXX. |  | 2/21/22 The subject property is located in XXXXXXX XXXXXXX, XXXX XXXXXXXX on XX/XX/XXXX was in XXXXXXX XXXXXX | 2/21/22 Finding resolved | 2/21/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114228 | Valuation | ValuationWaterfall | Resolved | Resolved | 0EJWFK415BP-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | According to the guidelines effective 10/25/21: when only one full appraisal is required and the CU score ≥ 2.5, a XXXXX XXXXXXX CDA (or similar) supporting the appraised value within 10% is required.<br>If the CDA comes in ≥ 10% below the appraised value, then a field review ordered from a provider approved by theLender is required.<br>The CDA for this loan was 11.11% less than the appraised value and would require a field review.<br>There is no field review present in this file. This is outside of guidelines. |  | The lender provided a Desk review. | 02/07/2022: Finding Remains.<br> 2/9/22 Finding remains<br> 2.17.2022 finding resolved | 02/07/2022: Finding Remains.<br> 2/9/22 Finding remains<br> 2.17.2022 finding resolved | Validated | Valuation data provided |
| XXXXXX | XXXXXX | XXXXXX | 54920251114228 | Valuation | ValuationWaterfall | Resolved | Resolved | 0EJWFK415BP-ZXN2Y0V8 | Orig.value not supported by Pre-Close Desk Review | \* Pre-closing Desk Review does not support value at origination (Lvl R) | According to the guidelines effective 10/25/21: when only one full appraisal is required and the CU score ≥ 2.5, a XXXXX XXXXXXX CDA (or similar) supporting the appraised value within 10% is required.<br>If the CDA comes in ≥ 10% below the appraised value, then a field review ordered from a provider approved by theLender is required.<br>The CDA for this loan was 11.11% less than the appraised value and would require a field review.<br>There is no field review present in this file. This is outside of guidelines. |  | The lender provided a Desk review. | 02/07/2022: Finding Remains.<br> 2/9/22 Finding remain<br> 2.17.2022 finding resolved | 02/07/2022: Finding Remains.<br> 2/9/22 Finding remain<br> 2.17.2022 finding resolved | Validated | Valuation data provided |
| XXXXXX | XXXXXX | XXXXXX | 54920251114230 | Valuation | ValuationWaterfall | Resolved | Resolved | Y4CZE5NI1HS-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | The guidelines section 4.1 requires an ARR, CDA or XXXX CU risk score of 2.5 or better (less). The file is missing evidence of the CU score and did not include an ARR or CDA. |  | The lender provided the UCDP with a CU score of 1.0 | Findings Resolved | Findings Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114233 | Compliance | Compliance | Active | 2: Acceptable with Warnings | TN4HJHRXC1H-218OB3NA | Missing TRID Reimbursement Documentation (for requ | \* Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) (Lvl 2) | This loan is now failing the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. |  |  |  |  | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114233 | Credit | Guidelines | Active | 2: Acceptable with Warnings | TN4HJHRXC1H-6AYWZTAE | Loan does not conform to program guidelines | \* Loan does not conform to program guidelines (Lvl 2) | Max NSF "instances" allowed is 3 in the last 12 months - Borrower had 27 NSF fees and at least 1 NSF fee in 9 of the last 12 months | XX% LTV is below the maximum 60% LTV by X.XX%.<br> 23.258% DTI is 26.742% below maximum DTI of 50%.<br> 669 Representative credit score exceeds the minimum required credit score of 600 by 69 Points.<br> Borrower has $18740.18 residual income after all expenses.<br> Borrower has lived in subject property 15 years. |  | 3/14/2022: remains. received definition of NSF stating that the Returned checks that do not result in a negative balance are not considered NSFs.<br>4/4/2022: Received approved exception for number of NSF/Overdrafts exceeding guidelines. Compensating factors noted. | 3/14/2022: remains. received definition of NSF stating that the Returned checks that do not result in a negative balance are not considered NSFs.<br>4/4/2022: Received approved exception for number of NSF/Overdrafts exceeding guidelines. Compensating factors noted. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114233 | Valuation | Property | Resolved | Resolved | TN4HJHRXC1H-FSPW8MVQ | Property Issues indicated | \* Property Issues indicated (Lvl R) | The appraisal was completed As-Is, but the pictures show what appears to be a recent repair on the wall in the Sitting area (pg 15) that has not been painted and one of the side views (pg 16) shows the entire exterior of the home needing repair. |  |  | 3/4/2022: Resolved. Appraisal CU scores received showing 1.6 from FNMA, review of the original appraisal shows an as is value based on the current condition of the home. It is a C4 and it appears that a sliding door was removed and replaced with a window and is considered cosmetic by the appraiser. The comparables are also on acreage with adjustments for better condition and acreage. | 3/4/2022: Resolved. Appraisal CU scores received showing 1.6 from FNMA, review of the original appraisal shows an as is value based on the current condition of the home. It is a C4 and it appears that a sliding door was removed and replaced with a window and is considered cosmetic by the appraiser. The comparables are also on acreage with adjustments for better condition and acreage. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114233 | Compliance | Compliance | Active | 2: Acceptable with Warnings | TN4HJHRXC1H-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |  |  | Validated | HPML classification is an informational finding, not a regulatory violation.  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114233 | Valuation | ValuationWaterfall | Resolved | Resolved | TN4HJHRXC1H-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | Missing the CU score and Desk Review to support the value |  | 02-25-2022 Received FNMA SSR with a CU Score of 1.6. | 2/24/2022: Remains. Recieved 1.6 CU score but not the Desk review<br> 02/25/2022 Resolved | 2/24/2022: Remains. Recieved 1.6 CU score but not the Desk review<br> 02/25/2022 Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114233 | Compliance | Compliance | Resolved | Resolved | TN4HJHRXC1H-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the Transfer Taxes on disclosure XX/XX/XXXX was not accepted. Although the change appears to be valid, because a COC was not provided, auditor is unable to determine if the revised disclosure was provided within 3 business days of the change. A cost to cure in the amount of $XXXXXX is required. The defect can be cured by reimbursing the consumer or by providing a date for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  |  | 2/21/22: Cleared. Received shipping label, LOX, XX/XX/XXXX PCCD and copy of refund check. | 2/21/22: Cleared. Received shipping label, LOX, XX/XX/XXXX PCCD and copy of refund check. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114233 | Valuation | Value | Resolved | Resolved | TN4HJHRXC1H-M0XGEFL4 | Quality of Appraisal Report Unacceptable | \* Quality of Appraisal Report Unacceptable (Lvl R) | The appraisal does not support the value, and the CU score is missing. There is no desk review in the file. Comp 1 has adjustments of 39%/77.3% Net/Gross, Comp 2 Gross adjustment is 30.1%, Comp 3 adjustments are 41.9%/42.6%. 2 additional sales were also used as comps with and those adjustments are within normal standards, but the additional listings used have Gross adjustments of 43.3% and 43.6%. In addition, the appraisal was completed As-Is, but the pictures show what appears to be a recent repair on the wall in the Sitting area (pg 15) that has not been painted and one of the side views (pg 16) shows the entire exterior of the home needing repair. Visually, comp 5 is the only one that would be comparable to the subject property. At the very least there should be a desk review, if not a full 2nd appraisal to support this value of over $1 million. |  | Appraisal findings are inaccurate - Property- Condition C4: Minor deferred maintenance. Minor items of deferred maintenance<br> are acceptable, provided the appraiser does not state that they represent a health and safety hazard. The Appraisers<br> representation of report is supported by valid commentary. The Appraisal report has been re-audited to give supporting<br> investor insight on Lender scope of review. A short synopsis is provided below to explain usage of sited Comps<br> The Comps provided echo a solid plethora of sales comparison, market acceptance, and adjustments. When there are no truly<br> comparable sales for a particular property because of the uniqueness of the property or other conditions, the appraiser must<br> select sales that represent the best indicators of value for the subject property and make adjustments to reflect the actions of<br> typical purchasers in that market.<br> Sited Comp Finding: Erroneous: Please see Appraiser Commentary on pg. 10, comps were utilized and considered to be within<br> the subject property market and given adjustments accordingly to support value. Findings regarding "Side of house, Patio", Patio is<br> open, and Sitting room paint", home condition is minor deferred. Overall, the attached comps support market trend. Fannie Mae<br> does not have specific limitations or guidelines associated with net or gross adjustments anymore. The number and/or amount of<br> the dollar adjustments must not be the sole determinant in the acceptability of a comparable. Ideally, the best and most appropriate<br> comparable would require no adjustment; however, this is rarely the case as typically no two properties or transaction details are<br> identical. The appraiser's adjustments reflect the market's reaction. | 03/01/2022: Remains. In order to attempt to meet the value, Comparable 5 is the most similar but too far to be considered a strong opinion of value, it exceeds a mile. (4.03 miles) Also it appears to be superior as it has a pool. Audit agrees net/gross are not the sole indicator of an acceptable comparable; However, in review of comps in details net and gross adjustment exceeds the net of 10% and the gross of 25% (as a basic standard not definitive guideline.) This is an indication that the comps provided are not comparable to the subject property. A desk review, or a full 2nd appraisal is needed to help assist and support the appraisals opinion of the value of $XXXXXXX. In addition, the appraiser did not provide a comment of the side view of the patio verifying there is no issue with the safety, structural soundness or structural integrity of the property.<br> 3/4/2022: Resolved. Appraisal CU scores received showing 1.6 from FNMA, review of the original appraisal shows an as is value based on the current condition of the home. It is a C4 and it appears that a sliding door was removed and replaced with a window and is considered cosmetic by the appraiser. The comparables are also on acreage with adjustments for better condition and acreage. | 03/01/2022: Remains. In order to attempt to meet the value, Comparable 5 is the most similar but too far to be considered a strong opinion of value, it exceeds a mile. (4.03 miles) Also it appears to be superior as it has a pool. Audit agrees net/gross are not the sole indicator of an acceptable comparable; However, in review of comps in details net and gross adjustment exceeds the net of 10% and the gross of 25% (as a basic standard not definitive guideline.) This is an indication that the comps provided are not comparable to the subject property. A desk review, or a full 2nd appraisal is needed to help assist and support the appraisals opinion of the value of $XXXXXXX. In addition, the appraiser did not provide a comment of the side view of the patio verifying there is no issue with the safety, structural soundness or structural integrity of the property.<br> 3/4/2022: Resolved. Appraisal CU scores received showing 1.6 from FNMA, review of the original appraisal shows an as is value based on the current condition of the home. It is a C4 and it appears that a sliding door was removed and replaced with a window and is considered cosmetic by the appraiser. The comparables are also on acreage with adjustments for better condition and acreage. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114235 | Credit | Credit | Resolved | Resolved | OEDT3GK3XOF-A18SSBZJ | Borrower(s) Cash to Close Requirement (Fail) | \* Borrower(s) Cash to Close Requirement (Fail) (Lvl R) | The HUD (Pg 119) documented the Borrower was required to bring $XXXX.XX to the closing. No assets documentation was in the file. | N/A Document issue. | 02/25/2022: The Lender provided the Certified True & Correct copy Final HUD-1 dated XX/XX/XXXX reflecting a net amount due borrower $XXX | 02/25/2022: Finding Resolved. | 02/25/2022: Finding Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114235 | Credit | Assets Insufficient | Resolved | Resolved | OEDT3GK3XOF-N0ARUTPV | Assets are not sufficient to close | \* Assets are not sufficient to close (Lvl R) | The HUD (Pg 119) documented the Borrower was required to bring $XXXX.XX to the closing. No assets documentation was in the file. | N/A Document issue. | 02/25/2022: The Lender provided the Certified True & Correct copy Final HUD-1 dated XX/XX/XXXX reflecting a net amount due borrower $XXX | 02/25/2022: Finding Resolved. | 02/25/2022: Finding Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114235 | Credit | Credit | Resolved | Resolved | OEDT3GK3XOF-O81CR1RX | Borrower(s) Reserves Requirement (Fail) | \* Borrower(s) Reserves Requirement (Fail) (Lvl R) | No assets documentation was in the file. The HUD (Pg 119) documented the Borrower was required to bring $XXXX.XX to the closing. No verified reserves were documented. | N/A Document issue. | 02/25/2022: The Lender provided the Certified True & Correct copy Final HUD-1 dated XX/XX/XXXX reflecting a net amount due borrower $XXX | 02/25/2022: Finding Resolved. | 02/25/2022: Finding Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114235 | Credit | Credit | Resolved | Resolved | OEDT3GK3XOF-T9232EW5 | Borrower(s) Months Reserves Requirement (Fail) | \* Borrower(s) Months Reserves Requirement (Fail) (Lvl R) | No assets documentation was in the file. The HUD (Pg 119) documented the Borrower was required to bring $XXXX.XX to the closing. No verified reserves were documented. | N/A Document issue. | 02/25/2022: The Lender provided the Certified True & Correct copy Final HUD-1 dated XX/XX/XXXX reflecting a net amount due borrower $XXX | 02/25/2022: Finding Resolved. | 02/25/2022: Finding Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114237 | Credit | Credit Worthiness | Resolved | Resolved | DL40SIC3L42-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl R) | The guidelines section 10.6 requires housing history ratings must be obtained for the subject property and the borrower's primary residence. The file is missing evidence of the borrower's primary residence payment history | XX% LTV is below the maximum 80% LTV by X%. | The client provided an exception form listing compensating factors for missing full 12 month mtg history. | 3.14.2022 finding resolved | 3.14.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114237 | Valuation | Property | Active | 2: Acceptable with Warnings | DL40SIC3L42-WF7LVCT1 | Property Type unacceptable under guidelines | \* Property Type unacceptable under guidelines (Lvl 2) | The guidelines, section 5.1 requires minimum property standards to include a gross living of XXX square feet. The appraisal, located on page 312 reflects the subject property total square footage is XXX. | XX% LTV below the 80% LTV max by X% | 03/08/2022: The Lender provided an approved Exception Request Form dated XX/XX/XXXX approving: Property < 600 sq ft<br> Compensating Factors: FICO 20 points or more above requirement, Reserves 12+ months more than requirement, DSCR 1.25 or greater | 03/08/2022: Exception Remains | 03/08/2022: Exception Remains | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114238 | Valuation | Property | Resolved | Resolved | 2GAPQIQXHL3-WF7LVCT1 | Property Type unacceptable under guidelines | \* Property Type unacceptable under guidelines (Lvl R) | According to the guidelines effective XX/XX/XXXX, Section 5.1: Minimum property standards include, but may not be limited to: XXX sq. ft total gross living area.<br>The appraisal provided on page 4 shows the property contains XXX sqft of gross living area. The property is 93 sqft smaller than the required amount and is outside guidelines. | XX% LTV is below the maximum 80% LTV by X%. | Client provided approved exception form | 2.16.2022 Client provided approved exception form with compensating factors. Exception resolved. | 2.16.2022 Client provided approved exception form with compensating factors. Exception resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114239 | Credit | Doc Issue | Resolved | Resolved | CFYP2VAQ224-E48OQEEZ | HUD-1 Closing Statement missing or unsigned | \* HUD-1 Closing Statement missing or unsigned (Lvl R) | The Final HUD is missing from the loan file. |  | The lender provided fully executed HUD. | 1/30/2022: Resolved | 1/30/2022: Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114243 | Credit | Credit | Resolved | Resolved | PJ4KJCITGRP-O81CR1RX | Borrower(s) Reserves Requirement (Fail) | \* Borrower(s) Reserves Requirement (Fail) (Lvl R) | According to the Investor Cash Flow Matrix, a cash-out refinance loan must include 6 months of reserves. 6 months of the monthly PITIA payment totals to $9,140.88 while the total amount of reserves currently documented totals to $6,096.70. The amount of documented reserves is currently short by $3,044.18. | 666 Representative credit score exceeds the minimum required credit score of 640 by 26 Points.<br> 0x30 mortgage history for 99 months primary residence. | 02/25/2022: Lender provided XX/XX/XXXX & XX/XX/XXXX Bank statements of the sole owner/Guarantor showing a balance of $XXXXX which was sufficient to cover the reserve shortage of $XXXXX. Also enclosed was the Operating Agreement to verify 100% ownership.<br>Reviewer: These Bank Statements were not provided in the original loan file. | 02/25/2022: Finding resolved | 02/25/2022: Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114243 | Credit | Credit | Resolved | Resolved | PJ4KJCITGRP-T9232EW5 | Borrower(s) Months Reserves Requirement (Fail) | \* Borrower(s) Months Reserves Requirement (Fail) (Lvl R) | According to the Investor Cash Flow Matrix, a cash-out refinance loan must include 6 months of reserves. 6 months of the monthly PITIA payment totals to $9,140.88 while the total amount of reserves currently documented totals to $XXXXXXX. The amount of documented reserves is currently short by $XXXXXX8. | 666 Representative credit score exceeds the minimum required credit score of 640 by 26 Points.<br> 0x30 mortgage history for 99 months primary residence. | 02/25/2022: Lender provided XX/XX/XXXX & XX/XX/XXXX Bank statements of the sole owner/Guarantor showing a balance of $XXXXX which was sufficient to cover the reserve shortage of $XXXXX. Also enclosed was the Operating Agreement to verify 100% ownership.<br>Reviewer: These Bank Statements were not provided in the original loan file. | 02/25/2022: Finding resolved | 02/25/2022: Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114248 | Valuation | ValuationWaterfall | Resolved | Resolved | D0Y4M4DV0UC-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | The guidelines section 4.4 when only one full appraisal is required and the CU score > 2.5 or there is no CU score. The file included does not have a CU score and there is no additional review to support the value. |  | Received UCDP with CU score | Findings Resolved | Findings Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114251 | Credit | Doc Issue | Resolved | Resolved | PBSLO1PXFVD-11COLQ63 | Note is missing or unexecuted | \* Note is missing or unexecuted (Lvl R) | The guidelines, section 12.8.7, states that the note is required to secure the loan and terms of repayment. The note is not found in the loan file. |  |  | 01/11/2022: Cleared, documentation provided | 01/11/2022: Cleared, documentation provided | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114251 | Credit | Doc Issue | Resolved | Resolved | PBSLO1PXFVD-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The evidence of title reflects an insured amount less than the loan amount. |  |  | 1/14/2022: Resolved | 1/14/2022: Resolved | Unvalidated | The report does not include explanatory notes detailing how the exception was resolved. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114255 | Credit | Credit | Resolved | Resolved | XEUDTXRMGQD-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl R) | The subject loan closed in the name of an XXX. The guidelines dated 1/3/2022 on page 19 and section 5.7.3 require a SS-4 form listing the XXX tax ID number. The SS-4 form listing the XXX tax ID number is missing from the loan file. |  | The lender provided form SS-4 with EIN number. | 3.18.2022 finding resolved | 3.18.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114263 | Credit | Doc Issue | Active | 2: Acceptable with Warnings | DHTLAV5TOKU-084LDYCE | VOM or VOR missing/required | \* VOM or VOR missing/required (Lvl 2) | Missing copy VOR/Lease agreement. Loan file contained business bank statements with images of checks in the amount of $XXXX.XX payable to "XXXXXX XXXXX XXXXXXXXXX". Per Lender Guidelines rental history is required for First Time Homebuyer. Must document a 12-month history during the last 36 months with 0x30. | Low LTV / CLTV<br>High Credit Score<br>Low DTI Ratio<br>High Asset Reserves<br>High Residual Income<br>Length of Time at Employment |  | 3/9/2022: Received exception for missing VOR with compensating factors | 3/9/2022: Received exception for missing VOR with compensating factors | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114263 | Valuation | ValuationWaterfall | Resolved | Resolved | DHTLAV5TOKU-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | Missing CDA or filed review to support value $XXX,XXX. The subject CU Score is 2.6. Per Lender Guidelines. One full appraisal is required for loan amount less than $XXX. If the CU score exceeds 2.5 an additional appraisal review are required. CDA with a variance less than 10% is required. If the variance between the CDA and the appraisal is greater than 10%, perform a field review. |  | Received Desk Review | Findings Resolved | Findings Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114264 | Credit | Credit Worthiness | Resolved | Resolved | OOO04U1EQOQ-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl R) | The guidelines section 10.6 requires housing history ratings must be obtained for the subject property and the borrower's primary residence. The file is missing evidence of the borrower's primary residence payment history |  | Client provided credit supplement showing 0x30. | 2/14/22 Finding remains<br> 2.16.2022 Client provided credit report supplement showing 4 months reporting. Next payment due XX/XX/XXXX 0x30. Mortgage statement is showing borrower is included. Not living rent fee. The subject property was owned free and clear prior to refinance. Exception resolved. | 2/14/22 Finding remains<br> 2.16.2022 Client provided credit report supplement showing 4 months reporting. Next payment due XX/XX/XXXX 0x30. Mortgage statement is showing borrower is included. Not living rent fee. The subject property was owned free and clear prior to refinance. Exception resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114265 | Credit | Guidelines | Resolved | Resolved | 2ZWSNQAO31Z-4V5Q92RS | Credit | \* Verification of Rent (Lvl R) | Loan file missing evidence of Verification of Rent and or lease agreement. However, the file contained Copies of 12 months canceled check made payable to a private landlord. | DTI below 25%. DTI 20%. Maximum allowed DTI 50%<br>Stability-Length of time at current employment. Borrower has been in the same line of work for 13 years. Self Employed 11 years.<br>High Residual Income |  | 2/19/2022: Resolved. Received lease agreement. | 2/19/2022: Resolved. Received lease agreement. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114265 | Credit | Credit | Resolved | Resolved | 2ZWSNQAO31Z-HZ5671LK | Missing Doc | \* Missing Doc (Lvl R) | Loan file missing the CU score. |  |  | 2/19/2022: Resolved. Received FNMA UCDP. CU risk score is 1.6. | 2/19/2022: Resolved. Received FNMA UCDP. CU risk score is 1.6. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114266 | Credit | Credit | Resolved | Resolved | 5L3501VNHCU-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The guidelines, section 5.7.3, states that a certificate of good standing is required for a XXX. The loan closed in the name of an XXX and the certificate of good standing is not found in the loan file. |  | Client sent documentation XXX is active. | 2.16.2022 Client provided documentation confirming LLC active. Exception resolved. | 2.16.2022 Client provided documentation confirming LLC active. Exception resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114266 | Credit | Doc Issue | Resolved | Resolved | 5L3501VNHCU-EXSOIS8W | Mortgage missing / unexecuted | \* Mortgage missing / unexecuted (Lvl R) | The mortgage is required to be completed, the mortgage is missing from the loan file. | XX% LTV is below the maximum 80% LTV by X%.<br> 752 Representative credit score exceeds the minimum required credit score of 620 by 132 Points.<br> $100,433.83 reserves exceed the minimum required of $4,851.32 exceeds the minimum by 118 months over the required minimum.<br> DSCR ratio of 1.55 exceeds the minimum requirement of 1.0 by 0.55 points. | Client provided mortgage | 2.16.2022 Client provided mortgage. Exception resolved. | 2.16.2022 Client provided mortgage. Exception resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114267 | Compliance | Doc Issue | Resolved | Resolved | WTY5BOLTKYI-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl R) | The loan failed the Right of Rescission test. The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation took place on XX/XX/XXXX and per the last revised CD issued XX/XX/XXXX, the loan disbursed on XX/XX/XXXX. Loan could not disburse until after the end of the rescission period; rescission ended on XX/XX/XXX. The defect can be cured by providing the true funding date. |  | 2/23/22: Received Title Closing Statement & XX/XX/XXXX PCCD | 2/23/22: Cleared. Received Title Closing Statement & 1/4/22 PCCD. PCCD shows updated disbursement date of XX/XX/XXXX<br>| 2/23/22: Cleared. Received Title Closing Statement & 1/4/22 PCCD. PCCD shows updated disbursement date of XX/XX/XXXX<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114267 | Compliance | Compliance | Active | 2: Acceptable with Warnings | WTY5BOLTKYI-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | The CD issued on XX/XX/XXXX is inaccurate. The CD shows a closing date of XX/XX/XXXX, Mortgae was signed and notarized on XX/XX/XXXX. |  |  |  |  | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114270 | Credit | Doc Issue | Resolved | Resolved | ZYXBLRCU3WZ-E48OQEEZ | HUD-1 Closing Statement missing or unsigned | \* HUD-1 Closing Statement missing or unsigned (Lvl R) | The guidelines, section 12.8.4, states that a settlement statement is required to verify proceeds from the transaction. The HUD is missing from the loan file. |  |  | 1/18/2022: Cleared, documentation provided. | 1/18/2022: Cleared, documentation provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114272 | Credit | Credit | Resolved | Resolved | KFIYUSVCGGR-JE421Y2Y | Borrower(s) Hazard Insurance Requirements (Fail) | \* Borrower(s) Hazard Insurance Requirements (Fail) (Lvl R) | Hazard insurance (p 190) does not include windstorm or hail coverage. Guideline 3.1.2 states: The Lender will not accept hazard insurance policies that limit or exclude coverage for windstorm, hurricanes, hail damages or any other hazard normally included under an extended coverage endorsement unless a separate policy or endorsement is obtained that provides adequate coverage. The policy does not provide this endorsement nor is there a separate policy to cover windstorm or hail coverage. |  |  | 01/10/2022: Cleared, documentation provided. | 01/10/2022: Cleared, documentation provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114274 | Credit | Credit | Resolved | Resolved | 55LAFLMILY1-DSRS151W | DSCR Is Not Eligible | \* DSCR Is Not Eligible (Lvl R) | The guidelines, section 14.3.1, states that the lease agreement or the market rent are used to calculated the DSCR. The DSCR could not be calculated because the property is vacant, with no lease agreement, per the appraisal and the 1007 market rent valuation is missing. DSCR of 0.00 is less than 1.0 required per guidelines. |  | 1/28/22 The Lender provided 1007 showing market rent as $XXXX making the DSCR score 1.02 | 1/28/22 Finding resolved | 1/28/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114274 | Valuation | Doc Issue | Resolved | Resolved | 55LAFLMILY1-OR5FH5OU | Appraisal incomplete (missing map, layout, pages, | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | The guidelines, section 14.3.1, states that the 1007 is required for the market rent. The 1007 is missing and needed to calculated the DSCR using the market rent as this property is vacant and there is no lease in place. |  | 1/28/22 The Lender provided 1007 showing market rent as $XXXX making the DSCR score 1.02 | 1/28/22 Finding resolved | 1/28/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114275 | Compliance | Disclosures | Resolved | Resolved | B2MGGBYLA12-BNMOTPNR | Disclosures | \* Homeownership Counseling List (Lvl R) | The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX.The defect can be resolved by providing evidence showing the document was issued to the consumer within 3 business days of application |  | 2/23/22: Received Homeownership Counseling List (HOC) | 2/23/22: Cleared. Received Homeownership Counseling List (HOC)<br>| 2/23/22: Cleared. Received Homeownership Counseling List (HOC)<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114279 | Valuation | ValuationWaterfall | Resolved | Resolved | CZH4B4XYLS3-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | The guideline section 3.6 requires a traditional appraisal XXXX Collateral Underwriter (CU) scores are supported for Form 1004 only (SFR & PUD). A CU score less than or equal to 2.5 will not require a secondary valuation. The file included a CU score of 2.6. The file did not include a secondary review to support the value. |  | 1/20/22 The Lender provided 2nd full appraisal that supports the origianl appraisal value within 10% | 1/20/22 Exception resolved | 1/20/22 Exception resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114284 | Credit | Doc Issue | Resolved | Resolved | Q4YHEXMY3YK-084LDYCE | VOM or VOR missing/required | \* VOM or VOR missing/required (Lvl R) | The guidelines section 10.6 requires housing history ratings must be obtained for the subject property and the borrower's primary residence. The file is missing evidence of the borrower's primary residence payment history |  | 2/7/22 The Lender provided 12 month VOR showing 0x30, 0x60 and 0x90 for 12 months | 2/7/22 Finding resolved | 2/7/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114286 | Credit | Credit Worthiness | Resolved | Resolved | A1TDKSVVOL3-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl R) | The guidelines section 10.6 requires housing history ratings must be obtained for the subject property and the borrower's primary residence. The file is missing evidence of the borrower's primary residence payment history. |  | Lender provided a credit supplement with the borrowers rental history paid satisfactory. | 1/27/2022: Resolved | 1/27/2022: Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114005 | Credit | Doc Issue | Resolved | Resolved | V3TAA1AMLHC-11COLQ63 | Note is missing or unexecuted | \* Note is missing or unexecuted (Lvl R) | The note is missing from the loan file. |  | The lender provided the fully executed Note and Mortgage | 1/30/2022: Resolved | 1/30/2022: Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114005 | Credit | Doc Issue | Resolved | Resolved | V3TAA1AMLHC-EXSOIS8W | Mortgage missing / unexecuted | \* Mortgage missing / unexecuted (Lvl R) | The mortgage is missing from the loan file. |  | The lender provided the fully executed Note and Mortgage | 1/30/2022: Resolved | 1/30/2022: Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114005 | Credit | Credit | Resolved | Resolved | V3TAA1AMLHC-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl R) | The guidelines section 10.6 requires housing history ratings must be obtained for the subject property and the borrower's primary residence. The file is missing evidence of the borrower's primary residence payment history |  | 1/31/22 The borrower is not a first time investor, primary housing history is not required | 1/31/22 Finding resolved | 1/31/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114293 | Compliance | Compliance | Active | 2: Acceptable with Warnings | LXJI3JJHRQG-J2R9T18H | ComplianceEase Exceptions Test Failed #2 | \* ComplianceEase Exceptions Test Failed #2 (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |  |  | Validated | HPML classification is an informational finding, not a regulatory violation.  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114293 | Compliance | Disclosures | Resolved | Resolved | LXJI3JJHRQG-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl R) | The transaction funded prior to consummation. Per the CD issued XX/XX/XXXX, the transaction funded on XX/XX/XXXX; however, consummation took place on XX/XX/XXXX. The defect can be resolved by providing the true funding date |  | 1/21/22 The Lender provided final True and Certified settlement statement and PCCD showing the disbursement date as XX/XX/XXXX | 1/21/22 Exception resolved | 1/21/22 Exception resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114296 | Credit | Credit | Resolved | Resolved | EUYCO4QNHPC-JE421Y2Y | Borrower(s) Hazard Insurance Requirements (Fail) | \* Borrower(s) Hazard Insurance Requirements (Fail) (Lvl R) | Guideline 3.1.2 Amount of coverage must be at least equal to 100% of the insurable value as determined by appraisal or the unpaid principal balance of the mortgage, as long as it at least equals the minimum amount (80% of the insurable value of the improvements). Total cost new from appraisal page 3 is $XXXXXX. Loan amount on note page 186 is $XXXXXX. Hazard Insurance on page 153 only shows replacement cost of $XXXXXX. |  | 02/04/2022: Finding Resolved. Seller Provided updated Hazard Insurance Certificate with sufficient coverage. | 02/04/2022: Finding Resolved. | 02/04/2022: Finding Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114296 | Valuation | ValuationWaterfall | Resolved | Resolved | EUYCO4QNHPC-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | Guideline 4.4 Additional Valuation Requirements state the when only one full appraisal is required and the CU score is greater than 2.5 or there is no CU score then a XXXXX XXXXXXX CDA (or similar) supporting the appraised value within 10% is required. No UCDP with CU score found in loan file. |  | Client provided CU sore and desk review. | 2.17.2022 Client provided SSA with CU score as well as a Desk review from XXXXX XXXXXXX supporting appraised value with a 0.0% variance. Exception resolved. | 2.17.2022 Client provided SSA with CU score as well as a Desk review from XXXXX XXXXXXX supporting appraised value with a 0.0% variance. Exception resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114298 | Credit | Credit Worthiness | Active | 2: Acceptable with Warnings | DUYPEPHLXTS-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl 2) | The guidelines section 10.6 requires housing history ratings must be obtained for the subject property and the borrower's primary residence. The file is missing evidence of the borrower's primary residence payment history | The Lender provided a post-closing Exception Request (Approval) dated 02/02/2022 with compensating factors that offset the Risk from No housing obligation payment history. The factors listed were: LTV 10% <br> Low LTV / CLTV<br>High Credit Score<br>High Asset Reserves<br>| 2/8/22 The Lender provided a Non-QHEM Exception Request Form for the lack of housing history, borrower has good comp factors 1) LTV 10% or more under requirement 2) FICO 20 points or more above requirement 3) Reserves 12+ months more than requirement 4) DSCR 1.25 or greater | 02/03/2022: Finding Resolved.<br>2/8/22 Finding downgraded to an EVB | 02/03/2022: Finding Resolved.<br>2/8/22 Finding downgraded to an EVB | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114301 | Credit | Income | Resolved | Resolved | TPX2LAOYMQ5-7ZU2HIM5 | Missing sufficient employment documentation (ATR) | \* Missing sufficient employment documentation (ATR) (Lvl R) | Missing CPA letter to evidence borrower has been self employed for minimum 2 years. |  |  | 4/1/2022 QC resolved 2/25/2022. CPA Letter, dated XX/XX/XXXX, page 254, reflects borrower self-employed since XXXX. | 4/1/2022 QC resolved 2/25/2022. CPA Letter, dated XX/XX/XXXX, page 254, reflects borrower self-employed since XXXX. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114302 | Credit | Comp Factor | Active | 2: Acceptable with Warnings | TDL5GERPVPC-90KLPU6G | Comp Factor: Low DTI | \* Comp Factor: Low DTI (Lvl 2) | Originator monthly income $XXXXXX based on 12 months business bank statement not including the disallowed deposits. Auditor recalculated 12 months bank statement omitting the disallowed deposits and calculates using 6.2% expense ratio per CPA letter. Calculated average income $XXXXXX. Originator DTI 49.723%. Auditor DTI 50.823%. Per GLS 50% max DTI allowed. | High Credit Score: 725 Credit score exceeds the minimum required credit score of 720 by 5 points.<br>High Asset Reserves: $27,093 reserves exceed the minimum required of 5,917.47 by 10.74 months over the required minimum.<br>Length of Time at Employment: Borrower has been Self Employed 2 years, sameline of work 20 years. |  | 2/22/2022: exception received for DTI | 2/22/2022: exception received for DTI | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114303 | Compliance | Compliance | Resolved | Resolved | 5LCNJWU03L5-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The addition of the following fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Transfer Taxes. A cost to cure in the amount of $XXXXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  | PCCD dated XX/XX/XXXX | 1/21/2022 - Cleared. The PCCD resolved the tolerance violation. | 1/21/2022 - Cleared. The PCCD resolved the tolerance violation. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114305 | Credit | Insurance | Resolved | Resolved | FM5ZAYABAZD-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | The loan file is missing the Replacement Cost Estimate from the hazard insurance company. The HOI policy in file p.616 shows coverage of $XXXXXX with 100% replacement cost. The loan amount is $XXXXXX. |  | 1/27/22 In FL it is no longer acceptable to ask for a replacement cost indicator, HOI insurance does state 100% replacement cost | 1/27/22 Finding resolved | 1/27/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114305 | Compliance | Compliance | Active | 2: Acceptable with Warnings | FM5ZAYABAZD-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |  |  | Validated | HPML classification is an informational finding, not a regulatory violation.  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114307 | Valuation | Doc Issue | Resolved | Resolved | BIKFRQJUT0G-OR5FH5OU | Appraisal incomplete (missing map, layout, pages, | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | The appraisal reflects the subject is owner occupied and that must be corrected, per the final loan approval document in the file (pg. 392). Guideline 2.1 Program Overview indicates, "NONI has been crafted for borrowers seeking financing for non-owner or investment properties." | XX% LTV is below the maximum 80% LTV by X%<br> 771 representative credit score exceeds the minimum required credit score of 680 by 91 points.<br> DSCR ratio of 2.52 exceeds the minimum requirement of 1.0 by 152 points.<br>| 03/04/2022: The Lender provided a corrected Appraisal reporting the property was Tenant Occupied. | 03/07/2022: Resolved. | 03/07/2022: Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114308 | Credit | Doc Issue | Resolved | Resolved | HXPCSZFNQKS-E48OQEEZ | HUD-1 Closing Statement missing or unsigned | \* HUD-1 Closing Statement missing or unsigned (Lvl R) | The loan file is missing the final closing settlement statement for the subject property. |  | The lender provided full executed HUD. | 1/30/2022: Resolved | 1/30/2022: Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114319 | Credit | Credit | Resolved | Resolved | KFUTRQIBQDJ-96FGM0XY | Borrower(s) Rental Loss Insurance Req (Fail) | \* Borrower(s) Rental Loss Insurance Requirement (Fail) (Lvl R) | Guideline 3.1 Hazard Insurance states that rent loss insurance for the subject is required and must equal at least 6 months of average monthly rents. Appraisal page 16 shows market rent of $XXXX for a total of $XXXXX amount of coverage required. Hazard insurance on page 251 does not include rent loss insurance. |  | The lender provided evidence of rent loss in the amount of $XXXXX | 2/01/2022: Finding Resolved | 2/01/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114007 | Valuation | Value | Resolved | Resolved | 5FOS0EJEV2B-BRMDUXYB | Value used by lender not supported | \* Value used by lender not supported (Lvl R) | Missing secondary valuation required for securitization. No CU score reported on UCDP reports. |  |  | 1/21/2022: Cleared, documentation provided. | 1/21/2022: Cleared, documentation provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114007 | Valuation | ValuationWaterfall | Resolved | Resolved | 5FOS0EJEV2B-P672VUEJ | Full appraisal required. Form Type | \* Full appraisal required. Form Type (Lvl R) | Per guidelines, A completed appraisal report with full interior/exterior appraisal is required on all loan transactions to assess the adequacy of the property as collateral for the mortgage requested. Form 2055 (Exterior Only) provided. Full appraisal required. |  |  |  |  | Unvalidated | The report does not include explanatory notes detailing how the exception was resolved |
| XXXXXX | XXXXXX | XXXXXX | 54920251114322 | Credit | Credit | Active | 2: Acceptable with Warnings | JEMOZ0UO04D-KN6IC5WB | Missing asset documentation (ATR) | \* Missing asset documentation (ATR) (Lvl 2) | Missing $14,053.78 in reserves, borrower needs $XXXXXXX and has $XXXXXXX | High Credit Score<br>Low DTI Ratio<br>High Residual Income |  | 3/3/2022: Remains. received same asset statement for EECU and the IRA<br> 3/7/2022: Remains. Received exceptions for $6837.73 missing reserves when $$14,053.78 in reserves are missing<br> 3/11/2022: Received exception for $14,053.78 missing reserves with compensating factors of credit score of727, high residual income and 35.6% DTI | 3/3/2022: Remains. received same asset statement for EECU and the IRA<br> 3/7/2022: Remains. Received exceptions for $6837.73 missing reserves when $$14,053.78 in reserves are missing<br> 3/11/2022: Received exception for $14,053.78 missing reserves with compensating factors of credit score of727, high residual income and 35.6% DTI | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114324 | Credit | Credit | Resolved | Resolved | 5IE2CNSLPHX-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The guidelines dated 10.25.2021, page 44, section 14.3.1 for refinance transactions requires a lease agreement if the appraisal reflects the subject property is tenant occupied. The appraisal reflects the subject is tenant occupied with a monthly rent of $XXXX; however, the file did not include lease agreements. |  | 02/11/2021: Finding Resolved. The lender provided fully executed lease. | 02/11/2022: Finding Resolved. The lender provided fully executed lease | 02/11/2022: Finding Resolved. The lender provided fully executed lease | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114326 | Credit | Eligibility | Resolved | Resolved | D1YZ30KNZHE-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl R) | Max LTV listed for 2nd home is 75%. Loan was approved with XX% LTV. | Total DTI is 9% vs 50% max for program.<br>Asset reserves for 55 month PITI vs 6 months required.<br>8 years self employed<br>Receipt of 24 months bank statements vs 12 required to support income. |  | 2/21/2022: Resolved. The exception received covers the LTV from 75- 80% for second home with the following compensating factors listed. Total debt 10% and under maximum of 50% - it is 9.034%, reserves 12+ more than required, 24 month bank statements for income calculation provided and long term employment of 8 years. | 2/21/2022: Resolved. The exception received covers the LTV from 75- 80% for second home with the following compensating factors listed. Total debt 10% and under maximum of 50% - it is 9.034%, reserves 12+ more than required, 24 month bank statements for income calculation provided and long term employment of 8 years. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114326 | Credit | Credit | Resolved | Resolved | D1YZ30KNZHE-HZ5671LK | Missing Doc | \* Missing Doc (Lvl R) | Loan file missing evidence of (Monthly Escrow payment) Homeowners Insurance, HOA and Property taxes for investment property @ XXXX XXX XXXXXX XX XX XXXX XXXXXXX XX. Mortgage history from XXX XXXXXXX PFCU reflects only P&I payment. |  |  | 2/22/2022: remains. Lender did not provide documents for this finding<br>03/03/2022: Remains. The Property Detail Report was provided showing Investment Property XXXX XXX XXXXXX XX XX Annual Taxes of $XXXX. XXXXXX showing property HOA dues of $360 monthly. XXX XXXXXXX XXXXXX XXXXXXXX XX XXX Loan #XXXX escrow amount of $XXX is the Primary Residence XXX X XXXX. Still missing the documentation of the mortgage payment with the escrow amount for property XXXX XXX XXXXXX XX XXX XXXXX XXX Acct #XXXX.<br>3/4/2022: Remains. Received the same documentation as stated above. The mortgage loan print out is for account #XXXX which is for the primary residence. Still need documentation of the mortgage payment with the escrow for XXXX XXX XXXXXX XX for XXX XXXXXXX XXXXXX XXX loan #XXXX.<br>3/9/2022: Remains. Received exception for missing escrow for the primary residence with deed and condo rider. DTI not verified with missing documentation<br>3/15/2022: Resolved. Received property taxes and HOA for XXXX XXX XXXXXX XX. | 2/22/2022: remains. Lender did not provide documents for this finding<br>03/03/2022: Remains. The Property Detail Report was provided showing Investment Property XXXX XXX XXXXXX XX XX Annual Taxes of $XXXX. XXXXXX showing property HOA dues of $360 monthly. XXX XXXXXXX XXXXXX XXXXXXXX XX XXX Loan #XXXX escrow amount of $XXX is the Primary Residence XXX X XXXX. Still missing the documentation of the mortgage payment with the escrow amount for property XXXX XXX XXXXXX XX XXX XXXXX XXX Acct #XXXX.<br>3/4/2022: Remains. Received the same documentation as stated above. The mortgage loan print out is for account #XXXX which is for the primary residence. Still need documentation of the mortgage payment with the escrow for XXXX XXX XXXXXX XX for XXX XXXXXXX XXXXXX XXX loan #XXXX.<br>3/9/2022: Remains. Received exception for missing escrow for the primary residence with deed and condo rider. DTI not verified with missing documentation<br>3/15/2022: Resolved. Received property taxes and HOA for XXXX XXX XXXXXX XX. | Validated | adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114326 | Credit | Eligibility | Resolved | Resolved | D1YZ30KNZHE-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl R) | Max LTV listed for 2nd home is 75%. Loan was approved with XX% LTV. | Total DTI is 9% vs 50% max for program.<br>Asset reserves for 55 month PITI vs 6 months required.<br>8 years self employed<br>Receipt of 24 months bank statements vs 12 required to support income. |  | 2/21/2022: Resolved. The exception received covers the LTV from 75- 80% for second home with the following compensating factors listed. Total debt 10% and under maximum of 50% - it is 9.034%, reserves 12+ more than required, 24 month bank statements for income calculation provided and long term employment of 8 years.<br>| 2/21/2022: Resolved. The exception received covers the LTV from 75- 80% for second home with the following compensating factors listed. Total debt 10% and under maximum of 50% - it is 9.034%, reserves 12+ more than required, 24 month bank statements for income calculation provided and long term employment of 8 years.<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114326 | Credit | Doc Issue | Resolved | Resolved | D1YZ30KNZHE-NQ02EJ5Q | Mortgage Riders incomplete / inaccurate | \* Mortgage Riders incomplete / inaccurate (Lvl R) | Missing full PUD rider |  |  | 02/15/2022: Resolved. The PUD rider has been provided for property XXXX X XXXXXXXXXX XXX dated XX/XX/XXXX | 02/15/2022: Resolved. The PUD rider has been provided for property XXXX X XXXXXXXXXX XXX dated XX/XX/XXXX | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114329 | Credit | Guidelines | Resolved | Resolved | DNBPDM5WTZG-6AYWZTAE | Loan does not conform to program guidelines | \* Loan does not conform to program guidelines (Lvl R) | Per guidelines, if property is tenant occupied, copy of lease agreement is required. Appraisal shows that property is tenant occupied. Missing lease agreement from loan file | The compensating factors listed on the form were 1) LTV 10% or more under requirement, 2) Long Term Homeownership >5 years, and 3) DSCR >1.25 | Client provided exception form | 02/03/2022: Finding Resolved. The lender provided an Exception Request Form dated XX/XX/XXXX. The compensating factors listed on the form were 1) LTV 10% or more under requirement, 2) Long Term Homeownership >5 years, and 3) DSCR >1.25. Additionally, the origination was paying off the Bridge Loan after completion of reno. | 02/03/2022: Finding Resolved. The lender provided an Exception Request Form dated XX/XX/XXXX. The compensating factors listed on the form were 1) LTV 10% or more under requirement, 2) Long Term Homeownership >5 years, and 3) DSCR >1.25. Additionally, the origination was paying off the Bridge Loan after completion of reno. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114330 | Credit | Credit | Resolved | Resolved | UA4PHAAMLVP-96FGM0XY | Borrower(s) Rental Loss Insurance Req (Fail) | \* Borrower(s) Rental Loss Insurance Requirement (Fail) (Lvl R) | The guidelines, section 3.1, requires rent loss insurance that is equal to 6 months of the average rent. The rent loss insurance included in the file is $XXXXX, but the average rent for 6 months is $XXXXX. Please provide an updated hazard insurance policy to include the correct rent loss coverage amount. |  | 2/21/22 The Lender updated their guidelines, Rental loss coverage is now based on PITI, not rent.<br>P&I =$922.17<br> Taxes = $XXX<br> Insurance(including Flood) = $XXX<br> Monthly PITIA = $1,697.18<br>$XXXX.18 x 6 = $XXXXXXX, HOI rental loss coverage = $XXXXX | 2/18/22 Finding resolved<br>2/21/22 Finding resolved | 2/18/22 Finding resolved<br>2/21/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114330 | Credit | Credit | Resolved | Resolved | UA4PHAAMLVP-GBS1PN5O | Borrower(s) Flood Insurance Requirements (Fail) | \* Borrower(s) Flood Insurance Requirements (Fail) (Lvl R) | The guidelines, section 3.2, states that flood insurance is required for a property that is located within any area designated by XXXX as a Special Flood Hazard Area. The flood insurance is missing from the file, please provide the flood insurance policy. |  | 2/21/22 Flood insurance was included on the Master Condo Policy on page 2 | 2/21/22 Finding resolved | 2/21/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114332 | Credit | Doc Issue | Active | 2: Acceptable with Warnings | N1E4B1EAFXB-084LDYCE | VOM or VOR missing/required | \* VOM or VOR missing/required (Lvl 2) | Missing Verification of Mortgage or Rental history. Loan Application indicates borrower First-time Homebuyer. Loan file did not contained Documentation to support a 12-month history during the last 36 months. | High Credit Score<br>DTI below 25%<br>High Residual Income<br>Stability-Length of time at current employment<br>Conservative use of Consumer Credit |  | 2/25/2022: Resolved. Recieved exception approval for lack of housing payment history | 2/25/2022: Resolved. Recieved exception approval for lack of housing payment history | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114332 | Credit | Credit | Resolved | Resolved | N1E4B1EAFXB-HZ5671LK | Missing Doc | \* Missing Doc (Lvl R) | Missing LOE for ownership for Property address XXXX X XXXX XX, XXXXXXXXXXX, AZ. Final 1003 section 5 Declarations indicates borrower had no ownership interest in another property in the last three years. First page of final 1003 and DL Indicates property is owned by borrower. Credit report indicates borrower has prior mortgage with XXXX XXXXX last reported as of XX/XXXX. |  |  | 2/25/2022: Resolved. Received Property detail report for Property address XXXX X XXXX XX XXXXXXXXXXX, AZ that shows ownership is not the borrower. | 2/25/2022: Resolved. Received Property detail report for Property address XXXX X XXXX XX XXXXXXXXXXX, AZ that shows ownership is not the borrower. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114333 | Credit | Doc Issue | Resolved | Resolved | 235K3AATQC5-OPN6CQBU | Application Missing | \* Application Missing (Lvl R) | The final 1003 is missing from the loan file. |  |  | 02/15/2022: Resolved. The final 1003 has been provided for subject property XXXX XXXXXXX XXX | 02/15/2022: Resolved. The final 1003 has been provided for subject property XXXX XXXXXXX XXX | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114336 | Credit | Credit | Resolved | Resolved | VPTJRKQ4BFI-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The guidelines, section 5.7.3, states that a certificate of good standing is required for a LLC. The certificate of good standing is missing from the loan file and the loan closed in the name of a LLC. |  | 02/21/2022: Finding Resolved. The Lender provided the Commonwealth of Pennsylvania Dept. of State Subsistence Certificate dated XX/XX/XXXX. | 02/22/2022: Finding Resolved. | 02/22/2022: Finding Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114340 | Credit | Credit | Resolved | Resolved | AGO5XZ4VRAA-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The guidelines, section 5.7.3, states that a certificate of good standing is required for a LLC. The certificate of good standing is missing from the loan file. |  | 3/1/22 The Lender provided a Cert of Good Standing | 3/1/22 Finding resolved | 3/1/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114345 | Credit | Doc Issue | Resolved | Resolved | HA3U2R5D30D-084LDYCE | VOM or VOR missing/required | \* VOM or VOR missing/required (Lvl R) | Missing verification of rental history which is required per guidelines. | High Credit Score. 735 Representative credit score exceeds the minimum required credit score of 720 by 15 Points.<br>DTI below 35%. DTI is 25.50% below maximum DTI of 50%<br> .<br> Stability-Length of time at current employment. Borrower has been employed in same career for 12 years.<br>High Asset Reserves. 7 months Reserves exceeds the minimum 3 months required by 4 months.<br>High Residual Income. Borrower has $29,488.00 residual income after all expenses. | 3/4/22 In the original package on pages 426-476 transfer activity fromXX/XX/XXXX-XX/XX/XXXX showing $XXXX transfering(XXXXX) out of the borrower's XXX account #XXXX to XXXXXX XXXXXXXX, then bank statements from XX/XX/XXXX-XX/XX/XXXX showing transfers of $XXXX to XXXXXX XXXXXXXX | 3/4/22 Finding resolved | 3/4/22 Finding resolved | Validated | The report does not include explanatory notes detailing how the exception was resolved. 10.08.2025 received loan file with transfer activity and bank statements showing 12 months paid to Carlos G. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114352 | Credit | Title Issue | Resolved | Resolved | KSRQAZPFYNH-3MGROFI3 | Title issue | \* Title issue (Lvl R) | The Title Commitment reported the subject property was still vested in the Guarantor, individually, page 453. Provide the Final Title Policy for review. |  | We do not require an updated prelim title for a loan amount change. We obtain this with the final title policy, that comes later as a trailing document. What we do is send closing instructions to the closing agent/ title company that have them provide the final title policy when completed for our loan amount. They sign this document advising that it will be provided. We do not have the final title policy back yet on this loan but as soon as we do, we send it as a trailing document to an investor and this does not come up with any other due diligence firm. Please clear. Thanks | 2.3.2022: Exception resolved. | 2.3.2022: Exception resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114352 | Valuation | ValuationWaterfall | Resolved | Resolved | KSRQAZPFYNH-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | AVM dated XX/XX/XXXX has variance of -29.167% - which does not support the appraisal value within 10%. |  | Received XXXXX XXXXXXX AVM within 7.04% tolerance - to support appraisal value. Confidence score is 82.30 - does not meet Fitch requirements. 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | Finding Resolved. 03/22/2022: Finding Resolved | Finding Resolved. 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114352 | Valuation | Value | Resolved | Resolved | KSRQAZPFYNH-BRMDUXYB | Value used by lender not supported | \* Value used by lender not supported (Lvl R) | Post Close AVM Confidence Score 82.30 does not meet Fitch requirement of 90 or above. Desk Review ordered. |  | 03-24-2022 Post Fund valuation supports origination value. 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03-24-2022 Resolved 03/22/2022: Finding Resolved | 03-24-2022 Resolved 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114353 | Valuation | ValuationWaterfall | Resolved | Resolved | 1YL0L5HW4OI-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) |  |  | 02/04/2021: Finding Remains. If a secondary appraisal is required, this is up to the buyer to complete. We have made an agreement with the investor to do so. We provide the initial appraisal and if the investor deems a secondary one needed, they will order. 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 02/04/2022: Finding Remains 03/22/2022: Finding Resolved | 02/04/2022: Finding Remains 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114353 | Valuation | Value | Resolved | Resolved | 1YL0L5HW4OI-BRMDUXYB | Value used by lender not supported | \* Value used by lender not supported (Lvl R) | AVM in file with a -17.89% variance from appraised value. Additional valuation product required to support appraisal within 10%. |  | Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% XX/XX/XXXX: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved 02/04/2022: Finding Remains 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved 02/04/2022: Finding Remains 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114354 | Valuation | Value | Resolved | Resolved | YIX4RBC1SCA-BRMDUXYB | Value used by lender not supported | \* Value used by lender not supported (Lvl R) | Appraised value of $XXXXXX not supported. Pre-Fund AVM returned a value of $XXXXXX which resulted in a -16.00% variance. Post-fund ARR returned a value of $XXXXXX resulting in a -25.71% variance. Value still not supported. |  | 12-10-2021 Post fund BPO returned a value that supports origination value. | 11-30-2021 Finding remains<br> 12-10-2021 Exception resolved. | 11-30-2021 Finding remains<br> 12-10-2021 Exception resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114355 | Valuation | ValuationWaterfall | Resolved | Resolved | BFIZ0PWMKLD-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) |  |  | 02/04/2021: Finding Remains. If a secondary appraisal is required, this is up to the buyer to complete. We have made an agreement with the investor to do so. We provide the initial appraisal and if the investor deems a secondary one needed, they will order. 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 02/04/2022: Finding Remains 03/22/2022: Finding Resolved | 02/04/2022: Finding Remains 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114355 | Valuation | ValuationWaterfall | Resolved | Resolved | BFIZ0PWMKLD-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) |  |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114009 | Valuation | ValuationWaterfall | Resolved | Resolved | YCYC2J342O4-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | 02/04/2022: Finding Remains |  | 02/04/2021: Finding Remains. If a secondary appraisal is required, this is up to the buyer to complete. We have made an agreement with the investor to do so. We provide the initial appraisal and if the investor deems a secondary one needed, they will order. 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114009 | Valuation | ValuationWaterfall | Resolved | Resolved | YCYC2J342O4-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | The AVM reflected a value of $XXXXXX. The appraised value is $XXXXXX. The file did not include a desk review to support the appraised value. |  | 02/04/2021: Finding Remains. If a secondary appraisal is required, this is up to the buyer to complete. We have made an agreement with the investor to do so. We provide the initial appraisal and if the investor deems a secondary one needed, they will order. 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114009 | Valuation | ValuationWaterfall | Resolved | Resolved | YCYC2J342O4-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) |  |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114010 | Credit | Credit | Resolved | Resolved | KUDZBSL2ZLG-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl R) | Per guidelines, page 5, a secondary valuation is required for loan amounts greater than or equal to $XXXXXX. Secondary valuation is missing from the loan file. |  | 3/24/2022 Post fund Desk Review supports value. | 3/24/2022 Exception resolved. | 3/24/2022 Exception resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114010 | Valuation | ValuationWaterfall | Resolved | Resolved | KUDZBSL2ZLG-P672VUEJ | Full appraisal required. Form Type | \* Full appraisal required. Form Type (Lvl R) | Per guidelines hybrid appraisal where the property inspection and measurements are performed separately from the analysis of supporting data by a licensed appraiser<br> ● iValueNet55 with rent addendum. No issue. Loan file contains a ValueNet 55. |  | Received Desk Review | Findings Resolved | Findings Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114356 | Valuation | ValuationWaterfall | Resolved | Resolved | CNI3O2BXS4N-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114011 | Valuation | ValuationWaterfall | Resolved | Resolved | PWNWAKHZVGN-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | AVM value of $XXXXX does not support appraised value of $XXXXXX (variance is 20.588%). Please provide update to support value. |  | 02/04/2021: Finding Remains. If a secondary appraisal is required, this is up to the buyer to complete. We have made an agreement with the investor to do so. We provide the initial appraisal and if the investor deems a secondary one needed, they will order. 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 02/04/2022: Finding Remains 03/22/2022: Finding Resolved | 02/04/2022: Finding Remains 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114011 | Valuation | Value | Resolved | Resolved | PWNWAKHZVGN-BRMDUXYB | Value used by lender not supported | \* Value used by lender not supported (Lvl R) | AVM in file with variance of -20.588%. Desk review or field review required. |  | 03-24-2022 Post Fund valuation supports origination value. 3/22/2022: Received XXXXX XXXXXXXl Desk Review to support appraisal value within 10% | 02/04/2022: Finding Remains<br> 03/24/2022 resolved 03/22/2022: Finding Resolved | 02/04/2022: Finding Remains<br> 03/24/2022 resolved 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114011 | Valuation | ValuationWaterfall | Resolved | Resolved | PWNWAKHZVGN-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) |  |  | 3/22/2022: Received XXXXX XXXXXXXl Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114012 | Valuation | ValuationWaterfall | Resolved | Resolved | JFVO0NVKGC3-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) |  |  | 02/04/2021: Finding Remains. If a secondary appraisal is required, this is up to the buyer to complete. We have made an agreement with the investor to do so. We provide the initial appraisal and if the investor deems a secondary one needed, they will order. 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 02/04/2022: Finding Remains 03/22/2022: Finding Resolved | 02/04/2022: Finding Remains 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114012 | Valuation | Value | Resolved | Resolved | JFVO0NVKGC3-BRMDUXYB | Value used by lender not supported | \* Value used by lender not supported (Lvl R) | AVM in file with -17.757% variance, which exceeds guideline maximum of -10%. Field or desk review required. |  | 03-24-2022 Post Fund valuation supports origination value. 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 02/04/2022: Finding Remains<br> 03/24/2022 resolved 03/22/2022: Finding Resolved | 02/04/2022: Finding Remains<br> 03/24/2022 resolved 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114012 | Valuation | ValuationWaterfall | Resolved | Resolved | JFVO0NVKGC3-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) |  |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114358 | Credit | Doc Issue | Resolved | Resolved | IHXWHDINDO3-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | Title coverage of $XXXXX is less than the note amount of $XXXXX |  | We do not require an updated prelim title for a loan amount change. We obtain this with the final title policy, that comes later as a trailing document. What we do is send closing instructions to the closing agent/ title company that have them provide the final title policy when completed for our loan amount. They sign this document advising that it will be provided. We do not have the final title policy back yet on this loan but as soon as we do, we send it as a trailing document to an investor and this does not come up with any other due diligence firm. Please clear. Thanks! | 2.4.2022 Exception resolved | 2.4.2022 Exception resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114358 | Valuation | ValuationWaterfall | Resolved | Resolved | IHXWHDINDO3-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | AVM of $XXXXX is greater than 10% variance of appraised value amount of $XXXXXX. Desktop or field review is required. |  | 02/07/2021: Finding Remains. If a secondary appraisal is required, this is up to the buyer to complete. We have made an agreement with the investor to do so. We provide the initial appraisal and if the investor deems a secondary one needed, they will order. 3/22/2022: Received XXXXX XXXXXXXDesk Review to support appraisal value within 10% | 02/07/2022: Finding Remains 03/22/2022: Finding Resolved | 02/07/2022: Finding Remains 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114358 | Credit | Guidelines | Resolved | Resolved | IHXWHDINDO3-JLS636HP | Income documentation does not meet guidelines | \* Income documentation does not meet guidelines (Lvl R) | Missing signed lease agreement required for occupied properties per guidelines. |  |  | 4.18.2022: Finding resolved. | 4.18.2022: Finding resolved. | Unvalidated | The report does not include explanatory notes detailing how the exception was resolved. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114358 | Valuation | Value | Resolved | Resolved | IHXWHDINDO3-BRMDUXYB | Value used by lender not supported | \* Value used by lender not supported (Lvl R) | AVM of $XXXXX is greater than 10% variance of appraised value amount of $XXXXXX. Desktop or field review is required. |  | 03-24-2022 Post Fund valuation supports origination value. 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 02/07/2022: Finding Remains<br> 03/24/2022 Resolved 03/22/2022: Finding Resolved | 02/07/2022: Finding Remains<br> 03/24/2022 Resolved 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114359 | Valuation | ValuationWaterfall | Resolved | Resolved | RI3SKFMCOMY-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | AVM available in file Pg# 39 doesn't support the Appraisal value. Need updated AVM with the supported value. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114359 | Credit | Insurance | Resolved | Resolved | RI3SKFMCOMY-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | HOI beneficiary reflects XXXXXXXXXX XXXXXXXX XXXXXXXXX XXXXX. Per guidelines, section 4.3, beneficiary must reflect LendingHome and its successors and assigns (ISAOA). |  | Client confirmed XXXXXXXXXX as the Mortgagee clause is their servicer. | 2.15.2022: Finding Resolved | 2.15.2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114359 | Credit | Doc Issue | Resolved | Resolved | RI3SKFMCOMY-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title policy reflects an insured amount of $XXXXXX, which is less than the loan amount of $XXXXXX. Please provide updated title. |  | We do not require an updated prelim title for a loan amount change. We obtain this with the final title policy, that comes later as a trailing document. What we do is send closing instructions to the closing agent/ title company that have them provide the final title policy when completed for our loan amount. They sign this document advising that it will be provided. We do not have the final title policy back yet on this loan but as soon as we do, we send it as a trailing document to an investor and this does not come up with any other due diligence firm. Please clear. Thanks! | 2.4.2022 Exception resolved | 2.4.2022 Exception resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114359 | Valuation | ValuationWaterfall | Resolved | Resolved | RI3SKFMCOMY-7AQ27IAZ | Orig.value not supported by Post-Close Desk Review | \* Post-closing Desk Review does not support value at origination (Lvl R) |  |  |  | 4.18.2022: Finding resolved. | 4.18.2022: Finding resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. Comments from other Value findings on loan used to validate. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114359 | Valuation | ValuationWaterfall | Resolved | Resolved | RI3SKFMCOMY-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) |  |  | 3/22/2022: Received XXXXX XXXXXXXl Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114013 | Valuation | ValuationWaterfall | Resolved | Resolved | GRSYCCMDFJR-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) |  |  | 02/04/2021: Finding Remains. If a secondary appraisal is required, this is up to the buyer to complete. We have made an agreement with the investor to do so. We provide the initial appraisal and if the investor deems a secondary one needed, they will order. 3/22/2022: Received XXXXX XXXXXXXX Desk Review to support appraisal value within 10% | 02/04/2022: Finding Remains 03/22/2022: Finding Resolved | 02/04/2022: Finding Remains 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114013 | Valuation | Value | Resolved | Resolved | GRSYCCMDFJR-BRMDUXYB | Value used by lender not supported | \* Value used by lender not supported (Lvl R) | Appraised value $XXXXXX is not supported within 10% of the AVM value $XXXXXX. The variance is -15.672%. Field or desk review required. |  | 03-24-2022 Post Fund valuation supports origination value. 3/22/2022: Received XXXXX XXXXXXXX Desk Review to support appraisal value within 10% | 02/04/2022: Finding Remains<br> 03-24-2022 resolved 03/22/2022: Finding Resolved | 02/04/2022: Finding Remains<br> 03-24-2022 resolved 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114013 | Valuation | ValuationWaterfall | Resolved | Resolved | GRSYCCMDFJR-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) |  |  | 3/22/2022: Received XXXXX XXXXXXXl Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114361 | Valuation | ValuationWaterfall | Resolved | Resolved | VJVQ2OT11P5-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) |  |  | 02/04/2021: Finding Remains. If a secondary appraisal is required, this is up to the buyer to complete. We have made an agreement with the investor to do so. We provide the initial appraisal and if the investor deems a secondary one needed, they will order. 3/22/2022: Received XXXXX XXXXXXXl Desk Review to support appraisal value within 10% | 02/04/2022: Finding Remains 03/22/2022: Finding Resolved | 02/04/2022: Finding Remains 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114361 | Credit | Guidelines | Resolved | Resolved | VJVQ2OT11P5-VNE38QI3 | Mortgage/Rental lates exceed guidelines | \* Mortgage/Rental lates exceed guidelines (Lvl R) | The loan file is missing a full 12 month payment history for the subject property to verify >1x30 past 12 months. Provide the months from XX/XXXX and prior equaling the 5 additional months not reviewed on pages 357 & 260. |  | The lender responded a full payment history is not required. | 3.4.2022 finding resolved | 3.4.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114361 | Valuation | Value | Resolved | Resolved | VJVQ2OT11P5-BRMDUXYB | Value used by lender not supported | \* Value used by lender not supported (Lvl R) | The Appraisal Value $XXXXXX, page 403, was used for qualifying LTV of 65%. The AVM valued the subject at $XXXXXX, page 1, 12% below appraised value. Although the Secondary AVM value was not required for loan amounts <$XXXXXX, it was is included in the loan file. Missing Third Party Valuation Product to support the appraised value within 10% variance. |  | 03-24-2022 Post Fund valuation supports origination value. 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 02/04/2022: Finding Remains<br> 03-24-2022 resolved 03/22/2022: Finding Resolved | 02/04/2022: Finding Remains<br> 03-24-2022 resolved 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114014 | Valuation | ValuationWaterfall | Resolved | Resolved | LJLEERTT3Q2-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) |  |  | 3/22/2022: Received XXXXX XXXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114014 | Credit | Doc Issue | Resolved | Resolved | LJLEERTT3Q2-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The insured amount is less than the loan amount. |  | We do not require an updated prelim title for a loan amount change. We obtain this with the final title policy, that comes later as a trailing document. What we do is send closing instructions to the closing agent/ title company that have them provide the final title policy when completed for our loan amount. They sign this document advising that it will be provided. We do not have the final title policy back yet on this loan but as soon as we do, we send it as a trailing document to an investor and this does not come up with any other due diligence firm. Please clear. Thanks! | 2.4.2022 Exception resolved | 2.4.2022 Exception resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114014 | Valuation | ValuationWaterfall | Resolved | Resolved | LJLEERTT3Q2-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | AVM is not required |  | 3/22/2022: Received XXXXX XXXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114014 | Valuation | ValuationWaterfall | Resolved | Resolved | LJLEERTT3Q2-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) |  |  | 3/22/2022: Received XXXXX XXXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114362 | Valuation | ValuationWaterfall | Resolved | Resolved | BGQUWLXSZH1-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The May 2021 Guidelines, section 3.6, page 6 require a secondary valuation which may be an AVM, Desktop Review, or Field Review, with a supporting value as defined in the table below. AVMs must have a forecast standard deviation (FSD) of <=0.10 to be valid. The subject property appraised for $XXXXXX. The AVM on page 307 reflects a value of $XXXXXX which is 21.852% less than the appraised value. |  | 3/22/2022: Received XXXXX XXXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114362 | Valuation | ValuationWaterfall | Resolved | Resolved | BGQUWLXSZH1-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | The May 2021 Guidelines, section 3.6, page 6 require a secondary valuation which may be an AVM, Desktop Review, or Field Review, with a supporting value as defined in the table below. AVMs must have a forecast standard deviation (FSD) of <=0.10 to be valid. The subject property appraised for $XXXXXX. The AVM on page 307 reflects a value of $XXXXXX which is 21.852% less than the appraised value. |  | 3/22/2022: Received XXXXX XXXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114362 | Valuation | ValuationWaterfall | Resolved | Resolved | BGQUWLXSZH1-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) |  |  | 3/22/2022: Received XXXXX XXXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114363 | Valuation | ValuationWaterfall | Resolved | Resolved | ERMKXFIX315-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) |  |  | 02/04/2021: Finding Remains. If a secondary appraisal is required, this is up to the buyer to complete. We have made an agreement with the investor to do so. We provide the initial appraisal and if the investor deems a secondary one needed, they will order. 3/22/2022: Received Post Close AVM within 10% tolerance but Confidence score below 90 | 02/04/2022: Finding Remains 03/22/2022: Finding Remains | 02/04/2022: Finding Remains 03/22/2022: Finding Remains | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114365 | Valuation | ValuationWaterfall | Resolved | Resolved | OA41P1EZ12A-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXX, the AVM reflects a value of $XXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXX. |  | 3/22/2022: Received XXXXX XXXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114365 | Valuation | ValuationWaterfall | Resolved | Resolved | OA41P1EZ12A-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) |  |  | 3/22/2022: Received XXXXX XXXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114366 | Credit | Insurance | Resolved | Resolved | AFVGCOEGZPB-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Hazard insurance has wrong mortgagee clause. It should be LendingHome and its successors and assigns (ISAOA). |  | Client confirmed XXXXXXXXXX as the Mortgagee clause is their servicer. | 2.15.2022: Finding Resolved | 2.15.2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114366 | Valuation | Value | Resolved | Resolved | AFVGCOEGZPB-BRMDUXYB | Value used by lender not supported | \* Value used by lender not supported (Lvl R) | Second valuation not provided. Per guideline, section 3.6, a secondary valuation product is required for loan amounts greater than or equal to $XXXXXX. Please provide second valuation. |  | 03-24-2022 Post Fund valuation supports origination value. 3/22/2022: Received Post Close AVM within 10% tolerance | 03-24-2022 Resolved 03/22/2022: Finding Resolved | 03-24-2022 Resolved 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114367 | Valuation | Doc Issue | Resolved | Resolved | L5KJNTSZFXC-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl R) | The original appraisal including the rent addendum is missing from the loan file, the invoice for the original appraisal is found on page 65 showing it was ordered and paid for on 9/9/21 but the completed appraisal is not found. |  | The lender provided appraisal. | 3.17.2022 finding resolved | 3.17.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114367 | Valuation | Doc Issue | Resolved | Resolved | L5KJNTSZFXC-4M12HOPC | Appraisal not dated | \* Appraisal not dated (Lvl R) | The original appraisal including the rent addendum is missing from the loan file, the invoice for the original appraisal is found on page 65 showing it was ordered and paid for on XX/XX/XXXX but the completed appraisal is not found. |  | The lender provided the appraisal. | 3.17.2022 finding resolved | 3.17.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114367 | Valuation | Doc Issue | Resolved | Resolved | L5KJNTSZFXC-OR5FH5OU | Appraisal incomplete (missing map, layout, pages, | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Appraisal is missing the market rent. DSCR unable to be calculated. |  | 04-13-2022 Received pre-close appraisal. DSCR calculated. Used Market Rent for DSCR calculation. | 04-13-2022 Resolved | 04-13-2022 Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114368 | Valuation | ValuationWaterfall | Resolved | Resolved | BV5E2G2PU4S-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | AVM value of $XXXXXX does not support appraised value of $XXXXXX (variance is 22.51%). Please provide updated value. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114368 | Valuation | ValuationWaterfall | Resolved | Resolved | BV5E2G2PU4S-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) |  |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114369 | Credit | Credit Worthiness | Resolved | Resolved | PXKFK1XDSGB-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl R) | Loan file does not contain mortgage history on subject property, property acquired XX/XX/XXXX. | Borrower FICO score is 721 exceeds the lender guideline minimum required of 640 by 81.<br>DSCR score is 1.97% exceeds the lender guideline minimum required of 1.1% by 0.87%.<br>| The lender replied that a full payment history is not required. | 3.4.2022 Exception resolved | 3.4.2022 Exception resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114369 | Valuation | ValuationWaterfall | Resolved | Resolved | PXKFK1XDSGB-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) |  |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114370 | Credit | Insurance | Resolved | Resolved | VTTXH2MAOCN-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | The Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX XXXXXXXXXX XXXXXXX XXXXXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA). |  | Client confirmed XXXXXXXXXX as the Mortgagee clause is their servicer | 2.25.2022 Finding resolved | 2.25.2022 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114370 | Valuation | ValuationWaterfall | Resolved | Resolved | VTTXH2MAOCN-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The IVN55 with rent addendum valued the subject property at $XXXXXX. The secondary valuation, an AVM, valued the subject property at $XXXXX. Per guideline 3.6, valuation, provides that if the AVM is lower than the appraised value by more than a 10% variance, the AVM value is used. Based on the $XXXXX loan and $XXXXX valuation, the LTV/CLTV is XXX%. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114370 | Valuation | ValuationWaterfall | Resolved | Resolved | VTTXH2MAOCN-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) |  |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114371 | Credit | Doc Issue | Resolved | Resolved | DTVY30U5URX-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The Preliminary title work proposed insufficient mortgagee insurance amount of $XXXXXX, page 370. The Note and Deed of Trust amount was $XXXXXX. Provide the Final Title Policy for review. |  | The lender provided the title | 2/02/2022: Finding resolved. | 2/02/2022: Finding resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114371 | Valuation | ValuationWaterfall | Resolved | Resolved | DTVY30U5URX-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The XXXXXXXXXXX XXXXXXXXX AVM, page 90, valued the property at $XXXXXX, which was not within 10% tolerance of the Appraisal value of $XXXXXX required under guidelines Section 4.4 requirements. Missing Third Party Appraisal Product to verify the Appraisal value within 10% tolerance. |  | 02/03/2022: Finding Remains. If a secondary appraisal is required, this is up to the buyer to complete. We have made an agreement with the investor to do so. We provide the initial appraisal and if the investor deems a secondary one needed, they will order. 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 02/03/2022: Finding Remains 03/22/2022: Finding Resolved | 02/03/2022: Finding Remains 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114371 | Valuation | ValuationWaterfall | Resolved | Resolved | DTVY30U5URX-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) |  |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114372 | Valuation | ValuationWaterfall | Resolved | Resolved | EWZJSMR4WZP-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | AVM value of $XXXXXX does not support appraised value of $XXXXXX (variance is 14.61%). Please provide update to support value. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114372 | Valuation | ValuationWaterfall | Resolved | Resolved | EWZJSMR4WZP-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) |  |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114373 | Valuation | ValuationWaterfall | Resolved | Resolved | ZOE3FYF2IKD-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | AVM value of $XXXXXX does not support appraised value of $XXXXXX (variance is 15.429%). Please provide updated value. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114373 | Credit | Insurance | Resolved | Resolved | ZOE3FYF2IKD-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | HOI reflects XXXXXXXXXX XXXXXXXX XXXXXXXXX ATIMA as Beneficiary. Per Guidelines, Section 4.3, Beneficiary should Reflect Lending Home and ISAOA. HOI Premium amount is missing on it, Need a Updated HOI statement with Premium and Beneficiary. |  | Client confirmed XXXXXXXXXX as the Mortgagee clause is their servicer | 2/16/2022: Finding Resolved | 2/16/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114373 | Valuation | ValuationWaterfall | Resolved | Resolved | ZOE3FYF2IKD-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) |  |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114374 | Credit | Insurance | Resolved | Resolved | QCQX1BJTE1W-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX XXXXXXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA). Please provide updated policy reflecting correct beneficiary. |  | Client confirmed XXXXXXXXXX as the Mortgagee clause is their servicer | 2/16/2022: Finding Resolved | 2/16/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114374 | Valuation | ValuationWaterfall | Resolved | Resolved | QCQX1BJTE1W-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The AVM available in file on Pg#93; however, it does not support the Appraisal value. The present AVM value is $XXXXXX and the Appraised Value is $XXXXXX, hence the variance is -13.60%. Please provide updated AVM with the supported appraised value. |  | 02/07/2021: Finding Remains. If a secondary appraisal is required, this is up to the buyer to complete. We have made an agreement with the investor to do so. We provide the initial appraisal and if the investor deems a secondary one needed, they will order. 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 02/07/2022: Finding Remains 03/22/2022: Finding Resolved | 02/07/2022: Finding Remains 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114374 | Valuation | ValuationWaterfall | Resolved | Resolved | QCQX1BJTE1W-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) |  |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114015 | Credit | Insurance | Resolved | Resolved | OVT1OXGJYBB-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Homeowner's insurance policy reflects XXXXX XXXXX XXXXXXXX XXXXXXXXX ISAOA ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect Lending Home and its successors and assigns (ISAOA). Please provide updated policy reflecting correct beneficiary. |  | Client confirmed XXXXXXXXXX as the Mortgagee clause is their servicer | 2.25.2022 finding resolved | 2.25.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114015 | Valuation | ValuationWaterfall | Resolved | Resolved | OVT1OXGJYBB-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXXX. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114375 | Credit | Insurance | Resolved | Resolved | OVTWLWBDDQ1-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Home owner's insurance policy reflects XXXXXXXXXX XXXXXXXX XXXXXXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA). Please provide updated policy reflecting correct beneficiary. |  | Client confirmed XXXXXXXXXX as the Mortgagee clause is their servicer | 2/16/2022: Finding Resolved | 2/16/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114375 | Credit | Doc Issue | Resolved | Resolved | OVTWLWBDDQ1-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | Amount of title insurance $XXXXXX is less than mortgage loan amount $XXXXXX. Need updated Title Insurance Policy. |  | The lender rebutted: We do not require an updated prelim title for a loan amount change. We obtain this with the final title policy, that comes later as a trailing document. What we do is send closing instructions to the closing agent/ title company that have them provide the final title policy when completed for our loan amount. They sign this document advising that it will be provided. We do not have the final title policy back yet on this loan but as soon as we do, we send it as a trailing document to an investor and this does not come up with any other due diligence firm. Please clear. Thanks | 3.17.2022: Finding Waiver Applied; Final Grade EV B | 3.17.2022: Finding Waiver Applied; Final Grade EV B | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114375 | Valuation | ValuationWaterfall | Resolved | Resolved | OVTWLWBDDQ1-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | AVM value of $XXXXXX does not support appraised value of $XXXXXX (variance is 43.92%). Please provide update to support value. |  | 3/22/2022: Received Post Close AVM to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114376 | Valuation | ValuationWaterfall | Resolved | Resolved | Z5T1NEBLCL4-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The AVM on file, page 140, does not support the appraisal value. The appraisal reflects a value of $XXXXX and the AVM reflects a value of $XXXXX a 21.277% difference. The file did not include a CU score. Please provide additional documentation to support the value of $XXXXX. |  | 02/03/2022: Finding Remains. If a secondary appraisal is required, this is up to the buyer to complete. We have made an agreement with the investor to do so. We provide the initial appraisal and if the investor deems a secondary one needed, they will order. 3/22/2022: Received XXXXX XXXXXXXX Desk Review to support appraisal value within 10% | 02/03/2022: Finding Remains 03/22/2022: Finding Resolved | 02/03/2022: Finding Remains 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114376 | Valuation | ValuationWaterfall | Resolved | Resolved | Z5T1NEBLCL4-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | The loan file contains a full appraisal, form 1004 for a single property and a 1007 form for rent schedule as required by the applicable guidelines on section 3.6. No issue. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114376 | Valuation | ValuationWaterfall | Resolved | Resolved | Z5T1NEBLCL4-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) |  |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114377 | Valuation | Doc Issue | Resolved | Resolved | HRM0GHM0PVJ-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl R) | Appraisal Report is missing in the file. |  | 02/23/2022: Finding Resolved. The lender provided the full Form 1004 appraisal with Form 1007. | 02/23/2022: Finding Resolved. | 02/23/2022: Finding Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114377 | Valuation | Doc Issue | Resolved | Resolved | HRM0GHM0PVJ-4M12HOPC | Appraisal not dated | \* Appraisal not dated (Lvl R) | Appraisal Report is missing in the file. |  | 02/23/2022: Finding Resolved. The lender provided the full Form 1004 appraisal with Form 1007. | 02/23/2022: Finding Resolved. | 02/23/2022: Finding Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114377 | Credit | Insurance | Resolved | Resolved | HRM0GHM0PVJ-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Home owner's insurance policy reflects XXXXX XXXXX XXXXXXXX XXXXXXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA). Please provide updated policy reflecting correct beneficiary. |  | Client confirmed XXXXXXXXXX as the Mortgagee clause is their servicer. | 2/16/2022: Finding Resolved | 2/16/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114377 | Valuation | ValuationWaterfall | Resolved | Resolved | HRM0GHM0PVJ-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | 02/23/2022: New Finding. The lender provided the full Form 1004 appraisal with Form 1007. Upon review of original stipulation: The Appraised Value $XXXXXX (Conditions Folder) was not supported by the XXXXXXXXXX XXXXXXXXXX AVM Value $XXXXX (pg. 26) within 10% tolerance. Missing Third Party Appraisal Product verifying the Appraisal Value within 10% tolerance. |  | The lender provided a full 1004 with 1007. 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 3.1.2022 The lender provided a full 1004 with 1007 dated XX/XX/XXXX with a value of $XXXXXX. The AVM provided in the original file is dated XX/XX/XXXX and provides an estimated value of $XXXXX with a confidence score of 0.23. The guidelines 3.6 on page 5-6 states if a traditional appraisal is provided a CU score less than or equal to 2.5 is required. No CU score was provided. 03/22/2022: Finding Resolved | 3.1.2022 The lender provided a full 1004 with 1007 dated XX/XX/XXXX with a value of $XXXXXX. The AVM provided in the original file is dated XX/XX/XXXX and provides an estimated value of $XXXXX with a confidence score of 0.23. The guidelines 3.6 on page 5-6 states if a traditional appraisal is provided a CU score less than or equal to 2.5 is required. No CU score was provided. 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114377 | Credit | Credit | Resolved | Resolved | HRM0GHM0PVJ-HZ5671LK | Missing Doc | \* Missing Doc (Lvl R) | Required form 1007(SFR Comparable Rent Schedule) to document the market rent of the property. |  | 02/23/2022: Finding Resolved. The lender provided the full appraisal with form 1007. | 02/23/2022: Finding Resolved. | 02/23/2022: Finding Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114377 | Valuation | ValuationWaterfall | Resolved | Resolved | HRM0GHM0PVJ-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | 02/23/2022: New Finding. The lender provided the full Form 1004 appraisal with Form 1007. Upon review of original stipulation: The Appraised Value $XXXXXX (Conditions Folder) was not supported by the XXXXXXXXXX XXXXXXXXX AVM Value $XXXXX (pg. 26) within 10% tolerance. Missing Third Party Appraisal Product verifying the Appraisal Value within 10% tolerance. |  | The lender provided a full 1004 with 1007. 3/22/2022: Received XXXXX XXXXXXXl Desk Review to support appraisal value within 10% | 3.1.2022 The lender provided a full 1004 with 1007 dated XX/XX/XXXX with a value of $XXXXXXX. The AVM provided in the original file is dated XX/XX/XXXX and provides an estimated value of $XXXXXX with a confidence score of 0.23. The guidelines 3.6 on page 5-6 states if a tradiditonal appraisal is provided a CU score less than or equal to 2.5 is required. No CU score was provided. 03/22/2022: Finding Resolved | 3.1.2022 The lender provided a full 1004 with 1007 dated XX/XX/XXXX with a value of $XXXXXXX. The AVM provided in the original file is dated XX/XX/XXXX and provides an estimated value of $XXXXXX with a confidence score of 0.23. The guidelines 3.6 on page 5-6 states if a tradiditonal appraisal is provided a CU score less than or equal to 2.5 is required. No CU score was provided. 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114378 | Credit | Insurance | Resolved | Resolved | NUUJQ1HXXW5-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Home owner's insurance policy reflects XXXXXXXXXX XXXXXXXX XXXXXXXXXATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA). Please provide updated policy reflecting correct beneficiary. |  | Client confirmed XXXXXXXXXX as the Mortgagee clause is their servicer. | 2/16/2022: Finding Resolved | 2/16/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114378 | Valuation | ValuationWaterfall | Resolved | Resolved | NUUJQ1HXXW5-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | AVM value of $XXXXXX does not support appraised value of $XXXXXX (variance is 21.53%). Please provide update to support value.. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114379 | Valuation | ValuationWaterfall | Resolved | Resolved | 1VB3BKJ35N2-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The subject property appraised for $XXXXXX on XX/XX/XXXX. The guidelines on page 6 require a secondary valuation which may be an AVM, Desktop Review, or Field Review, with a supporting value as defined in the table below. AVMs must have a forecast standard deviation (FSD) of <=0.10 to be valid. AVMs with FSD >0.10 require a Desktop or Field Review. The AVM dated XX/XX/XXXX on page 109 of the loan file reflects a $XXXXXX value which is 30.769% less than the appraised value. The AVM did not support the appraised value of the subject property. |  | 02/03/2022: Finding Remains. If a secondary appraisal is required, this is up to the buyer to complete. We have made an agreement with the investor to do so. We provide the initial appraisal and if the investor deems a secondary one needed, they will order. 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 02/03/2022: Finding Remains 03/22/2022: Finding Resolved | 02/03/2022: Finding Remains 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114379 | Valuation | ValuationWaterfall | Resolved | Resolved | 1VB3BKJ35N2-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | The subject property appraised for $XXXXXX on XX/XX/XXXX. The guidelines on page 6 require a secondary valuation which may be an AVM, Desktop Review, or Field Review, with a supporting value as defined in the table below. AVMs must have a forecast standard deviation (FSD) of <=0.10 to be valid. AVMs with FSD >0.10 require a Desktop or Field Review. The AVM dated XX/XX/XXXX on page 109 of the loan file reflects a $XXXXXX value which is 30.769% less than the appraised value. The AVM did not support the appraised value of the subject property. |  | 02/03/2022: Finding Remains. If a secondary appraisal is required, this is up to the buyer to complete. We have made an agreement with the investor to do so. We provide the initial appraisal and if the investor deems a secondary one needed, they will order. 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 02/07/2022: Finding Remains 03/22/2022: Finding Resolved | 02/07/2022: Finding Remains 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114379 | Valuation | ValuationWaterfall | Resolved | Resolved | 1VB3BKJ35N2-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) |  |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114380 | Credit | Doc Issue | Resolved | Resolved | M3TWFDGRJUV-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title policy reflects an insured amount of $XXXXXX0, which is less than the loan amount of $XXXXXX. |  | 02/23/2022: Finding Resolved. The Lender provided the final HUD-1 with Title Charge for Title-Lender's Policy for $XXXXXX paid at closing. | 02/23/2022: Finding Resolved. | 02/23/2022: Finding Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114380 | Credit | Doc Issue | Resolved | Resolved | M3TWFDGRJUV-ZSOV6EYX | Not all borrowers signed HUD | \* Not all borrowers signed HUD (Lvl R) | Final HUD was not executed by borrower. |  | 02/23/2022: Finding Resolved. The Lender provided the closing agent's stamped Certified True and Correct Copy Final HUD-1 | 02/23/2022: Finding Resolved.<br>| 02/23/2022: Finding Resolved.<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114381 | Valuation | ValuationWaterfall | Resolved | Resolved | SS3V4B4GRSI-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114382 | Credit | Credit | Resolved | Resolved | CO5BWPWBVXC-55CO978W | Credit report >4 months old at closing | \* Credit report >4 months old at closing (Lvl R) | The guidelines, section 1.7 Document Validity allows the credit report to be dated 180 days from date of borrower approval by the underwriter. The loan file did not include a copy of the loan approval. The credit report is dated XX/XX/XXXX, the loan closed on XX/XX/XXXX which is 189 days at time of closing. |  | The lender provided an updated credit report dated XX/XX/XXXX | 3.8.2022 finding resolved. | 3.8.2022 finding resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114382 | Valuation | ValuationWaterfall | Resolved | Resolved | CO5BWPWBVXC-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance the 2nd valuation is used for the LTV. The appraisal in loan file states the value at $XXXX and the AVM in file states the value at $XXXX. The loan closed using the LTV of the higher value. The file does not contain any other value to support. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114382 | Valuation | ValuationWaterfall | Resolved | Resolved | CO5BWPWBVXC-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) | Appraisal provided in original file dated XX/XX/XXXX has a value of $XXXXXX. Post origination AVM dated XX/XX/XXXX discloses a value of $XXXXXX. There is a 21.296% variance. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114383 | Credit | Doc Issue | Resolved | Resolved | 2SWKQWRQZ4U-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title policy reflects an insurance amount of $XXXXXX, which is less than the loan amount of $XXXXXX. |  | We do not require an updated prelim title for a loan amount change. We obtain this with the final title policy, that comes later as a trailing document. What we do is send closing instructions to the closing agent/ title company that have them provide the final title policy when completed for our loan amount. They sign this document advising that it will be provided. We do not have the final title policy back yet on this loan but as soon as we do, we send it as a trailing document to an investor and this does not come up with any other due diligence firm. Please clear. Thanks | 3.7.2022 finding resolved | 3.7.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114383 | Valuation | ValuationWaterfall | Resolved | Resolved | 2SWKQWRQZ4U-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | AVM value of $XXXXXX does not support appraised value of $XXXXXX. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114383 | Valuation | ValuationWaterfall | Resolved | Resolved | 2SWKQWRQZ4U-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) | Appraisal dated XX/XX/XXXX included with original file shows value as $XXXXXX. Post origination valuation dated XX/XX/XXXX discloses a value of $XXXXXX. This is a variance of 34.627%. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114384 | Credit | Insurance | Resolved | Resolved | WMQNCXI2NCT-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX XXXXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA). Please provide updated policy reflecting correct beneficiary. |  | Client confirmed XXXXXXXXXX as the Mortgagee clause is their servicer. | 2/16/2022: Finding Resolved | 2/16/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114384 | Valuation | ValuationWaterfall | Resolved | Resolved | WMQNCXI2NCT-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | AVM value of $XXXXX does not support appraised value of $XXXXXX (variance is 30.35%). Please provide update to support value. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114385 | Credit | Insurance | Resolved | Resolved | S1LTTOTWZW2-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | HOI reflects XXXXXXXXXX XXXXXXXX XXXXXXX ATIMA as Beneficiary. Per Guidelines, Section 4.3, Beneficiary should Reflect Lending Home and ISAOA. |  | Client confirmed XXXXXXXXXX as the Mortgagee clause is their servicer. | 2/16/2022: Finding Resolved | 2/16/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114386 | Credit | Eligibility | Resolved | Resolved | XB1XXGZTNAM-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl R) | LTV of XX.XX% exceeds maximum of 80% permitted per guidelines. Lower AVM Value used for LTV calculations as indicated per guidelines. |  | Post origination valuation $XXXXXX supports original appraised value. | 3.17.2022 Finding resolved | 3.17.2022 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114386 | Credit | Insurance | Resolved | Resolved | XB1XXGZTNAM-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX XXXXXXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA). |  | Client confirmed XXXXXXXXXX as the Mortgagee clause is their servicer. | 2/16/2022: Finding Resolved | 2/16/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114386 | Credit | Eligibility | Resolved | Resolved | XB1XXGZTNAM-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl R) | LTV of XX.XX% exceeds maximum of 80% permitted per guidelines. Lower AVM Value used for LTV calculations as indicated per guidelines. |  | Post origination valuation $XXXXXX supports original appraised value. | 3.17.2022: Finding resolved. | 3.17.2022: Finding resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114386 | Credit | Credit | Resolved | Resolved | XB1XXGZTNAM-VADECRA3 | Borrower(s) LTV Requirement (Fail) | \* Borrower(s) LTV Requirement (Fail) (Lvl R) | LTV of XX.XX% exceeds maximum of 80% permitted per guidelines. Lower AVM Value used for LTV calculations as indicated per guidelines. |  | Post origination valuation $XXXXXX supports original appraised value. | 3.17.2022: Finding resolved | 3.17.2022: Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114386 | Valuation | ValuationWaterfall | Resolved | Resolved | XB1XXGZTNAM-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | AVM with value of $XXXXXX is -12.963% variance from the appraised value of $XXXXXX. Value not supported. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114387 | Credit | Insurance | Resolved | Resolved | DUZKIEXFZ25-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX XXXXXXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect Lending Home and its successors and assigns (ISAOA). Please provide updated policy reflecting correct beneficiary. |  | Client confirmed XXXXXXXXXX as the Mortgagee clause is their servicer. | 2/16/2022: Finding Resolved | 2/16/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114387 | Valuation | ValuationWaterfall | Resolved | Resolved | DUZKIEXFZ25-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114387 | Valuation | ValuationWaterfall | Resolved | Resolved | DUZKIEXFZ25-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) |  |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114388 | Credit | Insurance | Resolved | Resolved | RNFKKC0IEO5-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX XXXXXXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA). Please provide updated policy reflecting correct beneficiary. |  | Client confirmed XXXXXXXXXX as the Mortgagee clause is their servicer. | 2.25.2022 finding resolved | 2.25.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114388 | Valuation | ValuationWaterfall | Resolved | Resolved | RNFKKC0IEO5-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | AVM value of $XXXXXX does not support appraised value of $XXXXXX (variance is 40.455%). Please provide updated value. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114388 | Valuation | ValuationWaterfall | Resolved | Resolved | RNFKKC0IEO5-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) |  |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114389 | Credit | Insurance | Resolved | Resolved | L1KRLSYIX3G-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX XXXXXXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA). Please provide updated policy reflecting correct beneficiary. |  | Client confirmed XXXXXXXXXX as the Mortgagee clause is their servicer. | 2/16/2022: Finding Resolved | 2/16/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114389 | Valuation | ValuationWaterfall | Resolved | Resolved | L1KRLSYIX3G-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | AVM value of $XXXXXX does not support appraised value of $XXXXXX (variance is 37.98%). Please provide updated value. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114389 | Valuation | ValuationWaterfall | Resolved | Resolved | L1KRLSYIX3G-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) |  |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114391 | Valuation | ValuationWaterfall | Resolved | Resolved | 4YLT40OKMOZ-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | AVM value of $XXXXXX does not support appraised value of $XXXXXX (variance is 54.76%). Please provide updated value. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114391 | Valuation | ValuationWaterfall | Resolved | Resolved | 4YLT40OKMOZ-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) | Missing Third Party Valuation to support the appraisal within 10% variance. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114392 | Valuation | ValuationWaterfall | Resolved | Resolved | POIER5S0GCG-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114392 | Valuation | ValuationWaterfall | Resolved | Resolved | POIER5S0GCG-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) |  |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114016 | Valuation | ValuationWaterfall | Resolved | Resolved | XVV1JAQZ4WI-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | AVM value of $XXXXXX does not support appraised value of $XXXXXX (variance is 20%). Please provide updated value. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114016 | Valuation | ValuationWaterfall | Resolved | Resolved | XVV1JAQZ4WI-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) |  |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114017 | Credit | Insurance | Resolved | Resolved | 0BSTNATAQRD-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXXX XXXXXXXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA). |  | Client confirmed XXXXXXXXXX as the Mortgagee clause is their servicer | 2.25.2022 finding resolved | 2.25.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114017 | Credit | Guidelines | Active | 2: Acceptable with Warnings | 0BSTNATAQRD-JLS636HP | Income documentation does not meet guidelines | \* Income documentation does not meet guidelines (Lvl 2) | Missing complete copy of lease agreements. Copy of page 1 of rental agreement for XXXX XXXXXXX XXXX provided, missing all pages required per guidelines for refinances that are tenant occupied. | XX% LTV is below the maximum 75% LTV by XX%.<br> Borrower has owned subject investment property 9 years. | 02/23/2022: Finding Waived. The lender provided the single page "Remarks" page as noted in the original Finding. There were sufficient verified compensating factors to offset the documentation deficiency. | 02/23/2022: Finding Waiver Applied; Final Grade EV B | 02/23/2022: Finding Waiver Applied; Final Grade EV B | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114017 | Valuation | ValuationWaterfall | Resolved | Resolved | 0BSTNATAQRD-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX. |  | 3/22/2022: Received Post Close AVM to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114393 | Credit | Doc Issue | Resolved | Resolved | IMVEGP4LK0H-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title policy reflects an insured amount of $XXXXXX, which is less than the loan amount of $XXXXXX. Updated title needed to verify sufficient title coverage |  | We do not require an updated prelim title for a loan amount change. We obtain this with the final title policy, that comes later as a trailing document. What we do is send closing instructions to the closing agent/ title company that have them provide the final title policy when completed for our loan amount. They sign this document advising that it will be provided. We do not have the final title policy back yet on this loan but as soon as we do, we send it as a trailing document to an investor and this does not come up with any other due diligence firm. Please clear. Thanks | 3.4.2022 finding resolved | 3.4.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114393 | Valuation | ValuationWaterfall | Resolved | Resolved | IMVEGP4LK0H-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | AVM value of $XXXXXX does not support appraised value of $XXXXXX resulting in a variance of -31.739%). |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114393 | Valuation | ValuationWaterfall | Resolved | Resolved | IMVEGP4LK0H-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) |  |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114394 | Credit | Credit | Resolved | Resolved | IC542XGTPGM-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The purchase contract dated XX/XX/XXXX(p 94) states the purchase price is $XXXXX. The addendum/amendment to contract dated XX/XX/XXXX (p 70) states the purchase price will remain $XXXXX. The file is missing an addendum to the purchase contract disclosing the purchase price to be $XXXXX |  | The lender provided the purchase contract addendum reflecting the purchase price to be $70000.00. | 3.1.2022 Finding resolved. | 3.1.2022 Finding resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114394 | Valuation | ValuationWaterfall | Resolved | Resolved | IC542XGTPGM-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The appraisal in the file (p 100) discloses a value of $XXXXX. The AVM (p 128) discloses an estimated value of $XXXXX with a confidence score of 0.3. This is a variance of $XXXXX or 46.591%. Guidelines (p 6) states a desktop or field review is required if the AVM has a greater than 10% variance. File is missing a desktop or field review to support value. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114394 | Valuation | ValuationWaterfall | Resolved | Resolved | IC542XGTPGM-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) |  |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114395 | Valuation | ValuationWaterfall | Resolved | Resolved | 4X1UK3NHSXW-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114396 | Credit | Doc Issue | Resolved | Resolved | 24IU3ZDHGSW-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The Title Commitment (page 370) mortgagee insurance amount was $XXXXX. The Note and Mortgage amount was $XXXXX. The Title Commitment did not provide sufficient coverage for the loan amount. |  | The lender responded: We do not require an updated prelim title for a loan amount change. We obtain this with the final title policy, that comes later as a trailing document. What we do is send closing instructions to the closing agent/ title company that have them provide the final title policy when completed for our loan amount. They sign this document advising that it will be provided. We do not have the final title policy back yet on this loan but as soon as we do, we send it as a trailing document to an investor and this does not come up with any other due diligence firm. Please clear. Thanks | 3.4.2022 finding resolved | 3.4.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114028 | Credit | Insurance | Resolved | Resolved | SUA3PB2MPIQ-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX XXXXXXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA). Please provide updated policy reflecting correct beneficiary. |  | Client confirmed XXXXXXXXXX as the Mortgagee clause is their servicer. | 2.25.2022 finding resolved | 2.25.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114397 | Credit | Insurance | Resolved | Resolved | HDHIJFB0TVG-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXXX XXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA). |  | Client confirmed XXXXXXXXXX as the Mortgagee clause is their servicer. | 2.25.2022 finding resolved | 2.25.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114397 | Valuation | ValuationWaterfall | Resolved | Resolved | HDHIJFB0TVG-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | AVM value of $XXXXXX does not support appraised value of $XXXXXX (variance is -21.739%). |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114399 | Credit | Doc Issue | Resolved | Resolved | RSQJC45HTEW-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title policy reflects an insured amount of $XXXXXX, which is less than the loan amount of $XXXXXX. |  | The lender responded: We do not require an updated prelim title for a loan amount change. We obtain this with the final title policy, that comes later as a trailing document. What we do is send closing instructions to the closing agent/ title company that have them provide the final title policy when completed for our loan amount. They sign this document advising that it will be provided. We do not have the final title policy back yet on this loan but as soon as we do, we send it as a trailing document to an investor and this does not come up with any other due diligence firm. Please clear. Thanks | 3.4.2022 finding resolved | 3.4.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114400 | Valuation | ValuationWaterfall | Resolved | Resolved | RZKWHRVJEBP-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114401 | Credit | Doc Issue | Resolved | Resolved | FL4PYWFM1IX-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title policy reflects an insured amount of $XXXXXX, which is less than the loan amount of $XXXXXX |  | The lender responded: We do not require an updated prelim title for a loan amount change. We obtain this with the final title policy, that comes later as a trailing document. What we do is send closing instructions to the closing agent/ title company that have them provide the final title policy when completed for our loan amount. They sign this document advising that it will be provided. We do not have the final title policy back yet on this loan but as soon as we do, we send it as a trailing document to an investor and this does not come up with any other due diligence firm. Please clear. Thanks | 3.4.2022 finding resolved | 3.4.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114402 | Valuation | ValuationWaterfall | Resolved | Resolved | 4IQUUBUHDOI-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of XXXXXX, the AVM reflects a value of $XXXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022 Finding Resolved | 03/22/2022 Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114402 | Valuation | ValuationWaterfall | Resolved | Resolved | 4IQUUBUHDOI-7AQ27IAZ | Orig.value not supported by Post-Close Desk Review | \* Post-closing Desk Review does not support value at origination (Lvl R) |  |  | 03-24-2022 Post Fund valuation supports origination value. | 03-24-2022 Resolved | 03-24-2022 Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114402 | Credit | Doc Issue | Resolved | Resolved | 4IQUUBUHDOI-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title policy reflects an insured amount of $XXXXX, which is less than the loan amount of $XXXXXX |  | The lender responded: We do not require an updated prelim title for a loan amount change. We obtain this with the final title policy, that comes later as a trailing document. What we do is send closing instructions to the closing agent/ title company that have them provide the final title policy when completed for our loan amount. They sign this document advising that it will be provided. We do not have the final title policy back yet on this loan but as soon as we do, we send it as a trailing document to an investor and this does not come up with any other due diligence firm. Please clear. Thanks | 3.4.2022 finding resolved | 3.4.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114402 | Valuation | ValuationWaterfall | Resolved | Resolved | 4IQUUBUHDOI-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | The guidelines 3.6 valuation allow a hybrid appraisal where the property inspection and measurements are performed separately from the analysis of supporting data by a licensed appraiser, iValueNet55 with rent addendum. The file included the IValueNet55 review. No issue |  | Received Desk Review | Findings Resolved | Findings Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114402 | Valuation | ValuationWaterfall | Resolved | Resolved | 4IQUUBUHDOI-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) | Appraisal dated XX/XX/XXXX provided in original file has a value of $XXXXXX. Post origination valuation dated XX/XX/XXXX discloses a value of $XXXXXX. There is a 75.676% variance. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022 Finding Resolved | 03/22/2022 Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114403 | Valuation | ValuationWaterfall | Resolved | Resolved | 2YT2Z4DJDVI-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX. | XX% LTV si below the maximum 70% LTV by XX%.<br> DSCR ration of 2.04 exceeds the minimum requirement of 1.00 by 1.05 points. | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114403 | Valuation | ValuationWaterfall | Resolved | Resolved | 2YT2Z4DJDVI-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | The guidelines, section 3.6 requires a traditional appraisal completed by a licensed appraiser for a Single family residences - XXXX Form 1004 & 1007 and XXXX Collateral Underwriter (CU) scores are supported for Form 1004 only (SFR & PUD). The file is missing evidence of the CU score. | XX% LTV si below the maximum 70% LTV by XX%.<br> DSCR ration of 2.04 exceeds the minimum requirement of 1.00 by 1.05 points. | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114404 | Valuation | ValuationWaterfall | Resolved | Resolved | PFZHJTXMAW0-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXX, the AVM reflects a value of $XXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXX. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114018 | Credit | Insurance | Resolved | Resolved | 14NW3AAMJV5-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Homeowner's insurance policy reflects XXXXXXXXXXX XXXXXXXX XXXXXXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA). |  | Client confirmed XXXXXXXXXX as the Mortgagee clause is their servicer. | 2.25.2022 finding resolved | 2.25.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114019 | Credit | Insurance | Resolved | Resolved | HIZZKHPRB4I-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Homeowner's insurance policy reflects XXXXXXXXX XXXXXXXX XXXXXXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA). |  | Client confirmed XXXXXXXXXX as the Mortgagee clause is their servicer. | 2/16/2022: Finding Resolved | 2/16/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114019 | Valuation | ValuationWaterfall | Resolved | Resolved | HIZZKHPRB4I-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | AVM value of $XXXXXX does not support appraised value of $XXXXXX (variance is 20%). |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114405 | Credit | Doc Issue | Resolved | Resolved | P34FVIEVR4R-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title policy reflects an insured amount of $XXXXXX, which is less than the loan amount of $XXXXXX. |  | The lender responded: We do not require an updated prelim title for a loan amount change. We obtain this with the final title policy, that comes later as a trailing document. What we do is send closing instructions to the closing agent/ title company that have them provide the final title policy when completed for our loan amount. They sign this document advising that it will be provided. We do not have the final title policy back yet on this loan but as soon as we do, we send it as a trailing document to an investor and this does not come up with any other due diligence firm. Please clear. Thanks | 3.4.2022 finding resolved | 3.4.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114409 | Credit | Doc Issue | Resolved | Resolved | 5ZQXJP4O55N-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title policy reflects an insured amount of $XXXXX which is less than the loan amount of $XXXXX |  | The lender responded: We do not require an updated prelim title for a loan amount change. We obtain this with the final title policy, that comes later as a trailing document. What we do is send closing instructions to the closing agent/ title company that have them provide the final title policy when completed for our loan amount. They sign this document advising that it will be provided. We do not have the final title policy back yet on this loan but as soon as we do, we send it as a trailing document to an investor and this does not come up with any other due diligence firm. Please clear. Thanks | 3.4.2022 finding resolved | 3.4.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114410 | Valuation | ValuationWaterfall | Resolved | Resolved | EVB51PI2DPV-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114411 | Valuation | ValuationWaterfall | Resolved | Resolved | AIYI2RE5EEA-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114412 | Valuation | ValuationWaterfall | Resolved | Resolved | YM1BLKJLQXE-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX | 775 Representative credit score exceeds the minimum required credit score of 640 by 135 Points.<br> DSCR ratio of 1.82 exceeds the minimum requirement of 1.0 by 0.82 points. | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114413 | Valuation | ValuationWaterfall | Resolved | Resolved | 0PKIDS4MY4Q-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114413 | Credit | Doc Issue | Resolved | Resolved | 0PKIDS4MY4Q-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title policy reflects an insured amount of $XXXXXX, which is less than the loan amount of $XXXXXX. |  | The client responded: We do not require an updated prelim title for a loan amount change. We obtain this with the final title policy, that comes later as a trailing document. What we do is send closing instructions to the closing agent/ title company that have them provide the final title policy when completed for our loan amount. They sign this document advising that it will be provided. We do not have the final title policy back yet on this loan but as soon as we do, we send it as a trailing document to an investor and this does not come up with any other due diligence firm. Please clear. Thank | 3.4.2022 finding resolved | 3.4.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114413 | Valuation | ValuationWaterfall | Resolved | Resolved | 0PKIDS4MY4Q-7AQ27IAZ | Orig.value not supported by Post-Close Desk Review | \* Post-closing Desk Review does not support value at origination (Lvl R) |  |  | 3/24/22 Post fund valuation supports origination value | 3/24/22 Finding resolved | 3/24/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114413 | Valuation | ValuationWaterfall | Resolved | Resolved | 0PKIDS4MY4Q-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | The guidelines 3.6 valuation allow a hybrid appraisal where the property inspection and measurements are performed separately from the analysis of supporting data by a licensed appraiser, iValueNet55 with rent addendum. The file included the IValueNet55 review. No issue |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114413 | Valuation | ValuationWaterfall | Resolved | Resolved | 0PKIDS4MY4Q-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) | Post closing AVM dated XX/XX/XXXX provides a value $XXXXXX Appraisal dated XX/XX/XXXX (at origination) has a value of $XXXXXX. There is a 36.50% variance. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114414 | Credit | Insurance | Resolved | Resolved | JD42Q0AZYZK-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Homeowner's insurance policy reflects XXXXXXXXXXX XXXXXXXX XXXXXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA). |  | Client confirmed XXXXXXXXXX as the Mortgagee clause is their servicer. | 2.25.2022 finding resolved | 2.25.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114020 | Credit | Eligibility | Resolved | Resolved | 2LIPMDMW3MA-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl R) | Per the guidelines, section 1.6, the max CLTV for a cash-out refinance with a DSCR score >1 is 75%. The guideline 3.6 require that the AVM be used unless there is a desktop or field review in file. The file does not contain additional valuations therefore we used the AVM valued at $XXXXXX which brings us to a 107% CLTV. |  | Post origination valuation $XXXXXX supports primary appraised value. | 3.17.2022 finding resolved | 3.17.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114020 | Credit | Eligibility | Resolved | Resolved | 2LIPMDMW3MA-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl R) | Per the guidelines, section 1.6, the max LTV for a cash-out refinance with a DSCR score >1 is 75%. The guideline 3.6 require that the AVM be used unless there is a desktop or field review in file. The file does not contain additional valuations therefore we used the AVM valued at $XXXXXX which brings us to a 107% LTV. |  | Post origination valuation $XXXXXX supports primary appraised value. | 3.17.2022: Finding resolved | 3.17.2022: Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114020 | Credit | Credit | Resolved | Resolved | 2LIPMDMW3MA-VADECRA3 | Borrower(s) LTV Requirement (Fail) | \* Borrower(s) LTV Requirement (Fail) (Lvl R) | Per the guidelines, section 1.6, the max LTV for a cash-out refinance with a DSCR score >1 is 75%. The guideline 3.6 require that the AVM be used unless there is a desktop or field review in file. The file does not contain additional valuations therefore we used the AVM valued at $XXXXXX which brings us to a 107% LTV. |  | Post origination valuation $XXXXXX supports primary appraised value. | 3.17.2022 Finding resolved | 3.17.2022 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114020 | Valuation | ValuationWaterfall | Resolved | Resolved | 2LIPMDMW3MA-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX. |  | Post origination valuation $XXXXXX supports primary appraised value. 3/22/2022: Received Post Close AVM to support appraisal value within 10% | 3.17.2022 finding resolved 03/22/2022: Finding Resolved | 3.17.2022 finding resolved 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114026 | Valuation | Doc Issue | Resolved | Resolved | NBWTQD3F0B4-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl R) | The Appraisal is missing from the loan file. |  | 02/23/2022: Finding Resolved. The Lender provided the ValueNet iVN55 Appraisal. | 4.18.2022: Finding resolved. | 4.18.2022: Finding resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114026 | Valuation | Doc Issue | Resolved | Resolved | NBWTQD3F0B4-4M12HOPC | Appraisal not dated | \* Appraisal not dated (Lvl R) | The Appraisal is missing from the loan file. |  | 02/23/2022: Finding Resolved. The Lender provided the dated ValueNet iVN55 Appraisal. | 02/23/2022: Finding Resolved. | 02/23/2022: Finding Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114026 | Credit | Guidelines | Resolved | Resolved | NBWTQD3F0B4-6AYWZTAE | Loan does not conform to program guidelines | \* Loan does not conform to program guidelines (Lvl R) | Per guidelines for refinance, if property is occupied, copy of lease agreement is required. Per pictures in loan file, property is occupied. Lease agreement is missing from the loan file. |  | The lender sent a rebuttal stating property is vacant. Confirmed with appraisal. | 3.4.2022 Finding resolved. | 3.4.2022 Finding resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114026 | Valuation | ValuationWaterfall | Resolved | Resolved | NBWTQD3F0B4-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | AVM value of $XXXXXX does not support calculated of $XXXXXX(variance is -41.420%). |  | The lender rebuttal states "uploaded on 2/18/2021". 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114026 | Credit | Credit | Resolved | Resolved | NBWTQD3F0B4-DSRS151W | DSCR Is Not Eligible | \* DSCR Is Not Eligible (Lvl R) |  |  | 02/23/2022: Finding Resolved. The Lender provided the ValueNet iVN55 with Rental Addendum. | 4.18.2022: Finding resolved. | 4.18.2022: Finding resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114026 | Valuation | ValuationWaterfall | Resolved | Resolved | NBWTQD3F0B4-7AQ27IAZ | Orig.value not supported by Post-Close Desk Review | \* Post-closing Desk Review does not support value at origination (Lvl R) |  |  | 3/24/22 Post fund valuation support origination value | 3/24/22 Finding resolved | 3/24/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114026 | Valuation | ValuationWaterfall | Resolved | Resolved | NBWTQD3F0B4-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) |  | XX% LTV is below the maximum 75% LTV by XX%.<br> 763 Representative credit score exceeds the minimum required credit score of 700 by 63 Points.<br>| 02/23/2022: Finding Remains. The Lender provided the dated ValueNet iVN55 with Rental Addendum. Value not 10% variance of AVMs. 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 02/23/2022: Finding Remains. 3.4.2022 Post origination AVM dated XX/XX/XXXX discloses a value of $XXXXXX which is a variance of 15.541% and does not support the appraised value. Exception remains<br> 03/22/2022: Finding Resolved | 02/23/2022: Finding Remains. 3.4.2022 Post origination AVM dated XX/XX/XXXX discloses a value of $XXXXXX which is a variance of 15.541% and does not support the appraised value. Exception remains<br> 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114416 | Valuation | ValuationWaterfall | Resolved | Resolved | PEUHUZ3XVI1-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXX, the AVM reflects a value of $XXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXX. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114417 | Credit | Insurance | Resolved | Resolved | 433CPHCJXJF-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Homeowner's insurance policy reflects XXXXXXXXXX XXXXXXXX XXXXXXXXX ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect Lending Home and its successors and assigns (ISAOA). Updated policy reflecting correct beneficiary required. . |  | Client confirmed XXXXXXXXXX as the Mortgagee clause is their servicer. | 2.25.2022 finding resolved | 2.25.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114418 | Valuation | ValuationWaterfall | Resolved | Resolved | D20QXBW2YS2-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX. | 744 Representative credit score exceeds the minimum required credit score of 640 by 104 Points.<br> DSCR ratio of 1.36 exceeds the minimum requirement of 1.0 by 0.36 points. | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114419 | Valuation | ValuationWaterfall | Resolved | Resolved | B1EG5MT4GYJ-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114420 | Credit | Insurance | Resolved | Resolved | RKCA43I0HFN-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Homeowner's insurance policy reflects XXXXX XXXXX XXXXXXXX XXXXXXXXX ISAOA ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect Lending Home and its successors and assigns (ISAOA). Please provide updated policy reflecting correct beneficiary. |  | Client confirmed XXXXXXXXXX as the Mortgagee clause is their servicer. | 2/16/2022: Finding Resolved | 2/16/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114420 | Valuation | ValuationWaterfall | Resolved | Resolved | RKCA43I0HFN-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114421 | Credit | Insurance | Resolved | Resolved | 1VNFR4WGJYZ-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Homeowner's insurance policy reflects XXXXXXXXXX Mortgage Servicing ISAOA ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA). |  | Client confirmed XXXXXXXXXX as the Mortgagee clause is their servicer. | 2/16/2022: Finding Resolved | 2/16/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114422 | Valuation | ValuationWaterfall | Resolved | Resolved | 4TRUVTKHLDN-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | Value not supported. AVM in file with -18.462% Variance is not within the -10% variance permitted per guidelines. | 768 representative credit score exceeds the minimum 700 credit score by 68 points.<br> 0x30 mortgage history documented for 24 months.<br> 1.24 DSCR exceeds 1.00 guideline requirement by .24. | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114027 | Credit | Insurance | Resolved | Resolved | 3PABCPTKY4S-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Homeowner's insurance policy reflects XXXXXXXXXX Mortgage Servicing ISAOA ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA). |  | Client confirmed XXXXXXXXXX as the Mortgagee clause is their servicer. | 2.25.2022 finding resolved | 2.25.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114027 | Credit | Credit | Resolved | Resolved | 3PABCPTKY4S-96FGM0XY | Borrower(s) Rental Loss Insurance Req (Fail) | \* Borrower(s) Rental Loss Insurance Requirement (Fail) (Lvl R) | The guidelines, requires rent loss coverage in the amount of 6 months or $XXXXX, using the market rent of $XXXX. The file included evidence of homeowners located on page 38 reflecting rent loss of $.00. The rent loss coverage is short by $XXXXXX. |  | The lender provided HOI with rental loss coverage. | 4.18.2022: Finding resolved. | 4.18.2022: Finding resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114027 | Valuation | ValuationWaterfall | Resolved | Resolved | 3PABCPTKY4S-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | AVM value of $XXXXXX does not support appraised value of $XXXXXX (variance is -27.660%). Please provide updated value. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114424 | Valuation | ValuationWaterfall | Resolved | Resolved | IM2NLE3CIIB-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXX0. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114425 | Valuation | ValuationWaterfall | Resolved | Resolved | YPE32U2J4YX-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXXX0. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX. |  | 3/22/2022: Received Post Close AVM to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114426 | Valuation | ValuationWaterfall | Resolved | Resolved | KOVDXYYO2N3-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXX, the AVM reflects a value of $XXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXX. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114429 | Credit | Eligibility | Resolved | Resolved | 5UZ5OL540OZ-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl R) | Per the guidelines, section 1.6, the max CLTV for a cash-out refinance with a DSCR score >1 is 75%. The guideline 3.6 require that the AVM be used unless there is a desktop or field review in file. The file does not contain additional valuations therefore we used the AVM valued at $XXXXXX which brings us to a 84% CLTV. Can be resolved with an updated valuation. |  | The client rebutted: Loan Amount $XXXXXX / AIV $XXXXXX = AIV LTV XX.XX | 3.17.2022 Finding resolved. | 3.17.2022 Finding resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114429 | Credit | Doc Issue | Resolved | Resolved | 5UZ5OL540OZ-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title policy reflects an insured amount of $XXXXXX0, which is less than the loan amount of $XXXXXX. |  | The lender responded: We do not require an updated prelim title for a loan amount change. We obtain this with the final title policy, that comes later as a trailing document. What we do is send closing instructions to the closing agent/ title company that have them provide the final title policy when completed for our loan amount. They sign this document advising that it will be provided. We do not have the final title policy back yet on this loan but as soon as we do, we send it as a trailing document to an investor and this does not come up with any other due diligence firm. Please clear. Thanks | 3.4.2022 finding resolved | 3.4.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114429 | Credit | Eligibility | Resolved | Resolved | 5UZ5OL540OZ-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl R) | Per the guidelines, section 1.6, the max LTV for a cash-out refinance with a DSCR score >1 is 75%. The guideline 3.6 require that the AVM be used unless there is a desktop or field review in file. The file does not contain additional valuations therefore we used the AVM valued at $230,000 which brings us to a 84% LTV. Can be resolved with an updated valuation. |  | The client rebutted: Loan Amount $XXXXXX / AIV $277,000 = AIV LTV XX.XX | 3.17.2022 Finding resolved. | 3.17.2022 Finding resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114429 | Credit | Credit | Resolved | Resolved | 5UZ5OL540OZ-VADECRA3 | Borrower(s) LTV Requirement (Fail) | \* Borrower(s) LTV Requirement (Fail) (Lvl R) | Per the guidelines, section 1.6, the max LTV for a cash-out refinance with a DSCR score >1 is 75%. The guideline 3.6 require that the AVM be used unless there is a desktop or field review in file. The file does not contain additional valuations therefore we used the AVM valued at $XXXXXX which brings us to a 84% LTV. Can be resolved with an updated valuation. |  | The client rebutted: Loan Amount $XXXXXX / AIV $XXXXXX0 = AIV LTV XX.XX | 3.17.2022 finding resolved | 3.17.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114429 | Valuation | ValuationWaterfall | Resolved | Resolved | 5UZ5OL540OZ-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114430 | Valuation | ValuationWaterfall | Resolved | Resolved | VSTOGSRHJTI-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXXX, the AVM reflects a value of $XXXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114432 | Valuation | ValuationWaterfall | Resolved | Resolved | NMNH2H0BSEX-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX. | DSCR ratio of 1.68 exceeds the minimum requirement of 1.10 by 0.58 points.<br>801 Representative credit score exceeds the minimum required credit score of 700 by 101 Points.<br>| Received Desk Review | Findings Resolved | Findings Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114433 | Valuation | ValuationWaterfall | Resolved | Resolved | M52GUS2DEH2-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX0. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114433 | Credit | Insurance | Resolved | Resolved | M52GUS2DEH2-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Homeowner's insurance policy reflects XXXXXXXXXX Mortgage Servicing ISAOA ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect LendingHome and its successors and assigns (ISAOA). |  | Client confirmed XXXXXXXXXX as the Mortgagee clause is their servicer. | 2/16/2022: Finding Resolved | 2/16/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114433 | Credit | Doc Issue | Resolved | Resolved | M52GUS2DEH2-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title policy reflects an insured amount of $XXXXXX, which is less than the loan amount of $XXXXXX. |  | The lender responded: We do not require an updated prelim title for a loan amount change. We obtain this with the final title policy, that comes later as a trailing document. What we do is send closing instructions to the closing agent/ title company that have them provide the final title policy when completed for our loan amount. They sign this document advising that it will be provided. We do not have the final title policy back yet on this loan but as soon as we do, we send it as a trailing document to an investor and this does not come up with any other due diligence firm. Please clear. Thanks | 3.4.2022 finding resolved | 3.4.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114433 | Valuation | ValuationWaterfall | Resolved | Resolved | M52GUS2DEH2-7AQ27IAZ | Orig.value not supported by Post-Close Desk Review | \* Post-closing Desk Review does not support value at origination (Lvl R) |  |  | 03-24-2022 Post Fund valuation supports origination value. | 03-24-2022 Resolved | 03-24-2022 Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114433 | Valuation | ValuationWaterfall | Resolved | Resolved | M52GUS2DEH2-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) | The post origination AVM dated XX/XX/XXXX discloses a value of $XXXXXX. Appraised value per the appraisal provided in original file has a value of $XXXXXX. There is a 44.159% variance. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114434 | Valuation | ValuationWaterfall | Resolved | Resolved | XAOWBFM104N-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX. | XX% LTV is below the maximum 80% LTV by X%.<br> 802 representative credit score exceeds the minimum required credit score of 700 by 102 points.<br> DSCR ratio of 1.13 exceeds the minimum requirement of 1.1 by .03.<br>| 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114434 | Valuation | ValuationWaterfall | Resolved | Resolved | XAOWBFM104N-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX. | XX% LTV is below the maximum 80% LTV by X%.<br> 802 representative credit score exceeds the minimum required credit score of 700 by 102 points.<br> DSCR ratio of 1.13 exceeds the minimum requirement of 1.1 by .03.<br>| 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114438 | Credit | Eligibility | Resolved | Resolved | ZJJEKOPGBNM-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl R) | LTV of XX.XX% exceeds maximum of 75% permitted per guidelines. Per guidelines, if AVM is >= -10% variance, the lower value of the AVM is to be used in calculations. L ender used higher appraised value for calculations. Missing documentation supporting higher appraised value. |  |  | 4.18.2022: Finding resolved. | 4.18.2022: Finding resolved. | Validated | Valuation data provided |
| XXXXXX | XXXXXX | XXXXXX | 54920251114438 | Valuation | ValuationWaterfall | Resolved | Resolved | ZJJEKOPGBNM-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXXX. The file does not contain additional documentation to support the value of $XXXXXX. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114438 | Valuation | ValuationWaterfall | Resolved | Resolved | ZJJEKOPGBNM-7AQ27IAZ | Orig.value not supported by Post-Close Desk Review | \* Post-closing Desk Review does not support value at origination (Lvl R) |  |  | 03-24-2022 Post Fund valuation supports origination value. | 03-24-2022 Resolved | 03-24-2022 Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114438 | Credit | Insurance | Resolved | Resolved | ZJJEKOPGBNM-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Homeowner's insurance policy reflects XXXXX XXXXX XXXXXXXX XXXXXXXXX ISAOA ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect Lending Home and its successors and assigns (ISAOA). Please provide updated policy reflecting correct beneficiary. |  |  | 4.18.2022: Finding resolved. | 4.18.2022: Finding resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114438 | Credit | Credit | Resolved | Resolved | ZJJEKOPGBNM-VADECRA3 | Borrower(s) LTV Requirement (Fail) | \* Borrower(s) LTV Requirement (Fail) (Lvl R) | LTV of XX.XX% exceeds maximum of 75% permitted per guidelines. Per guidelines, if AVM is >= -10% variance, the lower value of the AVM is to be used in calculations. L ender used higher appraised value for calculations. Missing documentation supporting higher appraised value. |  |  | 4.18.2022: Finding resolved. | 4.18.2022: Finding resolved. | Validated | Valuation data provided |
| XXXXXX | XXXXXX | XXXXXX | 54920251114438 | Valuation | ValuationWaterfall | Resolved | Resolved | ZJJEKOPGBNM-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl R) |  |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114440 | Credit | Insurance | Resolved | Resolved | 45U3CD5GGTF-7V8G8MVK | HOI | \* Hazard Insurance (Lvl R) | Homeowner's insurance policy reflects XXXXX XXXXX XXXXXXXX XXXXXXXXX ISAOA ATIMA as beneficiary. Per guideline, section 4.3, beneficiary should reflect Lending Home and its successors and assigns (ISAOA). Please provide updated policy reflecting correct beneficiary. |  | Client confirmed XXXXXXXXXX as the Mortgagee clause is their servicer. | 2.25.2022 finding resolved | 2.25.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114441 | Credit | Credit | Active | 2: Acceptable with Warnings | YMKVSI24XRG-DSRS151W | DSCR Is Not Eligible | \* DSCR Is Not Eligible (Lvl 2) | DSCR 1.001% does not meet the minimum program requirement of 1.10%. Using Market Rent $XXXXXX & PITIA $1,318.33. Note: 12 mth Lease in file for $XXXXXX per month with 5 months remaining. | The borrower is receiving $31,843.35 cash in hand<br>The borrowers score for grading of 727 is 27 points about required minimum of 700 |  |  |  | Unvalidated | The report does not include explanatory notes detailing how the exception was resolved. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114444 | Valuation | ValuationWaterfall | Resolved | Resolved | PDLS1S1V5HC-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX | 775 Representative credit score exceeds the minimum required credit score of 640 by 135 Points.<br> DSCR ratio of 1.23 exceeds the minimum requirement of 1.0 by 0.23 points. | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114023 | Valuation | ValuationWaterfall | Resolved | Resolved | PY55KC4KTYJ-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114447 | Valuation | ValuationWaterfall | Resolved | Resolved | 3KAYBP5ENCP-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX | 751 representative credit score exceeds the minimum required credit score of 700 by 51 points.<br> DSCR ratio of 1.60 exceeds the minimum requirement of 1.1 by.50 points. | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114448 | Valuation | ValuationWaterfall | Resolved | Resolved | 1BGFHCHARLC-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114024 | Valuation | ValuationWaterfall | Resolved | Resolved | U5OPWAHNUIJ-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | Appraised value is $XXXXX. AVM provided has a value of $XXXXX. This is a 55% variance. Property eligibility section on page 6 of the guidelines requires a desktop or field review when the FDS score of the AVM is greater than 1.0. The FDS score of the AVM provided is 2.8. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114451 | Valuation | ValuationWaterfall | Resolved | Resolved | KE2GJKUO3TB-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114452 | Valuation | ValuationWaterfall | Resolved | Resolved | CJ5R52MAULU-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114453 | Valuation | ValuationWaterfall | Resolved | Resolved | CHJLZF0AVHH-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | AVM in file has a variance of -27.762%. Missing secondary valuation to support appraised value. |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114454 | Valuation | ValuationWaterfall | Resolved | Resolved | X0BD0NHSSZM-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | The guidelines, section 3.6 indicates when a secondary review is provided, reflecting a value lower than the appraised value greater than 10% variance, the lower valuation is used for the LTV. The appraisal in loan file reflects a value of $XXXXXX, the AVM reflects a value of $XXXXX. The loan closed using the higher value to calculate the LTV. The file does not contain additional documentation to support the value of $XXXXXX |  | 3/22/2022: Received XXXXX XXXXXXX Desk Review to support appraisal value within 10% | 03/22/2022: Finding Resolved | 03/22/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114456 | Compliance | Compliance | Resolved | Resolved | HUUNBKMOX0Y-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl R) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii). Although evidence was provided showing the consumer received the disclosure electronically, the consumer's consent to receive disclosures via email was not provided. Per regulation, creditors using electronic delivery methods, such as email, must also comply with § 1026.38(t)(3)(iii) (consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act). The defect can be cured by providing the E-consent. " |  | 1/25/22 The Lender provided eDisclosure Tracking, showing borrower viewed, esigned and authenticated on the same day as initial CD XX/XX/XXXX | 1/25/22 Exception resolved | 1/25/22 Exception resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114456 | Valuation | ValuationWaterfall | Resolved | Resolved | HUUNBKMOX0Y-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | Missing third party valuation to support the appraisal value within 10% variance. CU risk score 3.3. |  |  | 1/24/22 Finding resolved | 1/24/22 Finding resolved | Unvalidated | The report does not include explanatory notes detailing how the exception was resolved. The 1004 URAR was provided with a CU Summary Report reflecting a CU score of 3.3 and the LCA Summary Report reflecting a CLA Risl of 2.5. No other documents were provided in the loan file so unable to determine which guidelines to review to confirmed they allow the use of the lower risk score. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114461 | Credit | Guidelines | Waived | Waived | JTUJMHMPQN3-6AYWZTAE | Loan does not conform to program guidelines | \* Loan does not conform to program guidelines (Lvl W) | As per guidelines all members of 25% ownership and more need to be on loan application and credit evaluated, husband and 50% owner of LLC signed Mortgage and was not on application with spouse. | High Credit Score<br>Stability-Length of time at residence: long term homeownership<br>DSCR 1.25 or greater | 2/8/22 The Lender provided a Non-QHEM Exception Request Form for the other members of the LLC not having a credit package as required by 10.25.21 guidelines. The borrower has good comp factors 1) FICO 20 points or more above requirement 2) Long Term Homeownership and 3) DSCR 1.25 or greater | 1/30/2022: Finding remains: The lender provided updated guidelines dated 1/20/2022 to satisfy the finding. The subject loan closed XX/XX/XXXX. Section 5.7.3. of the guidelines dated 10/15/2021 require credit qualification will include an evaluation of the credit worthiness of all members.<br>1/24/22 Exception remains<br>2/1/22 Finding remains<br>2/8/22 Finding downgraded to an EVB | 1/30/2022: Finding remains: The lender provided updated guidelines dated 1/20/2022 to satisfy the finding. The subject loan closed XX/XX/XXXX. Section 5.7.3. of the guidelines dated 10/15/2021 require credit qualification will include an evaluation of the credit worthiness of all members.<br>1/24/22 Exception remains<br>2/1/22 Finding remains<br>2/8/22 Finding downgraded to an EVB | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114462 | Credit | Credit | Resolved | Resolved | XSNXW3KMSST-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The guidelines, section 5.7.3, states that the articles of organization are required for an LLC. The articles of organization are missing from the loan file, please provide the completed Articles of Organization for XXX X XXXXXXXXX XXXX XXX |  | 02/02/2022: Lender Provided the LLC Operating Agreement for XXX X XXXXXXXXX XXXX XXX | Finding Resolved: The Lender provided the Operating Agreement for XXX X XXXXXXXXX XXXX XXX filed XX/XX/XXXX. The loan closed XX/XX/XXXX. | Finding Resolved: The Lender provided the Operating Agreement for XXX X XXXXXXXXX XXXX XXX filed XX/XX/XXXX. The loan closed XX/XX/XXXX. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114463 | Credit | Credit | Resolved | Resolved | AA0RBFGPWKW-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The guidelines, section 5.7.3, states that for an LLC a certificate of good standing is required. The certificate of good standing for XXXX XXXX XXX is missing from the loan file. |  | 02/11/2022: Finding Resolved. The lender provided the certificate of good standing. | 02/11/2022: Finding Resolved. | 02/11/2022: Finding Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114464 | Credit | Doc Issue | Resolved | Resolved | TRGLKGSSIEJ-11COLQ63 | Note is missing or unexecuted | \* Note is missing or unexecuted (Lvl R) | The file is missing the fully executed Note. |  |  | 1/14/2022: Cleared, documentation provided. | 1/14/2022: Cleared, documentation provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114464 | Credit | Doc Issue | Resolved | Resolved | TRGLKGSSIEJ-EXSOIS8W | Mortgage missing / unexecuted | \* Mortgage missing / unexecuted (Lvl R) | The file is missing the fully executed Mortgage. No mortgage provided in original file. |  |  | 1/14/2022: Cleared, documentation provided | 1/14/2022: Cleared, documentation provided | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114466 | Credit | Doc Issue | Resolved | Resolved | UXVHUMJYRKI-11COLQ63 | Note is missing or unexecuted | \* Note is missing or unexecuted (Lvl R) | The Note is missing. The defect can be resolved by providing the executed missing document. |  | The lender provided the fully executed Note and Mortgage | 1/30/2022: Resolved | 1/30/2022: Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114466 | Credit | Doc Issue | Resolved | Resolved | UXVHUMJYRKI-EXSOIS8W | Mortgage missing / unexecuted | \* Mortgage missing / unexecuted (Lvl R) | The Security Instrument (Mortgage/Deed of Trust) is missing. The defect can be resolved by providing the executed missing document. |  | The lender provided the fully executed Note and Mortgage | 1/30/2022: Resolved | 1/30/2022: Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114467 | Credit | Credit | Active | 2: Acceptable with Warnings | 4CWY1PRQGT0-0BLBZVJN | Credit | \* Missing Documentation (Lvl 2) | The guidelines, section 14.3.1, states that the borrower has to show a minimum of 1 year of experience managing short term rentals. The borrower provided lease agreements showing their managing experience, but all the lease agreements are for long term rentals. Please provide minimum of 1 year experience in managing short term rentals. | DSCR ratio of 2.243 exceeds the minimum requirement of 1.0 by 220%.<br> 724 Representative credit score exceeds the minimum required credit score of 680 by 44 Points.<br>| 02/11/2022: Lender stated: FICO 20 points or more above requirement. DSCR 1.25 or greater. | 02/04/2022: Finding Waiver Applied; Final Grade EV B | 02/04/2022: Finding Waiver Applied; Final Grade EV B | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114467 | Credit | Doc Issue | Resolved | Resolved | 4CWY1PRQGT0-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title insurance included in the loan file is $XXXXXX and the mortgage amount is $XXXXXX, the amount of title insurance is not sufficient. Please provide updated title. |  | 02/11/2022: Finding Resolved. The lender provided evidence of title. | 02/11/2022: Finding Resolved. | 02/11/2022: Finding Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114468 | Credit | Doc Issue | Resolved | Resolved | PEU0KY11ZN1-11COLQ63 | Note is missing or unexecuted | \* Note is missing or unexecuted (Lvl R) | The loan file is missing the Note. |  | The lender provided the fully executed Note and Mortgage and PUD Rider | 1/30/2022: Resolved | 1/30/2022: Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114468 | Credit | Doc Issue | Resolved | Resolved | PEU0KY11ZN1-EXSOIS8W | Mortgage missing / unexecuted | \* Mortgage missing / unexecuted (Lvl R) | The loan file is missing the Mortgage/Deed of Trust. |  | The lender provided the fully executed Note and Mortgage and PUD Rider | 1/30/2022: Resolved | 1/30/2022: Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114468 | Credit | Doc Issue | Resolved | Resolved | PEU0KY11ZN1-SQBKTREO | Condo / PUD rider Missing | \* Condo / PUD rider Missing (Lvl R) | The subject property is a PUD according to the appraisal and the loan file is missing the PUD Rider to the mortgage. |  | The lender provided the fully executed Note and Mortgage and PUD Rider | 1/30/2022: Resolved | 1/30/2022: Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114471 | Credit | Doc Issue | Resolved | Resolved | BAII3K3311D-E48OQEEZ | HUD-1 Closing Statement missing or unsigned | \* HUD-1 Closing Statement missing or unsigned (Lvl R) | The file is missing the final HUD |  | The lender provided fully executed HUD. | 2/01/2022: Finding Resolved | 2/01/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114475 | Credit | Doc Issue | Resolved | Resolved | KNR3LKL04JY-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The preliminary title report on page 378 of the loan file did not list title insurance coverage for the loan amount of $XXXXXX. |  | 02/07/2022: Finding Resolved. The Seller provided the final Title Policy with insurance amount $XXXXXX. | 02/07/2022: Finding Resolved. | 02/07/2022: Finding Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114477 | Credit | Credit | Active | 2: Acceptable with Warnings | G5JYASM2ICG-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl 2) | Per Guidelines, section 14.3.1, a lease is required when appraisal reflects property is tenant occupied; however, the lease is missing. | XX LTV is below the maximum 70% LTV by X%.<br> DSCR ratio of 1.219 exceeds the minimum requirement of 1.0 by .219 points.<br> Borrower has owned subject investment property 7 years.<br> 0x30 Primary mortgage history for 40 months and Investment Property for 27 months. | 03/01/2022: The Lender provided a LOE from the borrower dated XX/XX/XXXX:<br> The property at XXX XXXXXXXX XX XXXXXXXXX, CA XXXXX is currently undergoing minor renovations why it is currently unrented. I will be finding tenants to occupy this property soon.<br> The Underwriter also provided a Response:<br> Per guidelines 14.3.1: On refinances an LOE is acceptable when property is not currently leased. LOE is reasonable and makes sense. When there is no lease, we defer to the rent survey of $XXXX per mos.<br> DSCR Ratio: rent survey XXXX / XXXX = 1.22<br> Bwr's score is 663<br> Per NONI Matrix dated 10/25/2021 at the time of funding Max LTV for scores 660-679 with DSCR>1 is 75% LTV<br> There is a 5% LTV reduction due to no lease provided. So, max LTV allowed is 70%.<br> The LTV of XX%, score 663 with DSCR >1...so, loan qualifies for this program.<br>Reviewer: The guideline 14.3.1 NONI >1.0 DSCR Qualification states: Lease agreements must be obtained if the appraisal reflects the subject as tenant occupied. The Appraisal does reflect Tenant occupied. | 03/01/2022: Exception Remains | 03/01/2022: Exception Remains | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114477 | Valuation | ValuationWaterfall | Resolved | Resolved | G5JYASM2ICG-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | The file did not contain a UCDP to determine the CU score. Per guidelines, section 4.4, an additional valuation is required; however, there is no additional valuation. |  | 03/07/2022: The Lender provided the FNMA SSR with UCDP Score 1. | 3.07.2022: Resolved | 3.07.2022: Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114478 | Credit | Doc Issue | Resolved | Resolved | 0UBSL42QQ0N-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title commitment's proposed coverage is less than the subject loan amount. The final title policy is not in file currently. |  |  | 3/7/2022: Resolved. Received final title policy with insured amount of $XXXXXX | 3/7/2022: Resolved. Received final title policy with insured amount of $XXXXXX | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114479 | Valuation | Property | Resolved | Resolved | JWRKQHJPUFZ-FSPW8MVQ | Property Issues indicated | \* Property Issues indicated (Lvl R) | The interior photos of the subject property show the borrower is running their business out of the subject property. The borrower is the owner of XXXX XXXXXX which is merchandise sales. Interior photos of the subject property shows the living room and dining room of the subject property are set up like a store, which shelves of merchandise with prices are shows. Also, the garages photos shows multiple shelves with boxes of merchandise and the rear view photo of the subject property shows a lot more boxes and a blue tarp covering something, which could be additional merchandise or property issues, appraiser did not make a comment of what was behind the tarp. Subject property is being used as a business. |  |  | 3/7/2022: Resolved. Received explanation from the seller stating people that own home businesses run their business from their home. This is not a retail store, this is simply the borrower storing and organizing merchandise they sell online which is acceptable for any type of loan. The borrower explains their business and the type of online resale they do in the LOE. Received LOE from borrower explaining the type of business (XXXX XXXXXX). Borrower imports goods from China to resell them online. | 3/7/2022: Resolved. Received explanation from the seller stating people that own home businesses run their business from their home. This is not a retail store, this is simply the borrower storing and organizing merchandise they sell online which is acceptable for any type of loan. The borrower explains their business and the type of online resale they do in the LOE. Received LOE from borrower explaining the type of business (XXXX XXXXXX). Borrower imports goods from China to resell them online. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114480 | Credit | Eligibility | Resolved | Resolved | R2JGAGMGFCD-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl R) | 1008/1003 reflects self-employed income of $XXXXXX/month. Origination income is not supported. Audit income is $XXXXXX/month. This results in a DTI of 77.716% which exceeds guideline maximum of 50%. It appears at origination, the 50% expense ratio was not utilized as required by guidelines. Additionally, there are four of the 12 months with deposits of $0 which does not establish stable earnings. | 23.10 months reserves exceeds the minimum six months required by 17.1 months. |  | 3/3/2022: Remains. Received Income Worksheet showing 15% expense ratio. The loan file does not have a CPA letter confirming the 15% expense ratio. Additionally, there are four of the 12 months with deposits of $0 which does not establish stable earnings.<br> 3/7/2022: Resolved. Received explanation from seller. CPA letter is not required. Received LOX from borrower stating expenses are 12%-15%. Guidelines (pg 4) do not require CPA letter. Revised income $XXXXX. Also received LOX from borrower stating months without deposits were deposited in to her personal bank account. Only using business account for income qualification. | 3/3/2022: Remains. Received Income Worksheet showing 15% expense ratio. The loan file does not have a CPA letter confirming the 15% expense ratio. Additionally, there are four of the 12 months with deposits of $0 which does not establish stable earnings.<br> 3/7/2022: Resolved. Received explanation from seller. CPA letter is not required. Received LOX from borrower stating expenses are 12%-15%. Guidelines (pg 4) do not require CPA letter. Revised income $XXXXX. Also received LOX from borrower stating months without deposits were deposited in to her personal bank account. Only using business account for income qualification. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114480 | Credit | Credit | Resolved | Resolved | R2JGAGMGFCD-5ENZSYCH | DTI/Residual income outside of guidelines (ATR) | \* DTI/Residual income outside of guidelines (ATR) (Lvl R) | 1008/1003 reflects self-employed income of $XXXXXX/month. Origination income is not supported. Audit income is $XXXXXX/month. This results in a DTI of 77.716% which exceeds guideline maximum of 50%. It appears at origination, the 50% expense ratio was not utilized as required by guidelines. Additionally, there are four of the 12 months with deposits of $0 which does not establish stable earnings. | 23.10 months reserves exceeds the minimum six months required by 17.1 months. |  | 3/3/2022: Remains. Received Income Worksheet showing 15% expense ratio. The loan file does not have a CPA letter confirming the 15% expense ratio. Additionally, there are four of the 12 months with deposits of $0 which does not establish stable earnings.<br> 3/7/2022: Resolved. Received explanation from seller. CPA letter is not required. Received LOX from borrower stating expenses are 12%-15%. Guidelines (pg 4) do not require CPA letter. Revised income $XXXXX. Also received LOX from borrower stating months without deposits were deposited in to her personal bank account. Only using business account for income qualification. | 3/3/2022: Remains. Received Income Worksheet showing 15% expense ratio. The loan file does not have a CPA letter confirming the 15% expense ratio. Additionally, there are four of the 12 months with deposits of $0 which does not establish stable earnings.<br> 3/7/2022: Resolved. Received explanation from seller. CPA letter is not required. Received LOX from borrower stating expenses are 12%-15%. Guidelines (pg 4) do not require CPA letter. Revised income $XXXXX. Also received LOX from borrower stating months without deposits were deposited in to her personal bank account. Only using business account for income qualification. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114480 | Credit | Doc Issue | Resolved | Resolved | R2JGAGMGFCD-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The preliminary title does not reflect the policy amount to verify it is sufficient for the loan amount of $XXXXXX |  |  | 3/3/2022: Resolved. Received Title Policy with insured amount of $XXXXXX | 3/3/2022: Resolved. Received Title Policy with insured amount of $XXXXXX | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114480 | Valuation | Property | Active | 2: Acceptable with Warnings | R2JGAGMGFCD-FSPW8MVQ | Property Issues indicated | \* Property Issues indicated (Lvl 2) | Per lender guidelines for non-Warrantable condos, the developer may be in control of the condominium association provided the Master Agreement provides for the homeowners to take control upon either a predetermined percentage of unit sales or within a defined time period. The Condo Questionnaire (p.446) states there is no estimated date the transfer will occur. Additionally, it states the project is not 100% complete and is subject to additional phases with XXXX total units at build out and only XXX units sold and closed. Lender guidelines for Non-Warrantable Condos states the project, or the subject's legal phase along with other phases, must be complete. All common elements in the project or legal phase must be 100% completed. At least 50% must be sold or under a bona-fide contract. | 23.10 months reserves exceeds the minimum six months required by 17.1 months. |  | 3/3/2022: Remains. Received the condo questionnaire that was originally reviewed.<br> 3/7/2022: Received approved exception to allow property at XXXX XXXXXXXXXXXX XXXXX XXX XXXXX, CA. Project falls outside non-warrantable condo guidelines. Additional summary regarding property is attached and made part of this exception request. Received appraisal comments and attachment to exception. 5th Street Capital Underwriting has reviewed the appraisal, appraisal review from Proteck Valuation, and project/property and finds them acceptable for lending purposes. Compensating factors noted. | 3/3/2022: Remains. Received the condo questionnaire that was originally reviewed.<br> 3/7/2022: Received approved exception to allow property at XXXX XXXXXXXXXXXX XXXXX XXX XXXXX, CA. Project falls outside non-warrantable condo guidelines. Additional summary regarding property is attached and made part of this exception request. Received appraisal comments and attachment to exception. 5th Street Capital Underwriting has reviewed the appraisal, appraisal review from Proteck Valuation, and project/property and finds them acceptable for lending purposes. Compensating factors noted. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114480 | Credit | DTI | Resolved | Resolved | R2JGAGMGFCD-M24IS310 | DTI > 60% | \* DTI > 60% (Lvl R) | 1008/1003 reflects self-employed income of $XXXXXX/month. Origination income is not supported. Audit income is $XXXXXX/month. This results in a DTI of 77.716% which exceeds guideline maximum of 50%. It appears at origination, the 50% expense ratio was not utilized as required by guidelines. Additionally, there are four of the 12 months with deposits of $0 which does not establish stable earnings. | 23.10 months reserves exceeds the minimum six months required by 17.1 months. |  | 3/3/2022: Remains. Received Income Worksheet showing 15% expense ratio. The loan file does not have a CPA letter confirming the 15% expense ratio. Additionally, there are four of the 12 months with deposits of $0 which does not establish stable earnings. | 3/3/2022: Remains. Received Income Worksheet showing 15% expense ratio. The loan file does not have a CPA letter confirming the 15% expense ratio. Additionally, there are four of the 12 months with deposits of $0 which does not establish stable earnings. | Validated | Used comments from other finding for same loan. Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114480 | Credit | Eligibility | Active | 2: Acceptable with Warnings | R2JGAGMGFCD-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl 2) | The LTV of XX% exceeds the maximum allowable of 80% for a score between 700-760. It is to be noted, the loan file contains an approved exception allowing for the increased LTV based on reserves and rental housing payment history. | 23.10 months reserves exceeds the minimum six months required by 17.1 months. |  |  |  | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114481 | Credit | Credit | Resolved | Resolved | 3EXPSJIAPI0-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The loan file is missing page 1 of the XXXXX XXXXX statement ending XX/XX/XXXX for account #XXXX which shows the withdrawal of the EMD. |  |  | 3/3/2022: Resolved. Lender provided pg 1 of XX/XX/XXXX XX bank statement | 3/3/2022: Resolved. Lender provided pg 1 of XX/XX/XXXX XX bank statement | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114481 | Credit | Eligibility | Active | 2: Acceptable with Warnings | 3EXPSJIAPI0-GBBTF6MZ | Qual Credit Score does not meet elig. requirements | \* Qualifying Credit Score does not meet eligibility requirement(s) (Lvl 2) | Per the lender matrix, for an LTV of XX% a credit score is 680 is required. The borrower has a credit score of 645 which does not meet the requirements for The LTV of XX%. The loan file contains an approved exception allowing for The LTV of XX% with 645 FICO based on the housing history of 0x30 and low revolving debt and housing market trending up (p.1). It is to be noted, housing history was not verified. | DTI is 1.583% below maximum DTI of 50%.<br> Borrower has $2,220.75 residual income after all expenses.<br>|  | 3/7/2022: Received exception to allow the use of VOR from management company and letter in lieu of guideline, canceled checks, online printout from bill pay of bank statements to verify housing history for 0x30 for 12+ months. The loan file has a letter from current landlord and XX/XXXX bank statement showing rent paid. Prior to XX/XXXX, the borrower resided at XXXXX XXXXXXXXXX XX, VOR from Veranda Property from XX/XX/XXXX-XX/XX/XXXX 14 months reviewed 0x30. | 3/7/2022: Received exception to allow the use of VOR from management company and letter in lieu of guideline, canceled checks, online printout from bill pay of bank statements to verify housing history for 0x30 for 12+ months. The loan file has a letter from current landlord and XX/XXXX bank statement showing rent paid. Prior to XX/XXXX, the borrower resided at XXXXX XXXXXXXXXX XX, VOR from Veranda Property from XX/XX/XXXX-XX/XX/XXXX 14 months reviewed 0x30. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114481 | Credit | Eligibility | Active | 2: Acceptable with Warnings | 3EXPSJIAPI0-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl 2) | Per the lender matrix, for an LTV of XX% a credit score is 680 is required. The borrower has a credit score of 645 which does not meet the requirements for The LTV of XX%. The loan file contains an approved exception allowing for The LTV of XX% with 645 FICO based on the housing history of 0x30 and low revolving debt and housing market trending up (p.1). It is to be noted, housing history was not verified. | DTI is 1.583% below maximum DTI of 50%.<br> Borrower has $2,220.75 residual income after all expenses.<br>|  | 3/3/2022: received exception from lender to allow LTV at 75% with credit score of 645 | 3/3/2022: received exception from lender to allow LTV at 75% with credit score of 645 | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114481 | Credit | Credit Worthiness | Active | 2: Acceptable with Warnings | 3EXPSJIAPI0-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl 2) | The borrower was previously renting for one year documented with a VOR from a Management Company showing no late payments from XX/XX/XXXX-XX/XX/XXXX (p.36). The loan file contains the rental lease from her current rental commencing XX/XX/XXXX for $XXX/month (p.37) from a private party. The loan file contains a letter from the landlord reflecting all payments are timely (p.47) and a letter from the borrower explaining how payments were made (p.48) along with a detailed list from XX/XX/XXXX-XX/XX/XXXX (p.49); however, the loan file is missing the canceled checks, online printout from bill pay or bank statements to verify timely payments in the most recent 12 months as required by Lender SFR Underwriting Guidelines (p.40). | 6 months reserves<br> Number of years on job- 4 years on job<br> Low revolving debt |  | 3/3/2022: received an exception from lender to allow use of VOR from management co. in lieu of canceled checks | 3/3/2022: received an exception from lender to allow use of VOR from management co. in lieu of canceled checks | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114481 | Compliance | Compliance | Resolved | Resolved | 3EXPSJIAPI0-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl R) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD issued on XX/XX/XXXX was not received by the consumer 3-business days prior to consummation and a waiver was not provided. The defect can be cured by providing evidence that shows the consumer received the disclosure 3-business days prior to consummation or a waiver stating why consummation took place prior to the 3-day rule. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. |  | 3/2/22: Received 3-day timing waiver letter | 3/2/22: Received 3-day timing waiver letter signed and dated from borrower.<br>| 3/2/22: Received 3-day timing waiver letter signed and dated from borrower.<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114483 | Credit | Doc Issue | Resolved | Resolved | DXXSCHBJLWC-OPN6CQBU | Application Missing | \* Application Missing (Lvl R) | The final loan application is missing from the loan file. |  |  | 1/21/2022: Cleared, documentation provided | 1/21/2022: Cleared, documentation provided | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114483 | Valuation | ValuationWaterfall | Resolved | Resolved | DXXSCHBJLWC-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | The guidelines section 4.1 requires an ARR, CDA or XXXX CU risk score of 2.5 or better (less). The file is missing evidence of the CU score and did not include an ARR or CDA. |  | Received UCDP with CU score | Findings Resolved | Findings Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114484 | Credit | Doc Issue | Resolved | Resolved | BZXMPXQLBSR-OPN6CQBU | Application Missing | \* Application Missing (Lvl R) | The loan file is missing the loan application. | $60,958.69 reserves exceed the minimum required of $0.00 exceeds the minimum by 72.606 months over the required minimum.<br> DSCR ratio of 1.370 exceeds the minimum requirement of 1.0 by .370 points.<br> 748 Representative credit score exceeds the minimum required credit score of 680 by 68 Points.<br>| 03/03/2022: The Lender provided the executed Loan Application. | 1/30/202: Exception remains. Still missing the final executed loan application dated XX/XX/XXXX<br> 03/03/2022: Finding Resolved. The Lender provided the Final Application executed XX/XX/XXXX | 1/30/202: Exception remains. Still missing the final executed loan application dated XX/XX/XXXX<br> 03/03/2022: Finding Resolved. The Lender provided the Final Application executed XX/XX/XXXX | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114485 | Credit | Guidelines | Active | 2: Acceptable with Warnings | PAAEYPLU1GW-6AYWZTAE | Loan does not conform to program guidelines | \* Loan does not conform to program guidelines (Lvl 2) | Borrower has purchased XX properties in the past month. Per guidelines maximum number of properties financed is 4 without committee approval. | 122.026 Reserves documented; no reserves are required.<br> DSCR exceeds guideline requirement .486 over the required. Actual 1.486%, required 1.0<br> Representative Credit score exceeds the minimum credit score by 25 points (748 actual, 680 required) | Lender provided an approved exception for 25 loans in Mississippi for 1 borrower | 1/27/2022 Finding Waiver Applied; Final Grade EV B | 1/27/2022 Finding Waiver Applied; Final Grade EV B | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114486 | Credit | Credit | Resolved | Resolved | CTHBH5SPSQD-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The note, loan application, 1008, and data tape reflect a loan amount of $XXXXXX. The deed of trust on page 229 reflects a loan amount of $XXXXXX. The loan file is missing a deed of trust reflecting the correct loan amount of $XXXXXX |  | The lender proviced a corrected Mtg disclosing a loan amount of $XXXXXXX signed and notarized. | 3.9.2022 finding resolved | 3.9.2022 finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114486 | Credit | Guidelines | Active | 2: Acceptable with Warnings | CTHBH5SPSQD-6AYWZTAE | Loan does not conform to program guidelines | \* Loan does not conform to program guidelines (Lvl 2) | Borrower has purchased XX properties in the past month. Per guidelines maximum number of properties financed is 4 without committee approval. | 110.95 Reserves documented; no reserves are required.<br> DSCR exceeds guideline requirement .728% over the required. Actual 1.728%, required 1.0<br> Representative Credit score exceeds the minimum credit score by 25 points (748 actual, 680 required)<br>|  | 1/27/2022 Finding Waiver Applied; Final Grade EV B | 1/27/2022 Finding Waiver Applied; Final Grade EV B | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114488 | Credit | Guidelines | Active | 2: Acceptable with Warnings | HY31Y2DXY1Y-6AYWZTAE | Loan does not conform to program guidelines | \* Loan does not conform to program guidelines (Lvl 2) | Borrower has purchased XX properties in the past month. Per guidelines maximum number of properties financed is 4 without committee approval. | 101.246 Reserves documented; no reserves are required.<br> DSCR exceeds guideline requirement .562% over the required. Actual 1.562%, required 1.0<br> Representative Credit score exceeds the minimum credit score by 25 points (748 actual, 680 required)<br>| Lender provided an approved exception for 25 loans in Mississippi for 1 borrower | 1/27/2022 Finding Waiver Applied; Final Grade EV B | 1/27/2022 Finding Waiver Applied; Final Grade EV B | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114490 | Credit | Guidelines | Active | 2: Acceptable with Warnings | G5FOOMZHEOW-6AYWZTAE | Loan does not conform to program guidelines | \* Loan does not conform to program guidelines (Lvl 2) | Borrower has XX properties purchased within the last month with Lender. Per guidelines, max number of properties financed is 4 without committee review. | 101.141 Reserves documented; no reserves are required.<br> DSCR exceeds guideline requirement .312% over the required. Actual 1.312%, required 1.0<br> Representative Credit score exceeds the minimum credit score by 25 points (748 actual, 680 required)<br>| Lender provided an approved exception for 25 loans in Mississippi for 1 borrower | 1/27/2022 Finding Waiver Applied; Final Grade EV B | 1/27/2022 Finding Waiver Applied; Final Grade EV B | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114490 | Valuation | ValuationWaterfall | Resolved | Resolved | G5FOOMZHEOW-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | The loan guidelines on page 12 require a XXXXX XXXXXXXl CDA (or similar) supporting the appraised value within 10% when only one full appraisal is required and the CU score ≥ 2.5 or there is no CU score. The subject property appraised for $XXXXXX on XX/XX/XXXX. The loan file did not contain a UCDP or CDA or similar supporting the appraised value within 10%. |  | Received UCDP with CU score | Findings Resolved | Findings Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114493 | Credit | Credit | Resolved | Resolved | VHOVX1S4YDF-96FGM0XY | Borrower(s) Rental Loss Insurance Req (Fail) | \* Borrower(s) Rental Loss Insurance Requirement (Fail) (Lvl R) | The guidelines, section 3.1 requires rent loss coverage in the amount of 6 months or $XXXX, using the market rent of $XXX. The file included evidence of homeowners located on page 401 and did not reflect rent loss of $XXXX. The rent loss coverage is short by $XXXX. |  | 1/21/22 HOI shows rental loss coverage as Actual Loss Sustained-12 months | 1/21/22 Exception resolved | 1/21/22 Exception resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114493 | Credit | Doc Issue | Resolved | Resolved | VHOVX1S4YDF-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl R) | File did not contain Title documents. |  |  | 1/21/2022: Cleared, documentation provided | 1/21/2022: Cleared, documentation provided | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114493 | Valuation | ValuationWaterfall | Resolved | Resolved | VHOVX1S4YDF-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | The guidelines section 4.1 requires an ARR, CDA or FNMA CU risk score of 2.5 or better (less). The file is missing evidence of the CU score and did not include an ARR or CDA. |  | Received UCDP with CU score | Findings Resolved | Findings Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114494 | Credit | Guidelines | Active | 2: Acceptable with Warnings | 3F5ORH2QBL4-6AYWZTAE | Loan does not conform to program guidelines | \* Loan does not conform to program guidelines (Lvl 2) | Borrower has XX properties purchased within the last month with Lender. Per guidelines, max number of properties financed is 4 without committee review. | 319.733 Reserves documented; no reserves are required.<br> Representative Credit score exceeds the minimum credit score by 25 points (748 actual, 680 required) | Lender provided an approved exception for 25 loans in Mississippi for 1 borrower | 1/27/2022 Finding Waiver Applied; Final Grade EV B | 1/27/2022 Finding Waiver Applied; Final Grade EV B | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114495 | Credit | Guidelines | Active | 2: Acceptable with Warnings | 0U0STJXQEK5-6AYWZTAE | Loan does not conform to program guidelines | \* Loan does not conform to program guidelines (Lvl 2) | Borrower has purchased properties in the past month. Per guidelines maximum number of properties financed is 4 without committee approval. | 82.503 Reserves documented; no reserves are required.<br> DSCR exceeds guideline requirement .361% over the required. Actual 1.361%, required 1.0<br> Representative Credit score exceeds the minimum credit score by 25 points (748 actual, 680 required)<br>| Lender provided an approved exception for 25 loans in Mississippi for 1 borrower | 1/27/2022 Finding Waiver Applied; Final Grade EV B | 1/27/2022 Finding Waiver Applied; Final Grade EV B | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114496 | Credit | Doc Issue | Resolved | Resolved | VRXGQVKO3LW-03ELN9DK | Note data is missing or inaccurate | \* Note data is missing or inaccurate (Lvl R) | The loan file is missing page 3 of the Note. |  | The lender provided the fully executed Note | 2/01/2022: Finding Resolved | 2/01/2022: Finding Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114497 | Credit | Guidelines | Active | 2: Acceptable with Warnings | FKHLEHOKOQP-6AYWZTAE | Loan does not conform to program guidelines | \* Loan does not conform to program guidelines (Lvl 2) | Borrower has purchased XX properties in the past month. Per guidelines maximum number of properties financed is 4 without committee approval. | 182.933 Reserves documented; no reserves are required.<br> DSCR exceeds guideline requirement .335% over the required. Actual 1.335%, required 1.0<br> Representative Credit score exceeds the minimum credit score by 25 points (748 actual, 680 required)<br>| 25 pack - 2of 3 loans that are below $XXXX - loan is ready for ctc pending exception and DD REVIEW | 1/27/2022 Finding Waiver Applied; Final Grade EV B | 1/27/2022 Finding Waiver Applied; Final Grade EV B | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114498 | Credit | Doc Issue | Resolved | Resolved | RMLQKCR31GA-11COLQ63 | Note is missing or unexecuted | \* Note is missing or unexecuted (Lvl R) | The Note is not signed by borrowers. |  | 02/02/2022 Finding Resolved: The lender provided a copy of the executed Note. | 02/02/2022 Finding Resolved: The lender provided a copy of the executed Note. | 02/02/2022 Finding Resolved: The lender provided a copy of the executed Note. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114499 | Valuation | ValuationWaterfall | Resolved | Resolved | 2ICNXWUK2DY-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | The guidelines dated XX/XX/XXXX on page 12 section 4.4 state when only one full appraisal is required and the CU score ≥ 2.5 or there is no CU score: A XXXXX XXXXXXXX CDA (or similar) supporting the appraised value within 10% is required. The loan file is missing a UCDP and a CDA or similar supporting the appraised value within 10%. |  | The lender provided the UCDP with a CU score of 1.3 | Findings Resolved | Findings Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114500 | Credit | Guidelines | Active | 2: Acceptable with Warnings | UEUSHSWPWE1-6AYWZTAE | Loan does not conform to program guidelines | \* Loan does not conform to program guidelines (Lvl 2) | Borrower has purchased XX properties in the past month. Per guidelines maximum number of properties financed is 4 without committee approval. | DSCR exceeds guideline requirement .789% over the required. Actual 1.789%, required 1.0<br> Representative Credit score exceeds the minimum credit score by 25 points (748 actual, 680 required)<br>| Lender provided an approved exception for 25 loans in Mississippi for 1 borrower | 1/27/2022 Finding Waiver Applied; Final Grade EV B | 1/27/2022 Finding Waiver Applied; Final Grade EV B | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114501 | Credit | Guidelines | Active | 2: Acceptable with Warnings | K5VOBYATXLY-6AYWZTAE | Loan does not conform to program guidelines | \* Loan does not conform to program guidelines (Lvl 2) | Borrower has XX properties purchased within the last month with Lender. Per guidelines, max number of properties financed is 4 without committee review. | DSCR exceeds guideline requirement .591% over the required. Actual 1.591%, required 1.0<br> Representative Credit score exceeds the minimum credit score by 25 points (748 actual, 680 required)<br>| Lender provided an approved exception for 25 loans in Mississippi for 1 borrower | 1/27/2022 Finding Waiver Applied; Final Grade EV B | 1/27/2022 Finding Waiver Applied; Final Grade EV B | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114502 | Valuation | ValuationWaterfall | Resolved | Resolved | XXFUMDBSPOW-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | The loan file did not include a desktop or UCDP. |  | Received UCDP with CU score | Findings Resolved | Findings Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114505 | Valuation | ValuationWaterfall | Resolved | Resolved | 5QDZW0CZL3Y-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | The guidelines section 4.1 requires an ARR, CDA or XXXX CU risk score of 2.5 or better (less). The file is missing evidence of the CU score and did not include an ARR or CDA. |  | Received UCDP with CU score | Findings Resolved | Findings Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114506 | Credit | Guidelines | Active | 2: Acceptable with Warnings | D5JEJAKW2IT-6AYWZTAE | Loan does not conform to program guidelines | \* Loan does not conform to program guidelines (Lvl 2) | Borrower has purchased XX properties in the past month. Per guidelines maximum number of properties financed is 4 without committee approval. | 99.874 Reserves documented; no reserves are required.<br> DSCR exceeds guideline requirement .461% over the required. Actual 1.461%, required 1.0<br> Representative Credit score exceeds the minimum credit score by 25 points (748 actual, 680 required)<br>| Lender provided an approved exception for 25 loans in Mississippi for 1 borrower | 1/27/2022 Finding Waiver Applied; Final Grade EV B | 1/27/2022 Finding Waiver Applied; Final Grade EV B | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114508 | Compliance | Compliance | Resolved | Resolved | 4LDIAHPMGOB-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Points. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  | 3/16/22 Received COC | 2/8/22: Condition remains. Received COC for points increase but it is not dated. A cost to cure in the amount of $XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change that is dated. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label).<br>02/18/2022 Remains. The COC received does not have a change date and does not provide the reason for the increase in points. The increase to the following fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Points. A cost to cure in the amount of $XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label).<br>3/16/22: Cleared. Received valid COC with date of change. Condition cleared. | 2/8/22: Condition remains. Received COC for points increase but it is not dated. A cost to cure in the amount of $XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change that is dated. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label).<br>02/18/2022 Remains. The COC received does not have a change date and does not provide the reason for the increase in points. The increase to the following fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Points. A cost to cure in the amount of $XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label).<br>3/16/22: Cleared. Received valid COC with date of change. Condition cleared. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114513 | Valuation | ValuationWaterfall | Resolved | Resolved | 1DOX5BDQ3I1-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | Missing secondary valuation. UCDP report not in loan file, no CU Score reported. |  | Received Desk Review | Findings Resolved | Findings Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114514 | Credit | Assets Insufficient | Resolved | Resolved | DQVJKW4ZXQF-ANWMID6Q | Cash reserves less than required by guidelines | \* Cash reserves less than required by guidelines (Lvl R) | Per Final CD borrower required cash at closing $XXXXXX. Total Assets verified $XXXXXX. Required 3 months reserves to PITI $7,517.40 plus additional 2 months PITI reserves for other property with PITIA $4,110.48. ($11,627.88) $10,877.88 Reserve Shortage. Verified $750.00 | High Credit Score: 762 Representative credit score exceeds the minimum required credit score of 680 by 82 Points.<br> Excellent Credit History: 0x30 mortgage history for 22 months.<br> Length of Time at Employment: Borrower has been employed in same career 18 for years.<br> Low DTI Ratio: DTI is 38.50% below maximum DTI of 50%.<br>|  | 3/17/2022: Resolved. Received XX/XXXX XXX $XXXXXX | 3/17/2022: Resolved. Received XX/XXXX XXX $XXXXXX | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114515 | Compliance | Compliance | Resolved | Resolved | C0NOFEXOPIH-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl R) | A revised disclosure was not provided to the consumer within 3 business days of the rate lock date, XX/XX/XXXX. Per regulation, when there is a rate lock, the creditor must provide a revised disclosure within three business days. |  | 01/13/2022 LE issued XX/XX/XXXX was provided | 01/25/2022 Cleared. The documentation provided is sufficient to resolve the finding.<br>| 01/25/2022 Cleared. The documentation provided is sufficient to resolve the finding.<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114515 | Compliance | Disclosures | Resolved | Resolved | C0NOFEXOPIH-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl R) | This loan failed the revised loan estimate delivery date test (prior to consummation) (12 CFR §1026.19(e)(4)(ii)) The Loan Estimate was not received by the borrower at least four business days prior to the Consummation Date. The LE issued on XX/XX/XXXX was signed and dated XX/XX/XXXX. The defect can be cured by providing evidence that shows the disclosure was received by the consumer 4-business days prior to the consummation date XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. |  | 01/13/2022 Evidence of receipt for LE issued XX/XX/XXXX was provided | 01/25/2022 Cleared. The documentation provided is sufficient to resolve the finding.<br>| 01/25/2022 Cleared. The documentation provided is sufficient to resolve the finding.<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114515 | Compliance | Compliance | Resolved | Resolved | C0NOFEXOPIH-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the revised LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the addition to the following fees on XX/XX/XXXX did not reset the baseline: Mortgage Broker Fee. The violation may be cured if documentation is provided showing the disclosure was delivered timely. |  | 01/13/2022 COC dated XX/XX/XXXX and LE issued XX/XX/XXXX were provided | 01/25/2022 Cleared. The documentation provided is sufficient to resolve the finding.<br>| 01/25/2022 Cleared. The documentation provided is sufficient to resolve the finding.<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114515 | Valuation | ValuationWaterfall | Resolved | Resolved | C0NOFEXOPIH-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | Non-QHEM Underwriting Guidelines dated 816/2021 reflects "Appraisals must have a SSR score of ≤ 2.5. If greater or no SSR, a CDA will be required." The file is missing the CDA. |  | Received UCDP with CU score | Findings Resolved | Findings Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114516 | Valuation | ValuationWaterfall | Resolved | Resolved | HVOHLII4SI3-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | Missing secondary valuation. UCDP reports missing from file, no CU score reported. |  | Received UCDP with CU score | Findings Resolved | Findings Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114518 | Credit | Eligibility | Active | 2: Acceptable with Warnings | O4HAA0F2FZF-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl 2) | Max CLTV per guidelines is 75% - Lender approved a 5% LTV/CLTV exception | Credit Score of 766<br>Reserves required of $17,588.68 / Actual reserves verified $232,186.77 |  |  |  | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114518 | Credit | Eligibility | Active | 2: Acceptable with Warnings | O4HAA0F2FZF-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl 2) | Max CLTV per guidelines is 75% - Lender approved a 5% LTV/CLTV exception | Credit Score of 766<br>Reserves required of $17,588.68 / Actual reserves verified $232,186.77 |  |  |  | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114518 | Compliance | Disclosures | Active | 2: Acceptable with Warnings | O4HAA0F2FZF-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | The CD issued on XX/XX/XXXX (with $XXXXX cash to close) is inaccurate; page 5 is missing. |  |  |  |  | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114519 | Compliance | Compliance | Active | 2: Acceptable with Warnings | LJXKGEH0P1Z-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |  |  | Validated | HPML classification is an informational finding, not a regulatory violation.  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114519 | Credit | Credit | Resolved | Resolved | LJXKGEH0P1Z-HZ5671LK | Missing Doc | \* Missing Doc (Lvl R) | Missing verification of homeowners insurance for property located at XXX-XXX XXXXXX XXX and proof of the property located at XXXX XXXXX XXX owned free and clear with no mortgages | Low DTI Ratio of 11.2% and loan will still likely be well within guidelines even with the documents that are missing being provided<br>Low LTV of XX.XX% |  | 2/21/2022: resolved: lender provided a property detail report for XXXX XXXXX XXX showing free and clear and LOE for HOI. Mortgage statement shows 144-146 XXXXXX XXX is escrowed. | 2/21/2022: resolved: lender provided a property detail report for XXXX XXXXX XXX showing free and clear and LOE for HOI. Mortgage statement shows 144-146 XXXXXX XXX is escrowed. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114519 | Compliance | Compliance | Resolved | Resolved | LJXKGEH0P1Z-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the decrease to lender credits on 11/18/21 did not reset the baseline. The violation may be cured if documentation is provided showing the disclosure was delivered timely. |  | CD dated XX/XX/XXXX | 1/29/2022 Cleared. The CD dated XX/XX/XXXX resolved the missing disclosure. | 1/29/2022 Cleared. The CD dated XX/XX/XXXX resolved the missing disclosure. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114519 | Compliance | Compliance | Resolved | Resolved | LJXKGEH0P1Z-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl R) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. |  | CD dated XX/XX/XXXX | 1/29/2022 Cleared. The CD dated XX/XX/XXXX resolved the missing disclosure. | 1/29/2022 Cleared. The CD dated XX/XX/XXXX resolved the missing disclosure. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114521 | Compliance | Compliance | Active | 2: Acceptable with Warnings | PII3RRUF0SL-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |  |  | Validated | HPML classification is an informational finding, not a regulatory violation.  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114524 | Credit | Credit | Resolved | Resolved | 2OB2SEMVYLJ-96FGM0XY | Borrower(s) Rental Loss Insurance Req (Fail) | \* Borrower(s) Rental Loss Insurance Requirement (Fail) (Lvl R) | The guidelines, section 3.1 requires rent loss coverage in the amount of 6 months or $XXXXXX, using the market rent of $XXXXXX. The file included evidence of homeowners located on page 303 reflecting rent loss of $XXXXXX. The rent loss coverage is short by $XXXXXX. |  | 1/31/22 The Lender changed their guidelines as of 10/25/21 on their way of calculating rent loss coverage, its now 6 months PITI instead of 6 months rent.<br>PITI $2,028.04 x 6 months = $12,168.24<br> HOI shows loss of use = $XXXXXX | 1/31/22 Finding resolved | 1/31/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114526 | Credit | Doc Issue | Resolved | Resolved | 0O5JG42WDRY-OPN6CQBU | Application Missing | \* Application Missing (Lvl R) | The initial and final applications are both missing to be able to verify information needed. |  | The lender provided an application. | 3.16.2022: finding resolved. | 3.16.2022: finding resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114527 | Credit | Credit | Resolved | Resolved | USHTQZ1VPSR-JE421Y2Y | Borrower(s) Hazard Insurance Requirements (Fail) | \* Borrower(s) Hazard Insurance Requirements (Fail) (Lvl R) | The guidelines, section 3.1.2 requires insurance coverage must be equal to 100% of the insurable value of the improvements as established by the insurer or coverage amounts as determined by calculation from a full appraisal. The file included evidence of insurance located on page 271, reflecting total coverage amount of $XXXXXX. The file did not include evidence of the reconstruction cost estimate. The appraisal, located on page 4 reflects the cost new as $XXXXXX. The evidence of insurance is short, required coverage in the amount of $XXXXXX. |  | 2/2/22 the HOI policy shows enough coverage | 2/2/22 Finding resolved | 2/2/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114527 | Credit | Doc Issue | Resolved | Resolved | USHTQZ1VPSR-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl R) | The updated Title is missing from the loan file. |  | 02/03/2022: Finding Resolved. The Seller Provided the Final Short Form Title Policy. | 02/03/2022: Finding Resolved. | 02/03/2022: Finding Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114528 | Compliance | Compliance | Resolved | Resolved | CME0CXAHEA4-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl R) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). The initial CD is missing from the loan file. The earliest CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. |  | CD dated XX/XX/XXXX | 1/29/2022 Cleared. The CD issued XX/XX/XXXX resolved the missing disclosure. | 1/29/2022 Cleared. The CD issued XX/XX/XXXX resolved the missing disclosure. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114530 | Credit | Doc Issue | Resolved | Resolved | HKSMSBMJPRV-E48OQEEZ | HUD-1 Closing Statement missing or unsigned | \* HUD-1 Closing Statement missing or unsigned (Lvl R) | HUD-1 in loan file is not executed or stamped original. |  |  | 1/21/2022: Cleared, documentation provided. | 1/21/2022: Cleared, documentation provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114530 | Credit | Doc Issue | Resolved | Resolved | HKSMSBMJPRV-ZSOV6EYX | Not all borrowers signed HUD | \* Not all borrowers signed HUD (Lvl R) | Final HUD-1 in loan file is not signed by the borrower. |  |  | 1/21/2022: Cleared, documentation provided. | 1/21/2022: Cleared, documentation provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114532 | Compliance | Disclosures | Resolved | Resolved | 5ABIJK0Z01I-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl R) | There is no clear evidence of an initial application date in the file. The earliest 1003 in the file was prepared XX/XX/XXXX; however, the file contains documents dated prior to this date. Auditor is unable to determine the true initial application date and therefore, can't determine if the following were disclosed within 3 business days from the application date (where applicable): Initial LE, Service Provider List, ARM Loan Program Disclosure, CHARM Booklet, Home Loan Toolkit, Homeownership Counseling Disclosure. |  | 02/25/2022 The initial application was received dated XX/XX/XXXX | 02/28/2022 Cleared. The initial application was received dated XX/XX/XXXX; along with the disclosure tracking summary showing the initial application date of XX/XX/XXXX; the Service Provider List and the Homeownership Counseling List and Initial LE was sent XX/XX/XXXX, which is within 3 business days from the application date.<br>| 02/28/2022 Cleared. The initial application was received dated XX/XX/XXXX; along with the disclosure tracking summary showing the initial application date of XX/XX/XXXX; the Service Provider List and the Homeownership Counseling List and Initial LE was sent XX/XX/XXXX, which is within 3 business days from the application date.<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114533 | Credit | Credit | Resolved | Resolved | OB2YPGYL1RQ-96FGM0XY | Borrower(s) Rental Loss Insurance Req (Fail) | \* Borrower(s) Rental Loss Insurance Requirement (Fail) (Lvl R) | The guidelines, section 3.1 requires rent loss coverage in the amount of 6 months or $XXXXX, using the market rent of $XXXX. The file included evidence of homeowners located on page 187 reflecting rent loss of $XXXXX. The rent loss coverage is short by $XXXXX. |  | 2/2/22 The Lender updated their guidelines to reflect the calculation for rental loss coverage to be 6 months PITI, not 6 months rental.<br>PITI of $1,599.46 x 6 = $9,596.76<br> HOI rental loss coverage amount of $XXXXXX | 2/2/22 Finding resolved | 2/2/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114534 | Compliance | Compliance | Resolved | Resolved | 4IGW2AG3S2D-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee. A cost to cure in the amount of $200 is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  | 01/19/2022 PCCD issued XX/XX/XXXX, LOE to consumer, copy of refund check and proof of mailing were provided. | 01/27/2022 Resolved. The documentation provided is sufficient to resolve the finding.<br>| 01/27/2022 Resolved. The documentation provided is sufficient to resolve the finding.<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114536 | Compliance | Compliance | Active | 2: Acceptable with Warnings | HPFBL4RL5OC-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |  |  | Validated | HPML classification is an informational finding, not a regulatory violation.  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114537 | Valuation | Value | Resolved | Resolved | QICDPKW4IWF-K0LQ7SI2 | Property value and predominant value vary by more | \* Property value and predominant value vary by more than 50% (Lvl R) | The Predominant value is outside the High and Low prices noted in the appraisal Neighborhood section. Low $1,100,000 and High $1,450,000. The Predominant $XXXXXXXX. Appraiser to address. |  |  | 3/2/2022: Resolved. An explanation letter was received regarding the typographical error with the inversion of the from $XXXXXXXX - $XXXXXXX for the low and high price. This can be confirmed on page 44 and 45 of the report. The explanation is valid and a final update version of a corrected page of the appraisal should be obtained. | 3/2/2022: Resolved. An explanation letter was received regarding the typographical error with the inversion of the from $XXXXXXXX - $XXXXXXX for the low and high price. This can be confirmed on page 44 and 45 of the report. The explanation is valid and a final update version of a corrected page of the appraisal should be obtained. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114541 | Compliance | Compliance | Active | 2: Acceptable with Warnings | JRDY1SXINJ2-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |  |  | Validated | HPML classification is an informational finding, not a regulatory violation.  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114543 | Credit | Doc Issue | Resolved | Resolved | G1OSPFUYR3M-084LDYCE | VOM or VOR missing/required | \* VOM or VOR missing/required (Lvl R) | VOR Missing from loan file. Per Guideline: Asset Qualifier. Document 12 months rental history within the three years prior to application showing 0x30 late. |  |  | 3/3/2022: Remains. Received lease and account history for XXX XXXX XX XX/XXXX - XX/XXXX were provided for a total of 9 months | 3/3/2022: Remains. Received lease and account history for XXX XXXX XX XX/XXXX - XX/XXXX were provided for a total of 9 months | Unvalidated | The report does not include explanatory notes detailing how the exception was resolved. Missing loan file. 10.08.2024 received loan file. Missing lease and account history for 300 14th St to complete the 12 month mortgage history. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114543 | Credit | Credit Worthiness | Active | 2: Acceptable with Warnings | G1OSPFUYR3M-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl 2) |  |  |  |  |  | Unvalidated | The report does not include explanatory notes detailing how the exception was resolved. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114546 | Compliance | Compliance | Resolved | Resolved | EK55W520JBW-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXX.XX is required. The defect can be cured by reimbursing the consumer or by providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  | 02/14/2022 COC received for the decrease in lender credits. | 02/17/2022 Cleared. COC dated XX/XX/XXXX received for the decrease in lender credits. Sufficient to clear the finding.<br>| 02/17/2022 Cleared. COC dated XX/XX/XXXX received for the decrease in lender credits. Sufficient to clear the finding.<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114546 | Compliance | Compliance | Resolved | Resolved | EK55W520JBW-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the Mortgage Broker Fee and Points-Loan Discount Fee on disclosure XX/XX/XXXX was not accepted. Although the change appears to be valid, because a COC was not provided, auditor is unable to determine if the revised disclosure was provided within 3 business days of the change. A cost to cure in the amount of $1107.20 is required. The defect can be cured by reimbursing the consumer or by providing a date for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  | 02/14/2022 COC received. | 02/17/2022 Cleared. The COC dated XX/XX/XXXX is sufficient to clear the finding for the increase to the Mortgage Broker Fee and Points-Loan Discount Fee. | 02/17/2022 Cleared. The COC dated XX/XX/XXXX is sufficient to clear the finding for the increase to the Mortgage Broker Fee and Points-Loan Discount Fee. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114548 | Credit | Eligibility | Active | 2: Acceptable with Warnings | IUP22GPHJGJ-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl 2) | XX% LTV/CLTV was calculated using purchase price of $XXXXXXXX. DSCR score is 0.66. Qualifying score is 677. Per investor cash flow matrix, DSCR scores less than 1.0 states that a purchase with a qualifying score between 640 and 679 has a max LTV of 70%. |  | 02/21/2022: Finding Waived. The Lender provided the Exception Request Form. The Request was for 5% LTV Exception for loan with DSCR <1.<br> Compensating Factors listed on the form were 1) Reserves 12+ months more than requirement, and 2) Long Term Homeownership >5 years.<br> The loan file documents: 1) 6 months reserves, the requirement minimum, and 2) 24 months primary residence mortgage history, and no Investment property mortgage history.<br> The compensating factors were not supported in the loan file. | 02/22/2022: Exception Remains. Final Grade EVB<br>| 02/22/2022: Exception Remains. Final Grade EVB<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114548 | Credit | Eligibility | Active | 2: Acceptable with Warnings | IUP22GPHJGJ-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl 2) | LTV of XX% was calculated using purchase price of $XXXXXXX. DSCR score is 0.66. Qualifying score is 677. Per investor cash flow matrix, DSCR scores less than 1.0 states that a purchase with a qualifying score between 640 and 679 has a max LTV of 70%. |  | 02/21/2022: Finding Waived. The Lender provided the Exception Request Form. The Request was for 5% LTV Exception for loan with DSCR <1.<br> Compensating Factors listed on the form were 1) Reserves 12+ months more than requirement, and 2) Long Term Homeownership >5 years.<br> The loan file documents: 1) 6 months reserves, the requirement minimum, and 2) 24 months primary residence mortgage history, and no Investment property mortgage history.<br> The Lender's compensating factors were not supported in the loan file. | 02/22/2022: Exception Remains. Final Grade EVB<br>| 02/22/2022: Exception Remains. Final Grade EVB<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114548 | Credit | Credit | Active | 2: Acceptable with Warnings | IUP22GPHJGJ-VADECRA3 | Borrower(s) LTV Requirement (Fail) | \* Borrower(s) LTV Requirement (Fail) (Lvl 2) | LTV of XX% was calculated using purchase price of $XXXXXXXX. DSCR score is 0.66. Qualifying score is 677. Per investor cash flow matrix, DSCR scores less than 1.0 states that a purchase with a qualifying score between 640 and 679 has a max LTV of 70%. |  | 02/21/2022: Finding Waived. The Lender provided the Exception Request Form. The Request was for 5% LTV Exception for loan with DSCR <1.<br> Compensating Factors listed on the form were 1) Reserves 12+ months more than requirement, and 2) Long Term Homeownership >5 years.<br> The loan file documents: 1) 6 months reserves, the requirement minimum, and 2) 24 months primary residence mortgage history, and no Investment property mortgage history.<br> The compensating factors were not supported in the loan file. | 02/22/2022: Exception Remains | 02/22/2022: Exception Remains | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114550 | Credit | Doc Issue | Resolved | Resolved | YX3GVWMQRVQ-E48OQEEZ | HUD-1 Closing Statement missing or unsigned | \* HUD-1 Closing Statement missing or unsigned (Lvl R) | The loan file was missing the final HUD-1 or Closing Disclosure. The HUD-1 was required to document the loan closed and disbursed according to the loan approval terms. | $48,000.93 reserves exceed the minimum required of $14,428.44 or by 21 months.<br> 744 Representative credit score exceeds the minimum required credit score of 680 by 64 Points.<br> DSCR ratio of 1.248 exceeds the minimum requirement of 1.0 by .248 points. | 03/07/2022: The Lender provided the executed Final HUD-1. | 2/25/2022: Finding remains: The lender provided the HUD-1 Addendum Signature Page that was in the origination file. The HUD-1 or Closing Disclosure was not provided.<br> 03/03/2022: Finding remains: The HUD-1 provided was a duplicate of the incomplete document provided for previous review.<br> 03/07/2022: Resolved. | 2/25/2022: Finding remains: The lender provided the HUD-1 Addendum Signature Page that was in the origination file. The HUD-1 or Closing Disclosure was not provided.<br> 03/03/2022: Finding remains: The HUD-1 provided was a duplicate of the incomplete document provided for previous review.<br> 03/07/2022: Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114550 | Credit | Doc Issue | Resolved | Resolved | YX3GVWMQRVQ-WZXMZIVC | Mortgage not properly executed | \* Mortgage not properly executed (Lvl R) | The loan file was missing the Notary Acknowledgment of the signatures of the Co-mortgagors on the Mortgage and Riders. The Notarized signatures were required to verify the named individuals did execute the Mortgage. | 02/22/2022: Document issue. | 02/21/2022: Finding Resolved. The Lender provided the completed Notary Acknowledgment to the Deed of Trust. | 02/21/2022: Finding Resolved. | 02/21/2022: Finding Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114552 | Credit | Guidelines | Resolved | Resolved | VNUEZNMAYCM-JLS636HP | Income documentation does not meet guidelines | \* Income documentation does not meet guidelines (Lvl R) | The borrower is moving from DC to CA and the start date of the new job with XXXXXXXXXX XX XXXXXXXX CA/XXXXXXXXXX XXXXXXXXX is XX/XX/XXXX which is after the subject loan's closing date of XX/XX/XXXX. The loan file contains the Job Offer Letter p.622 with the signed acceptance p.620, current employer verification of the start date p.616, and last 2 years of W2's p.266. The Guidelines Section 7.5.12.2 states: If the borrower will not begin employment until after loan closing, a pay stub may be obtained after closing when each of the following criteria is net. 1. Purchase transaction. 2. Principal residence. 3. One-unit property. 4. Borrower is not employed by a family member or by an interested party to the transaction. 5. Borrower is qualified using only fixed based income. 6. Employment must begin within 60 days of closing. The borrower meets each of the 6 criteria. The loan file is missing the pay stub obtained after closing from XXXXXXXXXX XX XXXXXXXX CA/XXXXXXXXX XXXXXXXX. |  |  | 3/24/2022: Remains. Lender provided a WVOE from the employer dated XX/XX/XXXX with only the salary of $XXXXXXX and no YTD income.<br> 4/1/2022: Resolved. Lender provided a WVOE from the employer dated XX/XX/XXXX with the salary of $XXXXXXX and $XXXXXXX YTD income. | 3/24/2022: Remains. Lender provided a WVOE from the employer dated XX/XX/XXXX with only the salary of $XXXXXXX and no YTD income.<br> 4/1/2022: Resolved. Lender provided a WVOE from the employer dated XX/XX/XXXX with the salary of $XXXXXXX and $XXXXXXX YTD income. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114552 | Compliance | Compliance | Resolved | Resolved | VNUEZNMAYCM-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl R) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii) The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. |  | 03/07/2022 Received the initial CD dated XX/XX/XXXX along with the DocuSign Certificate and E-Disclosure History. | 03/08/2022 Cleared. Received the initial CD dated XX/XX/XXXX along with the DocuSign Certificate with received date XX/XX/XXXX and E-Disclosure History showing received XX/XX/XXXX, which is within 3 business days prior to the consummation. E-consent disclosure is in the original file. This is sufficient to clear the finding. | 03/08/2022 Cleared. Received the initial CD dated XX/XX/XXXX along with the DocuSign Certificate with received date XX/XX/XXXX and E-Disclosure History showing received XX/XX/XXXX, which is within 3 business days prior to the consummation. E-consent disclosure is in the original file. This is sufficient to clear the finding. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114554 | Valuation | Property | Active | 2: Acceptable with Warnings | U4Z2NXLCUP3-WF7LVCT1 | Property Type unacceptable under guidelines | \* Property Type unacceptable under guidelines (Lvl 2) | Lender approved exception in file for a Non-Warrantable Condo in a project that is incomplete. | 755 Representative credit score exceeds the minimum required credit score of 700 by 55 Points. A credit score above the minimum required mitigates risk.<br>28.3 moths PITI Reserves exceeds the minimum 6 months required by 22.3 months. Reserves over the minimum required indicate the borrower can absorb emergency expenses lowering the lenders risk.<br>Borrower has $13,881.71/month residual income after all expenses. Residual income indicates the borrower can better absorb emergencies that could keep the borrower from missing a payment or defaulting on the loan. |  |  |  | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114555 | Credit | Eligibility | Active | 2: Acceptable with Warnings | 2EHL2OJBSXM-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl 2) | The loan file contains an Exception p.172 for the DTI of 50.434% exceeding the maximum allowed DTI of 45%. The Guidelines Homeowners Plus Matrix p.4 shows the maximum DTI is 45% for an Alt documentation loan with a loan amount under $XXXXXXXX and LTV under 85%. Compensating factors are: 720 Representative credit score exceeds the minimum required credit score of 620 by 100 Points, 13 months Reserves exceeds the minimum 3 months required by 10 months, and Borrower has $XXXX.XX residual income after all expenses. | High Asset Reserves<br>High Credit Score<br>High Residual Income<br>Low LTV / CLTV<br>Credit-Prior mortgage/Rental history |  |  |  | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114555 | Compliance | Compliance | Resolved | Resolved | 2EHL2OJBSXM-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl R) | The loan is an HPML. Evidence that a copy of a written appraisal with interior photos and performed by a certified appraiser was provided to the consumer is missing. Per Regulation, a creditor shall provide to the consumer a copy of any written appraisal performed in connection with a HPML. The defect can be resolved by providing evidence that shows the consumer received a copy of the appraisal report. |  | 03/07/2022 Received the appraisal acknowledgment signed XX/XX/XXXX. | 03/08/2022 Cleared. Received the appraisal acknowledgment signed XX/XX/XXXX. This is valid to clear the finding. | 03/08/2022 Cleared. Received the appraisal acknowledgment signed XX/XX/XXXX. This is valid to clear the finding. | Validated | HPML classification is an informational finding, not a regulatory violation.  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114555 | Compliance | Compliance | Resolved | Resolved | 2EHL2OJBSXM-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on was not accepted because a valid change of circumstance was not provided: Appraisal Fee (XX/XX/XXXX) and Transfer Taxes (XX/XX/XXXX). A cost to cure in the amount of $XXX. is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  | 3/10/22: Received XX/XX/XXXX PCCD, shipping label, LOX, and check request | 3/10/22: Remains. Received XX/XX/XXXX PCCD, shipping label, LOX, and check request but we did not receive a copy of the check. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on was not accepted because a valid change of circumstance was not provided: Appraisal Fee (XX/XX/XXXX) and Transfer Taxes (XX/XX/XXXX). A cost to cure in the amount of $XXX. is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label).<br>3/21/21 Cleared. The copy of the check resolved the violation.<br>| 3/10/22: Remains. Received XX/XX/XXXX PCCD, shipping label, LOX, and check request but we did not receive a copy of the check. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on was not accepted because a valid change of circumstance was not provided: Appraisal Fee (XX/XX/XXXX) and Transfer Taxes (XX/XX/XXXX). A cost to cure in the amount of $XXX. is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label).<br>3/21/21 Cleared. The copy of the check resolved the violation.<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114555 | Compliance | Compliance | Resolved | Resolved | 2EHL2OJBSXM-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl R) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). The initial CD is missing from the loan file. The only CD's provided were issued XX/XX/XXXX. One is unsigned, and the other was signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. |  | 03/07/2022 E-Disclosure History received for the initial CD XX/XX/XXXX. | 03/08/2022 Cleared. Received the Initial CD dated XX/XX/XXXX along with the Acknowledgment of Receipt signed XX/XX/XXXX, DocuSign Certificate showing received XX/XX/XXXX and E-Disclosure History with received date XX/XX/XXXX, which is within 3 business days prior to the consummation. E-consent to sign electronically is in the original file. This is sufficient to clear the finding. | 03/08/2022 Cleared. Received the Initial CD dated XX/XX/XXXX along with the Acknowledgment of Receipt signed XX/XX/XXXX, DocuSign Certificate showing received XX/XX/XXXX and E-Disclosure History with received date XX/XX/XXXX, which is within 3 business days prior to the consummation. E-consent to sign electronically is in the original file. This is sufficient to clear the finding. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114557 | Credit | Eligibility | Active | 2: Acceptable with Warnings | 412THVL5OT0-AOA4RHKS | Property Type does not meet elig. requirement(s) | \* Property Type does not meet eligibility requirement(s) (Lvl 2) | The subject Condotel was an ineligible type under Investor Plus Guidelines Sec. 13.8.1. The loan file included the approved Exception Request Form utilizing 1) excess reserves and 2) DSCR at 1.29 - required DSCR 1.0 as compensating factors. The approval included Decision Rational as follows: Well established and maintained project. Fully sold out and minimal delinquency. Borrower reserves are 14 months with 9 required. DSCR coverage of 1.29 exceeds the required 1.0. | DSCR ratio of 1.286 exceeds the minimum requirement of 1.0 by .286 points.<br> $25,608.80 reserves exceed the minimum required of $14,402.16 by $11,200.64 and exceeds the minimum of 9 months by 7 additional months.<br>|  |  |  | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114557 | Credit | Doc Issue | Resolved | Resolved | 412THVL5OT0-E48OQEEZ | HUD-1 Closing Statement missing or unsigned | \* HUD-1 Closing Statement missing or unsigned (Lvl R) | The loan file was missing the Final HUD-1. The HUD-1 at pages 722-723 was not dated or executed by the Closing Agent or Borrower. The HUD-1 verifies the loan closed and disbursed according to the Loan Approval terms. | $25,608.80 reserves exceed the minimum required of $14,402.16 exceeds the minimum by 7.003 months over the required minimum.<br> DSCR ratio of 1.286 exceeds the minimum requirement of 1.0 by .286 points.<br>| 03/03/2022: The Lender provided the executed Final HUD-1 | 03/03/2022: Finding Resolved. Final HUD-1 provided. | 03/03/2022: Finding Resolved. Final HUD-1 provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114557 | Credit | Doc Issue | Resolved | Resolved | 412THVL5OT0-ZSOV6EYX | Not all borrowers signed HUD | \* Not all borrowers signed HUD (Lvl R) | The loan file was missing the Final HUD-1. The HUD-1 at pages 722-723 was not dated or executed by the Closing Agent or Borrower. The HUD-1 verifies the loan closed and disbursed according to the Loan Approval terms. | $25,608.80 reserves exceed the minimum required of $14,402.16 exceeds the minimum by 7.003 months over the required minimum.<br> DSCR ratio of 1.286 exceeds the minimum requirement of 1.0 by .286 points. |  | 03/03/2022: Finding Resolved. Final HUD-1 provided. | 03/03/2022: Finding Resolved. Final HUD-1 provided. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114558 | Credit | Credit | Resolved | Resolved | WXPAGDWDM0C-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | Missing the CPA letter for a self-employed borrower | Review verified 85.29 months PITI reserves, which exceeds the guidelines requirement of 6 months PITI reserves by 79.29 months. Reserves over the minimum required indicate the borrower can absorb emergency expenses lowering the lenders risk.<br>Borrower has been self employed for 26 years. Length of employment, usually 5 years of more establishes stability, stability means the borrower is less likely to default.<br>Borrower qualifying credit score of 778 exceeds the guideline minimum requirement of 680 by 98 points. A credit score over the minimum lowers the mitigated risk. | 3/17/22 Celebrity provided 24 business bank statements, AZ Corp Commission showing business is active, website with borrowers bio, AZ business license. CPA letter is one of many documents that could be used | 2/14/2022: Remains. Received business license. The business license supports how long the business has been in existence but does not show the percent of ownership. Per the guidelines, Section 7.3.2 (pg. 26); Verification borrower is minimum 25% owner of business: Ownership percentage must be documented via CPA letter, Operating Agreement, or equivalent.<br> 2/17/2022: Remains. Received business license. The business license supports how long the business has been in existence but does not show the percent of ownership. Per the guidelines, Section 7.3.2 (pg. 26); Verification borrower is minimum 25% owner of business: Ownership percentage must be documented via CPA letter, Operating Agreement, or equivalent.<br> 2/24/2022: Remains. Received statement from lender that the VVOE and business license is sufficient. Verification borrower is minimum 25% owner of business: Ownership percentage must be documented via CPA letter, Operating Agreement, or equivalent.<br> 3/1/2022: Remains. Received LOE from the lender with business options for equivalent documentation for ownership percentage but no additional documentation has been provided to back up the LOE. Ownership percentage must be documented via CPA letter, Operating Agreement, or equivalent.<br> 3/3/2022: Remains. The information received does not validate the percentage of ownership the CPA letter would validated the ownership.<br>3/9/2022: Remains. The PPP loan tracking information received does not validate the percentage of ownership. the CPA letter would validated the ownership.<br>3/17/22 Finding resolved | 2/14/2022: Remains. Received business license. The business license supports how long the business has been in existence but does not show the percent of ownership. Per the guidelines, Section 7.3.2 (pg. 26); Verification borrower is minimum 25% owner of business: Ownership percentage must be documented via CPA letter, Operating Agreement, or equivalent.<br> 2/17/2022: Remains. Received business license. The business license supports how long the business has been in existence but does not show the percent of ownership. Per the guidelines, Section 7.3.2 (pg. 26); Verification borrower is minimum 25% owner of business: Ownership percentage must be documented via CPA letter, Operating Agreement, or equivalent.<br> 2/24/2022: Remains. Received statement from lender that the VVOE and business license is sufficient. Verification borrower is minimum 25% owner of business: Ownership percentage must be documented via CPA letter, Operating Agreement, or equivalent.<br> 3/1/2022: Remains. Received LOE from the lender with business options for equivalent documentation for ownership percentage but no additional documentation has been provided to back up the LOE. Ownership percentage must be documented via CPA letter, Operating Agreement, or equivalent.<br> 3/3/2022: Remains. The information received does not validate the percentage of ownership the CPA letter would validated the ownership.<br>3/9/2022: Remains. The PPP loan tracking information received does not validate the percentage of ownership. the CPA letter would validated the ownership.<br>3/17/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114558 | Credit | Credit | Active | 2: Acceptable with Warnings | WXPAGDWDM0C-F5KBXJVS | Special information booklet is Missing | \* Special information booklet is Missing (Lvl 2) | There is no date evident on the Tool Kit provided in the loan file; auditor cannot determine if it was disclosed to the borrower within 3 business days of the application date, XX/XX/XXXX. The defect can be cured by providing evidence that shows the disclosure was provided within 3-business days of application. |  |  |  |  | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114558 | Compliance | Compliance | Active | 2: Acceptable with Warnings | WXPAGDWDM0C-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl 2) | The Service Provider List, issued on XX/XX/XXXX, is inaccurate. The following is missing from the disclosure: provider information for Home Warranty Plan fee. Per Regulation Z, if the creditor permits a consumer to shop for a settlement service, the creditor must identify at least one provider of that service on the Service Provider List. The list must also contain sufficient information for the consumer to contact a provider for each required settlement service for which the consumer can shop. In addition, the document must state that the consumer may choose a different provider. Note: Failure to provide a service provider for a shoppable service on the Service Provider List is treated as not allowing the borrower to shop for that service. As a result, charged shoppable fees will be included in the 10% tolerance bucket." |  | 2/21/22: Received Tracking Disclosure | 2/21/22: Remains. The information provided is not sufficient to cure the violation. Received tracking disclosure showing LE information. | 2/21/22: Remains. The information provided is not sufficient to cure the violation. Received tracking disclosure showing LE information. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114558 | Compliance | Compliance | Resolved | Resolved | WXPAGDWDM0C-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fee(s) on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Points. A cost to cure in the amount of $XXXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  | eDisclosure Tracking History | 2/16/22: Remains. Received XX/XX/XXXX LE and COC dated XX/XX/XXXX. After running a new report including the XX/XX/XXXX LE, 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).<br> Because the loan failed the LE Delivery Date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: Discount points, appraisal. The violation may be cured if documentation is provided showing the disclosure was delivered timely.<br>2/21/2022 Cleared. The eDisclosure Tracking History resolved the tolerance fail.<br>| 2/16/22: Remains. Received XX/XX/XXXX LE and COC dated XX/XX/XXXX. After running a new report including the XX/XX/XXXXLE, 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).<br> Because the loan failed the LE Delivery Date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: Discount points, appraisal. The violation may be cured if documentation is provided showing the disclosure was delivered timely.<br>2/21/2022 Cleared. The eDisclosure Tracking History resolved the tolerance fail.<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114559 | Valuation | Property | Active | 2: Acceptable with Warnings | P1KHJJAFWJW-WF7LVCT1 | Property Type unacceptable under guidelines | \* Property Type unacceptable under guidelines (Lvl 2) | Lender approved exception in the file for a Non-Warrantable Condo with > 60% owned as investment properties. | 731 Representative credit score exceeds the minimum required credit score of 680 by 51 Points. A credit score above the minimum required mitigates risk.<br>115.26 moths PITI Reserves exceeds the minimum 3 months required by 112.26 months. Reserves over the minimum required indicate the borrower can absorb emergency expenses lowering the lenders risk. |  |  |  | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114562 | Credit | Credit | Active | 2: Acceptable with Warnings | WP2KOQHZQLX-0BLBZVJN | Credit | \* Missing Documentation (Lvl 2) | The loan file contains an Exception p.664 for allowing the use of AUS with VOM on Private Mortgage 2nd. The Guidelines p.15 state if a borrower has a privately held mortgage all the following documentation is required: Payments must be verified with either canceled checks or bank statements AND a copy of the note is required to verify payment amount and due date. The loan file contains an LPA p.225 and a Promissory Note for WADOT p.580 which shows Interest Only payments are required with no specified amount. | The CLTV is 58.529% vs program max of 80%, a reduction of 21%.<br> The FICO score is 710 vs the 680 minimum, a 30 point difference.<br> 17 years in the home. |  | 3/7/2022: Remains. Received exception wit no additional documentation.<br> 3/17/2022: Remains. Exception received dated XX/XX/XXXX, allowing for use of AUS with VOM on private 2nd vs guideline requirements of the VOM, note and validation of the 12 months payments via bank statements or canceled checks. The loan file does not contain documentation to validate the 12 months payments as required. The loan contains a VOM from LLC company holding mortgage. The borrowers 1st mtg payment of $XXXX has been paid as agreed. The borrower has been in the home 17 years, an LTV of 58.529% vs 80 maximum for the product and a FICO of 70 vs the minimum of 680. | 3/7/2022: Remains. Received exception wit no additional documentation.<br> 3/17/2022: Remains. Exception received dated XX/XX/XXXX, allowing for use of AUS with VOM on private 2nd vs guideline requirements of the VOM, note and validation of the 12 months payments via bank statements or canceled checks. The loan file does not contain documentation to validate the 12 months payments as required. The loan contains a VOM from LLC company holding mortgage. The borrowers 1st mtg payment of $XXXX has been paid as agreed. The borrower has been in the home 17 years, an LTV of 58.529% vs 80 maximum for the product and a FICO of 70 vs the minimum of 680. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114562 | Credit | Credit | Resolved | Resolved | WP2KOQHZQLX-3V25W7T4 | Missing income documentation (ATR) | \* Missing income documentation (ATR) (Lvl R) | The origination underwriter used monthly income of $XXXXX.XX for the borrower. It appears that the 10% expense factor from the CPA letters p.473 and p. 474 was used to calculate the income. The Guidelines p.38 and p.39 show that if something other than the standard 50% expense factor is being used, Option 2 can be used to determine the income. This states that a 10% expense factor can be used with 12 months of business bank statements AND an expense statement specifying business expenses (minimum expense ratio is 10%) as a percent of the gross annual sales/revenue, prepared and signed by either a CPA/accountant, IRS Enrolled Agent, or tax preparer. The loan file is missing the expense statement described in Option 2. |  |  | 3/23/2022: Resolved. CPA letter stating that the borrower is 100% owner with a less than 10% expense | 3/23/2022: Resolved. CPA letter stating that the borrower is 100% owner with a less than 10% expense | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114562 | Compliance | Compliance | Resolved | Resolved | WP2KOQHZQLX-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fee on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Points - Loan Discount Fee. A cost to cure in the amount of $XXXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  | 3/7/22: Received XX/XX/XXXX COC and XX/XX/XXXX CD | 3/25/22 Cleared. The reason provided is sufficient to resolve the violation. | 3/25/22 Cleared. The reason provided is sufficient to resolve the violation. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114563 | Credit | Credit Worthiness | Resolved | Resolved | ZCCE3F1NZOZ-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl R) | The final 1003 p.442 shows the borrower currently lives rent free. The loan file is missing documentation to explain why the borrower lives rent free. Compensating factors are: DTI is 26.686 below maximum DTI of 50%, Borrower has $11,263.85 residual income after all expenses, 785 Representative credit score exceeds the minimum required credit score of 660 by 125 Points, $37,516.72 reserves exceed the minimum required of $29,358 exceeds the minimum by 2.33 months over the required minimum. | High Credit Score<br>High Asset Reserves<br>High Residual Income<br>Low DTI Ratio | 2/23/22 NewFi guidelines do not require an explaination for why the borrower is living rent free | 2/23/22 Finding resolved | 2/23/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114564 | Credit | Credit | Resolved | Resolved | BKIRUITW2XE-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl R) | The loan file is missing the borrower's Non-Permanent Resident card. Guidelines p.11 states:<br> Visa types allowed E-1, E-2, E-3, EB-5, G-1 through G-5, H-1, L-1, L-2, NATO, O-1, R-1, TN NAFTA.<br> • Visas must be current and have at least six (6) months remaining from the close date, if less than six (6) months provide evidence that extension has been requested.<br> • If the visa will expire within six (6) months of the loan application a letter from the employer stating the borrower's continued employment and continued visa renewal sponsorship. Employer on the loan application must be same on the unexpired visa. |  |  | 3/7/2022: Resolved. Provided the Employment authorization that expires more than 6 months after the Note date | 3/7/2022: Resolved. Provided the Employment authorization that expires more than 6 months after the Note date | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114566 | Credit | Doc Issue | Resolved | Resolved | PJY55RAYRTF-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | Title commitment in the file shows the policy coverage of $895,000, which is below the loan amount of $901,850. Missing evidence of the final title policy to show sufficient coverage. |  |  | 3/7/2022: Resolved. Received title report for the subject property in the amount of $XXXXXX | 3/7/2022: Resolved. Received title report for the subject property in the amount of $XXXXXX. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114567 | Credit | Doc Issue | Resolved | Resolved | CXEUADRPQV0-6339D0ME | Settlement date is different from note date | \* Settlement date is different from note date (Lvl R) | The subject loan closed on XX/XX/XXXX, the HUD is dated XX/XX/XXXX, which reflects a funding date prior to closing date. The file did not include a revised HUD. | XX% LTV is below the maximum 75% LTV by XX%.<br> 696 Representative credit score exceeds the minimum required credit score of 600 by 96 Points. | 02/25/2022: The Lender provided the Final Post Consumation Closing Disclosure with proper Closing date XX/XX/XXXX, and Disbursement date XX/XX/XXXX. The CD was issued XX/XX/XXXX. | 02/25/2022: Lender Exception Wavier Applied; Final Grade EV/B | 02/25/2022: Lender Exception Wavier Applied; Final Grade EVB | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114568 | Credit | Credit | Resolved | Resolved | CNZY5VXDE3B-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The final 1003 p.427 shows the property at XXXX XXX XXX XXX, XXX XXXXX, CA will be sold on or before closing. The loan file contains a CD p.445 for the sale of this property; however, the CD is dated XX/XX/XXXX which is after the subject closing date of XX/XX/XXXX and the CD is not executed. Proof this property is sold on or before the subject closing date of XX/XX/XXXX. If this property was not sold on or before the subject closing, proof of the PITIA is needed to add to DTI. It should be noted that the inclusion of the PITIA for this property will increase the DTI over the maximum of 50%. |  |  | 3/10/2022: Remains. Received the final settlement statement for XXXX XXX XXX XXX dated XX/XX/XXXX which is after closing. Borrower to receive $415,251.59<br> 3/14/2022: Resolved. The loan file does contains the Alta Statement to confirm funding of the subject was XX/XX/XXXX. | 3/10/2022: Remains. Received the final settlement statement for XXXX XXX XXX XXX dated XX/XX/XXXX which is after closing. Borrower to receive $XXXXXX<br> 3/14/2022: Resolved. The loan file does contains the Alta Statement to confirm funding of the subject was XX/XX/XXXX. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114568 | Credit | Doc Issue | Resolved | Resolved | CNZY5VXDE3B-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The loan file is missing a preliminary title or title policy reflecting the policy amount as the preliminary title p.791 does not reflect the amount. The loan amount is $XXXXXXXX. |  |  | 2/25/2022: Resolved. Received supplemental report for the subject property with the loan amount of $XXXXXXX | 2/25/2022: Resolved. Received supplemental report for the subject property with the loan amount of $XXXXXXXX | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114568 | Credit | Guidelines | Resolved | Resolved | CNZY5VXDE3B-JLS636HP | Income documentation does not meet guidelines | \* Income documentation does not meet guidelines (Lvl R) | The CPA letter p.456 indicates an expense factor of 45.6%. The Guidelines p.38 and p.39 show that if something other than the standard 50% expense factor is being used, Option 2 can be used to determine the income. This states that a 10% expense factor can be used with 12 months of business bank statements AND an expense statement specifying business expenses (minimum expense ratio is 10%) as a percent of the gross annual sales/revenue, prepared and signed by either a CPA/accountant, IRS Enrolled Agent, or tax preparer. The loan file is missing the expense statement described in Option 2. |  |  | 3/10/2022: Remains. Received letter from the CPA but not the expense statement<br> 3/14/2022: Resolved. letter in file from CPA confirming expense of 46.5%. | 3/10/2022: Remains. Received letter from the CPA but not the expense statement<br> 3/14/2022: Resolved. letter in file from CPA confirming expense of 46.5%. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114568 | Credit | Credit | Resolved | Resolved | CNZY5VXDE3B-KN6IC5WB | Missing asset documentation (ATR) | \* Missing asset documentation (ATR) (Lvl R) | The final 1003 p.426 lists proceeds from real estate property to be sold on or before closing of $XXXXXXXX and the property at XXXX XXX XXX XXX, XXX XXXXX, CA is marked pending sale on the 1003 p.427. The loan file contains a CD p.445 for the sale of XXXX XXX XXX XXX, XXX XXXXX, CA which shows proceeds of $XXXXXX.XX. The CD is dated XX/XX/XXXX which is after the subject closing date of XX/XX/XXXX and the CD is not executed. The borrowers have verified assets of $68,030.84 and brought $XXXXXX.XX to closing per CD p.407 and need 6 months reserves of $60,309.96. The borrowers are short, verified funds to close by $XXXXXX.XX. Compensating factors are: 752 Representative credit score exceeds the minimum required credit score of 660 by 92 Points and Borrower has $XXXXX.XX residual income after all expenses. | High Credit Score<br>High Residual Income | 3/18/22 NewFi provided the final settlement statement (which does not have to be signed) for the sale of XXXXXXXXXX , XXX XXXXX, CA XXXXX (which closed the same day as the subject property) with line item: Proceeds to Purchase Escrow to XXXXXX XXXX XXXXXX XXX for $XXXXXX (held int escrow for the subject property transaction) along with the funds to seller of $XXXXXX (also from the sale of XXXXXXXXXX property). This with the XXXXX account # XXXX of $XXXXXX and XXXXX account #XXXX1 of $XXXXXX reflect a total of $XXXXXX in verified assets. Large deposit verification is not required for cash to close or reserves | 3/10/2022: Remains. Received the final settlement statement for XXXX XXX XXX XXX dated XX/XX/XXXX which is after closing. Borrower to receive $XXXXXXX<br> 3/14/2022: Remains. The funds to close per the information listed on the final CD is $XXXXXXX in funds to close + 6 months reserves $60,309.96 = $XXXXXXX total to be verified. Funds currently verified in file are XXXXX XX/XX/XXXX $XXXXXXX +$XXXXXXX and SDCCU 10-31-2021 $XXXXXXX andXXXXXXX (removed $XXXXXXX deposit not verified) total assets verified + funds from XXXXXX = $XXXXXXX. Total assets verified are $XXXXXXX. Remaining funds needed to meet asset requirements = $XXXXXXX. Validation from CPA that use of business funds at 100% will not have a negative effect on business.<br>3/18/22 Finding resolved | 3/10/2022: Remains. Received the final settlement statement for XXX dated XX/XX/XXXX which is after closing. Borrower to receive $XXXXXXXX<br> 3/14/2022: Remains. The funds to close per the information listed on the final CD is $XXXXXXXX in funds to close + 6 months reserves $60,309.96 = $943,671.69 total to be verified. Funds currently verified in file are XXXXX XX/XX/XXXX $XXXXXXXX +$XXXXXXXX and XXXXX XX/XX/XXXX $XXXXXXXX and XXXXXXXX (removed $XXXXXXXX deposit not verified) total assets verified + funds from XX XXX = $XXXXXXXX. Total assets verified are $667,277. Remaining funds needed to meet asset requirements = $XXXXXXXX. Validation from CPA that use of business funds at 100% will not have a negative effect on business.<br>3/18/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114568 | Credit | Assets Insufficient | Resolved | Resolved | CNZY5VXDE3B-N0ARUTPV | Assets are not sufficient to close | \* Assets are not sufficient to close (Lvl R) | The loan file is missing the source for the following large deposits into XXX XXXXX XXXXXX chkg #XXXX-XX: XX/XX/XXXX $XXXXX, XX/XX/XXXX $XXXXX, and XX/XX/XXXX $XXXXX. |  | 3/18/22 NewFi provided the final settlement statement (which does not have to be signed) for the sale of XXXXX XXXXXX XXXX XXXXX, XXX XXXXX, CA XXXXX (which closed the same day as the subject property) with line item: Proceeds to Purchase Escrow to XXXXXX XXXX XXXXXX XXX for $884,000 (held int escrow for the subject property transaction) along with the funds to seller of $XXXXXX.XX (also from the sale of XXXX XX X XXXXX XX property). This with the XXXXX account # XXXX of $XXXXX and XXXXX account # XXXX of $XXXXXXX.XX reflect a total of $XXXXXXX.XX in verified assets. Large deposit verification is not required for cash to close or reserves | 3/10/2022: Remains. Received explanation for deposits. $XXXXXXX still needs source.<br> 3/14/2022: Remains. The $XXXXXXX deposit has not been sourced. The following is the state of assets without the $40,000 verified. The funds to close per the information listed on the final CD is $XXXXXXX in funds to close + 6 months reserves $60,309.96 = $943,671.69 total to be verified. Funds currently verified in file are XXXXX XX/XX/XXXX $XXXXXXX +$XXXXXXX and SDCCU XX/XX/XXXX $XXXXXXX and XXXXXXX (removed $XXXXXXX deposit not verified) total assets verified + funds from XXXXX = $XXXXXXX. Total assets verified are $667,277. Remaining funds needed to meet asset requirements = $XXXXXXX.<br>3/18/22 Finding resolved | 3/10/2022: Remains. Received explanation for deposits. $XXXXXXXX still needs source.<br> 3/14/2022: Remains. The $XXXXXXXX deposit has not been sourced. The following is the state of assets without the $XXXXXXXX verified. The funds to close per the information listed on the final CD is $XXXXXXXX in funds to close + 6 months reserves $60,309.96 = $943,671.69 total to be verified. Funds currently verified in file are XXXXX XX/XX/XXXX $XXXXXXXX +$XXXXXXXX and XXXXX XX/XX/XXXX $XXXXXXXX and XXXXXXXX (removed $XXXXX deposit not verified) total assets verified + funds from XXXXX = $XXXXXXXX. Total assets verified are $667,277. Remaining funds needed to meet asset requirements = $XXXXXXXX.<br>3/18/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114568 | Credit | Credit | Resolved | Resolved | CNZY5VXDE3B-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl R) | The Chase Mortgage statements for the borrowers' current primary at XXXX XXX XXX XXX, XXX XXXXX, CA p.642, 646, 650, 654 all show a deferred balance of $XXXXX.XX. The statements show payments are being made and the unpaid principal balance is going down each month. There is a letter from XXXXX dated XX/XX/XXXX p.637 which states the lender moved the unpaid principal and interest amounts to the end of the account term and changed the next payment date to bring the account up to date. The credit report p.240 does not show the mortgage is in forbearance and does not reflect any late payments. The Guidelines p.17 and 18 state a recent forbearance due to COVID-19 may be eligible based on the following: Borrowers who entered forbearance but continued to make timely payments and remained employed without income disruption, are eligible without any other requirements. The loan file is missing verification the borrower entered forbearance due to COVID-19 as the XXXXXletter does not state why the forbearance was entered into. |  |  | 3/14/2022: Resolved. The letter from XXXXX refers to Special relief assistance program dated XX/XX/XXXX and payments return XX/XX/XXXX. This is evidenced due to time frame and the special relief assistance identified to be COVID related. mortgage payments are reflected on mortgage statements showing mortgage was being paid at a higher amount than required, $XXXXXXXX for 5 months as well as the file contains a credit report showing payments made from XX/XX/XXXX. Final payoff only shows the initial amount of deferment added to payoff, $XXXXX. Borrowers have met requirements of the guidelines. | 3/14/2022: Resolved. The letter from XXXXX refers to Special relief assistance program dated XX/XX/XXXXand payments return XX/XX/XXXX. This is evidenced due to time frame and the special relief assistance identified to be COVID related. mortgage payments are reflected on mortgage statements showing mortgage was being paid at a higher amount than required, $XXXXXX for 5 months as well as the file contains a credit report showing payments made from XX/XX/XXXX. Final payoff only shows the initial amount of deferment added to payoff, $XXXXXX. Borrowers have met requirements of the guidelines. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114568 | Valuation | Doc Issue | Resolved | Resolved | CNZY5VXDE3B-SWGGJEY3 | Missing flood cert | \* Missing flood cert (Lvl R) | The loan file is missing the flood cert. |  |  | 2/23/2022: Resolved. Received Flood Cert. | 2/23/2022: Resolved. Received Flood Cert. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114569 | Credit | Credit | Resolved | Resolved | PEAMLMICLIP-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The loan file contains an Exception Request Form p.721 for FICO less than 680 for First Time Homebuyer and less than 660 for bank loan. Guideline p.7 shows the minimum score for purchase or rate/term loan amounts under $XXXXXXX is 660. Per the XX/XX/XXXX credit report p.173, the qualifying score is 661. The subject loan is a rate/term refinance of a primary home which the borrowers inherited and have lived in for the past months. The loan file contains proof the borrowers have paid the current mortgage for those 12 months p.219 to 223. |  |  | 3/10/2022: Received approved exception to allow 653 FICO vs required 680 for FTHB and 660 for bank loan. Per the XX/XX/XXXX credit report p.173, the qualifying score is 661. Loan is R/T refinance of primary residence that the borrowers inherited and documentation showing mortgage payments made is in the loan file. Exception does not appear to be needed but is noted. | 3/10/2022: Received approved exception to allow 653 FICO vs required 680 for FTHB and 660 for bank loan. Per the XX/XX/XXXX credit report p.173, the qualifying score is 661. Loan is R/T refinance of primary residence that the borrowers inherited and documentation showing mortgage payments made is in the loan file. Exception does not appear to be needed but is noted. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114569 | Credit | Credit | Resolved | Resolved | PEAMLMICLIP-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl R) | The subject loan is a rate/term refinance of a primary home which the borrowers inherited and have lived in for the past months. The 1008 p.722 has underwriter notes stating the borrowers inherited the subject. The loan file contains: an LOE for the borrowers paying current mortgage p.444, an LOE p.448 stating B2 inherited the subject, a mortgage statement with B2's name on it p.612, a contract for B2 buying out her sister's, XXXXXX X XXXXXXXXX, half interest in the subject p.620, the father's Trust p.652 & 667, Death Cert p.627 for B2's father, the father's Will p.655 states B2 and her sister each get 50% of assets; however, it does not list what the assets consist of. The appraisal p.9 shows the Borrower as XXXXXXX XXXXXXXX and XXXXXXX X XXXXXXXX and the Owner of Public Record as XXXXXX X XXXXXXX. The loan file is missing court documentation showing B2 inherited the subject. |  |  | 3/2/2022: Resolved. Received court documentation that shows the B1 and sister inheriting the house and the sales contract between the 2 to split the equity in the home. | 3/2/2022: Resolved. Received court documentation that shows the B1 and sister inheriting the house and the sales contract between the 2 to split the equity in the home. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114570 | Credit | Doc Issue | Resolved | Resolved | VRB3NCASHDE-6HPPLAGC | Missing proof of hazard insurance | \* Missing proof of hazard insurance (Lvl R) | The loan file (page 382) contains XXXXXXX Insurance 360Value Replacement cost Valuation, insurance coverage must be equal to 100% of the insurable value of the improvements as established by the insurer ($XXXXXX.XX). The file did not include evidence of insurance. |  | 02/11/2022: Finding Resolved. The lender provided evidence of hazard and rent loss coverage.. | Finding Resolved. | Finding Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114571 | Valuation | Property | Active | 2: Acceptable with Warnings | W34C2CDYLXA-WF7LVCT1 | Property Type unacceptable under guidelines | \* Property Type unacceptable under guidelines (Lvl 2) | The appraisal on file, page 1, reflects that the subject property has a 5.33 acres on land. Per the applicable guidelines, page 17, require a maximum acreage limitations of two (2) acres. The loan file contains an exception approval form , page 481 | 0x30 mortgage history for 25 months.<br> 758 Representative credit score exceeds the minimum required credit score of 700 by 58 Points. |  |  |  | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114572 | Credit | Eligibility | Active | 2: Acceptable with Warnings | PBIHRSJVMTK-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl 2) | The guidelines allow a LTV of 70% for a cash out refinance with a credit score of 660-699. The borrowers qualifying score is 693 and the loan closed with an XX% LTV. The file included an approved exception for the increase of the LTV. | $95,628.58 reserves exceed the minimum required of $1,765.68 exceeds the minimum by 106 months over the required minimum.<br> DSCR ratio of 1.314 exceeds the minimum requirement of 1.0 by .314 points<br> 0x30 mortgage history for 24 months<br> Borrower has owned subject investment property 6 years.<br>|  |  |  | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114572 | Credit | Doc Issue | Resolved | Resolved | PBIHRSJVMTK-6HPPLAGC | Missing proof of hazard insurance | \* Missing proof of hazard insurance (Lvl R) | The file is missing evidence of HO6 and master insurance. |  | 02/14/2022: Finding Resolved: Lender provided the Master HOA Insurance Certificate of Insurance, which includes Walls-in-Coverage for the subject unit. | 02/14/2022: Finding Resolved. | 02/14/2022: Finding Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114572 | Credit | Eligibility | Active | 2: Acceptable with Warnings | PBIHRSJVMTK-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl 2) | The guidelines allow a LTV of 70% for a cash out refinance with a credit score of 660-699. The borrowers qualifying score is 693 and the loan closed with an XX% LTV. The file included an approved exception for the increase of the LTV. | $95,628.58 reserves exceed the minimum required of $1,765.68 exceeds the minimum by 106 months over the required minimum.<br> DSCR ratio of 1.314 exceeds the minimum requirement of 1.0 by .314 points<br> 0x30 mortgage history for 24 months<br> Borrower has owned subject investment property 6 years.<br>|  |  |  | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114572 | Credit | Credit | Active | 2: Acceptable with Warnings | PBIHRSJVMTK-VADECRA3 | Borrower(s) LTV Requirement (Fail) | \* Borrower(s) LTV Requirement (Fail) (Lvl 2) | The guidelines allow a LTV of 70% for a cash out refinance with a credit score of 660-699. The borrowers qualifying score is 693 and the loan closed with an XX% LTV. The file included an approved exception for the increase of the LTV. | $95,628.58 reserves exceed the minimum required of $1,765.68 exceeds the minimum by 106 months over the required minimum.<br> DSCR ratio of 1.314 exceeds the minimum requirement of 1.0 by .314 points<br> 0x30 mortgage history for 24 months<br> Borrower has owned subject investment property 6 years. |  |  |  | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114573 | Credit | Guidelines | Active | 2: Acceptable with Warnings | 2ODGRJ2MSWX-E7DONNTT | Credit history does not meet guidelines | \* Credit history does not meet guidelines (Lvl 2) | The borrowers were refinancing a private lien, dated XX/XX/XXXX. Per the borrowers' LOE, p781, they made some of their housing payments in cash. There was a VOM in the file, p565, indicating no late payments on the private lien. However, guidelines required evidence of timely housing payments on private liens with copies of cancelled checks or bank statements, and the cancelled checks in the file (p511) were only partial payments. There was an Exception Form in the file, p1066, dated XX/XX/XXXX, for use of a VOM instead of cancelled checks or bank statements. | XX% LTV |  |  |  | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114573 | Credit | Guidelines | Active | 2: Acceptable with Warnings | 2ODGRJ2MSWX-HTEKL4JF | Asset do not meet guidelines | \* Asset do not meet guidelines (Lvl 2) | Per the final CD, the borrowers brought $XXXXXXX.XX cash to closing. Required reserves were $363,315.72. The borrowers had verified funds after closing of $XXXXXX.XX, which was not sufficient to meet the reserves requirement. There was an Exception Form in the file, p1066, dated XX/XX/XXXX, for less than 12 months reserves (stated "just over 11 months" but Audit had only 9.62 months reserves). | XX% LTV |  |  |  | Unvalidated | The lender exception stated "just over 11 months" of reserves but the audit only calculated 9.62 months reserves. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114574 | Credit | Eligibility | Active | 2: Acceptable with Warnings | HHUPFLBOX0A-4HICM5S5 | Purpose does not meet eligibility requirement(s) | \* Purpose does not meet eligibility requirement(s) (Lvl 2) | Subject transaction is a cash out transaction on a rural located property, which is not acceptable per guidelines. Lender approved the exception (pg 726) on XX/XX/XXXX. | Length of Time at Employment<br>High Asset Reserves |  |  |  | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114574 | Credit | Guidelines | Active | 2: Acceptable with Warnings | HHUPFLBOX0A-6AYWZTAE | Loan does not conform to program guidelines | \* Loan does not conform to program guidelines (Lvl 2) | The subject loan was approved using business bank statement income to qualify. The bank statements provided show a total of 37 NSF fees in the past 12 months, which is not allowed per guidelines. Lender approved the exception (pg 726) on XX/XX/XXXX. | Length of Time at Employment<br>High Asset Reserves |  |  |  | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114575 | Compliance | Compliance | Resolved | Resolved | VS1Q5S0IA2I-1E29A8UN | TRID- SPL late | \* TRID- SPL late (Lvl R) | The Service Provider List issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. As a result, fees that the borrower could shop for were tested under 10% tolerance. The defect can be resolved by providing the SPL that was provided to the consumer within 3 business days of application |  | 03/28/2022 Received rebuttal email. | 03/03/2022 Remains. SPL received dated XX/XX/XXXX. Finding Remains. The Service Provider List issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. As a result, fees that the borrower could shop for were tested under 10% tolerance. The defect can be resolved by providing the SPL that was provided to the consumer within 3 business days of application.<br>03/08/2022 Remains. The SPL received date XX/XX/XXXX was not disclosed within 3 days of application dated XX/XX/XXXX.<br>03/29/2022 Cleared. Received rebuttal email. The email shows snips of the application date XX/XX/XXXX, the SPL dated XX/XX/XXXX was sent within 3 business days of the application. Upon checking the original documents sent XX/XX/XXXX the initial application shows the date of XX/XX/XXXX. This is sufficient to clear the finding. | 03/03/2022 Remains. SPL received dated XX/XX/XXXX. Finding Remains. The Service Provider List issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. As a result, fees that the borrower could shop for were tested under 10% tolerance. The defect can be resolved by providing the SPL that was provided to the consumer within 3 business days of application.<br>03/08/2022 Remains. The SPL received date XX/XX/XXXX was not disclosed within 3 days of application dated XX/XX/XXXX.<br>03/29/2022 Cleared. Received rebuttal email. The email shows snips of the application date XX/XX/XXXX, the SPL dated XX/XX/XXXX was sent within 3 business days of the application. Upon checking the original documents sent XX/XX/XXXX the initial application shows the date of XX/XX/XXXX. This is sufficient to clear the finding. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114575 | Compliance | Compliance | Resolved | Resolved | VS1Q5S0IA2I-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | This loan failed the lender credits that cannot decrease. Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosure was delivered timely. |  | 03/28/2022 Received rebuttal email. | 03/29/2022 Cleared. Received rebuttal email. The email shows snips of the application date XX/XX/XXXX, the LE dated XX/XX/XXXX was sent within 3 days of the application. Upon checking the original documents sent XX/XX/XXXX the initial application shows the date of XX/XX/XXXX. This is sufficient to clear the finding. | 03/29/2022 Cleared. Received rebuttal email. The email shows snips of the application date XX/XX/XXXX, the LE dated XX/XX/XXXX was sent within 3 days of the application. Upon checking the original documents sent XX/XX/XXXX the initial application shows the date of XX/XX/XXXX. This is sufficient to clear the finding. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114575 | Credit | Underwriting | Resolved | Resolved | VS1Q5S0IA2I-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl R) | The file was missing a 1008 (or equivalent document). |  |  | 03/03/2022: Resolved. An Underwriting Transmittal Summary (1008) has been provided for property XXX X XXXX XX. | 03/03/2022: Resolved. An Underwriting Transmittal Summary (1008) has been provided for property XXX X XXXX XX. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114575 | Compliance | Disclosures | Resolved | Resolved | VS1Q5S0IA2I-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl R) | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure. |  | 03/28/2022 Received rebuttal email. | 03/03/2022 Remains. The initial application received shows an application date XX/XX/XXXX and included in the additional documents was Initial LE dated XX/XX/XXXX which was in the original documentation provided. There is an initial application in file showing XX/XX/XXXX. Finding Remains. The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure.<br>3/14/22 Remains. There is an initial application in file showing XX/XX/XXXX application date. Finding Remains. The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure.<br>03/29/2022 Cleared. Received rebuttal email. The email shows snips of the application date XX/XX/XXXX, the LE dated XX/XX/XXXX was sent within 3 days of the application. Upon checking the original documents sent XX/XX/XXXX the initial application shows the date of XX/XX/XXXX. This is sufficient to clear the finding.<br>| 03/03/2022 Remains. The initial application received shows an application date XX/XX/XXXX and included in the additional documents was Initial LE dated XX/XX/XXXX which was in the original documentation provided. There is an initial application in file showing XX/XX/XXXX. Finding Remains. The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure.<br>3/14/22 Remains. There is an initial application in file showing XX/XX/XXXX application date. Finding Remains. The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. If a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure.<br>03/29/2022 Cleared. Received rebuttal email. The email shows snips of the application date XX/XX/XXXX, the LE dated XX/XX/XXXX1 was sent within 3 days of the application. Upon checking the original documents sent XX/XX/XXXX2 the initial application shows the date of XX/XX/XXXX. This is sufficient to clear the finding.<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114575 | Credit | Other Disclosures | Resolved | Resolved | VS1Q5S0IA2I-QGZLW42M | Homeownership Counseling List | \* Homeownership Counseling List (Lvl R) | The Homeownership Counseling Disclosure (HOC) dated XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. The defect can be resolved by providing evidence that shows the disclosure was provided within 3-business days of application. |  | 03/28/2022 Received rebuttal email. | 03/03/2022 Remains. Homeownership Counseling List received dated XX/XX/XXXX. Finding remains. The Homeownership Counseling Disclosure (HOC) dated XX/XX/XXXX was not disclosed within 3 days of the application date, 10/12/21. The defect can be resolved by providing evidence that shows the disclosure was provided within 3-business days of application.<br>03/29/2022 Cleared. Received rebuttal email. The email shows snips of the application date XX/XX/XXXX, the Homeownership Counseling List dated XX/XX/XXXX was sent within 3 business days of the application. Upon checking the original documents sent XX/XX/XXXX the initial application shows the date of XX/XX/XXXX. This is sufficient to clear the finding. | 03/03/2022 Remains. Homeownership Counseling List received dated XX/XX/XXXX. Finding remains. The Homeownership Counseling Disclosure (HOC) dated XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. The defect can be resolved by providing evidence that shows the disclosure was provided within 3-business days of application.<br>03/29/2022 Cleared. Received rebuttal email. The email shows snips of the application date XX/XX/XXXX, the Homeownership Counseling List dated XX/XX/XXXX was sent within 3 business days of the application. Upon checking the original documents sent XX/XX/XXXX the initial application shows the date of 11/11/2021. This is sufficient to clear the finding. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114575 | Compliance | Compliance | Resolved | Resolved | VS1Q5S0IA2I-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely. |  | 03/28/2022 Received rebuttal email. | 3/8/2022 Remains. The LE dated XX/XX/XXXX is not dated within 3 business days of the application dated XX/XX/XXXX.<br>03/29/2022 Cleared. Received rebuttal email. The email shows snips of the application date XX/XX/XXXX, the LE dated XX/XX/XXXX was sent within 3 days of the application. Upon checking the original documents sent XX/XX/XXXX the initial application shows the date of XX/XX/XXXX. This is sufficient to clear the finding. | 3/8/2022 Remains. The LE dated XX/XX/XXXX is not dated within 3 business days of the application dated XX/XX/XXXX.<br>03/29/2022 Cleared. Received rebuttal email. The email shows snips of the application date XX/XX/XXXX, the LE dated XX/XX/XXXX was sent within 3 days of the application. Upon checking the original documents sent XX/XX/XXXX the initial application shows the date of XX/XX/XXXX. This is sufficient to clear the finding. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114576 | Credit | Eligibility | Resolved | Resolved | NE0KPXUU2SI-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl R) | 1008/1003 reflects base pay of $XXXX, Social Security income of $XXX and positive cash flow for the subject (4 family) of $XXXX.XX0 for total qualifying income of $XXXXX.XX Origination income is not supported. Audit income is base pay of $XXXX, social security of $XXX.XX and positive cash flow for the subject three units of $XXXX for total income of $XXXXX.XX. The loan file contains the four current leases for the subject property as well as signed Estoppel for continued tenancy for three and termination of tenancy for one unit that the borrower will reside in. The leases are all on a month-to-month basis and higher than the market rent on the subject. Per lender guidelines, proposed rental income from a 1007 may be used for qualifying on the purchase. As the leases are only month to month, the market rent from the appraisal was used per guidelines. This results in a DTI of 52.469%, which is within guideline max. | $201,006.86 (29.5 months) reserves exceed the minimum required of $136,262.20 (20 months) by $64,744.66 (9.5 months)<br> Borrower has $6,869.93 residual income after all expenses.<br> Borrower has been employed at her current job for eight years.<br>|  | 2/25/2022: resolved. Lender provided rebuttal stating guidelines state "if the lease expired and converted to month-to-month..." The lease agreement was originally month-to-month along with the estoppel certificate. | 2/25/2022: resolved. Lender provided rebuttal stating guidelines state "if the lease expired and converted to month-to-month..." The lease agreement was originally month-to-month along with the estoppel certificate. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114576 | Credit | Credit | Resolved | Resolved | NE0KPXUU2SI-5ENZSYCH | DTI/Residual income outside of guidelines (ATR) | \* DTI/Residual income outside of guidelines (ATR) (Lvl R) | 1008/1003 reflects base pay of $XXXX, Social Security income of $XXX and positive cash flow for the subject (4 family) of $XXXX.XX for total qualifying income of $XXXXX.XX. Origination income is not supported. Audit income is base pay of $XXXX0, social security of $XXX.XX and positive cash flow for the subject three units of $XXXX for total income of $XXXXX.XX. The loan file contains the four current leases for the subject property as well as signed Estoppel for continued tenancy for three and termination of tenancy for one unit that the borrower will reside in. The leases are all on a month-to-month basis and higher than the market rent on the subject. Per lender guidelines, proposed rental income from a 1007 may be used for qualifying on the purchase. As the leases are only month to month, the market rent from the appraisal was used per guidelines. This results in a DTI of 52.469%, which is within guideline max. | $201,006.86 (29.5 months) reserves exceed the minimum required of $136,262.20 (20 months) by $64,744.66 (9.5 months)<br> Borrower has $6,869.93 residual income after all expenses.<br> Borrower has been employed at her current job for eight years.<br>|  | 02/17/2022: Remains. Per the guidelines if leases are month to month documentation is required for the lesser of 2 months or the period after the lease expired. The lender rebutted stating the proof of rent cannot be obtained. Therefore, the opinion market rent must be used with a 25% vacancy factor. ($xxxx x 3 units = $xxxx x 75%= $4050/month.)<br> 2/25/2022: resolved. Lender provided rebuttal stating guidelines state "if the lease expired and converted to month-to-month..." The lease agreement was originally month-to-month along with the estoppel certificate. | 02/17/2022: Remains. Per the guidelines if leases are month to month documentation is required for the lesser of 2 months or the period after the lease expired. The lender rebutted stating the proof of rent cannot be obtained. Therefore, the opinion market rent must be used with a 25% vacancy factor. ($XXXX x 3 units = $XXXX x 75%= $XXXX/month.)<br> 2/25/2022: resolved. Lender provided rebuttal stating guidelines state "if the lease expired and converted to month-to-month..." The lease agreement was originally month-to-month along with the estoppel certificate. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114576 | Compliance | Compliance | Resolved | Resolved | NE0KPXUU2SI-95NA4ABR | TRID - SPL missing | \* TRID - SPL missing (Lvl R) | The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. |  | 02/24/2022 SPL received dated XX/XX/XXXX. | 02/25/2022 Cleared. Service Provider List received dated XX/XX/XXXX. | 02/25/2022 Cleared. Service Provider List received dated XX/XX/XXXX | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114576 | Compliance | Disclosures | Resolved | Resolved | NE0KPXUU2SI-BNMOTPNR | Disclosures | \* Homeownership Counseling List (Lvl R) | The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, XX/XX/XXXX. The defect can be resolved by providing evidence showing the document was issued to the consumer within 3 business days of application. |  | 02/24/2022 Homeownership Counseling Disclosure received dated XX/XX/XXXX. | 02/25/2022 Cleared. Homeownership Counseling Disclosure received dated XX/XX/XXXX, which is within 3 days of application.<br>| 02/25/2022 Cleared. Homeownership Counseling Disclosure received dated XX/XX/XXXX, which is within 3 days of application.<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114576 | Credit | Credit | Resolved | Resolved | NE0KPXUU2SI-F5KBXJVS | Special information booklet is Missing | \* Special information booklet is Missing (Lvl R) | The Home Loan Toolkit is missing. Per Regulation, the Home Loan Toolkit must be provided to the borrower in connection with all purchase loans. The defect may be cured by providing evidence that shows the consumer received the disclosure within 3 days of the application date, XX/XX/XXXX. |  | 02/24/2022 Received the Home Loan Toolkit sent XX/XX/XXXX. | 02/25/2022 Cleared. The Home Loan Toolkit was sent XX/XX/XXXX, which is within 3 days of the application.<br>| 02/25/2022 Cleared. The Home Loan Toolkit was sent XX/XX/XXXX, which is within 3 days of the application.<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114576 | Credit | Underwriting | Resolved | Resolved | NE0KPXUU2SI-JH48LW86 | VVOE > 10 days prior to Note date | \* VVOE > 10 days prior to Note date (Lvl R) | The loan file is missing the VVOE dated within 10-business days of the Note. |  |  | 2/12/2022: Resolved. Received WVOE dated XX/XX/XXXX. Note date XX/XX/XXXX. | 2/12/2022: Resolved. Received WVOE dated XX/XX/XXXX. Note date XX/XX/XXXX | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114576 | Compliance | Compliance | Resolved | Resolved | NE0KPXUU2SI-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl R) | The transaction funded prior to consummation. Per the CD issued XX/XX/XXXX, the transaction funded on XX/XX/XXXX; however, consummation took place on XX/XX/XXXX. The defect can be resolved by providing the true funding date. |  | 02/24/2022 PCCD received with email letter showing new disbursement date of XX/XX/XXXX. | 02/25/2022 Cleared. PCCD received with email letter showing new disbursement date of XX/XX/XXXX. This is sufficient to clear the finding. | 02/25/2022 Cleared. PCCD received with email letter showing new disbursement date of XX/XX/XXXX. This is sufficient to clear the finding. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114576 | Compliance | Disclosures | Resolved | Resolved | NE0KPXUU2SI-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl R) | A revised disclosure was not provided to the consumer within 3 business days of the rate lock date, XX/XX/XXXX. Per regulation, when there is a rate lock, the creditor must provide a revised disclosure within three business days. |  | 2/16/22: Received LE dated XX/XX/XXXX | 2/16/22: Cleared. Received LE dated XX/XX/XXXX1.<br>| 2/16/22: Cleared. Received LE dated XX/XX/XXXX<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114576 | Compliance | Compliance | Resolved | Resolved | NE0KPXUU2SI-YF1S1X5R | TRID- Initial LE timing fail | \* TRID- Initial LE timing fail (Lvl R) | The initial and/or any revised Loan Estimate is missing. As a result, a full review for compliance with timing and tolerance requirements could not be performed. The defect can be cured by providing the initial and any revised Loan Estimates that were issued to the consumer. |  | 2/16/22: Received LE dated XX/XX/XXXX | 2/16/22: Cleared. Received LE dated XX/XX/XXXX<br>| 2/16/22: Cleared. Received LE dated XX/XX/XXXX<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114577 | Credit | Doc Issue | Resolved | Resolved | NG0MPYIL2FN-6HPPLAGC | Missing proof of hazard insurance | \* Missing proof of hazard insurance (Lvl R) | Unable to verify homeowners coverage per no homeowners declarations page in file. Borrower elected to not escrow taxes and insurance. |  | 3/7/22 NewFi provided a copy of the hazard insurance | 3/7/22 Finding resolved | 3/7/22 Finding resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114579 | Credit | Credit | Resolved | Resolved | UBJL2QNHBUA-3V25W7T4 | Missing income documentation (ATR) | \* Missing income documentation (ATR) (Lvl R) | The file was missing proof of the borrower's ownership percentage of XXXXXX XXX (minimum 25% required to use the income for qualification; percentage required to calculate income). |  |  | 3/8/2022: Resolved. Received letter from attorney for ownership percentage of the LLC is 100% and 50% partner of the dealer license only | 3/8/2022: Resolved. Received letter from attorney for ownership percentage of the LLC is 100% and 50% partner of the dealer license only | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114579 | Credit | Income | Resolved | Resolved | UBJL2QNHBUA-7ZU2HIM5 | Missing sufficient employment documentation (ATR) | \* Missing sufficient employment documentation (ATR) (Lvl R) | The file was missing proof of two years self-employment. |  |  | 3/8/2022: Resolved. Received explanation from seller stating 2 year employment is not required. Reviewed guidelines, pg 36. 12- & 24-months business bank statement income do not require additional proof of current activity or proof of 2 years self-employment. | 3/8/2022: Resolved. Received explanation from seller stating 2 year employment is not required. Reviewed guidelines, pg 36. 12- & 24-months business bank statement income do not require additional proof of current activity or proof of 2 years self-employment. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114579 | Credit | Doc Issue | Resolved | Resolved | UBJL2QNHBUA-ANNTG956 | Collections, liens or judgments not paid at closin | \* Collections, liens or judgments not paid at closing (Lvl R) | The file was missing documentation the collection for $XXXX.XX (p247) was paid prior to or at closing. |  |  | 3/8/2022: Remains. Received explanation from seller stating Statute of Limitations. Per guidelines, pg 16, documentation the collection has expired under the state statute of limitations is required. The credit report DLA is 1/2018, provide documentation the collection has expired per the state statute.<br> 3/29/2022: Resolved. The borrower shows funds to pay off collection of $xxxx verified and if a payment was calculated on the balance of $xxxx at 5% = $xx, the change to the DTI would be .50. | 3/8/2022: Remains. Received explanation from seller stating Statute of Limitations. Per guidelines, pg 16, documentation the collection has expired under the state statute of limitations is required. The credit report DLA is XX/XX/XXXX, provide documentation the collection has expired per the state statute.<br> 3/29/2022: Resolved. The borrower shows funds to pay off collection of $XXXX verified and if a payment was calculated on the balance of $XXXX at 5% = $XXX.XX, the change to the DTI would be .50. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114579 | Credit | Credit | Resolved | Resolved | UBJL2QNHBUA-KN6IC5WB | Missing asset documentation (ATR) | \* Missing asset documentation (ATR) (Lvl R) | Per the final CD, the borrower brought $XXXXX.XX cash to closing. Required reserves were $43,962.60. The borrower had verified personal funds of $XXXXX.XX, which was insufficient to meet asset requirements. The borrower had $XXXXX.XX in a XXXXXX XXX business account, but the file was missing proof the borrower was the sole proprietor or at least 50% owner for the funds to be eligible for use. The borrower had $XXXXXX.XX in an XXXXXX XXXXX XXXXXX XXX business account, but the file was missing proof the borrower was the sole proprietor or at least 50% owner for the funds to be eligible for use. |  |  | 3/8/2022: Resolved. Received LOE from attorney stating borrower is 100% owner for xxxxxx xx and 50% owner of Dealer License for XXXXXX XXXXX XXXXXX. All the facest of the business, namely finances are separate. the borrower and his partner maintain separate bank accounts, inventory, accounts payable and receivable. Assets from XXXXXX XX and XXXXXX XXXXX XXXXXX XX are considered eligible assets. | 3/8/2022: Resolved. Received LOE from attorney stating borrower is 100% owner for XXXXXX XXX and 50% owner of Dealer License for XXXXXX XXXXX XXXX. All the facest of the business, namely finances are separate. the borrower and his partner maintain separate bank accounts, inventory, accounts payable and receivable. Assets from XXXXXX XX and XXXXXX XXXXX XXXXXX XXX are considered eligible assets. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114579 | Credit | Assets Insufficient | Resolved | Resolved | UBJL2QNHBUA-N0ARUTPV | Assets are not sufficient to close | \* Assets are not sufficient to close (Lvl R) | Per the final CD, the borrower brought $XXXXX.XX cash to closing. Required reserves were $43,962.60. The borrower had verified personal funds of $XXXXX.XX, which was insufficient to meet asset requirements. The borrower had $XXXXX.XX in a XXXXXX XXX business account, but the file was missing proof the borrower was the sole proprietor or at least 50% owner for the funds to be eligible for use. The borrower had $XXXXXX.XX7 in an XXXXXX XXXXXX XXXXXX business account, but the file was missing proof the borrower was the sole proprietor or at least 50% owner for the funds to be eligible for use. |  |  | 3/8/2022: Resolved. Received LOE from attorney stating borrower is 100% owner for XXXXXX XXX and 50% owner of Dealer License for XXXXXX XXXXX XXXXXX. All the facest of the business, namely finances are separate. the borrower and his partner maintain separate bank accounts, inventory, accounts payable and receivable. Assets from XXXXXX XXX and XXXXXX XXXXX XXXXXX are considered eligible assets. | 3/8/2022: Resolved. Received LOE from attorney stating borrower is 100% owner for XXXXXX XX and 50% owner of Dealer License for XXXXXX XXXXX XXXXXX. All the facest of the business, namely finances are separate. the borrower and his partner maintain separate bank accounts, inventory, accounts payable and receivable. Assets from XXXXXX XX and XXXXXX XXXXX XXXXXX are considered eligible assets. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114581 | Credit | Assets Insufficient | Resolved | Resolved | X2D5O0FMGT3-N0ARUTPV | Assets are not sufficient to close | \* Assets are not sufficient to close (Lvl R) | Per the PCCD, the borrower brought $XXXXXX.XX cash to closing. The URLA indicated gift funds were being used and there was a gift funds letter in the file, p127. However, the file was missing documentation that gift funds in the amount of $XXXXXX.XX were given to the closing agent. Missing documentation that gift funds were applied either to closing agent or on borrowers account. |  |  | 3/10/2022: Resolved. Received wire receipt of $XXXXXX.XX to the title company which is sufficient for FTC and reserves. | 3/10/2022: Resolved. Received wire receipt of $XXXXXX.XX to the title company which is sufficient for FTC and reserves. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114582 | Valuation | ValuationWaterfall | Resolved | Resolved | LTCPWKZKRZ1-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | NewFi lending guidelines dated 10/27/21 states the following: An appraisal review product is required on every loan unless a second appraisal is obtained, one of the three options below is acceptable: CDA from XXXXX XXXXXXX OR Collateral Underwriter (CU Score) less than 2.5 OR A field review or a second appraisal is also acceptable - These must be from a different company and appraiser than the first appraisal. The loan file only contained original appraisal and no CU score available with UCDP. Therefore requiring additional option from above. |  | 03-10-2022 Received CDA with corrct property address. Value supported. | 03-10-2022 Finding Remains<br> 03-10-2022 Resolved. | 03-10-2022 Finding Remains<br> 03-10-2022 Resolved. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114583 | Credit | Doc Issue | Resolved | Resolved | Z32E32I5ABA-EXRHUJ3Z | Other Required mortgage rider missing | \* Other Required mortgage rider missing (Lvl R) | The Mortgage indicates a Waiver of Borrowers Rights and Closing Attorneys Affidavit Riders are required to be executed by the borrower. The mortgage, located on page 186 did not include the required Riders. |  | 03/10/2022: The Lender provided the executed Waiver of Borrower's Rights Rider. | 2.23.2022 Finding remains. | 2.23.2022 Finding remains. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114584 | Credit | Credit | Resolved | Resolved | NBQO04H5GMZ-3V25W7T4 | Missing income documentation (ATR) | \* Missing income documentation (ATR) (Lvl R) | The lender used 2 business bank accounts for XXXXXXXXXX XX XXXX XXXX XXX to calculate the income per the 2 income worksheets p.624 and p.625. The loan program is XXXXX XXXXXX NQM 24-month bank statements. The Income Worksheet for XXX checking #XXXX p.624 shows less than 24 months with 19 months of statements, p.108 XX/XX/XXXX, p.154 XX/XX/XXXX, p.170 XX/XX/XXXX, p.128 XX/XX/XXXX, p.166 XX/XX/XXXX, p.104 XX/XX/XXXX, p.198 XX/XX/XXXX, p.192 XX/XX/XXXX, p.184 XX/XX/XXXX, p.148 XX/XX/XXXX, p.132 XX/XX/XXXX, p.176 XX/XX/XXXX, p.112 XX/XX/XXXX, p.142 XX/XX/XXXX, p.98 XX/XX/XXXX, p.124 XX/XX/XXXX, p.138 XX/XX/XXXX, p.158 XX/XX/XXXX, p.94 XX/XX/XXXX. |  |  | 3/24/2022: Resolved. File contains over 24 months bank statements. Per client the borrowers changed bank accounts - total received income is provided and calculated. | 3/24/2022: Resolved. File contains over 24 months bank statements. Per client the borrowers changed bank accounts - total received income is provided and calculated. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114584 | Credit | Credit | Resolved | Resolved | NBQO04H5GMZ-KN6IC5WB | Missing asset documentation (ATR) | \* Missing asset documentation (ATR) (Lvl R) | The subject loan requires 12-months of reserves due to the LTV being more than 85% per the Guidelines p.23. The borrower has verified assets of $XXXXXX.XX in bank accounts. Closing funds needed are $XXXXXX.XX and 12-months of reserves are $114,924.36, leaving the borrower short of verified funds by $XXXXX.XX. The final 1003 p.579 shows the borrower received a gift. The loan file contains a gift letter p.430 showing the gift of $XXXXXX.XX is from the borrower's fiancée, XXXXXXXX XXXXXXXX. A receipt from title p.428 shows funds of $XXXXXX.XX from the borrower and XXXXXXX XXXXXXXXX was received by the title company. The gift amount covers the funds needed for closing, which would leave the sufficient verified funds in the bank accounts to cover the reserves. However, the loan file is missing proof of the gift donor's ability to give the gift. |  |  | 3/24/2022: Resolved per FNMA guidelines proof of the donor funds being received by the closing agent is sufficient. The loan files contains a receipt for wire dated XX/XX/XXXX for $XXXXXX.XX. | 3/24/2022: Resolved per FNMA guidelines proof of the donor funds being received by the closing agent is sufficient. The loan files contains a receipt for wire dated XXX/XX/XXXX for $XXXXXX.XX | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114584 | Compliance | Compliance | Resolved | Resolved | NBQO04H5GMZ-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fee(s) on XX/XX/XXXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee. A cost to cure in the amount of $XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  | COC with date of change on XX/XX/XXXX | 3/8/2022 Cleared. The COC with date of change on XX/XX/XXXX resolved the tolerance fail. | 3/8/2022 Cleared. The COC with date of change on XX/XX/XXXX resolved the tolerance fail. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114587 | Valuation | ValuationWaterfall | Resolved | Resolved | HSQQSD30SX4-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | Missing third party valuation to support the appraisal value within 10% variance. FNMA UCDP CU risk score 2.7. |  |  | 3/17/2022: Remains. Received 1004D for the subject property<br> 3/23/2022: Remains. received FNMA UCDP | 3/17/2022: Remains. Received 1004D for the subject property<br> 3/23/2022: Remains. received FNMA UCDP | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114590 | Credit | Credit | Resolved | Resolved | S4B3ELBNVMD-MSWDDK7Q | Income Worksheet | \* Income Worksheet (Lvl R) | The loan file is missing the lender income worksheet. |  |  | 3/15/2022: Resolved. Received the lender income worksheet | 3/15/2022: Resolved. Received the lender income worksheet | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114591 | Credit | Credit | Resolved | Resolved | RGSCTZLKEU5-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The final 1003 p.323 shows the borrower is renting at the current primary home for $XXXX a month. Section 5 #A of the 1003 p.327 says the borrower has had ownership interest in another property in the last three years. The loan file contains an Exception for FICO for FTHB p.652 and an 18-month rental payment history p.232. Section 5 #A of the 1003 may need to be corrected as it appears the borrower is a First Time Homebuyer. |  |  | 3/16/2022: Resolved. Received revised page 5 of 8 of the 1003 removing the ownership interest in another property in the last three years for the loan | 3/16/2022: Resolved. Received revised page 5 of 8 of the 1003 removing the ownership interest in another property in the last three years for the loan | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114591 | Credit | Credit | Resolved | Resolved | RGSCTZLKEU5-HZ5671LK | Missing Doc | \* Missing Doc (Lvl R) | The Note p.335, Mortgage p.311, CD p.306, final 1003 p.323 are all signed for the borrower, XXXXXXX XXXXXX, by XXXXXXX XXXX-XXXXXX with a POA. The loan file is missing the POA for this transaction. |  |  | 2/25/2022: Resolved. Received POA for this transaction | 2/25/2022: Resolved. Received POA for this transaction | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114591 | Compliance | Compliance | Active | 2: Acceptable with Warnings | RGSCTZLKEU5-J2R9T18H | ComplianceEase Exceptions Test Failed #2 | \* ComplianceEase Exceptions Test Failed #2 (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |  |  | Validated | HPML classification is an informational finding, not a regulatory violation.  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114591 | Credit | Credit | Active | 2: Acceptable with Warnings | RGSCTZLKEU5-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl 2) | The 1008 p.653 has an underwriter comment that there is an Exception for FICO for First Time Homebuyer (FTHB) and the loan file contains the Exception for FICO for FTHB p.652. The Guidelines p.12 show a First Time Homebuyer requires a FICO of at least 680. Per the credit report p.218, the borrower's FICO is 675. | DTI is 3.62% vs 45% for program<br> Borrower has over $141,000 monthly in residual income<br> Borrower contributions at closing exceeds guidelines by 5% |  |  |  | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114591 | Credit | Credit | Resolved | Resolved | RGSCTZLKEU5-NUWHQML7 | Credit history inadequate/does not meet g/l (ATR) | \* Credit history insufficient/does not meet guidelines (ATR) (Lvl R) | Per the final 1003 p.323, the borrower rents at the current primary home at XXXX X XXXXXXXXXX XX, XXXXX XXXXXXXX, GA. The Guidelines page 15 states rental history can be documented with a VOR completed by a professional management company or if the landlord is a private party, 12-months of bank statements or canceled checks AND the rental agreement to verify the payment amount and due date. The loan file is missing the rental lease for XXXX X XXXXXXXXXX XX, XXXXX XXXXXXXX, GA to verify the monthly rent amount of $XXXXX. |  | 03-29-2021 Received from lender copy of lease. | 3/14/2022: Remains. The guidelines require a copy of the lease and the verification of 12 months canceled checks for rental history. The loan file contains 12 months XXXXX payments of $XXXX monthly along with a letter from the individual who owns the home. The items received show part of an agreement for the home rental/purchase; however the full contract is not in the loan file as indicated.<br> 3/16/2022: Remains. Received guidelines and statement however the full contract was not provided.<br> 03-29-2022 Resolved | 3/14/2022: Remains. The guidelines require a copy of the lease and the verification of 12 months canceled checks for rental history. The loan file contains 12 months XXXXX payments of $XXXX monthly along with a letter from the individual who owns the home. The items received show part of an agreement for the home rental/purchase; however the full contract is not in the loan file as indicated.<br> 3/16/2022: Remains. Received guidelines and statement however the full contract was not provided.<br> 03-29-2022 Resolved | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114592 | Credit | Guidelines | Active | 2: Acceptable with Warnings | 5RX0POTHIJH-6AYWZTAE | Loan does not conform to program guidelines | \* Loan does not conform to program guidelines (Lvl 2) | Borrower contributed only 5% of funds. Guidelines require 10% contribution by borrower. Lender approved exception. |  |  |  |  | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114593 | Credit | Credit | Resolved | Resolved | DF0MXQHREBF-3V25W7T4 | Missing income documentation (ATR) | \* Missing income documentation (ATR) (Lvl R) | The file was improperly underwritten to the 1099 documentation requirements (guidelines, p25), but the borrower was not a former W2 employee who transitioned to a 1099 position. XXXXXXXXXXX is a health products company that sells its products through independent contractors. Per CPA letter (p397) and borrower's LOE (p396), the borrower was self-employed under her business name, XXXXX & XXXXXXXXXX XXX., and used that business to distribute XXXXXXXXXXX products. XXXXXXXXXX issued 1099-NECs to the borrower's company, not the borrower, which further supports she should have been underwritten under full SE documentation. The file was missing the most recent two years' 1040s, and a borrower prepared YTD P&L. Additionally, business checking account statements for the most recent two months need to support the P&L sales figures and 1040 income figures. |  |  | 3/4/2022: Resolved. Received rebuttal. Loan to be underwritten to 1099 Program per guidelines page 42. | 3/4/2022: Resolved. Received rebuttal. Loan to be underwritten to 1099 Program per guidelines page 42. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114593 | Compliance | Compliance | Resolved | Resolved | DF0MXQHREBF-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl R) | A revised disclosure was not provided to the consumer within 3 business days of the rate lock date, XX/XX/XXXX. Per regulation, when there is a rate lock, the creditor must provide a revised disclosure within three business days. |  | 2/24/22: Received XX/XX/XXXX LE | 2/24/22: Cleared. Received XX/XX/XXXX LE<br>| 2/24/22: Cleared. Received XX/XX/XXXX LE<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114595 | Credit | Credit | Resolved | Resolved | JWYUNVHYX3A-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | Per underwriter notes on the 1008 p.400, the borrower is refinancing the subject which is his current primary home to get cash out to purchase a new primary home. The final 1003 p.325 lists an investment property at XXXX XXXXXXXX XX, XXXX XXXXXX, FL with XXXXX XXXXXXX listed as the mortgage company and the note that it is a new loan. The loan file is missing documentation verifying XXXX XXXXXXXX XX, XXXX XXXXX, FL is the property the borrower is purchasing as the new primary home. If XXXX XXXXXXXX XX, XXXX XXXXX, FL will not be the new primary home, the file is missing documentation for the PITIA for this property. |  |  | 2/25/2022: resolved. Lender provided the CD for XXXX XXXXXXXX XX | 2/25/2022: resolved. Lender provided the CD for XXXX XXXXXXXX XX | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114595 | Credit | Credit | Resolved | Resolved | JWYUNVHYX3A-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl R) | The subject loan is a refinance of the borrower's current primary home at XXXX XXXXXXX XX,XXXXXXX XXXXX, FL which will become an investment property. Per underwriter notes on the 1008 p.400, the borrower is refinancing the subject to get cash out to purchase a new primary home. The subject will become an investment property. Section 5 Declaration of the final 1003 p.327 is marked Yes, the borrower will occupy the property as the primary home. The loan file is missing the corrected Section 5 Declaration page marked No to the borrower will occupy the property as the primary home. |  |  | 3/10/2022: Resolved. Received the signed corrected Section 5 Declaration page marked No to the borrower will occupy the property as the primary home. | 3/10/2022: Resolved. Received the signed corrected Section 5 Declaration page marked No to the borrower will occupy the property as the primary home. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114597 | Credit | Credit | Resolved | Resolved | TDJBGWTSH3Y-3V25W7T4 | Missing income documentation (ATR) | \* Missing income documentation (ATR) (Lvl R) | The final 1003 p.443 shows the borrowers are retaining the current primary home at XXXX XXXXXX XX, XXXXXX, FL as an investment property. Rental income is being used for this property. Guideline p.15 states 3 items are required when rent income is being used form a retained current residence: Copy of the lease, proof of receipt of deposit or first month's rent, and evidence the rent is near market, either a 1007 or other underwriter or loan officer obtained confirmation of market rent. The loan file is missing the evidence the rent is near market. Compensating factors are: 743 Representative credit score exceeds the minimum required credit score of 660 by 83 Points, $67,671.30 reserves exceed the minimum required of $XXXXX.XX exceeds the minimum by 14 months over the required minimum, and Borrower has $XXXX.XX residual income after all expenses. | High Credit Score<br>High Asset Reserves<br>High Residual Income |  | 3/4/2022: Resolved. Received Rent Zestimate supporting market rent $XXXX. | 3/4/2022: Resolved. Received Rent Zestimate supporting market rent $XXXX. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114597 | Credit | Guidelines | Resolved | Resolved | TDJBGWTSH3Y-JLS636HP | Income documentation does not meet guidelines | \* Income documentation does not meet guidelines (Lvl R) | The final 1003 p.443 shows the borrowers are using rental income from an investment property at XXXX XXXXXXX XX, XXXXXX, FL. The loan file contains a copy of the $XXXX rent check p.265 and the lease p.627. Guidelines p.29 state rental income from other properties must be documented with the borrower's most recent signed federal income tax return that includes Schedule E. The loan file is missing the most recent signed federal income tax return that includes Schedule E. Compensating factors are: 743 Representative credit score exceeds the minimum required credit score of 660 by 83 Points, $67,671.30 reserves exceed the minimum required of $XXXXX.XX exceeds the minimum by 14 months over the required minimum, and Borrower has $XXXX.XX6 residual income after all expenses. | High Credit Score<br>High Asset Reserves<br>High Residual Income |  | 3/4/2022: Resolved. Previous guideline requirement stating tax returns is for full doc loans. This loan is a business bank statement loan. Per guidelines, pg 41. Rental income with bank statement loans, Rental income to be verified with a copy of the lease, and 2 months of proof of the receipt of rental income deposited to a separate bank account (rental deposits to the business bank statement used in the business income analysis are not eligible), and 75% of the monthly rental income can be used to offset the PITI of the rental property. The loan file has the lease, copies of 2 months checks deposited in to the borrower personal account (XXX rent was reduced $XXX for garage drywall and paint per the borrower LOE), and used 75% of lease rent ($XXXX\*75%= $XXXX). | 3/4/2022: Resolved. Previous guideline requirement stating tax returns is for full doc loans. This loan is a business bank statement loan. Per guidelines, pg 41. Rental income with bank statement loans, Rental income to be verified with a copy of the lease, and 2 months of proof of the receipt of rental income deposited to a separate bank account (rental deposits to the business bank statement used in the business income analysis are not eligible), and 75% of the monthly rental income can be used to offset the PITI of the rental property. The loan file has the lease, copies of 2 months checks deposited in to the borrower personal account (XXX rent was reduced $XXX for garage drywall and paint per the borrower LOE), and used 75% of lease rent ($XXXX\*75%= $XXXX). | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114597 | Valuation | Doc Issue | Resolved | Resolved | TDJBGWTSH3Y-OR5FH5OU | Appraisal incomplete (missing map, layout, pages, | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | The appraisal p.31 shows the subject is not in a flood area; however, it also shows the flood zone as AE. The subject is located on a canal next to the XXXX XXXXX. The Flood Cert p.361 shows the flood zone as AE which requires flood insurance. The loan file is missing a correction to the appraisal showing the subject is in a flood area. Compensating factors are: 743 Representative credit score exceeds the minimum required credit score of 660 by 83 Points, $67,671.30 reserves exceed the minimum required of $XXXXX.XX exceeds the minimum by 14 months over the required minimum, and Borrower has $XXXX.XX residual income after all expenses. | High Credit Score<br>High Asset Reserves<br>High Residual Income |  | 3/4/2022: Remains. Received appraisal indicating Flood Zone AE but the FEMA Special Flood Hazard Area indicates "No". Per the addendum, the appraiser states the flood map could not be changed as the appraiser's source indicates X. Need the appraisal to be corrected to show FEMA Special Flood Hazard Area is "Yes".<br> 3/10/2022: Resolved. Received the appraisal to be corrected to show FEMA Special Flood Hazard Area is "Yes". | 3/4/2022: Remains. Received appraisal indicating Flood Zone AE but the FEMA Special Flood Hazard Area indicates "No". Per the addendum, the appraiser states the flood map could not be changed as the appraiser's source indicates X. Need the appraisal to be corrected to show FEMA Special Flood Hazard Area is "Yes".<br> 3/10/2022: Resolved. Received the appraisal to be corrected to show FEMA Special Flood Hazard Area is "Yes". | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114599 | Compliance | Compliance | Resolved | Resolved | YREDFRCXTJS-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl R) | A revised disclosure was not provided to the consumer within 3 business days of the rate lock date, XX/XX/XXXX. Per regulation, when there is a rate lock, the creditor must provide a revised disclosure within three business days. |  | 03/14/2022 Received COC, FL Lock Agreement, E-consent and Package Status Certificate. | 3/9/22: Remains. Received XX/XX/XXXX COC, XX/XX/XXXX CD,EConsent, and tracking disclosure. A revised disclosure was not provided to the consumer within 3 business days of the rate lock date, XX/XX/XXXX. Per regulation, when there is a rate lock, the creditor must provide a revised disclosure within three business days.<br>03/15/2022 Cleared. Received LE dated XX/XX/XXXX, COC with change date XX/XX/XXXX for rate locked, FL Lock Agreement with rate locked XX/XX/XXXX, E-consent XX/XX/XXXX and Package Status Certificate for XX/XX/XXXX confirmation of documents received. The LE dated XX/XX/XXXX shows the rate was locked and was provided within three business days. This is sufficient to clear the finding.<br>| 3/9/22: Remains. Received 1/6/22 COC, XX/XX/XXXX CD,EConsent, and tracking disclosure. A revised disclosure was not provided to the consumer within 3 business days of the rate lock date, XX/XX/XXXX. Per regulation, when there is a rate lock, the creditor must provide a revised disclosure within three business days.<br>03/15/2022 Cleared. Received LE dated XX/XX/XXXX, COC with change date XX/XX/XXXX for rate locked, FL Lock Agreement with rate locked XX/XX/XXXX, E-consent XX/XX/XXXX and Package Status Certificate for XX/XX/XXXX confirmation of documents received. The LE dated XX/XX/XXXX shows the rate was locked and was provided within three business days. This is sufficient to clear the finding.<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114600 | Credit | Guidelines | Active | 2: Acceptable with Warnings | SFVVXCQVOWH-JLS636HP | Income documentation does not meet guidelines | \* Income documentation does not meet guidelines (Lvl 2) | Per lender guidelines, if there are 0 occurrences in the most recent three months, then five occurrences are allowed for NSF's. The most recent three months of the borrower's business statements have 0 occurrences; however, in the last 12 months there are six occurrences, which exceeds guidelines. It is to be noted, the file contains an unsigned exception approval for the number of NSF over 5 (p.662). | XX LTV is below the maximum 70% LTV by X%.<br> DTI of 34.448% is 15.552% below maximum DTI of 50%.<br> 637 Representative credit score exceeds the minimum required credit score of 600 by 37 Points.<br> Borrower has $7,206.09 residual income after all expenses.<br>|  | 3/4/2022: Received signed approved exception to allow >5 NSF. Compensating factors noted. | 3/4/2022: Received signed approved exception to allow >5 NSF. Compensating factors noted. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114601 | Compliance | Disclosures | Resolved | Resolved | XMFF3HDIWY1-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl R) | A revised disclosure was not provided to the consumer within 3 business days of the rate lock date, XX/XX/XXXX. Per regulation, when there is a rate lock, the creditor must provide a revised disclosure within three business days. |  | 12/3/21: Received XX/XX/XXXX LE | 12/3/21: Cleared. Received XX/XX/XXXX LE.<br>| 12/3/21: Cleared. Received XX/XX/XXXX LE.<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114601 | Credit | Credit Worthiness | Resolved | Resolved | XMFF3HDIWY1-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl R) | The final 1003 p.394 shows the borrower are renting their current primary home with zero dollars in the rent amount. The loan file is missing a rent-free letter. | 740 Representative credit score exceeds the minimum required credit score of 680 by 60 Points.<br> Borrowers have $5,786.03 residual income after all expenses. |  | 3/4/2022: Resolved. Received VOR. Rent is $XXXX per month and account is 0x30 since XX/XX/XXXX, VOR is dated XX/XX/XXXX. | 3/4/2022: Resolved. Received VOR. Rent is $XXXX per month and account is 0x30 since XX/XX/XXXX, VOR is dated XX/XX/XXXX | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114601 | Compliance | Compliance | Resolved | Resolved | XMFF3HDIWY1-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees was not accepted because the change was not disclosed within 3-business days: Points - Loan Discount Fee. The change occurred on XX/XX/XXXX; however, the disclosure was not issued until XX/XX/XXXX. A cost to cure in the amount of $XXXX.XX is required. The defect can be cured by reimbursing the consumer or providing evidence that the change was disclosed within 3-business days. If curing with a reimbursement, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  | 3/1/22: Received XX/XX/XXXX LE and COC | 3/1/22: Cleared. Received XX/XX/XXXX LE and COC justifying the points increase due to rate lock.<br>| 3/1/22: Cleared. Received XX/XX/XXXX LE and COC justifying the points increase due to rate lock.<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114602 | Credit | Credit | Resolved | Resolved | OMDDPHKU1RJ-NUWHQML7 | Credit history inadequate/does not meet g/l (ATR) | \* Credit history insufficient/does not meet guidelines (ATR) (Lvl R) | The credit report reflected two consumer accounts were in a consumer credit counseling service at the time of the loan application - XXXXX/XXX #XXXX (p201) and XXXXX/XXXX #XXXXXX (p203) - and the latter did not appear to meet guideline requirements. Specifically, the file was missing a CCCS administrator letter (XXXX/XXXX #XXXXX was not included in the letter for the other debt, p225) AND the credit report indicated payments for the most recent 12 months were not timely (9x60 days later). | No compensating factors. |  | 3/4/2022: Remains. Received letter from XXXX stating payments were made on time since XX/XX/XXXX and XXXXXXX #XXXXX was removed due to paying off the account directly. Received Client Payment Summary that starts in XX/XX/XXXX but the XXXX letter states XX/XX/XXXX, need to verify when XXXX started. In addition, the Client Payment Summary does not state who it is from, shows co-mingled payments for XXXX mixed in with the XXXX and XXXX payments, and does not show payments were made for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.<br> 3/17/2022: Resolved. In addition to the payment schedule a letter from the XXX shows all payments have been made timely since XX/XX/XXXX, the letter is dated XX/XX/XXXX. | 3/4/2022: Remains. Received letter from XXXX stating payments were made on time since XX/XX/XXXX and XXXXXX #XXXXXX was removed due to paying off the account directly. Received Client Payment Summary that starts in XX/XX/XXXX but the XXXX letter states XX/XX/XXXX, need to verify when XXXX started. In addition, the Client Payment Summary does not state who it is from, shows co-mingled payments for XXXX mixed in with the XXXX and XXXX payments, and does not show payments were made for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.<br> 3/17/2022: Resolved. In addition to the payment schedule a letter from the cCS shows all payments have been made timely since XX/XX/XXXX, the letter is dated XX/XX/XXXX. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114603 | Credit | Credit | Resolved | Resolved | EBKGRG23MM0-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The final 1003 Section 5 Declarations p.342 and p.343 show the borrower and co-borrower are both co-signers or guarantors on a debt or loan that is not disclosed on the application. The Letter of Explanation from the co-borrower p.379 states that this question was marked yes by mistake. The loan file is missing wither the documentation for the debt the borrower is responsible for OR a Letter of Explanation from the borrower stating that this question was marked yes by mistake. |  |  | 3/15/2022: Remains. Received Letter of Explanation from the co-borrower states that this question was marked yes by mistake.<br> 3/29/2022: Resolved. Received update 1003 with declaration as no | 3/15/2022: Remains. Received Letter of Explanation from the co-borrower states that this question was marked yes by mistake.<br> 3/29/2022: Resolved. Received update 1003 with declaration as no | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114603 | Credit | Credit | Resolved | Resolved | EBKGRG23MM0-3V25W7T4 | Missing income documentation (ATR) | \* Missing income documentation (ATR) (Lvl R) | The final 1003 p.340 shows rental income of $XXXX being used for the investment property at XXXX XXXXX XXX XXXX, XXXXXX XXXX, FL. Guidelines p.29 state rental income from other properties must be documented with the borrower's most recent signed federal income tax return that includes Schedule E. Lease are required for all properties where rental income is being used to qualify. The loan file is missing the most recent signed federal income tax return that includes Schedule E AND the lease for XXXX XXXXX XXX XXXX, XXXXXX XXXX, FL. |  |  | 3/15/2022: Remains. Received guidelines for rental income and business ownership for bank statement loan. Received operating agreement with 50% ownership for both borrowers. Lease AND 2 months proof of receipt of rents WITH 75% of income to be used. Lease and 2 months proof of receipt of rents were not received.<br> 3/29/2022: Resolved. Bank Statements show XXXXXX deposits that support income being used to qualify loan at $XXX. monthly.<br>| 3/15/2022: Remains. Received guidelines for rental income and business ownership for bank statement loan. Received operating agreement with 50% ownership for both borrowers. Lease AND 2 months proof of receipt of rents WITH 75% of income to be used. Lease and 2 months proof of receipt of rents were not received.<br> 3/29/2022: Resolved. Bank Statements show XXXXXX deposits that support income being used to qualify loan at $XXX. monthly.<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114603 | Compliance | Compliance | Resolved | Resolved | EBKGRG23MM0-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) The decrease to the lender credit on disclosure issued XX/XX/XXXX was not accepted because the change occurred on XX/XX/XXXX. The consumer was not provided the disclosure within 3 days of the change. A cost to cure in the amount of $XXXX.XX is required. The defect can be cured by reimbursing the consumer or providing evidence that shows the change was disclosed within 3-business days of the change or If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  | 03/02/2022 COC received with change date XX/XX/XXXX, along with a revised LE dated XX/XX/XXXX, and FL Lock-In Agreement. | 03/03/2022 Cleared. COC received with change date XX/XX/XXXX. The COC provided shows lender credits were removed due to rate lock and interest rate change. This is sufficient to clear the finding. | 03/03/2022 Cleared. COC received with change date XX/XX/XXXX. The COC provided shows lender credits were removed due to rate lock and interest rate change. This is sufficient to clear the finding. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114603 | Credit | Guidelines | Resolved | Resolved | EBKGRG23MM0-JLS636HP | Income documentation does not meet guidelines | \* Income documentation does not meet guidelines (Lvl R) | The loan file is missing the CPA letter reflecting the ownership percentage of each borrower in the business, Your Real Estate Solution, LLC. |  |  | 3/15/2022: Resolved. Received operating agreement with 50% ownership for both borrowers. | 3/15/2022: Resolved. Received operating agreement with 50% ownership for both borrowers. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114603 | Compliance | Disclosures | Resolved | Resolved | EBKGRG23MM0-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl R) | A revised disclosure was not provided to the consumer within 3 business days of the rate lock date, XX/XX/XXXX. Per regulation, when there is a rate lock, the creditor must provide a revised disclosure within three business days. |  | 03/02/2022 The revised LE dated XX/XX/XXXX was received. | 03/03/2022 Cleared. The revised LE dated XX/XX/XXXX was received within 3 business days of rate lock XX/XX/XXXX. This is sufficient to clear the finding.<br>| 03/03/2022 Cleared. The revised LE dated XX/XX/XXXX was received within 3 business days of rate lock XX/XX/XXXX. This is sufficient to clear the finding.<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114603 | Compliance | Compliance | Resolved | Resolved | EBKGRG23MM0-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees was not accepted because the change was not disclosed within 3-business days: Points. The change occurred on XX/XX/XXXX; however, the disclosure was not issued until XX/XX/XXXX. A cost to cure in the amount of $XXXX.XX is required. The defect can be cured by reimbursing the consumer or providing evidence that the change was disclosed within 3-business days. If curing with a reimbursement, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  | 03/02/2022 COC received with change date XX/XX/XXXX, along with a revised LE dated XX/XX/XXXX, and FL Lock-In Agreement. | 03/03/2022 Cleared. COC received with change date XX/XX/XXXX, along with a revised LE dated XX/XX/XXXX and FL Lock-In Agreement. The COC provided shows points were added due to rate lock and interest rate change. The revised LE dated XX/XX/XXXX was added to the testing. The FL rate lock shows rate was locked XX/XX/XXXX. This is sufficient to clear the finding. | 03/03/2022 Cleared. COC received with change date XX/XX/XXXX, along with a revised LE dated XX/XX/XXXX and FL Lock-In Agreement. The COC provided shows points were added due to rate lock and interest rate change. The revised LE dated XX/XX/XXXX was added to the testing. The FL rate lock shows rate was locked XX/XX/XXXX. This is sufficient to clear the finding. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114604 | Credit | Eligibility | Active | 2: Acceptable with Warnings | AWTTTFC1C43-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl 2) | The approved file DTI was 48.611% (Audit had 47.071%). The maximum DTI for a XXXX was 45.00% and te file contained an exception (p574,) for the DTI exceeding the program maximum. The exception was dated XX/XX/XXXX with one compensating factor of reserves exceeding guideline requirements. | High Asset Reserves |  |  |  | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114604 | Credit | Credit | Active | 2: Acceptable with Warnings | AWTTTFC1C43-5ENZSYCH | DTI/Residual income outside of guidelines (ATR) | \* DTI/Residual income outside of guidelines (ATR) (Lvl 2) | The approved file DTI was 48.611% (Audit had 47.071%). The maximum DTI for a XXXX was 45.00% and te file contained an exception (p574,) for the DTI exceeding the program maximum. The exception was dated XX/XX/XXXX with one compensating factor of reserves exceeding guideline requirements. | High Asset Reserves |  |  |  | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114605 | Credit | Credit | Resolved | Resolved | NTBQE124RWP-3V25W7T4 | Missing income documentation (ATR) | \* Missing income documentation (ATR) (Lvl R) | The origination underwriter used monthly income of $XXXXX for the borrower. It appears that the 10% expense factor from the CPA letter p.392 was used to calculate the income. The Guidelines p.38 and p.39 show that if something other than the standard 50% expense factor is being used, Option 2 can be used to determine the income. This states that a 10% expense factor can be used with 12 months of business bank statements AND an expense statement specifying business expenses (minimum expense ration is 10%) as a percent of the gross annual sales/revenue, prepared and signed by either a CPA/accountant, IRS Enrolled Agent, or tax preparer. Using the 50% expense factor results in monthly income of $XXXX.XX which is a DTI of 70%. The loan file is missing the expense statement described in Option 2. Compensating factors are: High Credit Score of 785 and High Residual Income of $XXXX.XX/month. | High Credit Score<br>High Residual Income |  | 2/12/2022: Resolved. Received letter from registered tax preparer confirming expenses are 10%, also received tax preparer certificate. | 2/12/2022: Resolved. Received letter from registered tax preparer confirming expenses are 10%, also received tax preparer certificate. | Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114605 | Compliance | Compliance | Resolved | Resolved | NTBQE124RWP-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl R) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f)(1)(ii))The initial CD is missing from the loan file. The only CD provided was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, the E-consent is required as well. |  | 2/16/22: Received CD dated XX/XX/XXXX | 2/16/22: Cleared. Received CD dated XX/XX/XXXX<br>| 2/16/22: Cleared. Received CD dated XX/XX/XXXX<br>| Validated | Adequate explanatory notes are included in commentary resolving the condition. |
| XXXXXX | XXXXXX | XXXXXX | 54920251114608 | Credit | Guidelines | Active | 2: Acceptable with Warnings | BFBTTS2VHP1-JLS636HP | Income documentation does not meet guidelines | \* Income documentation does not meet guidelines (Lvl 2) | 1008/1003 reflected qualifying combined SE and wage income of XXXX.XX for the borrower. Audit income was wage income of $XXXX.XX (overtime not included) and 1099 income of $XXXX.XX, for total audit income of $XXXX.XX. Origination income was not supported. The file contained an Exception Form, p562, to allow the underwriter to combine 24 months of 1099 and wage income for qualification. However, the borrower only had a history of receiving overtime pay from her wage employment for less than 12 months (guidelines required 24 months history) and the exception did not include the use of overtime income in the qualifying calculations. DTI with corrected income still within guidelines. | DTI less than guideline requirements by 5% or more. |  |  |  | Validated | Adequate explanatory notes are included in commentary resolving the condition. |

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## Exhibit 99.4

#### Supplemental Data

#### Run Date - 4/14/2022

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| **Recovco Loan ID** | **Loan #1** | **Loan #2** | **Alt Loan ID** | **Loan #3** | **TILA Status** | **Application Date** | **TRID** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Qualifying Rate** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **B1 Citizenship Type** | **B2 Citizenship Type** | **Residual Income** | **HOA Name** | **Fee Amount** | **QM DTI** | **Asset Depletion Flag** | **Bank Statements Flag** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Expense Ratio (Bank Statements)** | **Profit and Loss Flag** | **Income Doc Detail** | **Document Level** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Most Recent Deed in Lieu Date** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Months Foreclosure** | **Mortgage & Rental History 1x30** | **Mortgage & Rental History 1x60** | **Mortgage & Rental History 1x90** | **Guideline Name** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **DSCR** | **Property Type** | **Number of Units** |
| XXXXXX | XXXXXX | XXXXXX | 54920251114223 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 3.875% | Employed | Unemployed | US Citizen | US Citizen | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Personal |  | No | 12 mth Personal Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines -3.2.21 | $7115.00 | XX/XX/XXXX |  | $1602.56 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114029 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.625% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.291% | 3 Family | 3 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114030 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | Permanent Res Alien |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.167% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114031 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender Noni Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.545% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114032 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.603% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114033 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.000% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.093% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114034 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 3.875% | Employed |  | Permanent Res Alien |  | $XXXXXXX |  | $XXXXXXX |  | No | No |  |  |  | No | YTD XXXX Paystub, XXXX, XXXX YTD XXXX WVOE, XXXX and XXXX W2 | Full Documentation |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines | $10058.60 | XX/XX/XXXX |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 |  | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114035 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.250% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | The Lender NONI |  |  |  | $0.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 | 1.132% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114036 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | The Lender NONI Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.775% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114037 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 3.500% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX | 18.310% | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  | Non-QHEM Underwriting Guidelines | $1995.00 | XX/XX/XXXX |  | $2184.56 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114038 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen | US Citizen |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 3.15.21 |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.427% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114039 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 3.875% | Employed | Employed | US Citizen | US Citizen | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Personal | 25.00% | No | 12 mth Personal Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | Non-QHEM Underwriting Guidelines -3.2.21 | $11239.80 | XX/XX/XXXX |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114040 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.318% | 3 Family | 3 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114041 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 1 | 1 | 0 | NONI DSCR Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.035% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114042 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni DSCR |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.002% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114043 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  | XX/XX/XXXX |  | 4.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  | XX/XX/XXXX |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.132% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114044 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.493% | 3 Family | 3 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114045 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.000% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni DSCR |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 0.927% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114046 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.000% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 3.15.21 |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.707% | 4 Family | 4 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114047 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.625% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.249% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114048 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.990% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 | 3 | No |  | 0 | 0 | 0 | 0 | 0 | 1.160% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114049 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI DSCR Guidelines |  |  |  | $0.00 | 1.6 | No |  | 0 | 0 | 0 | 0 | 0 | 1.371% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114050 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  | XX/XX/XXXX |  | 4.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines 9.1.2021 |  | XX/XX/XXXX |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.297% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114051 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI DSCR Guidelines |  |  |  | $0.00 | 1.8 | No |  | 0 | 0 | 0 | 0 | 0 | 1.268% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114052 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni Guidelines 10.25.2021 |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.937% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114053 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | The Lender NONI Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.615% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114054 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni Guidelines 10/25/2021 |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.943% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114055 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni Guidelines |  |  |  | $0.00 | 2.2 | No |  | 0 | 0 | 0 | 0 | 0 | 1.944% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114056 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.943% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114057 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni Guidelines 10.25.2021 |  |  |  | $0.00 | 2.2 | No |  | 0 | 0 | 0 | 0 | 0 | 1.944% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114058 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 1 | 1 | 0 | Noni Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.150% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114059 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR | XXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender Noni Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.170% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114060 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | DSCR |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.623% | 4 Family | 4 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114061 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $318.75 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 | 1.431% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114062 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.263% | 4 Family | 4 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114063 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI DSCR Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.812% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114064 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 1.3 | No |  | 0 | 0 | 0 | 0 | 0 | 1.391% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114065 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.967% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114066 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.750% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Personal | 20.00% | No | 12 mth Personal Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QM Underwriting Guidelines | $6016.88 | XX/XX/XXXX |  | $9134.49 | 1.3 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114067 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.000% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI DSCR Guidelines |  |  |  | $0.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 | 1.282% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114068 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.489% | 3 Family | 3 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114069 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.120% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114070 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.948% | 4 Family | 4 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114071 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.948% | 4 Family | 4 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114072 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 3.875% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX | 55.786% | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines -3.2.21 | $16953.00 | XX/XX/XXXX |  | $0.00 | 1.7 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114073 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | DSCR |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.348% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114074 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni DSCR |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.225% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114075 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.115% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.407% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114076 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guiudelines 10.25.2021 |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.615% | 4 Family | 4 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114077 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.990% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.264% | 4 Family | 4 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114078 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.125% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements | XXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | Non-QHEM Underwriting Guidelines -3.2.21 | $7594.29 | XX/XX/XXXX |  | $6099.29 | 1.8 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114079 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.875% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Personal | 25.00% | No | 12 mth Personal Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines | $4384.86 | XX/XX/XXXX |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114080 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $500.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 0.931% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114081 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.475% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114082 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR | XXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $0.00 | 4.6 | No |  | 0 | 0 | 0 | 0 | 0 | 0.721% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114083 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.392% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114084 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 3.750% | Retired |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | Yes | No |  |  |  | No | 7 Mnths Personal Bank Statements for Asset Qualifier verification. | Asset Qualifier |  |  |  |  |  |  |  |  |  |  |  |  |  | Non-QHEM Underwriting Guidelines | $9435.00 | XX/XX/XXXX |  | $0.00 | 2.2 | No |  | 0 | 0 | 0 | 0 | 0 | 0.000% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114085 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.625% |  |  | US Citizen | US Citizen |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $3760.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.222% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114086 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.500% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | No |  |  |  | No | YTD XXXX Paystubs, XXXX and XXXX W2, | Full Documentation | XXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | Non-QHEM Full Doc Qualifier | $4195.00 | XX/XX/XXXX |  | $2157.00 |  | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114087 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 10.25.2021 |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.070% | 3 Family | 3 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114088 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.000% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | The Lender NONI Guidelines |  |  |  | $0.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 | 1.245% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114089 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.659% | 4 Family | 4 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114090 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.605% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114091 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 | 1.2 | No |  | 0 | 0 | 0 | 0 | 0 | 2.238% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114092 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 2.086% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114093 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 | Noni Guidelines 10.25.2021 |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.717% | 4 Family | 4 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114094 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.501% | 4 Family | 4 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114095 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.625% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.010% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114096 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | NONI DSCR Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.284% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114097 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 3.750% | Employed |  | US Citizen |  |  |  | $XXXXXXX |  | Yes | No |  |  |  | No | 6 Mnths Personal Bank Statements for Asset Qualifier verification. | Asset Qualifier |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines 8/16/2021 | $10963.00 | XX/XX/XXXX |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114098 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Noni DSCR |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 0.691% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114099 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | Permanent Res Alien |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.158% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114100 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 | 2.5 | No |  | 0 | 0 | 0 | 0 | 0 | 1.189% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114101 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.990% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 24 | Business | 50.00% | No | 24 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines | $13582.50 | XX/XX/XXXX |  | $835.38 | 1.4 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114102 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.522% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114103 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  | Permanent Res Alien | US Citizen |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 | 3.3 | No |  | 0 | 0 | 0 | 0 | 0 | 1.116% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114104 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | NONI DSCR Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.059% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114105 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 | 5 | No |  | 0 | 0 | 0 | 0 | 0 | 2.427% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114106 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  |  |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.478% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114107 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.250% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.349% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114108 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.802% | 3 Family | 3 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114109 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.437% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114110 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The LEnder NONI Guidelines |  |  |  | $0.00 | 1.2 | No |  | 0 | 0 | 0 | 0 | 0 | 1.361% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114111 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.990% | Employed | Employed | Permanent Res Alien | US Citizen | $XXXXXXX |  |  |  | No | No |  |  |  | Yes | B1: SSI Letter, XXXX and XXXX Tax Transcripts, 11 month XXXX YTD P&L, XXX Personal Tax Returns<br> B2: XXXX Personal Tax Returns | Full Documentation |  |  |  |  |  |  |  |  |  |  | 6 | 5 | 10 | Non QHEM | $19995.00 | XX/XX/XXXX | 0.050% | $2637.00 | 1.1 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114112 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.125% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.006% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114113 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.250% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.018% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114114 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 3.165% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114115 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 1.7 | No |  | 0 | 0 | 0 | 0 | 0 | 1.123% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114116 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 6.875% | Employed |  | Permanent Res Alien |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 24 | Business | 50.00% | No | 24 mth Business Bk Stmts | Bank Statements | XXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines | $13470.00 | XX/XX/XXXX |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114117 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | The Lender NONI Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.487% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114118 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.375% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | No |  |  |  | No | YTD XXXX Paystubs, XXXX and XXXX W2, | Full Documentation |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 2 | Non-QHEM Underwriting Guidelines -3.2.21 | $44958.90 | XX/XX/XXXX |  | $0.00 | 2.7 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114119 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.277% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114120 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  |  |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.570% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114121 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.625% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender Noni Guidelines |  |  |  | $0.00 | 5 | No |  | 0 | 0 | 0 | 0 | 0 | 2.525% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114122 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.838% | 3 Family | 3 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114123 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 | 1.579% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114124 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI DSCR Guidelines |  |  |  | $0.00 | 4.6 | No |  | 0 | 0 | 0 | 0 | 0 | 1.247% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114125 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.899% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114126 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  |  | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender Noni |  |  |  | $0.00 | 3.1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.485% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114127 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | NONI Guidelines 10.25.2021 |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 2.022% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114128 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.125% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $225.42 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.062% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114129 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.125% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni DSCR |  |  |  | $0.00 | 1.2 | No |  | 0 | 0 | 0 | 0 | 0 | 1.737% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114130 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 6.000% | Employed |  | US Citizen |  | $XXXXXXX |  |  |  | No | Yes | 12 | Personal |  | No | 12 mth Personal Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non - QHEM Underwriting Guidelines | $8395.00 | XX/XX/XXXX |  | $0.00 | 1.5 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114131 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.625% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni Guidelines |  |  |  | $0.00 | 1.1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.102% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114132 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 3.1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.011% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114133 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.250% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 1.2 | No |  | 0 | 0 | 0 | 0 | 0 | 1.139% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114134 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.227% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114135 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni Guidelines |  |  |  | $500.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.266% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114136 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.146% | 3 Family | 3 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114137 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.188% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114138 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.250% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.532% | 3 Family | 3 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114139 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.875% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 45.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines | $9133.74 | XX/XX/XXXX |  | $0.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114140 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 3.625% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 15.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines -3.2.21 | $12445.00 | XX/XX/XXXX |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114141 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 3.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 | 1.073% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114142 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni DSCR |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.708% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114143 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR | XXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | The Lender Noni Guidelines |  |  |  | $0.00 | 3.3 | No |  | 0 | 0 | 0 | 0 | 0 | 1.305% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114144 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.004% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114145 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 | 1.236% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114146 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 1.4 | No |  | 0 | 0 | 0 | 0 | 0 | 0.734% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114147 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | The Lender NONI |  |  |  | $0.00 | 2.2 | No |  | 0 | 0 | 0 | 0 | 0 | 0.635% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114148 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 | 1.6 | No |  | 0 | 0 | 0 | 0 | 0 | 0.828% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114149 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 5 | No |  | 0 | 0 | 0 | 0 | 0 | 1.467% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114150 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 7.375% | Employed | Employed | US Citizen | US Citizen | $XXXXXXX |  | $XXXXXXX |  | No | No |  |  |  | No | B1: XXXX, XXXX YTD XXXX WVOE, XXXX, XXXX and XXXX Tax Transcripts, XXXX YTD Paystubs, XXXX and XXXX W2s<br> B2: XXXX, XXXX YTD XXXX WVOE, XXXX YTD paystubs, XXXX and XXXX W2s | Full Documentation |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines | $15797.00 | XX/XX/XXXX |  | $9627.01 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114151 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.125% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.673% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114152 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.250% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | TheLender NONI Guidelines |  |  |  | $0.00 | 1.1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.487% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114153 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.125% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.331% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114154 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  | US Citizen | US Citizen |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.863% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114155 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender Noni Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.514% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114156 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 3.375% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 24 | Personal |  | No | 24 mth Personal Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QM Bank Statement Qualifier | $11729.00 | XX/XX/XXXX |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114157 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.250% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni Guidelines 10.25.2021 |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.386% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114158 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 3.875% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.488% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114159 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.368% | 3 Family | 3 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114160 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  | XX/XX/XXXX |  | 3.375% | Employed |  | Permanent Res Alien |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines |  | XX/XX/XXXX |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114161 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.341% | 4 Family | 4 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114162 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  |  |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $300.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.252% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114163 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $0.00 | 1.5 | No |  | 0 | 0 | 0 | 0 | 0 | 1.716% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114164 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  |  |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 | 2 | No |  | 0 | 0 | 0 | 0 | 0 | 1.064% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114165 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.064% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114166 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 | 0.669% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114167 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.172% | 3 Family | 3 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114168 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.750% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines 10.25.2021 |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.084% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114169 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 | 0.898% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114170 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 | 1.3 | No |  | 0 | 0 | 0 | 0 | 0 | 0.648% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114171 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.125% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.019% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114172 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.125% |  |  | US Citizen | US Citizen |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender Noni Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.026% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114001 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.125% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 1.2 | No |  | 0 | 0 | 0 | 0 | 0 | 1.346% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114173 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen | US Citizen |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 10.25.2021 |  |  |  | $0.00 | 2.2 | No |  | 0 | 0 | 0 | 0 | 0 | 0.655% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114174 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.375% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114175 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.875% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.212% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114176 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.375% | Employed |  | Permanent Res Alien |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 | Non-QHEM Underwriting Guidelines | $16966.25 | XX/XX/XXXX |  | $538.97 | 1.3 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114177 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.256% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114178 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.625% |  |  |  |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | The Lender NONI Guidelines |  |  |  | $0.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 | 0.907% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114179 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.109% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114180 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.250% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.031% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114181 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $0.00 | 2.3 | No |  | 0 | 0 | 0 | 0 | 0 | 1.095% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114182 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR | XXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI DSCR Guidelines |  |  |  | $0.00 | 1.4 | No |  | 0 | 0 | 0 | 0 | 0 | 1.353% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114183 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines 10.25.2021 |  |  |  | $0.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 | 1.455% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114184 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 2.2 | No |  | 0 | 0 | 0 | 0 | 0 | 1.545% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114185 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | The Lender NONI Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.041% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114186 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.250% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.073% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114187 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.125% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 2.1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.306% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114188 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.625% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.918% | 4 Family | 4 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114189 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 | 1.2 | No |  | 0 | 0 | 0 | 0 | 0 | 1.123% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114002 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Loanstar The Lender NONI Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.213% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114190 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.324% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114191 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | TheLender Noni Guidelines |  |  |  | $0.00 | 2.5 | No |  | 0 | 0 | 0 | 0 | 0 | 1.148% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114192 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.477% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114193 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.792% | 4 Family | 4 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114194 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.133% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114195 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.457% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114196 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.625% |  |  | US Citizen | Permanent Res Alien |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 | 1.2 | No |  | 0 | 0 | 0 | 0 | 0 | 1.197% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114197 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.490% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR | XXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines 10.25.2021 |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.077% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114198 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni DSCR |  |  |  | $0.00 | 2.5 | No |  | 0 | 0 | 0 | 0 | 0 | 1.106% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114199 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Not Covered | Pass | XX/XX/XXXX | XX.XX% | 4.625% | Employed | Employed | US Citizen | US Citizen | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines -3.2.21 | $24146.55 | XX/XX/XXXX | 0.049% | $0.00 | 5 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114200 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 3.875% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 | 1.4 | No |  | 0 | 0 | 0 | 0 | 0 | 2.386% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114201 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.875% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | No |  |  |  | Yes | XXXX 1040. XXXX W2. WVOE XXXX. XXXX 1040. XXXX IRS TT. XXXX IRS TT. XXXX XXXX P&L. XXXX W2. | Full Documentation |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines -3.2.21 | $22413.00 | XX/XX/XXXX |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114202 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  | XXXX |  | 0 | 0 | 0 | NONI |  |  |  | $0.00 | 1.8 | No |  | 0 | 0 | 0 | 0 | 0 | 1.171% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114203 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 10.25.2021 |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.197% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114204 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen | US Citizen |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $90.40 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 0.862% | High Rise Condo (>=9 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114205 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 3.875% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 3.292% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114206 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  | Permanent Res Alien |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.078% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114207 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.338% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114208 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.176% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114209 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.311% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114210 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.990% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Personal | 35.00% | No | 12 mth Personal Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines | $7617.35 | XX/XX/XXXX |  | $0.00 | 1.3 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114211 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 3.500% | Employed | Employed | US Citizen | US Citizen | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines-3.2.21 | $27710.43 | XX/XX/XXXX |  | $0.00 | 3.9 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114212 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.222% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114213 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guideline |  |  |  | $0.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 | 1.103% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114214 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.250% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.239% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114215 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.000% |  |  |  |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $6712.50 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 2.515% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114216 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines 10.25.2021 |  |  |  | $0.00 | 3.3 | No |  | 0 | 0 | 0 | 0 | 0 | 1.051% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114217 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines |  |  |  | $0.00 | 1.1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.001% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114218 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | Permanent Res Alien |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.666% | 4 Family | 4 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114219 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 1.4 | No |  | 0 | 0 | 0 | 0 | 0 | 1.107% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114220 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 3.750% | Employed | Employed | US Citizen | US Citizen | $XXXXXXX |  | $XXXXXXX | 47.462% | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines | $10820.00 | XX/XX/XXXX |  | $0.00 | 2.1 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114221 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  | US Citizen | Permanent Res Alien |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.007% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114222 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.990% |  |  | US Citizen | US Citizen |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 3.5 | No |  | 0 | 0 | 0 | 0 | 0 | 2.113% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114224 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.000% |  |  |  |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.384% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114225 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.750% |  |  | US Citizen | US Citizen |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 | 1.2 | No |  | 0 | 0 | 0 | 0 | 0 | 0.950% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114226 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.250% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender Noni Guidelines |  |  |  | $0.00 | 2.7 | No |  | 0 | 0 | 0 | 0 | 0 | 1.124% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114227 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $0.00 | 1.2 | No |  | 0 | 0 | 0 | 0 | 0 | 1.019% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114228 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.250% |  |  | Permanent Res Alien |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 | 1.209% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114229 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 3.7 | No |  | 0 | 0 | 0 | 0 | 0 | 1.564% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114230 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.458% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114231 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.316% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114232 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.250% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | TheLender NONI Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.034% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114233 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Fail | XX/XX/XXXX | XX.XX% | 6.000% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements | XXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QM Bank Statement Qualifier | $18495.00 | XX/XX/XXXX | 6.000% | $1620.00 | 1.6 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114234 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.625% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 | 4.5 | No |  | 0 | 0 | 0 | 0 | 0 | 1.249% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114235 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 2.8 | No |  | 0 | 0 | 0 | 0 | 0 | 1.212% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114236 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 3.875% |  |  | US Citizen | US Citizen |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni DSCR |  |  |  | $0.00 | 1.1 | No |  | 0 | 0 | 0 | 0 | 0 | 2.270% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114237 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  |  |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.321% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114238 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  |  |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.112% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114239 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 | 1.532% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114003 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.541% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114240 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.479% | 3 Family | 3 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114241 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.395% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114242 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI DSCR Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.159% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114243 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 | 2.2 | No |  | 0 | 0 | 0 | 0 | 0 | 0.952% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114244 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $17400.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.026% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114245 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.490% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender Noni Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.339% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114246 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen | US Citizen |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 1.5 | No |  | 0 | 0 | 0 | 0 | 0 | 1.053% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114247 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.711% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114248 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni DSCR |  |  |  | $1000.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.332% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114249 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 3.875% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Personal and Business | 50.00% | Yes | 12 mth Comingled Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines -3.2.21 | $4494.00 | XX/XX/XXXX |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114250 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.222% | 4 Family | 4 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114251 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.512% | 3 Family | 3 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114252 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 2.8 | No |  | 0 | 0 | 0 | 0 | 0 | 1.153% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114253 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $8000.00 | 1.4 | No |  | 0 | 0 | 0 | 0 | 0 | 1.215% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114254 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni DSCR |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.587% | 4 Family | 4 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114255 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.142% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114256 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.250% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.467% | Mid Rise Condo (5-8 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114257 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $0.00 | 1.8 | No |  | 0 | 0 | 0 | 0 | 0 | 1.406% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114258 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.375% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.280% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114259 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines 10.25.2021 |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.131% | 3 Family | 3 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114260 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 3.875% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 | 4.3 | No |  | 0 | 0 | 0 | 0 | 0 | 2.425% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114261 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.490% |  |  | US Citizen | US Citizen |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.210% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114262 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.500% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Personal | 85.00% | No | 12 mths Personal Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines -3.2.21 | $2359.69 | XX/XX/XXXX |  | $4000.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | Mid Rise Condo (5-8 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114263 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 3.875% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 24 | Business | 50.00% | No | 24 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  | Non-QM Underwriting Guidelines | $13170.00 | XX/XX/XXXX |  | $567.44 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114264 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.490% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | NONI Guidelines |  |  |  | $0.00 | 5 | No |  | 0 | 0 | 0 | 0 | 0 | 1.683% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114265 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.625% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines | $11495.00 | XX/XX/XXXX |  | $3366.32 | 1.6 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114266 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | NONI DSCR Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.546% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114267 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 3.875% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | No |  |  |  | No | WVOE YTD XXXX, XXXX, XXXX. YTD Paystub.XXXX W2. XXXX W2. | Full Documentation |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Guidelines | $9237.00 | XX/XX/XXXX |  | $7242.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114268 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.030% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114269 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 11.12.20 |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.312% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114270 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni DSCR |  |  |  | $0.00 | 3.4 | No |  | 0 | 0 | 0 | 0 | 0 | 1.379% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114271 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.071% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114004 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines 10.25.2021 |  |  |  | $0.00 | 2.7 | No |  | 0 | 0 | 0 | 0 | 0 | 1.000% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114272 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $5680.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.235% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114273 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.678% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114274 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni DSCR |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.023% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114275 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 3.625% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | HEM Non-QHEM Guidelines 3.2.2021 | $40995.00 | XX/XX/XXXX |  | $2500.00 | 2.3 | No |  | 0 | 0 | 0 | 0 | 0 |  | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114276 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.464% | 3 Family | 3 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114277 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 11.12.20 |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 0.920% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114278 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.750% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 2.5 | No |  | 0 | 0 | 0 | 0 | 0 | 1.212% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114279 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.125% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $0.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 | 1.176% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114280 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI DSCR Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.619% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114281 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $0.00 | 2 | No |  | 0 | 0 | 0 | 0 | 0 | 1.081% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114282 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.250% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.119% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114283 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.750% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $2131.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 0.765% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114284 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.113% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114285 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 | 1.194% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114286 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.165% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114287 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.990% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | NONI DSCR Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.000% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114288 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.625% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.182% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114289 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  |  |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.201% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114290 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.250% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $0.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 | 1.137% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114005 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR | XXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | Noni Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.380% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114291 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.250% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Loanstar The Lender NONI Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.541% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114292 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 1.4 | No |  | 0 | 0 | 0 | 0 | 0 | 0.884% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114293 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.500% | Employed |  | Permanent Res Alien |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 45.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QM Bank Statement Qualifier | $11570.63 | XX/XX/XXXX |  | $3349.17 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114294 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.250% | Employed | Employed | US Citizen | US Citizen | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 24 | Business | 20.00% | No | 24 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QM Bank Statement Qualifier | $26975.00 | XX/XX/XXXX |  | $2697.84 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114295 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni DSCR |  |  |  | $0.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 | 1.285% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114296 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.000% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.131% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114297 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.125% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 | 1.8 | No |  | 0 | 0 | 0 | 0 | 0 | 1.062% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114298 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.490% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 | 1.289% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114299 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 | 1.2 | No |  | 0 | 0 | 0 | 0 | 0 | 1.390% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114300 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.625% | Employed | Employed | US Citizen | US Citizen | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 24 | Personal | 17.22% | No | 24 mth Personal Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines -3.2.21 | $22695.00 | XX/XX/XXXX |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114301 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.875% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Personal | 50.00% | No | 12 mth Personal Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting guidelines | $9195.00 | XX/XX/XXXX |  | $72.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114302 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.125% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 6.20% | Yes | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines | $6247.50 | XX/XX/XXXX |  | $5000.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114303 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 3.625% | Employed | Employed | Non-Resident Alien | Non-Resident Alien | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QM Bank Statement Qualifier | $22890.00 | XX/XX/XXXX |  | $661.50 | 3.9 | No |  | 0 | 0 | 0 | 0 | 0 |  | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114304 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.753% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114305 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.625% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 24 | Personal | 50.00% | No | 24 mth Personal Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  | LoanStar NQHEM 30-year Fixed ALT Doc | $8680.00 | XX/XX/XXXX |  | $1871.87 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114306 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.490% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 | 2.7 | No |  | 0 | 0 | 0 | 0 | 0 | 1.229% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114307 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.625% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | NONI DSCR Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 2.518% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114308 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.460% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114309 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  | US Citizen | US Citizen |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines 10.25.2021 |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.079% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114310 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 | 1.9 | No |  | 0 | 0 | 0 | 0 | 0 | 1.373% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114311 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  |  |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $0.00 | 1.5 | No |  | 0 | 0 | 0 | 0 | 0 | 1.122% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114312 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines 10.25.2021 |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.546% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114313 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.000% |  |  | Permanent Res Alien |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 1.6 | No |  | 0 | 0 | 0 | 0 | 0 | 1.020% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114314 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines 10.25.2021 |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.551% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114315 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 3.875% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.497% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114316 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI DSCR Guidelines |  |  |  | $0.00 | 4.5 | No |  | 0 | 0 | 0 | 0 | 0 | 1.157% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114317 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | The Lender NONI Guidelines |  |  |  | $0.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 | 1.273% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114318 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $0.00 | 4.6 | No |  | 0 | 0 | 0 | 0 | 0 | 1.965% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114319 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.125% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | The Lender NONI Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.062% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114006 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  | US Citizen | US Citizen |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.397% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114320 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 11.12.20 |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 0.970% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114007 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  | US Citizen | US Citizen |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.195% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114321 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Loanstar Thelender NONI Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.245% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114322 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.875% | Employed | Employed | US Citizen | US Citizen | $XXXXXXX |  |  |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non QM Bank Statements | $30774.30 | XX/XX/XXXX |  | $0.00 | 3.3 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114323 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines 10.25.2021 |  |  |  | $0.00 | 2 | No |  | 0 | 0 | 0 | 0 | 0 | 1.074% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114324 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.000% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 | 2.1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.296% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114325 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 1.9 | No |  | 0 | 0 | 0 | 0 | 0 | 1.034% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114326 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Not Covered | Pass | XX/XX/XXXX | XX.XX% | 5.625% | Employed | Employed | US Citizen | US Citizen | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 24 | Business | 50.00% | Yes | 24 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines -3.2.21 | $17421.00 | XX/XX/XXXX |  | $1000.00 | 2.1 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114327 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI DSCR Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.501% | 4 Family | 4 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114328 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 | 5 | No |  | 0 | 0 | 0 | 0 | 0 | 0.917% | High Rise Condo (>=9 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114329 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.625% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 4.6 | No |  | 0 | 0 | 0 | 0 | 0 | 1.418% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114330 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | Noni DSCR |  |  |  | $0.00 | 1.1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.296% | High Rise Condo (>=9 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114008 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.323% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114331 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 11.12.20 |  |  |  | $0.00 | 3.2 | No |  | 0 | 0 | 0 | 0 | 0 | 1.662% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114332 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.750% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 24 | Business | 10.00% | Yes | 24 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  | Non-QHEM Underwriting Guidelines -3.2.21 | $10995.00 | XX/XX/XXXX |  | $144.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114333 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.750% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 3 | Business | 20.00% | Yes | 3 mths Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines -3.2.21 | $28594.80 | XX/XX/XXXX |  | $0.00 | 1.5 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114334 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.060% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114335 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI DSCR Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.618% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114336 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.990% |  |  |  |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI DSCR Guidelines |  |  |  | $0.00 | 2.2 | No |  | 0 | 0 | 0 | 0 | 0 | 1.330% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114337 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.182% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114338 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.801% | 4 Family | 4 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114339 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 6.375% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX | 37.842% | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines -3.2.21 | $6400.00 | XX/XX/XXXX |  | $3286.93 | 2.9 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114340 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni DSCR |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.698% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114341 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.625% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  | NQHEM 30 Yr Fixed ALT Doc | $5047.92 | XX/XX/XXXX |  | $0.00 | 3.5 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114342 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 3.500% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 24 | Business | 50.00% | No | 24 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NQHEM 30 Yr Fixed ALT Doc | $14591.00 | XX/XX/XXXX |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114343 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $7000.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.464% | 3 Family | 3 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114344 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 3.375% |  |  | US Citizen | US Citizen |  |  |  |  | Yes | No |  |  |  | No | 6 month brokerage statement | Asset Qualifier |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NQHEM 30 Yr Fixed ALT Doc asset qualifier | $8599.00 | XX/XX/XXXX |  | $0.00 | 4.4 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114345 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.875% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 24 | Business | 50.00% | No | 24 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines -3.2.21 | $10127.51 | XX/XX/XXXX |  | $4100.00 | 2.5 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114346 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.875% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non QM Bank Statements 8/16/21 | $7152.75 | XX/XX/XXXX |  | $5106.03 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114347 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | NONI DSCR Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.361% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114348 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI DSCR Guidelines |  |  |  | $0.00 | 2.8 | No |  | 0 | 0 | 0 | 0 | 0 | 1.559% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114349 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI DSCR Guidelines |  |  |  | $0.00 | 39 | No |  | 0 | 0 | 0 | 0 | 0 | 1.081% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114350 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | NONI DSCR Guidelines |  |  |  | $10000.00 | 1.5 | No |  | 0 | 0 | 0 | 0 | 0 | 1.042% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114351 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.805% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114352 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LendingHome Rental Loan Investment |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 5.223% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114353 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.375% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LendingHome Rental Loan Investment Property GL |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.110% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114354 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.486% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114355 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.625% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LendingHome |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.167% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114009 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Guidelines-May 2021 |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.395% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114010 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LendingHomes Rental Loan Investment Property GL |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 0.948% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114356 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.000% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.555% | 4 Family | 4 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114011 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 7.000% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LendingHome/Rental Loan Inv. Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.001% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114357 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.378% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114012 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LoanStar Lending Home DSCR |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.544% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114358 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | RentalOne Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.680% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114359 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.000% |  |  |  |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  |  | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Rental Loan investment property guideline |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.901% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114013 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LendingHome |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.401% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114360 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  | $0.00 | 1.2 | No |  | 0 | 0 | 0 | 0 | 0 | 1.022% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114361 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR | XXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | LendingHome Rental Loan Investment |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.179% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114014 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.303% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114362 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.000% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.158% | 3 Family | 3 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114363 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LendingHome |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.314% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114364 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  | $0.00 | 1.2 | No |  | 0 | 0 | 0 | 0 | 0 | 1.395% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114365 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Loanstar Lendinghome Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.671% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114366 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 0.737% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114367 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Rental Loan Investment Property Guidelines |  |  |  | $1728.71 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.882% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114368 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LendingHome Rental Loan Investment Property |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.517% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114369 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | LendingHome |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.788% | 4 Family | 4 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114370 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LoanStar LendingHome DSCR |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.655% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114371 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 0.903% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114372 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.355% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114373 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | Yes | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Rental Loan Investment Property Guildlines |  |  |  | $11810.58 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.670% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114374 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.625% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  |  |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.441% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114015 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.625% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.572% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114375 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loans Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.413% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114376 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LendingHome Rental Loan Program GL |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.167% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114377 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Guidelines |  |  |  | $2000.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.386% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114378 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | Rental Loan Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 0.869% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114379 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.000% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.529% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114380 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LoanStar Lendinghome Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.104% | 4 Family | 4 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114381 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.153% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114382 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LendingHome rental loan Investment Prop GL |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.161% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114383 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Investor X |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.155% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114384 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.457% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114385 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.000% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guildlines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.030% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114386 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LendingHome Rental Loan Investment |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.384% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114387 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.474% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114388 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.056% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114389 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LendingHome Rental Loan Incestment GL |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.071% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114390 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.000% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.573% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114391 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Lending Home Rental Loan Investment |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.218% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114392 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Loanstar Lendinghome Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.471% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114016 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni DSCR |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.502% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114017 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LendingHome Rental Loan Investment |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.609% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114393 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LoanStar Lendinghome Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.513% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114394 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Rental loan guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.109% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114395 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Investor X |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.126% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114396 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Rental Loan Investment Property |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.680% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114028 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.000% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Investor X |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.342% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114397 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Investor X |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.626% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114398 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Guidelines-May 2021 |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.128% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114399 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LoanStar Lendinghome Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.648% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114400 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Investor X |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.475% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114401 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LoanStar Lendinghome Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.650% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114402 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | Loanstar Lendinghome Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.360% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114403 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.041% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114404 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.375% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.828% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114018 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LendingHome Rental Loan Investment |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.535% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114019 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LendingHome Rental Loan Investment |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.017% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114405 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LoanStar Lendinghome Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.018% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114406 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.618% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114407 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.793% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114408 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.823% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114409 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.000% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Loanstar Lendinghome Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.896% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114410 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.401% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114411 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.625% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LendingHome Rental Loan Investment Property GL |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.598% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114412 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.825% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114413 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.625% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LoanStar Lendinghome Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.136% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114414 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LendingHome Rental Loan Investment |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.205% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114415 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.903% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114020 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Loanstar Lendinghome Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.404% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114026 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.625% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.004% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114416 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Lending Home |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.391% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114417 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.067% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114418 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.479% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114419 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | LendingHome |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.383% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114420 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.000% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.755% | 3 Family | 3 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114421 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.625% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LendingHome Rental Loan Investment |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.212% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114422 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.237% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114027 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Investor X |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.356% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114423 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LendingHome Rental Loan Investment Property GL |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.036% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114424 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Investor X |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.121% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114425 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Investor X |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.153% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114426 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR | XXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 0 | LoanStar Lendinghome Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.450% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114427 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.857% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114428 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.105% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114429 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.000% |  |  |  |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Loanstar Lendinghome Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.056% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114430 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Rental Loan Investment Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.084% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114431 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.625% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Lendinghome Rental Loan Investment Property GL |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.716% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114432 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Lendinghome Rental Loan Investment Property GL |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.665% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114021 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  |  |  |  |  | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.039% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114433 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.625% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LendingHome Rental Loan Investment |  |  |  | $0.00 | 3.4 | No |  | 0 | 0 | 0 | 0 | 0 | 1.327% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114434 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.131% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114022 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.000% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Rental Loan Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.330% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114435 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Property Investment Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.155% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114436 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  |  |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.460% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114437 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.000% |  |  |  |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Guidelines-May 2021 |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.011% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114438 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.625% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.729% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114439 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.531% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114440 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.243% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114441 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Guidelines-May 2021 |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.001% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114442 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.362% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114443 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.000% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.325% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114444 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Rental Loan Investment Property guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.202% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114023 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.750% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.308% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114445 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.067% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114446 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.167% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114447 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.597% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114448 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Lona Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.308% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114024 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Rental Loan Investment Property |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.039% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114449 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 2.029% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114450 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.602% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114451 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.625% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Lendinghome Rental Loan Investment Property GL |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.259% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114452 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.625% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Guidlines - May 2021 |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.344% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114453 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.625% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LendingHome |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.331% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114454 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.000% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 3 | 0 | 0 | Rental Loan Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.593% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114455 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.625% |  |  |  |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Rental Loan Investment Property Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.267% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114025 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LendingHome |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.621% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114456 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.875% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 24 | Business | 30.00% | No | 24 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines | $16507.00 | XX/XX/XXXX |  | $14914.26 | 3.3 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114457 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 5 | No |  | 0 | 0 | 0 | 0 | 0 | 0.704% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114458 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.837% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114459 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.990% | Employed | Employed | US Citizen | US Citizen | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines | $2572.00 | XX/XX/XXXX |  | $0.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114460 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  |  |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.208% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114461 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  | XX/XX/XXXX |  | 4.250% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines |  | XX/XX/XXXX |  | $500.00 | 1.5 | No |  | 0 | 0 | 0 | 0 | 0 | 1.294% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114462 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni DSCR |  |  |  | $1811.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 2.004% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114463 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  |  |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $0.00 | 3.6 | No |  | 0 | 0 | 0 | 0 | 0 | 2.141% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114464 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 4.1 | No |  | 0 | 0 | 0 | 0 | 0 | 4.870% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114465 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 11.12.20 |  |  |  | $0.00 | 2.9 | No |  | 0 | 0 | 0 | 0 | 0 | 1.006% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114466 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.250% |  |  |  |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 | 1.7 | No |  | 0 | 0 | 0 | 0 | 0 | 1.172% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114467 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni DSCR |  |  |  | $1410.65 | 4.4 | No |  | 0 | 0 | 0 | 0 | 0 | 2.243% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114468 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 11.12.20 |  |  |  | $0.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 | 1.146% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114469 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines 10.25.2021 |  |  |  | $0.00 | 2.2 | No |  | 0 | 0 | 0 | 0 | 0 | 1.104% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114470 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 3.4 | No |  | 0 | 0 | 0 | 0 | 0 | 1.230% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114471 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  |  |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 3.8 | No |  | 0 | 0 | 0 | 0 | 0 | 1.704% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114472 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 11.12.20 |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.873% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114473 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 1.2 | No |  | 0 | 0 | 0 | 0 | 0 | 1.594% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114474 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $1067.50 | 1.8 | No |  | 0 | 0 | 0 | 0 | 0 | 1.539% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114475 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.000% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 11.12.20 |  |  |  | $1500.00 | 3 | No |  | 0 | 0 | 0 | 0 | 0 | 0.810% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114476 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 3.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines |  |  |  | $0.00 | 1.2 | No |  | 0 | 0 | 0 | 0 | 0 | 1.128% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114477 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.875% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI DSCR Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.219% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114478 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.500% | Employed |  | Non-Resident Alien |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-Conforming 5/6 SOFR Arm 5SCh BS12 | $6382.50 | XX/XX/XXXX | 0.049% | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114479 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.125% | Employed | Employed | US Citizen | US Citizen | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 24 | Personal |  | No | 24 mth Personal Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 5th Street Capital - Bank Statement Program | $9171.00 | XX/XX/XXXX |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114480 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.250% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 15.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 5th Street Bank Statement Matrix & Program Guideli | $11775.00 | XX/XX/XXXX |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 |  | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114481 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.250% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX | 48.417% | No | Yes | 12 | Personal |  | No | 12 mth Personal Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Bank Statement Matrix and Program Guidelines | $4312.50 | XX/XX/XXXX |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114482 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.250% |  |  | US Citizen | US Citizen |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 2.7 | No |  | 0 | 0 | 0 | 0 | 0 | 1.030% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114483 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.840% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114484 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.370% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114485 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines 8.16.21 |  |  |  | $2600.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.486% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114486 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.728% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114487 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $3100.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.865% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114488 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $3220.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.562% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114489 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 2.7 | No |  | 0 | 0 | 0 | 0 | 0 | 1.373% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114490 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 | 1.2 | No |  | 0 | 0 | 0 | 0 | 0 | 1.312% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114491 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $2920.00 | 1.6 | No |  | 0 | 0 | 0 | 0 | 0 | 1.286% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114492 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni Guidelines |  |  |  | $0.00 | 2 | No |  | 0 | 0 | 0 | 0 | 0 | 1.801% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114493 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $2650.00 | 2.5 | No |  | 0 | 0 | 0 | 0 | 0 | 1.282% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114494 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines 10.25.2021 |  |  |  | $0.00 | 1.6 | No |  | 0 | 0 | 0 | 0 | 0 | 1.174% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114495 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $0.00 | 2.1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.361% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114496 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $2760.00 | 1.7 | No |  | 0 | 0 | 0 | 0 | 0 | 1.554% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114497 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.335% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114498 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.550% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114499 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $2720.00 | 1.3 | No |  | 0 | 0 | 0 | 0 | 0 | 1.343% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114500 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | The Lender NONI Guidelines |  |  |  | $2710.00 | 2.8 | No |  | 0 | 0 | 0 | 0 | 0 | 1.789% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114501 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.591% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114502 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | Noni Guidelines 10.25.2021 |  |  |  | $0.00 | 2.1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.299% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114503 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $2690.00 | 1.8 | No |  | 0 | 0 | 0 | 0 | 0 | 1.492% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114504 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.331% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114505 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines |  |  |  | $0.00 | 1.7 | No |  | 0 | 0 | 0 | 0 | 0 | 1.408% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114506 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 2.8 | No |  | 0 | 0 | 0 | 0 | 0 | 1.461% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114507 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 3.875% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 24 | Business | 60.00% | No | 24 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QM Underwriting Guidelines 3.2.21 | $2495.00 | XX/XX/XXXX |  | $369.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114508 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 3.375% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 30.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines | $7771.68 | XX/XX/XXXX |  | $0.00 | 1.3 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114509 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $0.00 | 2.1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.451% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114510 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.625% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.861% | 3 Family | 3 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114511 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.250% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | TheLender Noni Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.382% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114512 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender Noni Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.156% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114513 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  |  |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 | 2.487% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114514 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 3.750% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 24 | Business | 50.00% | Yes | 24 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QM-Bank Statement Qualifier | $14227.00 | XX/XX/XXXX |  | $0.00 | 1.2 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114515 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.375% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 23.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | Non-QHEM Underwriting Guidelines | $6931.00 | XX/XX/XXXX |  | $5787.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114516 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LoanStar NONI Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.493% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114517 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  | US Citizen | US Citizen |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.195% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114518 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Not Covered | Pass | XX/XX/XXXX | XX.XX% | 3.990% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines | $15961.28 | XX/XX/XXXX |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114519 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.990% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QM Bank Statement Qualifier | $12280.00 | XX/XX/XXXX |  | $6919.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114520 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  | Non-Resident Alien |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 2.3 | No |  | 0 | 0 | 0 | 0 | 0 | 0.970% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114521 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.375% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 10.00% | Yes | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines | $5565.00 | XX/XX/XXXX |  | $258.64 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114522 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 3.875% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines | $10880.92 | XX/XX/XXXX |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114523 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.875% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX | 24.591% | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines -3.2.21 | $15604.00 | XX/XX/XXXX |  | $0.00 | 1.6 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114524 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  | Permanent Res Alien |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidlines |  |  |  | $0.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 | 1.972% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114525 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  | US Citizen | US Citizen |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 4.8 | No |  | 0 | 0 | 0 | 0 | 0 | 1.035% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114526 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  | US Citizen | US Citizen |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Noni DSCR |  |  |  | $0.00 | 4.9 | No |  | 0 | 0 | 0 | 0 | 0 | 1.266% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114527 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.503% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114528 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.875% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Personal | 23.00% | No | 12 mth Personal Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines | $35788.00 | XX/XX/XXXX |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114529 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni Guidelines 8.16.21 |  |  |  | $23663.76 | 3.2 | No |  | 0 | 0 | 0 | 0 | 0 | 0.698% | High Rise Condo (>=9 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114530 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.001% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114531 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 3.500% | Employed | Unemployed | US Citizen | US Citizen | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Personal | 21.00% | No | 12 mth Personal Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QM Bank Statement Qualifier | $11641.00 | XX/XX/XXXX |  | $0.00 | 4.6 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114532 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.500% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX | 40.153% | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines 3.2.2021 | $13060.76 | XX/XX/XXXX |  | $15482.50 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114533 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen | US Citizen |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI Guidelines |  |  |  | $0.00 | 2.3 | No |  | 0 | 0 | 0 | 0 | 0 | 3.069% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114534 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 3.625% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  | NOn QM Bnk statement | $15495.00 | XX/XX/XXXX |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114535 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  | XX/XX/XXXX |  | 4.375% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 24 | Business | 50.00% | Yes | 24 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QM Bank Statement Qualifier |  | XX/XX/XXXX |  | $0.00 | 1.4 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114536 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.750% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines -3.2.21 | $6945.00 | XX/XX/XXXX |  | $5166.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114537 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 3.990% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 24 | Business | 50.00% | Yes | 24 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines -3.2.21 | $21995.00 | XX/XX/XXXX |  | $4615.64 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114538 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.750% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NONI DSCR Guidelines |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 2.820% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114539 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.789% | 4 Family | 4 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114540 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 3.500% | Employed | Employed | US Citizen | US Citizen | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Personal | 20.00% | Yes | 12 mth Personal Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | HEM Non-QHEM Guidelines | $23945.50 | XX/XX/XXXX |  | $5000.00 |  | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114541 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.500% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QM Bank Statement Qualifier | $13073.67 | XX/XX/XXXX |  | $0.00 | 2.1 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114542 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.875% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Personal | 50.00% | Yes | 12 mth Personal Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines -3.2.21 | $5887.50 | XX/XX/XXXX |  | $5000.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114543 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.500% | Employed |  | US Citizen |  |  |  | $XXXXXXX |  | Yes | No |  |  |  | No | 6 Mnths Personal Bank Statements for Asset Qualifier verification. | Asset Qualifier |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Non-QHEM Underwriting Guidelines -3.2.21 | $49995.00 | XX/XX/XXXX |  | $3768.00 |  | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114544 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.375% |  |  | US Citizen | US Citizen |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Noni DSCR |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.226% | 3 Family | 3 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114545 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 3.875% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | Yes | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | HEM Non-QHEM Guidelines | $15163.75 | XX/XX/XXXX |  | $2498.30 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114546 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 3.375% | Employed | Employed | US Citizen | US Citizen | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | HEM Non-QHEM Guidelines | $18302.20 | XX/XX/XXXX |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114547 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.500% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | DSCR |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.307% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114548 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.875% |  |  | US Citizen |  |  | XXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | The Lender NONI Guidelines |  |  |  | $0.00 | 1.5 | No |  | 0 | 0 | 0 | 0 | 0 | 0.667% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114550 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.875% |  |  | US Citizen |  |  | XXXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Investor Plus |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.248% | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114551 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Not Covered | Pass | XX/XX/XXXX | XX.XX% | 5.250% | Unemployed |  | US Citizen |  |  |  | $XXXXXXX |  | Yes | No |  |  |  | No | 6 month brokerage statement | Asset Depletion |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | CHL Expanded Credit Homeowner Elite | $1695.00 | XX/XX/XXXX |  | $0.00 | 3.3 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114552 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.750% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | No |  |  |  | No | Job Offer Letter w/income. Previous employer XXXX, XXXX, XXXX W2s. Prev employer TWN WVOE YTD XXXX, XXXX, XXXX. | Full Documentation |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | CHL Expended Credit | $1730.00 | XX/XX/XXXX |  | $0.00 | 2 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114553 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 4.875% |  |  | US Citizen | US Citizen |  | XXXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Investor Plus |  |  |  | $0.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 | 0.866% | Mid Rise Condo (5-8 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114554 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  | XX/XX/XXXX |  | 4.875% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | No |  |  |  | No | TWN WVOE YTD XXXX, XXXX,XXXX, XXXX. | Full Documentation |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | CHL Expanded Credit Homeowner Elite |  | XX/XX/XXXX |  | $8990.00 |  | No |  | 0 | 0 | 0 | 0 | 0 |  | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114555 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.500% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 24 | Business | 40.00% | No | 24 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LoanStar Celebrity Expanded Homeowner Plus Alt Doc | $5455.00 | XX/XX/XXXX |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114556 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.750% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 60.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | CHL Expanded Credit Homeowner Elite | $6465.00 | XX/XX/XXXX |  | $0.00 | 1.2 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114557 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.000% |  |  | US Citizen |  |  | XXXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Investor Plus |  |  |  | $0.00 | 1.2 | No |  | 0 | 0 | 0 | 0 | 0 | 1.286% | High Rise Condo (>=9 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114558 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.250% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 24 | Business | 55.00% | No | 24 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | CHL Expanded Credit Homeowner Elite | $17708.00 | XX/XX/XXXX |  | $0.00 | 2.4 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114559 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.875% | Unemployed | Unemployed | US Citizen | US Citizen | $XXXXXXX |  | $XXXXXXX |  | No | No |  |  |  | No | YTDXXXX Paystubs, XXXX and XXXX W2, XXXX, XXXX and YTD XXXX WVOE | Full Documentation |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | CHL Expanded Credit Homeowner Elite | $4013.00 | XX/XX/XXXX |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114560 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Sequoia DSCR |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.092% | 4 Family | 4 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114549 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NewFi Lending DSCR GL |  |  |  | $2250.00 | 2.4 | No |  | 0 | 0 | 0 | 0 | 0 | 1.912% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114561 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  |  |  |  | XXXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Sequoia DSCR |  |  |  | $0.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 | 1.328% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114562 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.750% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Personal and Business | 10.00% | No | 12 mth Comingled Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NewFi Sequoia NQM 12-month bank statements | $21195.00 | XX/XX/XXXX |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114563 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.375% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NewFi Sequoia NQM 12 month bank statement 40-year | $13981.50 | XX/XX/XXXX |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114564 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.875% | Employed |  | Non-Resident Alien |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NewFi Sequoia NQM 12-month bank statements | $7710.67 | XX/XX/XXXX |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114565 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.250% |  |  | US Citizen | US Citizen |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Sequoia DSCR |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.249% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114566 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.250% | Employed | Employed | US Citizen | US Citizen | $XXXXXXX |  | $XXXXXXX |  | No | No |  |  |  | Yes | XXXX 1120S ; XXXX P&L ; XXXX 1040 | Full Documentation |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 2 | Newfi Lending NonQM Guidelines V3 | $10000.00 | XX/XX/XXXX |  | $505.04 | 2.7 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114567 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.375% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Newfi |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.285% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114568 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.250% | Employed | Unemployed | US Citizen | US Citizen | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NewFi Sequoia NQM 12-month bank statements | $33725.00 | XX/XX/XXXX |  | $0.00 | 1.3 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114569 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.875% | Employed | Employed | US Citizen | US Citizen | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NewFi Sequoia Expanded 12-month bank statements | $14596.00 | XX/XX/XXXX |  | $0.00 | 1.2 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114570 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.625% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Newfi |  |  |  | $0.00 | 1.1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.529% | 2 Family | 2 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114571 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LoneStar Newfi DSCR GL |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 0.601% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114572 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.500% |  |  | US Citizen |  |  | XXXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NewFI Lending DSCR GL |  |  |  | $0.00 | 3.6 | No |  | 0 | 0 | 0 | 0 | 0 | 1.314% | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114573 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.125% | Employed | Employed | US Citizen | US Citizen | $XXXXXXX |  |  |  | No | Yes | 12 | Personal | 10.00% | No | 12 mth Personal Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Newfi Lending NonQM Guidelines 10_27_2021 v3 | $150920.00 | XX/XX/XXXX |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114574 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.125% | Employed | Unemployed | US Citizen | US Citizen | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NewFi Lending NonQM Guidelines 10.27.2021 v3 | $31391.00 | XX/XX/XXXX |  | $0.00 | 2 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114575 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.750% | Employed | Employed | US Citizen | US Citizen | $XXXXXXX |  |  |  | No | Yes | 12 | Personal | 50.00% | No | 12 mth Personal Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Newfi Lending NonQM Guidelines 10_27_2021 v3 | $9870.00 | XX/XX/XXXX |  | $3185.00 | 1.6 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114576 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.375% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX | 43.231% | No | No |  |  |  | No | YTD Paystub. XXXX 1040. WVOE YTD XXXX, XXXX, XXXX. XXXX W2. XXXX9 W2. XXXX IRS TT. XXXX IRS TT. XXXX SSA Benefit Letter. Subject Leases. | Full Documentation |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Sequoia Non QM Guidelines | $29015.00 | XX/XX/XXXX |  | $42000.00 |  | No |  | 0 | 0 | 0 | 0 | 0 |  | 4 Family | 4 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114577 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.125% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NewFi Lending DSCR GL |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 0.869% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114578 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.875% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NewFi Sequoia NQM 12-month bank statements | $87269.72 | XX/XX/XXXX |  | $0.00 | 4 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114579 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.250% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  | Newfi Lending NonQM Guidelines 10_27_2021 v3 | $11558.75 | XX/XX/XXXX |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114580 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  | XX/XX/XXXX |  | 4.500% | Employed |  | US Citizen |  | $XXXXXXX |  |  |  | No | Yes | 12 | Personal and Business | 50.00% | No | 12 mth Comingled Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Newfi Lending NonQM Guidelines 10_27_2021 v3 |  | XX/XX/XXXX |  | $2233.00 | 1.5 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114581 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.250% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 20.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Newfi Lending NonQM Guidelines 10_27_2021 v3 | $7640.00 | XX/XX/XXXX |  | $372.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114582 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.500% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NewFi Lending DSCR GL |  |  |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 | 1.668% | 4 Family | 4 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114583 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.125% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | Newfi |  |  |  | $0.00 | 1.1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.543% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114584 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.375% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 24 | Business | 50.00% | No | 24 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  | NewFi Sequoia NQM 24-month bank statements | $22847.00 | XX/XX/XXXX |  | $3600.00 | 3.1 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114585 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  | XX/XX/XXXX |  | 4.250% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NewFi Sequoia NonQM |  | XX/XX/XXXX |  | $0.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114586 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  | XX/XX/XXXX |  | 5.125% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | No |  |  |  | No | XXXX- XXXX 1040 ; XXXX-XXXX WVOE ; XXXX-XXXX W2s | Full Documentation |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NewFi Sequoia NonQM Guides |  | XX/XX/XXXX |  | $3910.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114587 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  | XX/XX/XXXX |  | 4.125% | Employed | Employed | US Citizen | US Citizen | $XXXXXXX |  | $XXXXXXX |  | No | No |  |  |  | Yes | B1 XXXX-XXXX 1120S , K1s ; XXXX P&L ; XXXX-XXXX W2 ; B2 XXXX-XXXX W2 ; XXXX YTD Paystubs | Full Documentation |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Newfi Lending Sequoia NonQM |  | XX/XX/XXXX |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114588 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  | XX/XX/XXXX |  | 4.375% | Employed | Employed | US Citizen | US Citizen | $XXXXXXX |  |  |  | No | No |  |  |  | No | B1: VA Disability Benefit Letter. YTD Paystubs. XXXX Joint 1040. XXXX Joint 1040. XXXX W2s. XXXX W2s. TWN WVOE YTD XXXX, XXXX, XXXX. XXXX Joint IRS TT. XXXX Joint IRS TT. B2: YTD Paystubs. XXXX W2s. XXXX W2s.TWN WVOE YTD XXXX, XXXX, XXXX. | Full Documentation |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Newfi Lending NonQM Guidelines 10_27_2021 v3 |  | XX/XX/XXXX |  | $3871.88 | 1.2 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114589 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.250% | Employed | Employed | US Citizen | US Citizen | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 15.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Newfi Lending NonQM Guidelines v3 | $17450.64 | XX/XX/XXXX |  | $0.00 | 1.2 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114590 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Not Covered | Pass | XX/XX/XXXX | XX.XX% | 4.125% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 24 | Business | 50.00% | No | 24 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NewFi Sequoia NQM 24-month bank statements | $25247.00 | XX/XX/XXXX |  | $1500.00 | 3.6 | No |  | 0 | 0 | 0 | 0 | 0 |  | Low Rise Condo (1-4 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114591 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.875% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | $14785.25 | XX/XX/XXXX |  | $0.00 | 3.5 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114592 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.750% |  |  | US Citizen |  |  | XXXXXXXX | $XXXXXXX |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | LoanStar Newfi Lending DSCR GL |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 0.871% | High Rise Condo (>=9 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114593 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.250% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | No |  |  |  | Yes | SSI Letter, XXXX and XXXX 1099s, | Full Documentation |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Newfi Lending NonQM Guidelines 10_27_2021 v3 | $14232.50 | XX/XX/XXXX |  | $1759.50 | 2.7 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114594 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.625% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NewFi Lending DSCR GL |  |  |  | $0.00 | 4.3 | No |  | 0 | 0 | 0 | 0 | 0 | 0.887% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114595 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Not Covered | Pass | XX/XX/XXXX | XX.XX% | 5.750% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  | NewFi Sequoia NQM Expanded 12-month bank statement | $6799.37 | XX/XX/XXXX |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114596 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.625% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Newfi Lending NonQM Guidelines 10_27_2021 v3 | $12095.00 | XX/XX/XXXX |  | $0.00 | 4.6 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114597 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.250% | Employed | Employed | US Citizen | US Citizen | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  | NewFi Sequoia NQM 12-month bank statements | $11695.00 | XX/XX/XXXX |  | $2017.60 | 3.2 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114598 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.375% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Newfi Lending NonQM Guidelines 10_27_2021 v3 | $25670.00 | XX/XX/XXXX |  | $5642.81 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | High Rise Condo (>=9 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114599 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.750% | Employed |  | Permanent Res Alien |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Personal |  | No | 12 mth Personal Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NewFi Lending NonQM Guidelines 10.27.2021 v3 | $11983.92 | XX/XX/XXXX |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114600 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 6.375% | Employed |  | US Citizen |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 11.81% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  | Sequoia Non QM Guidelines | $1319.00 | XX/XX/XXXX | 6.375% | $588.41 | 1.3 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114601 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.375% | Employed | Employed | Permanent Res Alien | Non-Resident Alien | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Personal | 10.00% | No | 12 mth Personal Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NewFi Sequoia NQM 12-month bank statements | $16462.54 | XX/XX/XXXX |  | $0.00 | 1.2 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114602 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  | XX/XX/XXXX |  | 6.500% | Employed | Employed | US Citizen | US Citizen | $XXXXXXX |  | $XXXXXXX |  | No | No |  |  |  | No | B1: XXXX YTD Paystubs, XXXX and XXXX W2s, XXXX and XXXX Tax Transcripts<br> B2: XXXX YTD Paystubs, XXXX and XXXX0 W2s, XXXX and XXXX Tax Transcripts | Full Documentation |  |  |  |  |  |  |  |  | XXXX | XX | 0 | 0 | 0 | Newfi Lending NonQM Guidelines 10_27_2021 v3 |  | XX/XX/XXXX |  | $0.00 | 1.7 | No |  | 0 | 0 | 0 | 0 | 0 |  | PUD | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114603 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.500% | Employed | Employed | US Citizen | US Citizen | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 50.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NewFi Sequoia NQM 12-month bank statements | $9047.80 | XX/XX/XXXX |  | $0.00 |  | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114604 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.875% | Employed |  | Permanent Res Alien |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 10.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Newfi Lending NonQM Guidelines 10_27_2021 v3 | $4782.50 | XX/XX/XXXX |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 |  | Mid Rise Condo (5-8 Stories) | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114605 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 5.250% | Employed |  | Permanent Res Alien |  | $XXXXXXX |  | $XXXXXXX |  | No | Yes | 12 | Business | 10.00% | No | 12 mth Business Bk Stmts | Bank Statements |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Sequoia Non-QM GL | $17475.00 | XX/XX/XXXX |  | $0.00 | 2.6 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114606 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 5.875% |  |  |  |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Newfi |  |  |  | $0.00 | 1.7 | No |  | 0 | 0 | 0 | 0 | 0 | 1.065% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114607 | XXXXXX | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  | 6.750% |  |  | US Citizen |  |  |  |  |  | No | No |  |  |  | No | DSCR | DSCR |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | NewFi Lending DSCR GL |  |  |  | $0.00 | 1 | No |  | 0 | 0 | 0 | 0 | 0 | 1.122% | Single Family | 1 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114608 | XXXXXX | Non-QM/Compliant | XX/XX/XXXX | Yes | Pass | Pass | XX/XX/XXXX | XX.XX% | 4.875% | Employed |  | US Citizen |  | $XXXXXXX |  |  |  | No | No |  |  |  | Yes | XXXX YTD Paystubs, XXXX W2, XXXX Tax Transcripts | Full Documentation |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Newfi Lending Sequoia NonQM | $5770.00 | XX/XX/XXXX |  | $4724.00 | 2.5 | No |  | 0 | 0 | 0 | 0 | 0 |  | Single Family | 1 |

---

## Exhibit 99.4

#### QM-ATR

#### Run Date - 4/14/2022

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Recovco Loan ID** | **Loan #1** | **Loan #2** | **Alt Loan ID** | **Pool** | **Borrower Last Name** | **Borrower First Name** | **Coborrower Last Name** | **Coborrower First Name** | **Property Address** | **Property City** | **State** | **Zip Code** | **TILA Status** | **QM Status** | **Application Date** | **GSE Eligible** | **Points and Fees (Reg Z)** | **Rate Lock Date** | **APR** | **Employment Indicator (Borrower)** | **Employment Indicator (Coborrower)** | **Citizenship Status (Borrower)** | **Citizenship Status (Coborrower)** | **Residual Income** |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114029 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114030 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | Permanent Res Alien |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114031 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114032 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Missouri | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114033 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114034 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $10058.60 | XX/XX/XXXX | XX.XX% | Employed |  | Permanent Res Alien |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114035 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114036 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114037 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $1995.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114038 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | Maryland | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed | Employed | US Citizen | US Citizen |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114039 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $11239.80 | XX/XX/XXXX | XX.XX% | Employed | Employed | US Citizen | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114040 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114041 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114042 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114043 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  | XX/XX/XXXX |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114044 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New Jersey | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114045 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114046 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114047 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114048 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114049 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114050 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  | XX/XX/XXXX |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114051 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114052 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Arizona | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114053 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Arizona | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114054 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Arizona | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114055 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Arizona | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114056 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Arizona | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114057 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Arizona | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114058 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Maryland | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114059 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114060 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114061 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114062 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114063 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114064 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114065 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114066 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Connecticut | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $6016.88 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114067 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114068 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114069 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114070 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114071 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114072 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $16953.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114073 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114074 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114075 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Utah | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114076 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Connecticut | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114077 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114078 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Michigan | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $7594.29 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114079 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $4384.86 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114080 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114081 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114082 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114083 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114084 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $9435.00 | XX/XX/XXXX | XX.XX% | Retired |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114085 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | Oregon | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen | US Citizen |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114086 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $4195.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114087 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Connecticut | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114088 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114089 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Washington | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114090 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114091 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114092 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114093 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114094 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114095 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114096 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New Jersey | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114097 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Massachusetts | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $10963.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114098 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114099 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | Permanent Res Alien |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114100 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114101 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $13582.50 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114102 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114103 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | Permanent Res Alien | US Citizen |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114104 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114105 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114106 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114107 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114108 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114109 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Indiana | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114110 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114111 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $19995.00 | XX/XX/XXXX | XX.XX% | Employed | Employed | Permanent Res Alien | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114112 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114113 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Massachusetts | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114114 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114115 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114116 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $13470.00 | XX/XX/XXXX | XX.XX% | Employed |  | Permanent Res Alien |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114117 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Connecticut | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114118 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $44958.90 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114119 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Connecticut | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114120 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114121 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114122 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Connecticut | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114123 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114124 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114125 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114126 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114127 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | New Hampshire | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114128 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114129 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114130 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $8395.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114131 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114132 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114133 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Indiana | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114134 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114135 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Connecticut | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114136 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New Jersey | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114137 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New Jersey | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114138 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114139 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $9133.74 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114140 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $12445.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114141 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Washington | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114142 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114143 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | South Carolina | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114144 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Washington | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114145 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Arizona | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114146 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114147 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114148 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114149 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114150 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $15797.00 | XX/XX/XXXX | XX.XX% | Employed | Employed | US Citizen | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114151 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114152 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114153 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Connecticut | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114154 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen | US Citizen |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114155 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | North Carolina | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114156 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $11729.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114157 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Connecticut | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114158 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | North Carolina | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114159 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Illinois | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114160 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  | XX/XX/XXXX |  | Employed |  | Permanent Res Alien |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114161 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Illinois | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114162 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114163 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Louisiana | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114164 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114165 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | North Carolina | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114166 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114167 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New Jersey | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114168 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114169 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114170 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114171 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114172 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | Massachusetts | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen | US Citizen |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114001 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114173 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen | US Citizen |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114174 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New Jersey | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114175 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114176 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $16966.25 | XX/XX/XXXX | XX.XX% | Employed |  | Permanent Res Alien |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114177 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Connecticut | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114178 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Washington | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114179 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Utah | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114180 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114181 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114182 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Arizona | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114183 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114184 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114185 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114186 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114187 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114188 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Pennsylvania | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114189 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114002 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114190 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114191 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New Jersey | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114192 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114193 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | North Carolina | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114194 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114195 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114196 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen | Permanent Res Alien |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114197 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114198 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114199 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $24146.55 | XX/XX/XXXX | XX.XX% | Employed | Employed | US Citizen | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114200 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114201 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Utah | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $22413.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114202 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Washington | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114203 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Illinois | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114204 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen | US Citizen |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114205 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114206 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | Permanent Res Alien |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114207 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | North Carolina | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114208 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114209 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114210 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $7617.35 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114211 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $27710.43 | XX/XX/XXXX | XX.XX% | Employed | Employed | US Citizen | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114212 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114213 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114214 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114215 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114216 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | North Carolina | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114217 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114218 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | Permanent Res Alien |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114219 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114220 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | Washington | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $10820.00 | XX/XX/XXXX | XX.XX% | Employed | Employed | US Citizen | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114221 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen | Permanent Res Alien |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114222 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | Tennessee | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen | US Citizen |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114223 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | Colorado | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $7115.00 | XX/XX/XXXX | XX.XX% | Employed | Unemployed | US Citizen | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114224 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114225 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen | US Citizen |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114226 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | North Carolina | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114227 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114228 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | Permanent Res Alien |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114229 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Illinois | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114230 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114231 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114232 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Arizona | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114233 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $18495.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114234 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114235 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114236 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen | US Citizen |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114237 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | North Carolina | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114238 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | North Carolina | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114239 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Indiana | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114003 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Connecticut | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114240 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114241 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114242 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114243 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114244 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114245 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114246 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen | US Citizen |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114247 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New Jersey | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114248 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114249 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $4494.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114250 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | New Jersey | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114251 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114252 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | West Virginia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114253 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114254 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Arizona | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114255 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Oklahoma | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114256 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114257 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | New Jersey | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114258 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114259 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114260 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114261 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen | US Citizen |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114262 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $2359.69 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114263 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $13170.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114264 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | West Virginia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114265 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $11495.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114266 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Alabama | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114267 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $9237.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114268 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Massachusetts | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114269 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114270 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114271 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114004 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Kentucky | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114272 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114273 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Missouri | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114274 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Colorado | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114275 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $40995.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114276 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114277 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114278 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114279 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114280 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New Jersey | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114281 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114282 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114283 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114284 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114285 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114286 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114287 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114288 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114289 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114290 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114005 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114291 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114292 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114293 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $11570.63 | XX/XX/XXXX | XX.XX% | Employed |  | Permanent Res Alien |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114294 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $26975.00 | XX/XX/XXXX | XX.XX% | Employed | Employed | US Citizen | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114295 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114296 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New Jersey | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114297 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114298 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | New Jersey | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114299 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114300 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $22695.00 | XX/XX/XXXX | XX.XX% | Employed | Employed | US Citizen | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114301 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Virginia | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $9195.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114302 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $6247.50 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114303 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $22890.00 | XX/XX/XXXX | XX.XX% | Employed | Employed | Non-Resident Alien | Non-Resident Alien | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114304 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New Jersey | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114305 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $8680.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114306 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New Jersey | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114307 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114308 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114309 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen | US Citizen |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114310 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Pennsylvania | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114311 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114312 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114313 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | Permanent Res Alien |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114314 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114315 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114316 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Hawaii | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114317 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114318 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | South Carolina | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114319 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Arizona | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114006 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen | US Citizen |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114320 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114007 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen | US Citizen |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114321 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114322 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $30774.30 | XX/XX/XXXX | XX.XX% | Employed | Employed | US Citizen | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114323 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114324 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114325 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114326 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | Arizona | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $17421.00 | XX/XX/XXXX | XX.XX% | Employed | Employed | US Citizen | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114327 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Pennsylvania | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114328 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114329 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114330 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114008 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114331 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114332 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Arizona | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $10995.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114333 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Colorado | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $28594.80 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114334 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114335 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114336 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114337 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114338 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114339 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Illinois | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $6400.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114340 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114341 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $5047.92 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114342 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $14591.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114343 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Pennsylvania | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114344 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | Florida | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $8599.00 | XX/XX/XXXX | XX.XX% |  |  | US Citizen | US Citizen |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114345 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $10127.51 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114346 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $7152.75 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114347 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | New Jersey | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114348 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114349 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114350 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114351 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114352 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Michigan | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114353 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Connecticut | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114354 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114355 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114009 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114010 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114356 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114011 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Ohio | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114357 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Kentucky | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114012 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Pennsylvania | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114358 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | South Carolina | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114359 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114013 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Ohio | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114360 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114361 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114014 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Virginia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114362 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Colorado | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114363 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114364 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114365 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Michigan | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114366 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114367 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Missouri | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114368 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Missouri | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114369 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Pennsylvania | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114370 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Missouri | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114371 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114372 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | South Carolina | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114373 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Maryland | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114374 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114015 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114375 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114376 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Michigan | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114377 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Maryland | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114378 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114379 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Maryland | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114380 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114381 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114382 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114383 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | North Carolina | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114384 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Michigan | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114385 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Michigan | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114386 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114387 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114388 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Pennsylvania | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114389 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114390 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Pennsylvania | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114391 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New Jersey | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114392 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Michigan | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114016 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Ohio | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114017 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114393 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114394 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Michigan | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114395 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New York | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114396 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114028 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Michigan | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114397 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114398 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114399 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114400 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114401 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114402 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | New Jersey | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114403 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Missouri | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114404 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Missouri | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114018 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114019 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Maryland | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114405 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114406 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Tennessee | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114407 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Tennessee | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114408 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Tennessee | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114409 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114410 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Tennessee | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114411 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | South Carolina | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114412 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114413 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Michigan | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114414 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Michigan | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114415 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114020 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114026 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114416 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | North Carolina | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114417 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114418 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Ohio | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114419 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Michigan | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114420 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Michigan | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114421 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Illinois | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114422 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Tennessee | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114027 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114423 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114424 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | North Carolina | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114425 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Maryland | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114426 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Virginia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114427 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114428 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Pennsylvania | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114429 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Michigan | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114430 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114431 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | West Virginia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114432 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Ohio | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114021 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114433 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Colorado | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114434 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Pennsylvania | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114022 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | North Carolina | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114435 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Ohio | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114436 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114437 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114438 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Ohio | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114439 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | South Carolina | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114440 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114441 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114442 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114443 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Ohio | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114444 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114023 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Michigan | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114445 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Michigan | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114446 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Michigan | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114447 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114448 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Ohio | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114024 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | North Carolina | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114449 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114450 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114451 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Virginia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114452 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114453 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Nevada | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114454 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Michigan | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114455 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Arizona | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114025 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Michigan | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114456 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $16507.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114457 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114458 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Missouri | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114459 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $2572.00 | XX/XX/XXXX | XX.XX% | Employed | Employed | US Citizen | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114460 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Colorado | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114461 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  | XX/XX/XXXX |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114462 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Alabama | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114463 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114464 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114465 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Tennessee | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114466 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114467 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114468 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114469 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114470 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | North Carolina | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114471 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Alabama | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114472 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Tennessee | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114473 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Tennessee | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114474 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Alabama | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114475 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114476 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114477 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114478 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $6382.50 | XX/XX/XXXX | XX.XX% | Employed |  | Non-Resident Alien |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114479 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $9171.00 | XX/XX/XXXX | XX.XX% | Employed | Employed | US Citizen | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114480 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $11775.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114481 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $4312.50 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114482 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen | US Citizen |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114483 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Mississippi | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114484 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Mississippi | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114485 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Mississippi | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114486 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Mississippi | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114487 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Mississippi | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114488 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Mississippi | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114489 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Mississippi | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114490 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Mississippi | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114491 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Mississippi | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114492 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Mississippi | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114493 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Mississippi | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114494 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Mississippi | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114495 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Mississippi | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114496 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Mississippi | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114497 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Mississippi | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114498 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Mississippi | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114499 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Mississippi | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114500 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Mississippi | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114501 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Mississippi | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114502 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Mississippi | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114503 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Mississippi | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114504 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Mississippi | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114505 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Mississippi | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114506 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Mississippi | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114507 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $2495.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114508 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $7771.68 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114509 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Colorado | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114510 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Massachusetts | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114511 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Oklahoma | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114512 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Massachusetts | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114513 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Colorado | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114514 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $14227.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114515 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $6931.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114516 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114517 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | Hawaii | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen | US Citizen |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114518 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $15961.28 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114519 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $12280.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114520 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Washington | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | Non-Resident Alien |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114521 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $5565.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114522 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $10880.92 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114523 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $15604.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114524 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | Permanent Res Alien |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114525 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen | US Citizen |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114526 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | Utah | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen | US Citizen |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114527 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114528 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $35788.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114529 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Retired |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114530 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114531 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | Texas | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $11641.00 | XX/XX/XXXX | XX.XX% | Employed | Unemployed | US Citizen | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114532 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $13060.76 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114533 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen | US Citizen |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114534 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $15495.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114535 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  | XX/XX/XXXX |  | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114536 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $6945.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114537 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Washington | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $21995.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114538 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114539 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114540 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | Maryland | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $23945.50 | XX/XX/XXXX | XX.XX% | Employed | Employed | US Citizen | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114541 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $13073.67 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114542 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Indiana | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $5887.50 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114543 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $49995.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114544 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen | US Citizen |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114545 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $15163.75 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114546 | XXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $18302.20 | XX/XX/XXXX | XX.XX% | Employed | Employed | US Citizen | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114547 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114548 | XXXXXX | XXXXXX | XXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114550 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114551 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | Oregon | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $1695.00 | XX/XX/XXXX | XX.XX% | Unemployed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114552 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $1730.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114553 | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | Utah | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen | US Citizen |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114554 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | Utah | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  | XX/XX/XXXX |  | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114555 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $5455.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114556 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | Nevada | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $6465.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114557 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | Nevada | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114558 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | Arizona | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $17708.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114559 | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | Nevada | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $4013.00 | XX/XX/XXXX | XX.XX% | Unemployed | Unemployed | US Citizen | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114560 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | South Carolina | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114549 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | South Carolina | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114561 | XXXXXX |  |  |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114562 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | Washington | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $21195.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114563 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $13981.50 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114564 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $7710.67 | XX/XX/XXXX | XX.XX% | Employed |  | Non-Resident Alien |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114565 | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | Arizona | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen | US Citizen |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114566 | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | Arizona | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $10000.00 | XX/XX/XXXX | XX.XX% | Employed | Employed | US Citizen | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114567 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114568 | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $33725.00 | XX/XX/XXXX | XX.XX% | Employed | Unemployed | US Citizen | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114569 | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $14596.00 | XX/XX/XXXX | XX.XX% | Employed | Employed | US Citizen | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114570 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114571 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114572 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114573 | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $150920.00 | XX/XX/XXXX | XX.XX% | Employed | Employed | US Citizen | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114574 | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $31391.00 | XX/XX/XXXX | XX.XX% | Employed | Unemployed | US Citizen | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114575 | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $9870.00 | XX/XX/XXXX | XX.XX% | Employed | Employed | US Citizen | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114576 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $29015.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114577 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114578 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $87269.72 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114579 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $11558.75 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114580 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  | XX/XX/XXXX |  | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114581 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $7640.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114582 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114583 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114584 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | Oregon | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $22847.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114585 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  | XX/XX/XXXX |  | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114586 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  | XX/XX/XXXX |  | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114587 | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  | XX/XX/XXXX |  | Employed | Employed | US Citizen | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114588 | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  | XX/XX/XXXX |  | Employed | Employed | US Citizen | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114589 | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | Georgia | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $17450.64 | XX/XX/XXXX | XX.XX% | Employed | Employed | US Citizen | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114590 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $25247.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114591 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | Georgia | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $14785.25 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114592 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | Maryland | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114593 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $14232.50 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114594 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114595 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $6799.37 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114596 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $12095.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114597 | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | Florida | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $11695.00 | XX/XX/XXXX | XX.XX% | Employed | Employed | US Citizen | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114598 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $25670.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114599 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $11983.92 | XX/XX/XXXX | XX.XX% | Employed |  | Permanent Res Alien |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114600 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $1319.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114601 | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $16462.54 | XX/XX/XXXX | XX.XX% | Employed | Employed | Permanent Res Alien | Non-Resident Alien | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114602 | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | Illinois | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  | XX/XX/XXXX |  | Employed | Employed | US Citizen | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114603 | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | Florida | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $9047.80 | XX/XX/XXXX | XX.XX% | Employed | Employed | US Citizen | US Citizen | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114604 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $4782.50 | XX/XX/XXXX | XX.XX% | Employed |  | Permanent Res Alien |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114605 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | California | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $17475.00 | XX/XX/XXXX | XX.XX% | Employed |  | Permanent Res Alien |  | $XXXXXX |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114606 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114607 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | Texas | XXXXX | Not Covered/Exempt | Not Covered/Exempt | XX/XX/XXXX | No |  |  |  | Employed |  | US Citizen |  |  |
| XXXXXXX | XXXXXX | XXXXXX | 54920251114608 | XXXXXX | XXXXXXX | XXXXXXX |  |  | XXXXXXXX | XXXXXX | Florida | XXXXX | Non-QM/Compliant | Non-QM/Compliant | XX/XX/XXXX | No | $5770.00 | XX/XX/XXXX | XX.XX% | Employed |  | US Citizen |  | $XXXXXX |

---

## Exhibit 99.4

#### ASF Addendum - Business Purpose

#### Run Date - 4/14/2022

**---

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| Recovco Loan ID | Loan #1 | Loan #2 | Alt Loan ID | Seller Name | Originator Name | Guideline Author | Guideline Name | Guideline Date | 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 | DSCR | PITIA | Lease End Date | Original Lease Term | Rent Loss Insurance | Rent Loss Insurance Amount | HOA Flag | HOA Monthly Premium Amount | Monthly Property Tax | Monthly Insurance Cost | Cross Collateralized Flag | Number of Mortgaged Properties | Number of Properties | Foreign National Alternative Credit Documentation | Foreign National Guarantor 1 | Foreign National Guarantor 2 | Investor Type | Number of Years Property Owned | Borrower Residency Status | Co Borrower Residency Status | Qualifying Credit Score | Months Bankruptcy 7 11 | 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 First Name | Borrower 2 Last Name | Borrower 2 Self Employment Flag | Borrower 3 First Name | Borrower 3 Last Name | Borrower 3 Residency Status | Borrower 3 Self Employment Flag | Borrower 3 OriginalFICO:Equifax | Borrower 3 OriginalFICO:Experian | Borrower 3 OriginalFICO:TransUnion | Borrower 4 First Name | Borrower 4 Last Name | Borrower 4 Residency Status | Borrower 4 Self Employment Flag | Borrower 4 OriginalFICO:Equifax | Borrower 4 OriginalFICO:Experian | Borrower 4 OriginalFICO:TransUnion | Personal Guarantee | Guarantor 1 First Name | Guarantor 1 Last Name | Guarantor 1 Citizenship | Guarantor 1 Experian FICO | Guarantor 1 Equifax FICO | Guarantor 1 Trans Union FICO | Guarantor 2 First Name | Guarantor 2 Last Name | Guarantor 2 Citizenship | 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 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114029 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.291% | $1809.02 | XX/XX/XXXX | 6 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 4 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 3 | XXXX | XXXX | 3 | 3 | C-4 |  | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114030 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.167% | $2055.86 |  | 1 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | Permanent Res Alien |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114031 |  | XXXXXX | theLender | The Lender Noni Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.545% | $970.79 | XX/XX/XXXX | 6 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 10 | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 739 | 718 | 739 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3 | C-3 |  | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114032 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.603% | $998.17 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 18 |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 772 | 803 | 782 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114033 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.093% | $1601.27 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 3 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 18 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114034 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines | 03/02/2021 |  |  |  |  |  |  |  | $1607.69 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 1 |  | No |  |  |  |  | Permanent Res Alien |  | 686 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 4 | 2 | Average |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114035 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.132% | $2384.85 | XX/XX/XXXX | 60 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 3 | 3 | No |  |  |  | 1.9 | US Citizen |  |  |  |  |  |  |  | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114036 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.775% | $2642.34 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No | No |  | 2 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 730 | 728 | 725 | XXXXXX | XXXXXX | US Citizen | 755 | 772 | 733 |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 7 | 3 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114037 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines | 08/16/2021 |  |  |  |  |  |  |  | $7315.58 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 785 |  |  |  |  |  |  |  |  |  | XXXXX | Corporation |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 3 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114038 |  | XXXXXX | theLender | Noni Guidelines 3.15.21 | 05/18/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.427% | $1682.17 | XX/XX/XXXX | 60 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 10 | 10 | No |  |  |  | 2 | US Citizen | US Citizen |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114039 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines -3.2.21 | 03/02/2021 |  |  |  |  |  |  |  | $4735.06 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen | US Citizen | 703 |  |  | 1 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Employed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114040 |  | XXXXXX | theLender | Noni Guidelines | 03/15/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.318% | $1251.51 | XX/XX/XXXX | 24 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 4 | No | No |  |  | 2 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 716 | 733 | 726 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 3 | XXXX | XXXX | 4 | 3 | Average |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114041 |  | XXXXXX | theLender | NONI DSCR Guidelines | 01/20/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.035% | $4347.60 | XX/XX/XXXX | 24 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 3 | No | No |  |  | 2 |  |  |  |  |  | 1 | 1 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 686 | 710 | 637 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 3 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114042 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.002% | $1722.27 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114043 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 2.132% | $3048.96 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 7 | 10 | No | No | No |  | 2 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 730 | 728 | 715 | XXXXXX | XXXXXX | US Citizen | 711 | 762 | 733 |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 6 | 4 | Good |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114044 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.493% | $3615.74 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 5 | 5 | No | No |  |  | 2 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 708 | 694 | 703 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 3 | XXXX | XXXX | 9 | 3 | Average |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114045 |  | XXXXXX | theLender | Noni DSCR | 01/03/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 0.927% | $3019.26 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 4 | No | No |  |  | 9 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Corporation |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 781 |  | 792 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114046 |  | XXXXXX | theLender | Noni Guidelines 3.15.21 | 01/03/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.707% | $5156.09 | XX/XX/XXXX | 1 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 3 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 4 | XXXX | XXXX | 11 | 4 | C-2 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114047 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.249% | $4802.45 |  | 1 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 8 | 5 | Good |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114048 |  | XXXXXX | theLender | The Lender NONI | 01/20/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.160% | $4136.86 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 13 | 13 | No | No |  |  | 2 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 796 | 680 | 700 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114049 |  | XXXXXX | theLender | NONI DSCR Guidelines | 01/20/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.371% | $1750.69 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 13 | 13 | No | No |  |  | 6 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 796 | 680 | 700 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114050 |  | XXXXXX | theLender | NONI Guidelines 9.1.2021 | 09/01/2021 | Yes | No | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.297% | $1850.65 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 9 | 10 | No |  |  |  | 2 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 690 | 718 | 724 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114051 |  | XXXXXX | theLender | NONI DSCR Guidelines | 01/20/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.268% | $2759.22 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 7 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 700 | 700 | 694 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114052 |  | XXXXXX | theLender | Noni Guidelines 10.25.2021 | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.937% | $1549.13 |  |  | No |  | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114053 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.615% | $1547.55 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 7 | No |  |  |  | 3 | US Citizen |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-3 |  | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114054 |  | XXXXXX | theLender | Noni Guidelines 10/25/2021 | 08/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.943% | $1544.19 |  |  | No |  | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114055 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.944% | $1543.34 | XX/XX/XXXX | 6 | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 7 | No |  |  |  | 2 | US Citizen |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114056 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2022 | Yes | No |  | $XXXXXX | Rent Range | Third Party Rental Source | 1.943% | $1543.71 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 2 | No |  |  |  | 1.6 | US Citizen |  |  |  |  |  |  |  |  |  | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114057 |  | XXXXXX | theLender | Noni Guidelines 10.25.2021 | 10/25/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 1.944% | $1542.93 |  |  | No |  | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114058 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 2.150% | $744.12 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 5 | 5 | No |  |  |  | 1 |  |  |  |  |  | 1 | 1 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 697 | 696 | 664 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114059 |  | XXXXXX | theLender | The Lender Noni Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.170% | $2094.61 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 3 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114060 |  | XXXXXX | theLender | DSCR | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.623% | $4559.14 | XX/XX/XXXX | 9 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 10 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 4 | XXXX | XXXX | 14 | 14 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114061 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.431% | $1444.73 | XX/XX/XXXX | 9 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 5 | 8 | No |  |  |  | 2 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 4 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114062 |  | XXXXXX | theLender | NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.263% | $2809.86 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 4 | 7 | No | No |  |  | 3 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 711 | 689 | 737 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 4 | XXXX | XXXX | 9 | 4 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114063 |  | XXXXXX | theLender | NONI DSCR Guidelines | 08/16/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.812% | $1324.26 | XX/XX/XXXX | 11 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 8 | 8 | No |  |  |  | 11 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 6 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114064 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.391% | $1294.48 | XX/XX/XXXX | 9 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 6 | 7 | No |  |  |  | 12 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-3 |  | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114065 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.967% | $2084.64 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 3 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 675 | 688 | 703 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 5 | 2 | C-3 |  | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114066 |  | XXXXXX | theLender | Non-QM Underwriting Guidelines | 03/02/2021 |  |  |  |  |  |  |  | $1423.71 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 675 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-2 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114067 |  | XXXXXX | theLender | NONI DSCR Guidelines | 01/20/2022 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.282% | $4094.47 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Corporation |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 735 | 724 | 721 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114068 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 2.489% | $2109.26 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 19 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 761 | 750 | 733 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 3 | XXXX | XXXX | 6 | 3 | Average |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114069 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.120% | $1963.83 | XX/XX/XXXX | 24 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 2 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114070 |  | XXXXXX | theLender | Noni Guidelines | 08/16/2021 | Yes | No |  | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.948% | $4312.59 |  |  | Yes |  | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 9 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 4 | XXXX | XXXX | 8 | 4 | Average |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114071 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.948% | $4312.63 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 7 | 7 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 4 | XXXX | XXXX | 8 | 4 | Average |  | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114072 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines -3.2.21 | 03/02/2021 |  |  |  |  |  |  |  | $3527.81 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 789 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.5 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114073 |  | XXXXXX | theLender | DSCR | 10/25/2021 | Yes | No |  | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.348% | $4264.72 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 5 | 3 | C-4 | $XXXXXX | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114074 |  | XXXXXX | theLender | Noni DSCR | 10/25/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.225% | $1836.31 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 2 | No |  |  |  | 14 | US Citizen |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114075 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 01/03/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.407% | $1776.67 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 3 | 5 | No |  |  |  | 1 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114076 |  | XXXXXX | theLender | NONI Guiudelines 10.25.2021 | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.615% | $3034.24 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 2 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 647 | 689 | 699 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 4 | XXXX | XXXX | 12 | 4.1 | Average |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114077 |  | XXXXXX | theLender | Noni Guidelines | 08/16/2021 | Yes | No | $XXXXXX | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.264% | $4112.43 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 3 | No |  |  |  | 2 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 4 | XXXX | XXXX | 9 | 6 | Good |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114078 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines -3.2.21 | 03/02/2021 |  |  |  |  |  |  |  | $2224.55 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 689 |  |  |  |  |  |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3.1 | C-3 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114079 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines | 03/02/2021 |  |  |  |  |  |  |  | $1836.19 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 758 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 1 | 1.1 | C-4 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114080 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 0.931% | $2525.50 | XX/XX/XXXX | 24 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 10 | 10 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1.1 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114081 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.475% | $1965.75 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 5 | 6 | No | No |  |  | 8 |  |  |  |  |  | 0 | 0 | 0 |  |  |  | No | XXXXX | Corporation |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 759 | 796 | 801 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114082 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 0.721% | $23589.81 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No | No |  |  | 5 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 709 | 697 | 716 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 3.1 | C-2 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114083 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.392% | $5101.42 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 1 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 759 | 753 | 752 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 7 | 3 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114084 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines | 08/16/2021 | No | No |  |  |  |  | 0.000% | $2219.77 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 0 | No |  |  |  |  | US Citizen |  | 715 |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Retired |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 3 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114085 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.222% | $2372.96 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 3 | 3 | No |  |  |  |  | US Citizen | US Citizen |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 4 | 2 | Good | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114086 |  | XXXXXX | theLender | Non-QHEM Full Doc Qualifier | 03/02/2021 |  |  |  |  |  |  |  | $1386.49 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 622 |  |  |  |  |  |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114087 |  | XXXXXX | theLender | Noni Guidelines 10.25.2021 | 10/25/2021 | Yes | No |  | $XXXXXX | 1025 / 216 | Third Party Rental Source | 2.070% | $1739.55 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 720 | 709 | 696 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 3 | XXXX | XXXX | 6 | 3 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114088 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.245% | $2408.92 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1.1 | C-3 | $XXXXXX | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114089 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.659% | $3972.52 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No | No |  |  | 1 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 729 | 798 | 798 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 4 | XXXX | XXXX | 8 | 4 | Good |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114090 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.605% | $1993.92 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 3 | 10 | No |  |  |  | 2 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-1 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114091 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 2.238% | $1027.78 | XX/XX/XXXX | 36 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 2 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 675 | 676 | 660 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114092 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 2.086% | $1102.68 | XX/XX/XXXX | 36 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 3 | 3 | No | No |  |  | 2 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 704 | 674 | 675 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114093 |  | XXXXXX | theLender | Noni Guidelines 10.25.2021 | 08/16/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.717% | $2505.01 | XX/XX/XXXX | 3 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  | 2 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 4 | XXXX | XXXX | 8 | 4 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114094 |  | XXXXXX | theLender | NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.501% | $3631.50 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 703 | 644 | 690 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 4 | XXXX | XXXX | 8 | 4 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114095 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.010% | $2644.52 |  | 1 | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 17 | US Citizen |  |  |  |  | 0 | 0 | 0 | 3 | 1 | 1 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114096 |  | XXXXXX | theLender | NONI DSCR Guidelines | 01/20/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.284% | $2648.85 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 4 | 5 | No | No |  |  | 6 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 656 | 693 | 754 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 6 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114097 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines 8/16/2021 | 08/16/2021 |  |  |  |  |  |  |  | $2223.02 |  |  | No |  |  | $0.00 | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 772 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1.1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114098 |  | XXXXXX | theLender | Noni DSCR | 01/20/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 0.691% | $16652.70 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 3.1 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114099 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.158% | $1813.88 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 2 | Permanent Res Alien |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 3 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114100 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 01/03/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.189% | $1765.87 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 1 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-2 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114101 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines | 03/02/2021 |  |  |  |  |  |  |  | $3382.11 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 2 |  | No |  |  |  |  | US Citizen |  | 633 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 3 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114102 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.522% | $3417.61 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 3 | No | No | No |  | 1 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 789 | 778 | 782 | XXXXXX | XXXXXX | US Citizen | 766 | 758 | 742 |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 4 | 3.1 | C-2 |  | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114103 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.116% | $1970.70 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | Permanent Res Alien | US Citizen |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-2 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114104 |  | XXXXXX | theLender | NONI DSCR Guidelines | 01/03/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.059% | $3708.06 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 5 | 5 | No |  |  |  | 0.25 | US Citizen |  |  |  |  |  |  |  | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 4 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114105 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | No | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 2.427% | $3296.82 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 797 | 797 | 816 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 3.1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114106 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.478% | $811.77 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 6 | No |  |  |  | 2 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 674 | 705 | 682 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114107 |  | XXXXXX | theLender | NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.349% | $1260.01 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 2 | 6 | No |  |  |  | 0.7 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-2 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114108 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.802% | $1179.45 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 3 | XXXX | XXXX | 3 | 2 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114109 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.437% | $869.74 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 665 | 662 | 654 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114110 |  | XXXXXX | theLender | The LEnder NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.361% | $1800.57 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 678 | 715 | 683 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-3 |  | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114111 |  | XXXXXX | theLender | Non QHEM | 08/16/2021 |  |  |  |  |  |  |  | $4785.55 |  |  |  |  |  |  | $XXX | $XXX | No | 1 |  | No |  |  |  |  | Permanent Res Alien | US Citizen | 651 |  |  | 6 | 5 | 10 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Employed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 3.1 | C-4 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114112 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.006% | $3030.56 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114113 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.018% | $2653.39 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 2 | 3 | No |  |  |  | 15 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 3 | C-3 |  | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114114 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | No |  | $XXXXXX | 1025 / 216 | Third Party Rental Source | 3.165% | $695.00 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 728 | 743 | 724 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 6 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114115 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.123% | $2850.28 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 1 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3 | C-1 | $XXXXXX | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114116 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines | 08/16/2021 |  |  |  |  |  |  |  | $2787.80 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | Permanent Res Alien |  | 661 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2.1 | C-3 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114117 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.487% | $1714.72 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 7 | US Citizen |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 6 | 2 | Good |  | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114118 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines -3.2.21 | 03/02/2021 |  |  |  |  |  |  |  | $5497.15 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 691 |  |  | 0 | 0 | 2 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 3.1 | C-2 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114119 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.277% | $1456.23 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No | No |  |  | 21 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 712 | 746 | 728 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 5 | 2 | C-4 |  | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114120 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.570% | $1018.97 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 6 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 662 | 716 | 707 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114121 |  | XXXXXX | theLender | The Lender Noni Guidelines | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 2.525% | $3504.81 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 2 | No | No | No |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 777 | 785 | 783 | XXXXXX | XXXXXX | US Citizen | 781 | 756 | 777 |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-3 |  | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114122 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | Yes |  | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.838% | $2121.39 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 778 | 795 | 807 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 3 | XXXX | XXXX | 6 | 3 | Good | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114123 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.579% | $633.17 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114124 |  | XXXXXX | theLender | NONI DSCR Guidelines | 01/20/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.247% | $2325.98 | XX/XX/XXXX | 24 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No | No |  |  | 1 |  |  |  |  |  | 0 | 0 | 0 |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 788 | 767 | 753 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 3 | C-2 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114125 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.899% | $1000.46 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 717 | 705 | 675 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 4 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114126 |  | XXXXXX | theLender | The Lender Noni | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.485% | $1471.84 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-1 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114127 |  | XXXXXX | theLender | NONI Guidelines 10.25.2021 | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 2.022% | $2176.21 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 2.1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114128 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.062% | $4002.71 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 16 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114129 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.737% | $2532.57 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 3 | No |  |  |  | 0 | US Citizen |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114130 |  | XXXXXX | theLender | Non - QHEM Underwriting Guidelines | 08/16/2021 |  |  |  |  |  |  |  | $2441.22 |  |  |  |  |  |  | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 657 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114131 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.102% | $3266.95 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 2 | US Citizen |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114132 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.011% | $3462.29 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 5 | 5 | No |  |  |  | 9 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1.1 | C-4 |  | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114133 |  | XXXXXX | theLender | Noni Guidelines | 08/16/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.139% | $1413.71 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 2 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 3 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114134 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.227% | $1792.27 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-2 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114135 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.266% | $947.76 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 2 | No |  |  |  | 0 | US Citizen |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114136 |  | XXXXXX | theLender | NONI Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1025 / 216 | Third Party Rental Source | 2.146% | $2843.11 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No | No |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 762 | 743 | 719 | XXXXXX | XXXXXX | US Citizen | 723 | 729 | 652 |  |  | XX/XX/XXXX |  | $XXXXXXX | 3 | XXXX | XXXX | 7 | 5 | Good | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114137 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | No | $XXXXXX | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.188% | $4209.93 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 783 | 746 | 759 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 6 | 3 | Average | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114138 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.532% | $3393.55 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 2 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 3 | XXXX | XXXX | 7 | 4 | Average |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114139 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines | 03/02/2021 |  |  |  |  |  |  |  | $1493.78 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 679 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114140 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines -3.2.21 | 03/02/2021 |  |  |  |  |  |  |  | $2498.23 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 769 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114141 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.073% | $2236.65 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No | No |  |  | 25 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 776 | 779 | 756 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114142 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes | No |  | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.708% | $2108.07 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 2 | No |  |  |  | 8 | US Citizen |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 4 | 2 | Average |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114143 |  | XXXXXX | theLender | The Lender Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.305% | $1571.07 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3.1 | C-1 | $XXXXXX | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114144 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.004% | $2075.25 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 4 | 4 | No | No |  |  | 19 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 790 | 791 | 802 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114145 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.236% | $833.41 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 7 | 7 | No |  |  |  | 4 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114146 |  | XXXXXX | theLender | Noni Guidelines | 08/16/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 0.734% | $5447.13 | XX/XX/XXXX | 24 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 3 | No |  |  |  | 1 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Irrevocable Trust |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114147 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 0.635% | $7617.92 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 3 |  |  |  |  |  | 1 | 0 | 0 | 1 | 0 | 0 | No | XXXXX | Irrevocable Trust |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114148 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 0.828% | $3625.25 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114149 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.467% | $1158.57 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 6 | 7 | No | No |  |  | 2 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Corporation |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 662 | 694 | 703 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114150 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines | 03/02/2021 |  |  |  |  |  |  |  | $4093.27 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen | US Citizen | 665 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Employed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3 | C-3 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114151 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | No | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.673% | $3406.93 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 2 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114152 |  | XXXXXX | theLender | TheLender NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.487% | $1748.25 | XX/XX/XXXX | 16 | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114153 |  | XXXXXX | theLender | Noni Guidelines | 08/16/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.331% | $976.98 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 5 | 10 | No |  |  |  | 2 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1.1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114154 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.863% | $2066.68 |  | 1 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 13 | US Citizen | US Citizen |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 2 | 2 | Average |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114155 |  | XXXXXX | theLender | The Lender Noni Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.514% | $792.51 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 17 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114156 |  | XXXXXX | theLender | Non-QM Bank Statement Qualifier | 08/16/2021 |  |  |  |  |  |  |  | $3808.78 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 2 |  | No |  |  |  |  | US Citizen |  | 786 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3 | C-2 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114157 |  | XXXXXX | theLender | Noni Guidelines 10.25.2021 | 10/25/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 1.386% | $980.91 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114158 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.488% | $1546.11 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114159 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.368% | $3171.58 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 4 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 3 | XXXX | XXXX | 8 | 3.1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114160 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines | 03/02/2021 |  |  |  |  |  |  |  | $2838.68 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 2 |  | No |  |  |  |  | Permanent Res Alien |  | 739 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114161 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.341% | $3580.75 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 20 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 4 | XXXX | XXXX | 8 | 4 | Average |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114162 |  | XXXXXX | theLender | Noni Guidelines | 08/16/2021 | Yes | No | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.252% | $918.63 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 4 | 5 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 753 | 695 | 708 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1.1 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114163 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.716% | $812.76 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 790 | 797 | 777 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-2 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114164 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.064% | $2067.76 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 24 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Inter-Vivos Revocable Trust |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 796 | 788 | 785 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114165 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 01/03/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.064% | $1550.66 | XX/XX/XXXX | 15 | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 3 | 3 | No |  |  |  | 3 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114166 |  | XXXXXX | theLender | Noni Guidelines | 08/16/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 0.669% | $5384.66 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-2 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114167 |  | XXXXXX | theLender | NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 2.172% | $2140.64 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 5 | 6 | No |  |  |  | 1 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 736 | 708 | 679 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 3 | XXXX | XXXX | 9 | 3 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114168 |  | XXXXXX | theLender | NONI Guidelines 10.25.2021 | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 2.084% | $4075.35 | XX/XX/XXXX | 1 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 1 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 9 | 5 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114169 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 0.898% | $2005.36 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No | No |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 745 | 758 | 757 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-4 | $XXXXXX | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114170 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | No | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 0.648% | $1852.62 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 3 | 3 | No |  |  |  | 1 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 3 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114171 |  | XXXXXX | theLender | NONI Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 2.019% | $1411.45 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 4 | 7 | No |  |  |  | 1.5 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 6 | 3 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114172 |  | XXXXXX | theLender | The Lender Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.026% | $3702.26 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen | US Citizen |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 4 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114001 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.346% | $813.65 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 3 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 3 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114173 |  | XXXXXX | theLender | Noni Guidelines 10.25.2021 | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 0.655% | $6108.63 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen | US Citizen |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX | Individual | XXXXX | XXXXX |  | XXXXX | XXXXX | US Citizen |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 3.1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114174 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.375% | $1818.24 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 5 | No | No |  |  | 2 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 667 | 630 | 668 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 2 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114175 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.212% | $3053.82 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114176 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines | 03/02/2021 |  |  |  |  |  |  |  | $4296.30 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 1 |  | No |  |  |  |  | Permanent Res Alien |  | 708 |  |  | 2 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 3 | C-2 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114177 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes | No |  | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.256% | $1990.15 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 713 | 701 | 705 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 6 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114178 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2022 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 0.907% | $2316.24 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 719 | 785 | 784 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 0 | 1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114179 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.109% | $1803.81 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 5 | 5 | No |  |  |  | 1 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 1 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114180 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.031% | $1164.46 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114181 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.095% | $1918.67 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114182 |  | XXXXXX | theLender | NONI DSCR Guidelines | 01/03/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.353% | $924.05 | XX/XX/XXXX | 1 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 3.25 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114183 |  | XXXXXX | theLender | NONI Guidelines 10.25.2021 | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.455% | $1443.56 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2.1 | C-2 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114184 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.545% | $1132.72 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 2 | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 712 | 715 | 717 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-4 |  | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114185 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.041% | $2978.34 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2.1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114186 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.073% | $4232.96 |  | 1 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 3 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114187 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.306% | $1531.54 | XX/XX/XXXX | 36 | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-3 |  | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114188 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Third Party Rental Source | 2.918% | $1242.33 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 714 | 754 | 774 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 4 | XXXX | XXXX | 4 | 4 | Average | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114189 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.123% | $3918.54 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 3 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2.1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114002 |  | XXXXXX | theLender | Loanstar The Lender NONI Guidelines | 01/20/2022 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 1.213% | $2637.01 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 736 | 735 | 740 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 4 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114190 |  | XXXXXX | theLender | Noni Guidelines | 08/16/2021 | Yes | No | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.324% | $1378.00 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-1 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114191 |  | XXXXXX | theLender | TheLender Noni Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.148% | $1132.33 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 1 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 617 | 693 | 703 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114192 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.477% | $710.92 | XX/XX/XXXX | 24 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 9 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | Yes | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114193 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes |  |  | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.792% | $1451.08 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 10 | 10 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 712 | 737 | 720 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 4 | XXXX | XXXX | 8 | 4 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114194 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.133% | $2361.85 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No | No |  |  | 0.5 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | S-Corporation |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 753 | 782 | 780 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2.1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114195 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.457% | $1784.55 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114196 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.197% | $1503.76 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen | Permanent Res Alien |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114197 |  | XXXXXX | theLender | NONI Guidelines 10.25.2021 | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.077% | $3250.43 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 1 | US Citizen |  |  |  |  | 0 | 0 | 0 |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-2 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114198 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.106% | $1355.65 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 713 | 723 | 731 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114199 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines -3.2.21 | 03/02/2021 |  |  |  |  |  |  |  | $5111.89 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 6 |  | No |  |  |  |  | US Citizen | US Citizen | 751 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Employed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114200 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | No | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 2.386% | $796.20 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 5 | 5 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-1 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114201 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines -3.2.21 | 03/02/2021 |  |  |  |  |  |  |  | $4809.67 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 2 |  | No |  |  |  |  | US Citizen |  | 758 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 3.1 | C-3 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114202 |  | XXXXXX | theLender | NONI | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.171% | $2306.21 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 3 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114203 |  | XXXXXX | theLender | Noni Guidelines 10.25.2021 | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.197% | $1420.28 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114204 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 0.862% | $2551.24 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 3 | 6 | No |  |  |  | 0 | US Citizen | US Citizen |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 1 | 1 | C-2 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114205 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 3.292% | $607.51 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 5 | 5 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-1 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114206 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1025 / 216 | Third Party Rental Source | 2.078% | $2309.51 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 9 | Permanent Res Alien |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 4 | 3 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114207 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.338% | $672.46 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 9 | 10 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 760 | 761 | 781 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114208 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.176% | $2040.42 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Corporation |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 753 | 782 | 780 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114209 |  | XXXXXX | theLender | Noni DSCR | 01/20/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.311% | $1677.67 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 4 | 4 | No |  |  |  | 1 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 3 | C-2 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114210 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines | 03/02/2021 |  |  |  |  |  |  |  | $2372.78 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 660 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114211 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines-3.2.21 | 03/02/2021 |  |  |  |  |  |  |  | $6484.04 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 4 |  | No |  |  |  |  | US Citizen | US Citizen | 761 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Employed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 3 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114212 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.222% | $1432.31 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114213 |  | XXXXXX | theLender | The Lender NONI Guideline | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.103% | $4306.76 | XX/XX/XXXX | 12 | No |  | No |  | $XXX | $XXX | No | 5 | 5 | No |  |  |  | 14 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 3 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114214 |  | XXXXXX | theLender | NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.239% | $1533.34 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 8 | 10 | No |  |  |  | 16 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Irrevocable Trust |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2.1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114215 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 2.515% | $5062.58 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No | No | No |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 696 | 724 | 705 | XXXXXX | XXXXXX | US Citizen | 749 | 724 |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-3 | $XXXXXX | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114216 |  | XXXXXX | theLender | NONI Guidelines 10.25.2021 | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.051% | $1474.91 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 1 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 691 | 703 | 676 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114217 |  | XXXXXX | theLender | NONI Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.001% | $2946.37 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 7 | 5.1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114218 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.666% | $3602.02 | XX/XX/XXXX | 1 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 2 | Permanent Res Alien |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 4 | XXXX | XXXX | 9 | 4 | Average |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114219 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.107% | $2704.64 | XX/XX/XXXX | 120 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 4 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114220 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines | 03/02/2021 |  |  |  |  |  |  |  | $3215.10 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen | US Citizen | 739 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Employed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2.1 | C-4 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114221 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | No |  | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.007% | $5463.08 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 4 | 4 | No |  |  |  |  | US Citizen | Permanent Res Alien |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 4 | 3 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114222 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 2.113% | $4259.66 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen | US Citizen |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114223 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines -3.2.21 | 03/02/2021 |  |  |  |  |  |  |  | $3065.46 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen | US Citizen | 801 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Unemployed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3.1 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114224 |  | XXXXXX | theLender | Noni Guidelines | 11/12/2020 | Yes | No | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.384% | $2384.28 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 660 | 692 | 722 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114225 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 0.950% | $2763.40 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen | US Citizen |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 6 | 3 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114226 |  | XXXXXX | theLender | The Lender Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.124% | $1601.40 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 3.1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114227 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.019% | $3926.74 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 16 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 3 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114228 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.209% | $2316.17 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | Permanent Res Alien |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114229 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.564% | $990.99 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114230 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.458% | $3087.32 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 3.1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114231 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | No | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.316% | $1824.25 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 3.1 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114232 |  | XXXXXX | theLender | TheLender NONI Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.034% | $3505.02 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 26 | 11 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 3 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114233 |  | XXXXXX | theLender | Non-QM Bank Statement Qualifier | 08/16/2021 |  |  |  |  |  |  |  | $4627.67 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 669 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 3 | C-4 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114234 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.249% | $2401.81 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114235 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.212% | $2475.44 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 3 | 4 | No |  |  |  | 2 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3 | C-2 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114236 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 2.270% | $1321.81 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen | US Citizen |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX | Individual | XXXXX | XXXXX |  | XXXXX | XXXXX | US Citizen |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114237 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | Rent Range | Third Party Rental Source | 1.321% | $795.14 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 6 | 6 | No | No |  |  | 15 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 821 | 809 | 807 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 1 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114238 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.112% | $719.70 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 3 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 821 | 809 | 807 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 1 | 1 | Average |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114239 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.532% | $1041.25 | XX/XX/XXXX | 21 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 2 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 781 | 790 | 766 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114003 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.541% | $1297.53 | XX/XX/XXXX | 96 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 4 | No | No |  |  | 9 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 737 | 698 | 711 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 6 | 2 | Average |  | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114240 |  | XXXXXX | theLender | NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.479% | $3515.83 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 4 | 8 | No | No |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 768 | 712 | 717 | XXXXXX | XXXXXX |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 3 | XXXX | XXXX | 4 | 3 | Good | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114241 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | No | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.395% | $1146.76 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 6 | 7 | No | No |  |  | 2 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Corporation |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 662 | 694 | 703 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114242 |  | XXXXXX | theLender | NONI DSCR Guidelines | 01/20/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.159% | $949.50 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No | No |  |  | 4 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 698 | 705 | 689 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114243 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 0.952% | $1523.48 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 2 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-2 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114244 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes |  |  | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.026% | $4190.53 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 5 | 2 | Average | $XXXXXX | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114245 |  | XXXXXX | theLender | The Lender Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.339% | $1643.58 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114246 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.053% | $3013.88 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 3 | No |  |  |  |  | US Citizen | US Citizen |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114247 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.711% | $1519.78 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 4 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 775 | 748 | 738 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114248 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.332% | $2101.54 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2.1 | C-1 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114249 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines -3.2.21 | 03/02/2021 |  |  |  |  |  |  |  | $1141.96 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 788 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 3 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114250 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.222% | $3736.99 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 8 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 4 | XXXX | XXXX | 11 | 4 | Average |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114251 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.512% | $1610.88 | XX/XX/XXXX | 1 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 5 | 6 | No | No |  |  | 4 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 813 | 787 | 780 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 3 | XXXX | XXXX | 3 | 3 | Average |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114252 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.153% | $694.13 | XX/XX/XXXX | 13 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 2 | No |  |  |  | 0.5 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1.1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114253 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.215% | $6585.63 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 3 | 3 | No | No | No |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 686 | 710 | 676 | XXXXXX | XXXXXX | US Citizen | 805 | 803 | 779 |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3.2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114254 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.587% | $2363.38 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 4 | XXXX | XXXX | 13 | 5 | Average |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114255 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 01/03/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.142% | $1072.62 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No | No |  |  | 3 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 653 | 668 | 740 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114256 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.467% | $2454.74 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 3 | 3 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | Average |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114257 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.406% | $1031.65 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 3 | 4 | No |  |  |  | 12 | US Citizen |  |  |  |  | 0 | 0 | 0 |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114258 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.280% | $1563.02 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 4 | 4 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114259 |  | XXXXXX | theLender | NONI Guidelines 10.25.2021 | 10/25/2021 | Yes | No |  | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.131% | $3581.26 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No | No |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 718 | 702 | 729 | XXXXXX | XXXXXX | US Citizen | 713 | 705 | 718 |  |  | XX/XX/XXXX |  | $XXXXXXX | 3 | XXXX | XXXX | 5 | 3.1 | Good | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114260 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 2.425% | $12906.13 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 7 | 8 | C-2 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114261 |  | XXXXXX | theLender | NONI Guidelines | 01/20/2022 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.210% | $2899.72 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen | US Citizen |  |  |  | 0 | 0 | 0 |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114262 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines -3.2.21 | 03/02/2021 |  |  |  |  |  |  |  | $1847.06 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 672 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-4 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114263 |  | XXXXXX | theLender | Non-QM Underwriting Guidelines | 03/02/2021 |  |  |  |  |  |  |  | $4297.25 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 771 |  |  |  |  |  |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-3 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114264 |  | XXXXXX | theLender | NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.683% | $772.25 | XX/XX/XXXX | 36 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 0.5 | US Citizen |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114265 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines | 03/02/2021 |  |  |  |  |  |  |  | $7531.72 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 703 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114266 |  | XXXXXX | theLender | NONI DSCR Guidelines | 01/20/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.546% | $808.55 | XX/XX/XXXX | 60 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 5 | No | No |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 717 | 756 | 752 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114267 |  | XXXXXX | theLender | Non-QHEM Guidelines | 08/16/2021 |  |  |  |  |  |  |  | $2502.08 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 796 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114268 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.030% | $1941.69 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114269 |  | XXXXXX | theLender | Noni Guidelines 11.12.20 | 10/25/2021 | Yes | No | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.312% | $1274.78 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114270 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.379% | $1450.74 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 7 | 7 | No |  |  |  | 0 | US Citizen |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114271 |  | XXXXXX | theLender | Noni Guidelines | 08/16/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.071% | $1634.07 | XX/XX/XXXX | 6 | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 8 | 8 | No |  |  |  | 2 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 2 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114004 |  | XXXXXX | theLender | NONI Guidelines 10.25.2021 | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.000% | $2899.94 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3 | C-2 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114272 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.235% | $1700.35 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 4 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114273 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.678% | $894.06 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 10 | No | No |  |  | 2 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 748 | 751 | 772 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114274 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.023% | $1662.42 |  |  | Yes |  | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114275 |  | XXXXXX | theLender | HEM Non-QHEM Guidelines 3.2.2021 | 03/02/2021 |  |  |  |  |  |  |  | $12614.85 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 2 |  | No |  |  |  |  | US Citizen |  | 762 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 3 | C-3 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114276 |  | XXXXXX | theLender | Noni Guidelines | 08/16/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.464% | $4440.25 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 3 | No |  |  |  | 4.11 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Inter-Vivos Revocable Trust |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 3 | XXXX | XXXX | 4 | 3 | Good |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114277 |  | XXXXXX | theLender | Noni Guidelines 11.12.20 | 01/03/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 0.920% | $1847.12 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 3 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114278 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.212% | $12372.27 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 4.1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114279 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.176% | $8075.68 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 |  |  |  | No | XXXXX | Inter-Vivos Revocable Trust |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 6 | 7 | C-2 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114280 |  | XXXXXX | theLender | NONI DSCR Guidelines | 01/03/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.619% | $1265.85 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 2 | No | No |  |  | 0.5 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 791 | 816 | 800 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 6 | 2 | Average |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114281 |  | XXXXXX | theLender | Noni DSCR | 01/03/2022 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.081% | $3007.50 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2.1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114282 |  | XXXXXX | theLender | Noni Guidelines | 08/16/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.119% | $2815.41 | XX/XX/XXXX | 1 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 3 | 2 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114283 |  | XXXXXX | theLender | Noni Guidelines | 11/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 0.765% | $4050.49 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2.1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114284 |  | XXXXXX | theLender | NONI Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.113% | $2422.21 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 2 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2.1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114285 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.194% | $3099.73 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114286 |  | XXXXXX | theLender | NONI Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.165% | $1974.03 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 2 | 2 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114287 |  | XXXXXX | theLender | NONI DSCR Guidelines | 01/20/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.000% | $5499.20 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 2 | US Citizen |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114288 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.182% | $1010.92 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 809 | 805 | 812 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114289 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | No | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 1.201% | $1144.45 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 4 | 5 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 690 | 673 | 697 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114290 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.137% | $2023.45 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114005 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.380% | $2354.41 | XX/XX/XXXX | 25 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 15 | US Citizen |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114291 |  | XXXXXX | theLender | Loanstar The Lender NONI Guidelines | 01/20/2022 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.541% | $1232.87 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 6 | 3 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114292 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 0.884% | $2149.76 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114293 |  | XXXXXX | theLender | Non-QM Bank Statement Qualifier | 08/16/2021 |  |  |  |  |  |  |  | $2999.18 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 1 |  | No |  |  |  |  | Permanent Res Alien |  | 715 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 3 | C-3 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114294 |  | XXXXXX | theLender | Non-QM Bank Statement Qualifier | 08/16/2021 |  |  |  |  |  |  |  | $4775.46 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen | US Citizen | 743 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Employed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-3 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114295 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.285% | $3112.32 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 3 | No | No |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Corporation |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 647 | 614 | 658 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 4 | C-2 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114296 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.131% | $1680.45 | XX/XX/XXXX | 24 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 8 | 9 | No | No |  |  | 4 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 704 | 657 | 705 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1.1 | C-4 |  | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114297 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 01/03/2022 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.062% | $3060.42 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114298 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.289% | $1628.55 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 5 | 6 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114299 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.390% | $3597.29 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114300 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines -3.2.21 | 03/02/2021 |  |  |  |  |  |  |  | $6143.20 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen | US Citizen | 707 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Employed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 3 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114301 |  | XXXXXX | theLender | Non-QHEM Underwriting guidelines | 02/24/2021 |  |  |  |  |  |  |  | $2369.30 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 2 |  | No |  |  |  |  | US Citizen |  | 672 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 6 | 3 | C-3 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114302 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines | 03/01/2021 |  |  |  |  |  |  |  | $1972.49 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 725 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114303 |  | XXXXXX | theLender | Non-QM Bank Statement Qualifier | 08/16/2021 |  |  |  |  |  |  |  | $6857.61 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | Non-Resident Alien | Non-Resident Alien | 752 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Employed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 1 | 1 | C-3 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114304 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 01/03/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.753% | $741.61 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 3 | 3 | No | No |  |  | 3 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 795 | 744 | 801 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114305 |  | XXXXXX | theLender | LoanStar NQHEM 30-year Fixed ALT Doc | 08/16/2021 |  |  |  |  |  |  |  | $1887.42 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 695 |  |  |  |  |  |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-2 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114306 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.229% | $854.58 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 3 | 3 | No | No |  |  | 2 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 795 | 744 | 801 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114307 |  | XXXXXX | theLender | NONI DSCR Guidelines | 01/03/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 2.518% | $714.79 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 4 | No |  |  |  | 8 | US Citizen |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114308 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | No | $XXXXXX | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.460% | $2397.01 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 3 | 3 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 5 | 2 | Average | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114309 |  | XXXXXX | theLender | NONI Guidelines 10.25.2021 | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.079% | $1853.19 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen | US Citizen |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114310 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.373% | $1252.72 |  | 1 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No | No |  | 6 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 795 | 778 | 795 | XXXXXX | XXXXXX | US Citizen | 789 | 753 | 753 |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114311 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.122% | $2139.58 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 779 | 764 | 764 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114312 |  | XXXXXX | theLender | NONI Guidelines 10.25.2021 | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.546% | $905.39 |  |  | No |  | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114313 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 1.020% | $1323.37 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 2 | 2 | No |  |  |  |  | Permanent Res Alien |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114314 |  | XXXXXX | theLender | NONI Guidelines 10.25.2021 | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.551% | $902.52 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114315 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.497% | $2204.01 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 3 | 3 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114316 |  | XXXXXX | theLender | NONI DSCR Guidelines | 01/03/2022 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.157% | $4925.78 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 8 | 9 | No | No |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 773 | 746 | 757 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | Average | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114317 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.273% | $9817.60 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0 |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 698 | 724 | 689 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3 | C-3 |  | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114318 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.965% | $3510.63 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 10 | 10 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 8 | 7 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114319 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.062% | $1789.49 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 | $XXXXXX | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114006 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes |  |  | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.397% | $3220.91 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 4 | 4 | No |  |  |  |  | US Citizen | US Citizen |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 3 | 2 | Average | $XXXXXX | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114320 |  | XXXXXX | theLender | Noni Guidelines 11.12.20 | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 0.970% | $1752.63 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 4 | 10 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 7 | 2 | Average | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114007 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.195% | $2929.61 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen | US Citizen |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114321 |  | XXXXXX | theLender | Loanstar Thelender NONI Guidelines | 01/20/2022 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.245% | $1445.85 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 1 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114322 |  | XXXXXX | theLender | Non QM Bank Statements | 02/24/2021 |  |  |  |  |  |  |  | $5480.66 |  |  |  |  |  |  | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen | US Citizen | 727 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Employed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3 | C-4 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114323 |  | XXXXXX | theLender | NONI Guidelines 10.25.2021 | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.074% | $1768.67 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 2 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3 | C-1 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114324 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | No | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.296% | $4631.26 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 2 | No | No |  |  | 2 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Corporation |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 698 | 724 | 689 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 4 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114325 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.034% | $4350.56 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114326 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines -3.2.21 | 03/02/2021 |  |  |  |  |  |  |  | $4443.30 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 3 |  | No |  |  |  |  | US Citizen | US Citizen | 692 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Employed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 2.1 | C-3 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114327 |  | XXXXXX | theLender | NONI DSCR Guidelines | 01/20/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.501% | $1598.41 | XX/XX/XXXX | 1 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 3 | 3 | No |  |  |  | 7 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 4 | XXXX | XXXX | 6 | 4 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114328 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 0.917% | $3163.50 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 3 | 3 | No |  |  |  | 1 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | Average |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114329 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.418% | $987.51 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 2 | No |  |  |  | 0.8 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114330 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.296% | $1697.18 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  | 1 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114008 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.323% | $1927.69 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3.1 | C-1 | $XXXXXX | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114331 |  | XXXXXX | theLender | Noni Guidelines 11.12.20 | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.662% | $1383.70 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 5 | 8 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114332 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines -3.2.21 | 03/02/2021 |  |  |  |  |  |  |  | $2627.75 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 754 |  |  |  |  |  |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114333 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines -3.2.21 | 03/02/2021 |  |  |  |  |  |  |  | $5203.46 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 797 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114334 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 01/03/2022 | Yes | No | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.060% | $4246.10 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 3 | 3 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 4.1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114335 |  | XXXXXX | theLender | NONI DSCR Guidelines | 01/20/2022 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.618% | $19773.03 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 713 | 707 | 746 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3.1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114336 |  | XXXXXX | theLender | NONI DSCR Guidelines | 01/20/2022 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.330% | $6314.39 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 5 | 8 | No | No | No |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 740 | 759 | 745 | XXXXXX | XXXXXX | US Citizen | 756 | 770 | 788 |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3.1 | C-2 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114337 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.182% | $2622.41 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114338 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.801% | $1471.61 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 2 | No |  |  |  | 6 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 4 | XXXX | XXXX | 8 | 4 | Average |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114339 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines -3.2.21 | 03/02/2021 |  |  |  |  |  |  |  | $1946.34 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 673 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-2 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114340 |  | XXXXXX | theLender | Noni DSCR | 01/20/2022 | Yes |  |  | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.698% | $1648.92 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 2 | No | No |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 736 | 713 | 729 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 3 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114341 |  | XXXXXX | theLender | NQHEM 30 Yr Fixed ALT Doc | 01/17/2022 |  |  |  |  |  |  |  | $1239.95 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 715 |  |  |  |  |  |  |  |  |  | XXXXX | Revocable Trust |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2.1 | C-3 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114342 |  | XXXXXX | theLender | NQHEM 30 Yr Fixed ALT Doc | 02/11/2022 |  |  |  |  |  |  |  | $3903.17 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 788 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114343 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | No | $XXXXXX | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.464% | $2459.36 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 778 | 782 | 751 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 3 | XXXX | XXXX | 7 | 3 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114344 |  | XXXXXX | theLender | NQHEM 30 Yr Fixed ALT Doc asset qualifier | 01/21/2022 |  |  |  |  |  |  |  | $1692.52 |  |  |  |  |  |  | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen | US Citizen | 746 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114345 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines -3.2.21 | 03/02/2021 |  |  |  |  |  |  |  | $5517.22 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 735 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3 | C-3 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114346 |  | XXXXXX | theLender | Non QM Bank Statements 8/16/21 | 08/16/2021 |  |  |  |  |  |  |  | $2372.86 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 727 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114347 |  | XXXXXX | theLender | NONI DSCR Guidelines | 01/20/2022 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.361% | $1947.64 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 7 | No |  |  |  | 0 | US Citizen |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114348 |  | XXXXXX | theLender | NONI DSCR Guidelines | 01/20/2022 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.559% | $8659.81 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 4.1 | C-2 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114349 |  | XXXXXX | theLender | NONI DSCR Guidelines | 01/20/2022 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.081% | $1179.59 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 4 | 6 | No | No |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Corporation |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 774 | 768 | 758 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114350 |  | XXXXXX | theLender | NONI DSCR Guidelines | 01/20/2022 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.042% | $9214.78 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 4 | No | No |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 710 | 751 | 760 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 3.1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114351 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 1.805% | $792.37 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No | No |  |  | 1.5 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 728 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114352 |  | XXXXXX | LendingHome | LendingHome Rental Loan Investment | 05/01/2021 | Yes | No | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 5.223% | $497.78 | XX/XX/XXXX | 1 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No | No |  |  | 2 |  |  |  |  |  | 0 | 0 | 0 |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 785 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 4 | 4 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114353 |  | XXXXXX | LendingHome | LendingHome Rental Loan Investment Property GL | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.110% | $2251.70 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114354 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 1.486% | $840.93 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 749 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1.1 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114355 |  | XXXXXX | LendingHome | LendingHome | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 2.167% | $862.78 | XX/XX/XXXX | 12 | No |  | No |  | $XXX | $XXX | No | 2 | 2 | No | No |  |  | 0.75 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | Permanent Res Alien | 749 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1.1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114009 |  | XXXXXX | LendingHome | Rental Loan Guidelines-May 2021 | 05/01/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.395% | $788.78 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 1 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 790 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114010 |  | XXXXXX | LendingHome | LendingHomes Rental Loan Investment Property GL | 05/18/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 0.948% | $6015.27 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 1.3 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 4 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114356 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Third Party Rental Source | 2.555% | $2238.43 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 2 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 758 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 4 | XXXX | XXXX | 10 | 8 | C-2 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114011 |  | XXXXXX | LendingHome | LendingHome/Rental Loan Inv. Property Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.001% | $649.29 | XX/XX/XXXX | 13 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 3 | 3 | No | No |  |  | 1 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | Yes | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 705 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114357 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 1.378% | $816.11 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No | No |  |  | 0.75 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 755 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114012 |  | XXXXXX | LendingHome | LoanStar Lending Home DSCR | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.544% | $647.85 | XX/XX/XXXX | 12 | No |  | No |  | $XXX | $XXX | No | 3 | 3 | No | No |  |  | 0.08 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Corporation |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 747 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114358 |  | XXXXXX | LendingHome | RentalOne Guidelines | 05/01/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.680% | $595.34 |  |  | No |  | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 799 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114359 |  | XXXXXX | LendingHome | Rental Loan investment property guideline | 05/18/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.901% | $1788.55 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 681 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 6 | 4.5 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114013 |  | XXXXXX | LendingHome | LendingHome | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 1.401% | $749.63 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 4 | 10 | No | No |  |  | 0.5 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 756 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | Good |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114360 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.022% | $1664.02 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 3 | No | No |  |  | 8 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 716 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114361 |  | XXXXXX | LendingHome | LendingHome Rental Loan Investment | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 1.179% | $1585.72 | XX/XX/XXXX | 24 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 2 | US Citizen |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114014 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.303% | $997.77 |  |  | No |  | No |  | $XXX | $XXX | No | 3 | 3 | No | No |  |  | 1 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 789 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | Average |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114362 |  | XXXXXX | LendingHome | Rental Loan Guidelines | 06/17/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Third Party Rental Source | 2.158% | $2757.35 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 3 | 7 | No | No |  |  | 1 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 741 | 741 | 741 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 3 | XXXX | XXXX | 6 | 3 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114363 |  | XXXXXX | LendingHome | LendingHome | 05/01/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.314% | $761.12 |  |  | No |  | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0.6 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 714 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | Good |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114364 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.395% | $1182.59 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 1 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 790 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114365 |  | XXXXXX | LendingHome | Loanstar Lendinghome Guidelines | 05/01/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 2.671% | $468.03 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 725 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1.1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114366 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/18/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 0.737% | $5695.83 | XX/XX/XXXX | 24 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 6 | 6 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114367 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | No | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 1.882% | $504.88 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 712 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114368 |  | XXXXXX | LendingHome | LendingHome Rental Loan Investment Property | 05/21/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 1.517% | $942.79 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 2 | No | No |  |  | 1 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 712 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114369 |  | XXXXXX | LendingHome | LendingHome | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.788% | $1286.51 | XX/XX/XXXX | 12 | No |  | No |  | $XXX | $XXX | No | 2 | 2 | No | No |  |  | 12 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 721 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 4 | XXXX | XXXX | 9 | 4 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114370 |  | XXXXXX | LendingHome | LoanStar LendingHome DSCR | 05/01/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 1.655% | $498.54 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0.5 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 721 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 1 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114371 |  | XXXXXX | LendingHome | NONI | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 0.903% | $1705.28 | XX/XX/XXXX | 1 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 4 | 27 | No |  |  |  | 6 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114372 |  | XXXXXX | LendingHome | Rental Loan Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.355% | $700.97 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No | No |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 735 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114373 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guildlines | 05/01/2021 | Yes | No | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 1.670% | $898.35 |  |  | No |  | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 764 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114374 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 1.441% | $1401.06 | XX/XX/XXXX | 1 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Corporation |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114015 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.572% | $1335.73 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 1 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 4 | 2 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114375 |  | XXXXXX | LendingHome | Rental Loans Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.413% | $1238.76 | XX/XX/XXXX | 24 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 14 | 17 | No | No |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 788 |  | XXXXXX | XXXXXX |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114376 |  | XXXXXX | LendingHome | LendingHome Rental Loan Program GL | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.167% | $728.65 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 4 | 4 | No | No |  |  | 3 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 697 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114377 |  | XXXXXX | LendingHome | Rental Loan Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.386% | $793.93 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 5 | 5 | No |  |  |  | 1 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114378 |  | XXXXXX | LendingHome | Rental Loan Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 0.869% | $2444.06 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  |  |  |  |  |  |  | 1 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 714 |  | XXXXXX | XXXXXX |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 6 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114379 |  | XXXXXX | LendingHome | Rental Loan Guidelines | 09/07/2021 | Yes | No | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.529% | $1046.61 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 1 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 723 | 723 | 723 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2.1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114380 |  | XXXXXX | LendingHome | LoanStar Lendinghome Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.104% | $2835.81 |  | 0 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 702 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 4 | XXXX | XXXX | 7 | 5 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114381 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.153% | $1127.35 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 5 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 720 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114382 |  | XXXXXX | LendingHome | LendingHome rental loan Investment Prop GL | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.161% | $1610.48 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No | No |  |  | 0.5 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Corporation |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114383 |  | XXXXXX | LendingHome | Investor X | 07/01/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.155% | $2475.67 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 769 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3 | C-2 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114384 |  | XXXXXX | LendingHome | Rental Loan Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.457% | $617.51 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 4 | 5 | No |  |  |  | 6 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114385 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guildlines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 2.030% | $443.32 | XX/XX/XXXX | 1 | No |  | No |  | $XXX | $XXX | No | 4 | 5 | No |  |  |  | 3 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 2 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114386 |  | XXXXXX | LendingHome | LendingHome Rental Loan Investment | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.384% | $1184.93 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0.5 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 748 | 748 | 748 | XXXXXX | XXXXXX |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114387 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.474% | $1085.55 | XX/XX/XXXX | 13 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 3 | 3 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 748 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114388 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.056% | $1106.51 | XX/XX/XXXX | 24 | Yes | $XXXXXX.XX |  |  | $XXX | $XXX | No | 4 | 5 | No | No |  |  | 3 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 679 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114389 |  | XXXXXX | LendingHome | LendingHome Rental Loan Incestment GL | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.071% | $1120.58 |  | 0 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 2 | No | No |  |  | 0.8 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  |  | 726 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114390 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.573% | $982.25 | XX/XX/XXXX | 24 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 3 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 724 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114391 |  | XXXXXX | LendingHome | Lending Home Rental Loan Investment | 05/21/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 1.218% | $993.31 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 3 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 682 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 6 | 2.1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114392 |  | XXXXXX | LendingHome | Loanstar Lendinghome Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.471% | $611.76 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 2 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114016 |  | XXXXXX | LendingHome | Noni DSCR | 07/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 1.502% | $666.24 | XX/XX/XXXX | 24 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 779 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114017 |  | XXXXXX | LendingHome | LendingHome Rental Loan Investment | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.609% | $1988.54 | XX/XX/XXXX | 1 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 9 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 4 | 2 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114393 |  | XXXXXX | LendingHome | LoanStar Lendinghome Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.513% | $2115.49 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 2 |  |  |  |  |  | 0 | 0 | 0 | 1 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 735 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2.1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114394 |  | XXXXXX | LendingHome | Rental loan guidelines | 05/01/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 2.109% | $474.25 |  |  | No |  | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  |  | 689 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114395 |  | XXXXXX | LendingHome | Investor X | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 1.126% | $1954.17 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0.7 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 731 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114396 |  | XXXXXX | LendingHome | Rental Loan Investment Property | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.680% | $714.38 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0.5 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 777 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1.1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114028 |  | XXXXXX | LendingHome | Investor X | 07/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.342% | $670.74 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 4 |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 730 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114397 |  | XXXXXX | LendingHome | Investor X | 07/01/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 1.626% | $1251.50 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 2 |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 700 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-2 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114398 |  | XXXXXX | LendingHome | Rental Loan Guidelines-May 2021 | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 1.128% | $3315.49 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 2 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114399 |  | XXXXXX | LendingHome | LoanStar Lendinghome Guidelines | 05/01/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 1.648% | $1213.47 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 748 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 6 | 2 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114400 |  | XXXXXX | LendingHome | Investor X | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.475% | $983.22 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 4 | 4 | No |  |  |  | 0.5 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 748 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 2 | 2 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114401 |  | XXXXXX | LendingHome | LoanStar Lendinghome Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.650% | $848.53 |  | 0 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Corporation |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 791 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114402 |  | XXXXXX | LendingHome | Loanstar Lendinghome Guidelines | 05/01/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 1.360% | $1212.81 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0 |  |  |  |  |  | 1 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 697 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114403 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 2.041% | $522.18 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 4 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 676 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-3 |  | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114404 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 1.828% | $538.80 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 3 | Good | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114018 |  | XXXXXX | LendingHome | LendingHome Rental Loan Investment | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.535% | $609.05 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 2 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 776 | 776 | 776 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114019 |  | XXXXXX | LendingHome | LendingHome Rental Loan Investment | 05/01/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 2.017% | $693.98 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0.5 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 742 | 742 | 742 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114405 |  | XXXXXX | LendingHome | LoanStar Lendinghome Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.018% | $1767.63 | XX/XX/XXXX | 36 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 1 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 709 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114406 |  | XXXXXX | LendingHome | Rental Loan Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.618% | $556.15 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 1 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Corporation |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 779 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114407 |  | XXXXXX | LendingHome | Rental Loan Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.793% | $474.04 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Corporation |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 779 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114408 |  | XXXXXX | LendingHome | Rental Loan Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 1.823% | $407.19 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0.7 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Corporation |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 779 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114409 |  | XXXXXX | LendingHome | Loanstar Lendinghome Guidelines | 05/01/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.896% | $580.05 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 706 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114410 |  | XXXXXX | LendingHome | Rental Loan Guidelines | 05/01/2021 | Yes | No |  | $XXXXXX | Other | Rent On Existing Lease | 1.401% | $820.93 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114411 |  | XXXXXX | LendingHome | LendingHome Rental Loan Investment Property GL | 05/01/2021 | Yes | No |  | $XXXXXX | Rent Range | Third Party Rental Source | 1.598% | $1157.71 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 1 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 729 | 729 | 729 | XXXXXX | XXXXXX |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114412 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.825% | $1974.89 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 4 | 4 | No | No |  |  | 0.6 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 775 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 4 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114413 |  | XXXXXX | LendingHome | LoanStar Lendinghome Guidelines | 05/01/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 1.136% | $3169.76 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0.7 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 785 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114414 |  | XXXXXX | LendingHome | LendingHome Rental Loan Investment | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.205% | $1161.93 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 1 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114415 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 1.903% | $2311.93 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Corporation |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 740 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114020 |  | XXXXXX | LendingHome | Loanstar Lendinghome Guidelines | 05/01/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 1.404% | $1353.16 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0.6 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 763 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-2 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114026 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | No | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 1.004% | $2490.46 |  |  |  |  | No |  | $XXX | $XXX | No | 15 | 25 | No | No |  |  | 0.5 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 763 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114416 |  | XXXXXX | LendingHome | Lending Home | 05/01/5021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 2.391% | $418.32 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 4 | No |  |  |  | 0.5 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  |  | 764 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114417 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.067% | $772.84 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 12 | No |  |  |  | 2 |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 662 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114418 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes |  | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 1.479% | $966.78 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 6 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 744 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114419 |  | XXXXXX | LendingHome | LendingHome | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.383% | $940.25 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 3 | No |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  |  | 702 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1.1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114420 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/21/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 2.755% | $828.57 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 749 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 3 | XXXX | XXXX | 4 | 3 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114421 |  | XXXXXX | LendingHome | LendingHome Rental Loan Investment | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 1.212% | $1484.64 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114422 |  | XXXXXX | LendingHome | Rental Loan Investment Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.237% | $889.30 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 1 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 768 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114027 |  | XXXXXX | LendingHome | Investor X | 07/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 1.356% | $2513.88 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 1 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 801 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 2 | C-2 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114423 |  | XXXXXX | LendingHome | LendingHome Rental Loan Investment Property GL | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.036% | $1109.84 | XX/XX/XXXX | 11 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 2 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 746 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114424 |  | XXXXXX | LendingHome | Investor X | 05/01/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 1.121% | $1783.68 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 2 | No |  |  |  | 0.4 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 786 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114425 |  | XXXXXX | LendingHome | Investor X | 05/01/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 1.153% | $1908.06 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 9 | 40 | No | No |  |  | 0.8 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 811 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114426 |  | XXXXXX | LendingHome | LoanStar Lendinghome Guidelines | 05/01/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 2.450% | $478.81 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 666 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114427 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.857% | $1000.96 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 4 | 4 | No |  |  |  | 0.6 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 775 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114428 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 2.105% | $1088.07 | XX/XX/XXXX | 12 | No |  | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0.5 |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 707 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114429 |  | XXXXXX | LendingHome | Loanstar Lendinghome Guidelines | 05/01/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 1.056% | $1372.49 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 788 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114430 |  | XXXXXX | LendingHome | Rental Loan Investment Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.084% | $2030.28 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0.5 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Corporation |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 721 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114431 |  | XXXXXX | Lendinghome | Lendinghome Rental Loan Investment Property GL | 05/01/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 1.716% | $437.12 |  |  | No |  | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114432 |  | XXXXXX | Lendinghome | Lendinghome Rental Loan Investment Property GL | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 1.665% | $1741.51 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 2 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 801 | 801 | 801 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 4 | 4 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114021 |  | XXXXXX | LendingHome | Rental Loan Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.039% | $1659.74 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0.5 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 804 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114433 |  | XXXXXX | LendingHome | LendingHome Rental Loan Investment | 05/01/2021 | Yes | No | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.327% | $791.03 | XX/XX/XXXX | 6 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0.5 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 816 | 816 | 816 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114434 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.131% | $3111.47 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No | No |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 802 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-3 | $XXXXXX | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114022 |  | XXXXXX | LendingHome | Rental Loan Guidelines | 05/01/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 1.330% | $1188.36 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 703 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114435 |  | XXXXXX | LendingHome | Rental Loan Property Investment Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.155% | $1732.24 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 5 |  |  |  |  |  | 0 | 0 | 0 |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 801 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114436 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes |  |  | $XXXXXX | Other | Third Party Rental Source | 1.460% | $2712.38 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 3 | 3 | No | No |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 730 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114437 |  | XXXXXX | LendingHome | Rental Loan Guidelines-May 2021 | 05/01/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 1.011% | $2769.54 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No | No |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 761 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2.1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114438 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.729% | $781.00 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 773 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 6 | 2 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114439 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 1.531% | $862.45 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 1.4 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 688 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114440 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.243% | $1367.86 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 6 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 735 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114441 |  | XXXXXX | LendingHome | Rental Loan Guidelines-May 2021 | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 1.001% | $1318.33 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 4 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 727 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114442 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes |  |  | $XXXXXX | Other | Third Party Rental Source | 1.362% | $1493.79 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 2 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 727 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114443 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.325% | $3396.50 | XX/XX/XXXX | 41 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 3 | No |  |  |  | 1 |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 659 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 4.1 | C-2 |  | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114444 |  | XXXXXX | LendingHome | Rental Loan Investment Property guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 1.202% | $1509.56 | XX/XX/XXXX | 12 | Yes |  | No |  | $XXX | $XXX | No | 4 | 4 | No | No |  |  | 0.8 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 775 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114023 |  | XXXXXX | Lendinghome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 2.308% | $679.08 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 16 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114445 |  | XXXXXX | LendingHome | Rental Loan Investment Property | 05/01/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 2.067% | $609.47 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 755 |  | XXXXXX | XXXXXX |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114446 |  | XXXXXX | LendingHome | Rental Loan | 05/01/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 2.167% | $685.30 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 755 |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-4 | $XXXXXX | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114447 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.597% | $751.51 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No | No |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 751 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114448 |  | XXXXXX | Lendinghome | Rental Lona Investment Property Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.308% | $726.42 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 1.5 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 773 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114024 |  | XXXXXX | LendingHome | Rental Loan Investment Property | 05/01/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 2.039% | $416.77 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 4 | 5 | No | No |  |  | 2 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 679 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114449 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 2.029% | $813.21 |  |  | No |  | No |  | $XXX | $XXX | No | 4 | 4 | No | No |  |  | 0.5 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 696 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114450 |  | XXXXXX | LendingHome | Rental Loan Investment Guidelines | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.602% | $1060.89 | XX/XX/XXXX | 12 | No |  | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0.3 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 744 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114451 |  | XXXXXX | Lendinghome | Lendinghome Rental Loan Investment Property GL | 05/01/2021 | Yes | No |  | $XXXXXX | Rent Range | Third Party Rental Source | 1.259% | $1279.07 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 1 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 737 | 737 | 737 | XXXXXX | XXXXXX |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114452 |  | XXXXXX | LendingHome | Rental Loan Guidlines - May 2021 | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 1.344% | $1719.04 | XX/XX/XXXX | 14 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 1 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 738 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114453 |  | XXXXXX | LendingHome | LendingHome | 05/01/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 1.331% | $1487.73 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 10 | 12 | No | No |  |  | 0.06 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 780 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3 | C-2 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114454 |  | XXXXXX | LendingHome | Rental Loan Guidelines | 05/01/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 2.593% | $593.90 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0 |  |  |  |  |  | 3 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 745 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114455 |  | XXXXXX | LendingHome | Rental Loan Investment Property Guidelines | 05/01/2021 | Yes |  |  | $XXXXXX | Other | Third Party Rental Source | 1.267% | $2774.63 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 2 | 5 | No | No |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen |  | 750 |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-2 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114025 |  | XXXXXX | LendingHome | LendingHome | 05/01/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.621% | $1018.10 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 2 | No | No |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 740 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114456 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines | 03/02/2021 |  |  |  |  |  |  |  | $9854.17 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 694 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 7.1 | C-1 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114457 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 0.704% | $1065.24 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 735 | 746 | 757 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 1 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114458 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 2.837% | $4316.56 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0.17 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 9 | 8 | C-1 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114459 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines | 03/02/2021 |  |  |  |  |  |  |  | $8105.17 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 2 |  | No |  |  |  |  | US Citizen | US Citizen | 697 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Employed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 2 | C-2 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114460 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 1.208% | $2576.65 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No | No |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 811 | 823 | 799 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 3 | Average | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114461 |  | XXXXXX | theLender | NONI Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.294% | $5023.54 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 3 | 3 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 4 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114462 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 2.004% | $5139.99 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 3 | 3 | No | No |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 780 | 796 | 805 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 3 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114463 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 2.141% | $1240.49 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 2 | 3 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 729 | 762 | 752 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 1 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114464 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | Other | Third Party Rental Source | 4.870% | $1243.87 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 9 | 10 | No | No |  |  | 2 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 735 | 746 | 757 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-2 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114465 |  | XXXXXX | theLender | Noni Guidelines 11.12.20 | 01/03/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.006% | $6712.67 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 3 | 3 | No |  |  |  | 1 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 6 | 5 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114466 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.172% | $4693.36 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No | No |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 803 | 764 | 768 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114467 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 2.243% | $5774.70 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 3 | 3 | No |  |  |  | 0 | US Citizen |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 6 | 3.1 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114468 |  | XXXXXX | theLender | Noni Guidelines 11.12.20 | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.146% | $1745.38 | XX/XX/XXXX | 5 | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 6 | 6 | No |  |  |  | 2 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114469 |  | XXXXXX | theLender | NONI Guidelines 10.25.2021 | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.104% | $3488.81 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No | No |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 744 | 758 | 755 | XXXXXX | XXXXXX | US Citizen | 767 | 765 | 739 |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114470 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.230% | $2276.21 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114471 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | No | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 1.704% | $2054.14 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 3 | 3 | No | No |  |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 757 | 774 | 729 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1.1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114472 |  | XXXXXX | theLender | Noni Guidelines 11.12.20 | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.873% | $2258.32 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 10 | 10 | No |  |  |  | 2 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 1 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114473 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.594% | $2509.68 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 4 | 4 | No | No |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 744 | 706 | 730 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 1 | 2 | C-3 | $XXXXXX | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114474 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.539% | $3875.10 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 4 | 4 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 4 | C-2 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114475 |  | XXXXXX | theLender | Noni Guidelines 11.12.20 | 10/25/2021 | Yes | No | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 0.810% | $3331.46 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114476 |  | XXXXXX | theLender | NONI Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.128% | $11526.77 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No | No |  |  | 1 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 655 | 692 | 745 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 4 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114477 |  | XXXXXX | theLender | NONI DSCR Guidelines | 01/20/2022 | Yes | Yes |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.219% | $1558.60 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 7 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114478 |  | XXXXXX | 5th Street Capital | Non-Conforming 5/6 SOFR Arm 5SCh BS12 | 07/02/2021 |  |  |  |  |  |  |  | $2275.52 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | Non-Resident Alien |  | 687 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 4.1 | C-2 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114479 |  | XXXXXX | 5th Street Capital | 5th Street Capital - Bank Statement Program | 08/06/2021 |  |  |  |  |  |  |  | $2320.36 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen | US Citizen | 681 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Employed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 2 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114480 |  | XXXXXX | 5th Street Capital | 5th Street Bank Statement Matrix & Program Guideli | 07/02/2021 |  |  |  |  |  |  |  | $6064.51 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 756 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-2 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114481 |  | XXXXXX | 5th Street Capital | Bank Statement Matrix and Program Guidelines | 07/02/2021 |  |  |  |  |  |  |  | $1571.42 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 645 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-3 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114482 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.030% | $2378.60 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 4 | 5 | No |  |  |  | 30 | US Citizen | US Citizen |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114483 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.840% | $828.89 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 832 | 799 | 797 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114484 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | No | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.370% | $839.58 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 5 | 5 | No | No | No |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 832 | 799 | 797 | XXXXXX | XXXXXX | US Citizen | 736 | 748 | 757 |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114485 |  | XXXXXX | theLender | NONI Guidelines 8.16.21 | 10/25/2021 | Yes | No | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.486% | $740.43 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 22 | 1 | No | No | No |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 736 | 748 | 757 | XXXXXX | XXXXXX | US Citizen | 736 | 748 | 757 |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114486 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | No | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.728% | $781.10 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 22 | 10 | No | No | No |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 736 | 748 | 757 | XXXXXX | XXXXXX | US Citizen | 736 | 748 | 757 |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114487 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.865% | $750.51 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No | No |  | 0 |  |  |  |  |  | 0 | 0 | 0 |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 832 | 799 | 797 | XXXXXX | XXXXXX | US Citizen | 736 | 748 | 757 |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114488 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | No | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.562% | $832.19 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 22 | 1 | No | No | No |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 736 | 748 | 757 | XXXXXX | XXXXXX | US Citizen | 736 | 748 | 757 |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114489 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.373% | $801.03 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 3 | 3 | No | No | No |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 832 | 799 | 797 | XXXXXX | XXXXXX | US Citizen | 736 | 748 | 757 |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114490 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | No | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.312% | $838.67 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No | No |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 736 | 748 | 757 | XXXXXX | XXXXXX | US Citizen | 736 | 748 | 757 |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114491 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | No | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.286% | $777.37 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 10 | 10 | No | No | No |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 736 | 748 | 757 | XXXXXX | XXXXXX | US Citizen | 736 | 748 | 757 |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114492 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.801% | $777.17 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 832 | 799 | 797 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114493 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.282% | $702.24 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 12 | 12 | No | No |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 832 | 799 | 797 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114494 |  | XXXXXX | theLender | NONI Guidelines 10.25.2021 | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.174% | $809.37 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No | No |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 832 | 799 | 797 | XXXXXX | XXXXXX | US Citizen | 736 | 748 | 757 |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114495 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | No | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.361% | $771.56 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No | No |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 832 | 799 | 797 | XXXXXX | XXXXXX | US Citizen | 736 | 748 | 757 |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114496 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | No | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.554% | $717.55 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No | No |  | 2 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 736 | 748 | 757 | XXXXXX | XXXXXX | US Citizen | 736 | 748 | 757 |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114497 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.335% | $673.92 | XX/XX/XXXX | 1 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No | No |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 832 | 799 | 797 | XXXXXX | XXXXXX | US Citizen | 736 | 748 | 757 |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114498 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.550% | $709.58 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No | No |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 736 | 748 | 757 | XXXXXX | XXXXXX | US Citizen | 832 | 799 | 797 |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114499 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | No | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.343% | $699.97 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 10 | 10 | No | No | No |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 832 | 799 | 797 | XXXXXX | XXXXXX | US Citizen | 736 | 748 | 757 |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114500 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.789% | $656.62 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 832 | 799 | 797 | XXXXXX | XXXXXX | US Citizen | 736 | 748 | 757 |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1.1 | C-3 | $XXXXXX | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114501 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.591% | $660.09 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 10 | 10 | No | No |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 832 | 799 | 797 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114502 |  | XXXXXX | theLender | Noni Guidelines 10.25.2021 | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.299% | $692.83 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  |  |  |  |  |  |  | 1 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 832 | 799 | 797 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114503 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.492% | $697.21 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 10 | 10 | No | No | No |  | 0 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 832 | 799 | 797 | XXXXXX | XXXXXX | US Citizen | 832 | 799 | 797 |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114504 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.331% | $638.50 |  | 1 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 832 | 799 | 797 | XXXXXX | XXXXXX |  | 736 | 748 | 757 |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114505 |  | XXXXXX | theLender | NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.408% | $674.59 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 12 | 12 | No | No | No |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 832 | 799 | 797 | XXXXXX | XXXXXX | US Citizen | 736 | 748 | 757 |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114506 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.461% | $670.67 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 10 | 10 | No | No |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 832 | 799 | 797 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114507 |  | XXXXXX | theLender | Non-QM Underwriting Guidelines 3.2.21 | 03/02/2021 |  |  |  |  |  |  |  | $2821.02 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 3 |  | No |  |  |  |  | US Citizen |  | 774 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2.1 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114508 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines | 03/02/2021 |  |  |  |  |  |  |  | $1951.35 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 722 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114509 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.451% | $2205.53 | XX/XX/XXXX | 14 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114510 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.861% | $4191.36 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 3 | XXXX | XXXX | 9 | 3 | C-3 |  | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114511 |  | XXXXXX | theLender | TheLender Noni Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.382% | $2350.94 | XX/XX/XXXX | 24 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 4 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 4 | 2 | C-2 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114512 |  | XXXXXX | theLender | The Lender Noni Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.156% | $2162.18 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 4 | 2 | C-4 |  | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114513 |  | XXXXXX | theLender | Noni Guidelines | 08/16/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 2.487% | $4084.98 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 2 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 674 | 647 | 703 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114514 |  | XXXXXX | theLender | Non-QM-Bank Statement Qualifier | 03/02/2021 |  |  |  |  |  |  |  | $2505.80 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 2 |  | No |  |  |  |  | US Citizen |  | 762 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3 | C-1 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114515 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines | 08/16/2021 |  |  |  |  |  |  |  | $4696.32 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 683 |  |  | 1 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 4.1 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114516 |  | XXXXXX | theLender | LoanStar NONI Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.493% | $1305.66 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114517 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes |  |  | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.195% | $8368.65 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 5 | 8 | No |  |  |  | 0 | US Citizen | US Citizen |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 4 | 5 | C-3 |  | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114518 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines | 03/02/2021 |  |  |  |  |  |  |  | $2693.54 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 2 |  | No |  |  |  |  | US Citizen |  | 766 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-2 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114519 |  | XXXXXX | theLender | Non-QM Bank Statement Qualifier | 08/16/2021 |  |  |  |  |  |  |  | $2489.15 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 3 |  | No |  |  |  |  | US Citizen |  | 703 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-4 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114520 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | No | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 0.970% | $1855.98 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 1 | Non-Resident Alien |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114521 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines | 03/02/2021 |  |  |  |  |  |  |  | $1742.13 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 2 |  | No |  |  |  |  | US Citizen |  | 775 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-4 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114522 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines | 03/02/2021 |  |  |  |  |  |  |  | $1877.93 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 683 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-2 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114523 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines -3.2.21 | 03/02/2021 |  |  |  |  |  |  |  | $5030.42 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 3 |  | No |  |  |  |  | US Citizen |  | 678 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Limited Liability Corporation |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-1 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114524 |  | XXXXXX | theLender | NONI Guidlines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.972% | $2028.04 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | Permanent Res Alien |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 4 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114525 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.035% | $2705.07 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen | US Citizen |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 | $XXXXXX | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114526 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.266% | $2258.71 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 3 | 6 | No |  |  |  | 7 | US Citizen | US Citizen |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114527 |  | XXXXXX | theLender | Noni Guidelines | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.503% | $1297.22 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 3 | No |  |  |  | 14 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2.1 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114528 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines | 03/02/2021 |  |  |  |  |  |  |  | $5786.89 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 774 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-3 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114529 |  | XXXXXX | theLender | Noni Guidelines 8.16.21 | 10/25/2021 | Yes | No | $XXXXXX | $XXXXXX | Other | Third Party Rental Source | 0.698% | $4870.95 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 0 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 1 | 1 | C-2 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114530 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | No |  | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.001% | $3197.08 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 2 | 2 | C-3 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114531 |  | XXXXXX | theLender | Non-QM Bank Statement Qualifier | 08/16/2021 |  |  |  |  |  |  |  | $1897.06 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 2 |  | No |  |  |  |  | US Citizen | US Citizen | 748 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Unemployed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114532 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines 3.2.2021 | 03/02/2021 |  |  |  |  |  |  |  | $3718.05 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 673 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114533 |  | XXXXXX | theLender | NONI Guidelines | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 3.069% | $1792.30 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 2 | 4 | No |  |  |  | 2 | US Citizen | US Citizen |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 3 | C-2 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114534 |  | XXXXXX | theLender | NOn QM Bnk statement | 08/16/2021 |  |  |  |  |  |  |  | $9084.09 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 5 |  | No |  |  |  |  | US Citizen |  | 729 |  |  |  |  |  |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 3.1 | C-3 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114535 |  | XXXXXX | theLender | Non-QM Bank Statement Qualifier | 08/16/2021 |  |  |  |  |  |  |  | $2648.36 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 3 |  | No |  |  |  |  | US Citizen |  | 682 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114536 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines -3.2.21 | 03/02/2021 |  |  |  |  |  |  |  | $1468.73 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 2 |  | No |  |  |  |  | US Citizen |  | 716 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3 | C-3 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114537 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines -3.2.21 | 03/02/2021 |  |  |  |  |  |  |  | $6561.84 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 772 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2.5 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114538 |  | XXXXXX | theLender | NONI DSCR Guidelines | 01/20/2022 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 2.820% | $1205.76 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114539 |  | XXXXXX | theLender | The Lender NONI | 10/25/2021 | Yes | No |  | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.789% | $1508.85 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 4 | XXXX | XXXX | 8 | 4 | C-4 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114540 |  | XXXXXX | theLender | HEM Non-QHEM Guidelines | 08/16/2021 |  |  |  |  |  |  |  | $5456.15 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 2 |  | No |  |  |  |  | US Citizen | US Citizen | 786 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Employed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3.1 | C-3 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114541 |  | XXXXXX | theLender | Non-QM Bank Statement Qualifier | 08/16/2021 |  |  |  |  |  |  |  | $4687.90 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 728 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3 | C-3 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114542 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines -3.2.21 | 03/02/2021 |  |  |  |  |  |  |  | $1091.98 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 3 |  | No |  |  |  |  | US Citizen |  | 737 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114543 |  | XXXXXX | theLender | Non-QHEM Underwriting Guidelines -3.2.21 | 03/02/2021 |  |  |  |  |  |  |  | $18090.69 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 725 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 4.1 | C-2 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114544 |  | XXXXXX | theLender | Noni DSCR | 10/25/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.226% | $5955.07 | XX/XX/XXXX | 24 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 2 | US Citizen | US Citizen |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 3 | XXXX | XXXX | 9 | 5 | C-4 |  | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114545 |  | XXXXXX | theLender | HEM Non-QHEM Guidelines | 08/16/2021 |  |  |  |  |  |  |  | $4386.15 |  |  |  |  |  | $0.00 | $XXX | $XXX | No | 2 |  | No |  |  |  |  | US Citizen |  | 812 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114546 |  | XXXXXX | theLender | HEM Non-QHEM Guidelines | 08/16/2021 |  |  |  |  |  |  |  | $6860.65 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 3 |  | No |  |  |  |  | US Citizen | US Citizen | 740 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Employed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 6 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114547 |  | XXXXXX | theLender | DSCR | 10/25/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.307% | $1147.71 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-2 | $XXXXXX | $0.00 | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114548 |  | XXXXXX | theLender | The Lender NONI Guidelines | 10/25/2021 | Yes |  |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 0.667% | $6785.43 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 4 | 4 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3 | C-3 | $XXXXXX | $XXXXXX | $0.00 |
| XXXXXX | XXXXXX | XXXXXX | 54920251114550 |  | XXXXXX | Celebrity Home Loans | Investor Plus | 01/06/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 1.248% | $1603.16 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  | 1 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114551 |  | XXXXXX | Celebrity Home Loans | CHL Expanded Credit Homeowner Elite | 01/06/2022 |  |  |  |  |  |  |  | $6775.04 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 2 |  | No |  |  |  |  | US Citizen |  | 791 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unemployed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-3 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114552 |  | XXXXXX | Celebrity Home Loans | CHL Expended Credit | 01/06/2022 |  |  |  |  |  |  |  | $9598.53 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 2 |  | No |  |  |  |  | US Citizen |  | 807 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2 | C-4 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114553 |  | XXXXXX | Celebrity Home Loans | Investor Plus | 01/06/2022 | Yes | No | $0.00 | $XXXXXX | 1004 / 70 | Third Party Rental Source | 0.866% | $3462.94 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 2 | 2 | No |  |  |  |  | US Citizen | US Citizen |  |  |  | 0 | 0 | 0 |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-2 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114554 |  | XXXXXX | Celebrity Home Loans | CHL Expanded Credit Homeowner Elite | 01/06/2022 |  |  |  |  |  |  |  | $4078.63 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 3 |  | No |  |  |  |  | US Citizen |  | 755 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-1 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114555 |  | XXXXXX | Celebrity Home Loans | LoanStar Celebrity Expanded Homeowner Plus Alt Doc | 01/06/2022 |  |  |  |  |  |  |  | $4151.62 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 720 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 5.1 | C-2 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114556 |  | XXXXXX | Celebrity Home Loans | CHL Expanded Credit Homeowner Elite | 01/06/2022 |  |  |  |  |  |  |  | $6108.86 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 735 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 3 | C-4 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114557 |  | XXXXXX | Celebrity Home Loans | Investor Plus | 01/06/2022 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.286% | $1600.24 | XX/XX/XXXX | 6 | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 1 | 1 | C-3 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114558 |  | XXXXXX | Celebrity Home Loans | CHL Expanded Credit Homeowner Elite | 01/06/2022 |  |  |  |  |  |  |  | $4340.81 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 778 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-2 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114559 |  | XXXXXX | Celebrity Home Loans | CHL Expanded Credit Homeowner Elite | 01/06/2022 |  |  |  |  |  |  |  | $840.63 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 2 |  | No |  |  |  |  | US Citizen | US Citizen | 731 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  | XXXXX | XXXXX | US Citizen |  | 809 | 788 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unemployed | Unemployed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 1 | 1 | C-3 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114560 |  | XXXXXX | NewFi | Sequoia DSCR | 10/27/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.092% | $3137.17 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 1 | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 770 | 744 | 749 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 4 | XXXX | XXXX | 4 | 4 | Average | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114549 |  | XXXXXX | NewFi | NewFi Lending DSCR GL | 10/27/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.912% | $9412.47 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No | No |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 770 | 744 | 749 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 7 | 6 | C-2 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114561 |  | XXXXXX | NewFi | Sequoia DSCR | 10/27/2021 | Yes | No | $0.00 | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.328% | $1694.53 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 2 | 2 | No | No | No |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 773 | 753 | 794 | XXXXXX | XXXXXX | US Citizen | 801 | 797 | 791 |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114562 |  | XXXXXX | NewFi | NewFi Sequoia NQM 12-month bank statements | 10/27/2021 |  |  |  |  |  |  |  | $6006.02 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 710 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114563 |  | XXXXXX | NewFi | NewFi Sequoia NQM 12 month bank statement 40-year | 10/27/2021 |  |  |  |  |  |  |  | $2078.40 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 785 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-3 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114564 |  | XXXXXX | NewFi | NewFi Sequoia NQM 12-month bank statements | 10/27/2021 |  |  |  |  |  |  |  | $1850.72 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | Non-Resident Alien |  | 790 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-1 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114565 |  | XXXXXX | NewFi | Sequoia DSCR | 10/27/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.249% | $1848.25 | XX/XX/XXXX | 12 | No |  | No |  | $XXX | $XXX | No | 1 | 1 | No |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  |  |  | No | XXXXX | Individual |  | XXXXX | XXXXX | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 4 | 4 | C-3 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114566 |  | XXXXXX | NewFi | Newfi Lending NonQM Guidelines V3 | 10/27/2021 |  |  |  |  |  |  |  | $5087.47 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 3 |  | No |  |  |  |  | US Citizen | US Citizen | 762 |  |  | 0 | 0 | 2 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Employed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 3 | C-4 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114567 |  | XXXXXX | NewFi | Newfi | 10/27/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.285% | $2995.21 | XX/XX/XXXX | 12 | No |  | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 0.9 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 6 | 4 | Average |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114568 |  | XXXXXX | NewFi | NewFi Sequoia NQM 12-month bank statements | 10/27/2021 |  |  |  |  |  |  |  | $10051.66 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen | US Citizen | 752 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Unemployed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3.1 | C-3 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114569 |  | XXXXXX | NewFi | NewFi Sequoia Expanded 12-month bank statements | 10/27/2021 |  |  |  |  |  |  |  | $3106.67 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen | US Citizen | 661 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Employed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114570 |  | XXXXXX | NewFi | Newfi | 10/27/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Rent On Existing Lease | 1.529% | $1176.93 | XX/XX/XXXX | 12 | No |  | No |  | $XXX | $XXX | No | 3 | 3 | No |  |  |  | 3.9 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 2 | XXXX | XXXX | 6 | 2 | Average |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114571 |  | XXXXXX | NewFi | LoneStar Newfi DSCR GL | 10/27/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Rent On Existing Lease | 0.601% | $1997.84 | XX/XX/XXXX | 1 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 3 | 3 | No |  |  |  | 2 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-4 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114572 |  | XXXXXX | NewFi | NewFI Lending DSCR GL | 10/27/2021 | Yes | Yes | $XXXXXX | $XXXXXX | Other | Rent On Existing Lease | 1.314% | $882.84 | XX/XX/XXXX | 6 | No |  | Yes | $XXXXXX.XX | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 5 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 1 | 1 | C-4 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114573 |  | XXXXXX | NewFi | Newfi Lending NonQM Guidelines 10_27_2021 v3 | 10/27/2021 |  |  |  |  |  |  |  | $30276.31 |  |  |  |  |  |  | $XXX | $XXX | No | 3 |  | No |  |  |  |  | US Citizen | US Citizen | 743 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  | XXXXX | XXXXX | US Citizen |  | 743 | 737 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Employed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 7 | 7.1 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114574 |  | XXXXXX | NewFi | NewFi Lending NonQM Guidelines 10.27.2021 v3 | 10/27/2021 |  |  |  |  |  |  |  | $7957.22 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen | US Citizen | 709 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Unemployed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 4 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114575 |  | XXXXXX | NewFi | Newfi Lending NonQM Guidelines 10_27_2021 v3 | 10/27/2021 |  |  |  |  |  |  |  | $3547.12 |  |  |  |  |  |  | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen | US Citizen | 720 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Employed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-4 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114576 |  | XXXXXX | NewFi | Sequoia Non QM Guidelines | 10/27/2021 |  |  |  |  |  |  |  | $5703.77 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 2 |  | No |  |  |  |  | US Citizen |  | 689 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 4 | XXXX | XXXX | 8 | 4 | C-4 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114577 |  | XXXXXX | NewFi | NewFi Lending DSCR GL | 10/27/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 0.869% | $6844.74 |  |  | No |  | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3 | C-3 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114578 |  | XXXXXX | NewFi | NewFi Sequoia NQM 12-month bank statements | 10/27/2021 |  |  |  |  |  |  |  | $17671.17 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 2 |  | No |  |  |  |  | US Citizen |  | 757 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 4.1 | C-2 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114579 |  | XXXXXX | NewFi | Newfi Lending NonQM Guidelines 10_27_2021 v3 | 10/27/2021 |  |  |  |  |  |  |  | $3663.55 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 665 |  |  |  |  |  |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-2 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114580 |  | XXXXXX | NewFi | Newfi Lending NonQM Guidelines 10_27_2021 v3 | 10/27/2021 |  |  |  |  |  |  |  | $2482.45 |  |  |  |  |  |  | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 810 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114581 |  | XXXXXX | NewFi | Newfi Lending NonQM Guidelines 10_27_2021 v3 | 10/27/2021 |  |  |  |  |  |  |  | $3041.57 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 733 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-3 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114582 |  | XXXXXX | NewFi | NewFi Lending DSCR GL | 10/27/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1025 / 216 | Third Party Rental Source | 1.668% | $5125.40 | XX/XX/XXXX | 1 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 4 | XXXX | XXXX | 7 | 4.2 | C-4 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114583 |  | XXXXXX | NewFi | Newfi | 10/27/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.543% | $1199.28 | XX/XX/XXXX | 12 | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 1 | 2 | No | No |  |  | 1.8 |  |  |  |  |  |  |  |  |  |  |  | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 606 | 576 | 608 |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114584 |  | XXXXXX | NewFi | NewFi Sequoia NQM 24-month bank statements | 10/27/2021 |  |  |  |  |  |  |  | $9577.03 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 724 |  |  |  |  |  |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 1 | 1.2 | C-3 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114585 |  | XXXXXX | NewFi | NewFi Sequoia NonQM | 10/27/2021 |  |  |  |  |  |  |  | $5037.75 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 2 |  | No |  |  |  |  | US Citizen |  | 743 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2.1 | C-3 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114586 |  | XXXXXX | NewFi | NewFi Sequoia NonQM Guides | 10/27/2021 |  |  |  |  |  |  |  | $2415.16 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 3 |  | No |  |  |  |  | US Citizen |  | 781 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-1 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114587 |  | XXXXXX | NewFi | Newfi Lending Sequoia NonQM | 06/23/2021 |  |  |  |  |  |  |  | $9168.78 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 3 |  | No |  |  |  |  | US Citizen | US Citizen | 739 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Employed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 8 | 8.1 | Average | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114588 |  | XXXXXX | NewFi | Newfi Lending NonQM Guidelines 10_27_2021 v3 | 10/27/2021 |  |  |  |  |  |  |  | $14746.90 |  |  |  |  |  |  | $XXX | $XXX | No | 2 |  | No |  |  |  |  | US Citizen | US Citizen | 775 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Employed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 8 | 8.1 | C-3 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114589 |  | XXXXXX | NewFi | Newfi Lending NonQM Guidelines v3 | 10/27/2021 |  |  |  |  |  |  |  | $3886.47 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 3 |  | No |  |  |  |  | US Citizen | US Citizen | 736 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Employed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 3.1 | C-3 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114590 |  | XXXXXX | NewFi | NewFi Sequoia NQM 24-month bank statements | 10/27/2021 |  |  |  |  |  |  |  | $12810.08 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 2 |  | No |  |  |  |  | US Citizen |  | 784 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-3 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114591 |  | XXXXXX | NewFi |  |  |  |  |  |  |  |  |  | $2918.67 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 675 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 2.1 | C-3 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114592 |  | XXXXXX | NewFi | LoanStar Newfi Lending DSCR GL | 10/27/2021 | Yes | No | $0.00 | $XXXXXX | Other | Third Party Rental Source | 0.871% | $2235.49 |  |  | Yes | $XXXXXX.XX | Yes | $XXXXXX.XX | $XXX | $XXX | No | 2 | 2 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-3 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114593 |  | XXXXXX | NewFi | Newfi Lending NonQM Guidelines 10_27_2021 v3 | 10/27/2021 |  |  |  |  |  |  |  | $3909.50 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 639 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 5 | 3 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114594 |  | XXXXXX | NewFi | NewFi Lending DSCR GL | 10/27/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 0.887% | $1691.14 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  | 0.25 | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 1 | 1 | C-4 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114595 |  | XXXXXX | NewFi | NewFi Sequoia NQM Expanded 12-month bank statement | 10/27/2021 |  |  |  |  |  |  |  | $2287.17 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 2 |  | No |  |  |  |  | US Citizen |  | 640 |  |  |  |  |  |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114596 |  | XXXXXX | NewFi | Newfi Lending NonQM Guidelines 10_27_2021 v3 | 10/27/2021 |  |  |  |  |  |  |  | $5209.03 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 2 |  | No |  |  |  |  | US Citizen |  | 785 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 4 | 4 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114597 |  | XXXXXX | NewFi | NewFi Sequoia NQM 12-month bank statements | 10/27/2021 |  |  |  |  |  |  |  | $3367.05 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 2 |  | No |  |  |  |  | US Citizen | US Citizen | 743 |  |  |  |  |  |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Employed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-3 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114598 |  | XXXXXX | Newfi | Newfi Lending NonQM Guidelines 10_27_2021 v3 | 10/27/2021 |  |  |  |  |  |  |  | $11426.35 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 686 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 3.1 | C-3 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114599 |  | XXXXXX | NewFi | NewFi Lending NonQM Guidelines 10.27.2021 v3 | 10/27/2021 |  |  |  |  |  |  |  | $2114.07 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | Permanent Res Alien |  | 749 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114600 |  | XXXXXX | NewFi | Sequoia Non QM Guidelines | 10/27/2021 |  |  |  |  |  |  |  | $2072.22 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | US Citizen |  | 637 |  |  |  |  |  |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2.1 | C-3 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114601 |  | XXXXXX | NewFi | NewFi Sequoia NQM 12-month bank statements | 10/27/2021 |  |  |  |  |  |  |  | $3596.40 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | Permanent Res Alien | Non-Resident Alien | 740 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Employed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114602 |  | XXXXXX | NewFi | Newfi Lending NonQM Guidelines 10_27_2021 v3 | 10/27/2021 |  |  |  |  |  |  |  | $1232.68 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 2 |  | No |  |  |  |  | US Citizen | US Citizen | 639 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Employed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-4 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114603 |  | XXXXXX | NewFi | NewFi Sequoia NQM 12-month bank statements | 10/27/2021 |  |  |  |  |  |  |  | $2680.18 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 3 |  | No |  |  |  |  | US Citizen | US Citizen | 662 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  | Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed | Employed | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114604 |  | XXXXXX | NewFi | Newfi Lending NonQM Guidelines 10_27_2021 v3 | 10/27/2021 |  |  |  |  |  |  |  | $1390.73 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 1 |  | No |  |  |  |  | Permanent Res Alien |  | 752 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 2 | C-3 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114605 |  | XXXXXX | NewFi | Sequoia Non-QM GL | 10/27/2021 |  |  |  |  |  |  |  | $4506.29 |  |  |  |  |  | $XXXXXX.XX | $XXX | $XXX | No | 2 |  | No |  |  |  |  | Permanent Res Alien |  | 785 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-4 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114606 |  | XXXXXX | NewFi | Newfi | 10/27/2021 | Yes | Yes | $XXXXXX | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.065% | $1572.42 | XX/XX/XXXX | 12 | No |  | No |  | $XXX | $XXX | No | 1 | 2 | No | No | No |  | 2 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Limited Liability Corp (LLC) |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX | XXXXX | US Citizen | 681 | 742 | 695 | XXXXXX | XXXXXX | US Citizen | 667 | 705 | 668 |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 2 | C-3 |  | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114607 |  | XXXXXX | NewFi | NewFi Lending DSCR GL | 10/27/2021 | Yes | No |  | $XXXXXX | 1004 / 70 | Third Party Rental Source | 1.122% | $1421.68 |  |  | Yes | $XXXXXX.XX | No |  | $XXX | $XXX | No | 2 | 2 | No |  |  |  |  | US Citizen |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | Individual |  | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 3 | 1 | C-4 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |
| XXXXXX | XXXXXX | XXXXXX | 54920251114608 |  | XXXXXX | NewFi | Newfi Lending Sequoia NonQM | 10/27/2021 |  |  |  |  |  |  |  | $1224.59 |  |  |  |  |  |  | $XXX | $XXX | No | 1 |  |  |  |  |  |  | US Citizen |  | 745 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXX | Individual |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  | XX/XX/XXXX |  | $XXXXXXX | 1 | XXXX | XXXX | 2 | 1 | C-3 | $XXXXXX.XX | $0.00 | $XXXXXX.XX |

---

**

#### <br>

## Exhibit 99.4

#### Valuation Report

#### Run Date - 4/12/2022

**---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | ORIGINATION DATA | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES | POST-ORIGINATION VALUES |
| LOAN INFORMATION | LOAN INFORMATION | LOAN INFORMATION | LOAN INFORMATION | LOAN INFORMATION | LOAN INFORMATION | LOAN INFORMATION | LOAN INFORMATION | LOAN INFORMATION | LOAN INFORMATION | APPRAISAL VALUES | APPRAISAL VALUES | APPRAISAL VALUES | APPRAISAL VALUES | APPRAISAL VALUES | APPRAISAL VALUES | APPRAISAL VALUES | APPRAISAL VALUES | AVM VALUES | AVM VALUES | AVM VALUES | AVM VALUES | AVM VALUES | AVM VALUES | DESK REVIEW VALUES | DESK REVIEW VALUES | DESK REVIEW VALUES | DESK REVIEW VALUES | DESK REVIEW VALUES | DESK REVIEW VALUES | BPO VALUES | BPO VALUES | BPO VALUES | BPO VALUES | BPO VALUES | FIELD REVIEW VALUES | FIELD REVIEW VALUES | FIELD REVIEW VALUES | FIELD REVIEW VALUES | FIELD REVIEW VALUES | 2055 VALUES | 2055 VALUES | 2055 VALUES | 2055 VALUES | 2055 VALUES | RECONCILIATION VALUES | RECONCILIATION VALUES | RECONCILIATION VALUES | RECONCILIATION VALUES | RECONCILIATION VALUES | RECONCILIATION VALUES | UPDATED VALUES | UPDATED VALUES | UPDATED VALUES | UPDATED VALUES | UPDATED VALUES | UPDATED VALUES | APPRAISAL VALUES | APPRAISAL VALUES | APPRAISAL VALUES | APPRAISAL VALUES | APPRAISAL VALUES | APPRAISAL 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 | 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 | RECONCILIATION VALUES | RECONCILIATION VALUES | RECONCILIATION VALUES | RECONCILIATION VALUES | RECONCILIATION VALUES | RECONCILIATION VALUES |
| Recovco Loan ID | Loan #1 | Loan #2 | Alt Loan ID | NOTES | Collateral Underwriter Risk Score | Note Date | Original Loan Amount | Sales Price | Final Value Used by Lender | Appraised Value | Appraisal Form Type | Appraisal Date | 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 | Form Type | Appraised Value | Variance Amount | Variance Percent | Form Type | Company | Appraisal Date | Appraised Value | Appraisal Form Type | Appraisal Date | Second Appraisal Value | Variance Amount | Variance Percent | Appraised Value | Variance Amount | Variance Percent | Company | Confidence 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 | Form Type |
| XXXXXX | XXXXXX | XXXXXX | 54920251114029 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114030 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114031 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114032 | Desk Review Pre | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114033 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114034 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114035 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114036 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114037 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114038 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114039 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114040 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114041 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114042 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114043 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114044 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114045 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114046 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114047 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114048 | Cu Score | 3 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114049 | Cu Score | 1.6 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114050 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114051 | Cu Score | 1.8 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114052 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114053 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114054 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114055 | Cu Score | 2.2 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114056 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114057 | Cu Score | 2.2 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114058 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114059 | Desk Review Pre | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114060 | Desk Review Pre | 99.9 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114061 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114062 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114063 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114064 | Cu Score | 1.3 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114065 | Desk Review Pre | 9.9 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114066 | Cu Score | 1.3 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114067 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114068 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114069 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114070 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114071 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114072 | Desk Review Pre | 1.7 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114073 | Desk Review Pre | 9.9 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114074 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114075 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114076 | Desk Review Pre | 99.9 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114077 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114078 | Cu Score | 1.8 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114079 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114080 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114081 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114082 | 2nd Appr | 4.6 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX | $XXXXXX.XX | -$520000.00 | -8.638% | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | URAR Form 1004, 70, 72, 1025, 1073, 465, 2090, 1004C, and 70B (Form 1075 retired 11/1/2005) [3] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114083 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114084 | Cu Score | 2.2 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114085 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114086 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114087 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114088 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114089 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114090 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114091 | Cu Score | 1.2 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114092 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114093 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114094 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114095 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114096 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114097 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114098 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114099 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114100 | Desk Review Pre | 2.5 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114101 | Cu Score | 1.4 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114102 | Desk Review Pre | 9.9 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114103 | Desk Review Pre | 3.3 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114104 | 2nd Appr/Desk Review | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX | $XXXXXX.XX | $5000.00 | 0.645% | XX/XX/XXXX | 1025 2-4 Family Property | 1025 2-4 Family Property |  |  |  |  |  | $XXXXXX | $5000.00 | 0.645% | XXXXX XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $5000.00 | 0.645% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114105 | Desk Review Pre | 5 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114106 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114107 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114108 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114109 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114110 | Cu Score | 1.2 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114111 | Cu Score | 1.1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114112 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114113 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114114 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114115 | Cu Score | 1.7 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114116 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114117 | Desk Review Pre | 9.9 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114118 | Desk Review Pre | 2.7 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114119 | Desk Review Pre | 9.9 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114120 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114121 | Desk Review Pre | 5 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | 0 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114122 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114123 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114124 | Desk Review Pre | 4.6 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114125 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114126 | Desk Review Pre | 3.1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114127 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114128 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114129 | Cu Score | 1.2 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114130 | Desk Review Pre | 1.5 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114131 | Cu Score | 1.1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114132 | Desk Review Pre | 3.1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114133 | Cu Score | 1.2 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114134 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114135 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114136 | Desk Review Pre | 99.9 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114137 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114138 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114139 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114140 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114141 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114142 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114143 | Desk Review Pre | 3.3 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114144 | Desk Review Pre | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114145 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114146 | Cu Score | 1.4 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114147 | Cu Score | 2.2 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114148 | Cu Score | 1.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114149 | Desk Review Pre | 5 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114150 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114151 | Desk Review Pre | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114152 | Cu Score | 1.1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114153 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114154 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114155 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114156 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114157 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114158 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114159 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114160 | Desk Review Pre | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114161 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114162 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114163 | Cu Score | 1.5 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114164 | Desk Review Pre | 2 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114165 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114166 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114167 | Desk Review Pre | 99.9 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114168 | Desk Review Pre | 99.9 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114169 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114170 | Cu Score | 1.3 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114171 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114172 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114001 | Cu Score | 1.2 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114173 | Desk Review Pre | 2.2 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114174 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114175 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114176 | Desk Review Pre | 1.3 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114177 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114178 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114179 | Desk Review Pre | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114180 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114181 | Desk Review Pre | 2.3 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114182 | Cu Score | 1.4 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114183 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114184 | Cu Score | 2.2 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114185 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114186 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114187 | Cu Score | 2.1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114188 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114189 | Cu Score | 1.2 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114002 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $1000.00 | 0.230% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $1000.00 | 0.230% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114190 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114191 | Desk Review Pre | 2.5 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114192 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114193 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114194 | Desk Review Pre | 99.9 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114195 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114196 | Cu Score | 1.2 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114197 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114198 | Desk Review Pre | 2.5 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114199 | Desk Review Pre | 5 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114200 | Cu Score | 1.4 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114201 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114202 | Cu Score | 1.8 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114203 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | 0 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114204 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114205 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114206 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114207 | Desk Review Pre | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | -$4000.00 | -2.740% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114208 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114209 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114210 | Cu Score | 1.3 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114211 | Desk Review Pre | 3.9 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114212 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114213 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114214 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114215 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114216 | Desk Review Pre | 3.3 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114217 | Cu Score | 1.1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114218 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114219 | Cu Score | 1.4 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114220 | Cu Score | 2.1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114221 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | moderate risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | -$11000.00 | -0.957% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114222 | Desk Review Pre | 3.5 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114223 | Desk Review Pre | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114224 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114225 | Cu Score | 1.2 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114226 | Desk Review Pre | 2.7 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114227 | Cu Score | 1.2 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114228 | Desk Review Post | 2.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | -$75000.00 | -11.111% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114229 | Desk Review Pre | 3.7 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114230 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114231 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114232 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114233 | Cu Score | 1.6 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114234 | Desk Review Pre | 4.5 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | -$30000.00 | -4.545% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114235 | Desk Review Pre | 2.8 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114236 | Cu Score | 1.1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114237 | Desk Review Pre | 99.9 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114238 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114239 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114003 | Desk Review Pre | 9.9 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114240 | Desk Review Pre | 99.9 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114241 | Desk Review Pre | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114242 | Desk Review Pre | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | -$10000.00 | -6.061% | XXXXX XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | -$10000.00 | -6.061% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114243 | Desk Review Pre | 2.2 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114244 | Desk Review Pre | 9.9 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114245 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114246 | Cu Score | 1.5 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114247 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114248 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114249 | Desk Review Pre | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114250 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114251 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114252 | Desk Review Pre | 2.8 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114253 | Cu Score | 1.4 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114254 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114255 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114256 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114257 | Cu Score | 1.8 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114258 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114259 | Desk Review Pre | 99.9 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114260 | Desk Review Pre | 4.3 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114261 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114262 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114263 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114264 | Desk Review Pre | 5 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114265 | Desk Review Pre | 1.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114266 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114267 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114268 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114269 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114270 | Desk Review Pre | 3.4 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114271 | Desk Review Pre | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114004 | Desk Review Pre | 2.7 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114272 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114273 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114274 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114275 | Desk Review Pre | 2.3 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114276 | Desk Review Pre | 99.9 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114277 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114278 | 2nd Appr | 2.5 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX | $XXXXXX.XX | $0.00 | 0.000% | XX/XX/XXXX | 1004 Residential Appraisal | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | URAR Form 1004, 70, 72, 1025, 1073, 465, 2090, 1004C, and 70B (Form 1075 retired 11/1/2005) [3] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114279 | 2nd Appr | 2.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX | $XXXXXX.XX | -$25000.00 | -1.000% | XX/XX/XXXX | 1004 Residential Appraisal | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | URAR Form 1004, 70, 72, 1025, 1073, 465, 2090, 1004C, and 70B (Form 1075 retired 11/1/2005) [3] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114280 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114281 | Cu Score | 2 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114282 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114283 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114284 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114285 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114286 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114287 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114288 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114289 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114290 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114005 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114291 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114292 | Cu Score | 1.4 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114293 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114294 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114295 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114296 | Desk Review Post | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114297 | Cu Score | 1.8 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114298 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114299 | Cu Score | 1.2 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114300 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114301 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114302 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114303 | Desk Review Pre | 3.9 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114304 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114305 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114306 | Desk Review Pre | 2.7 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114307 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114308 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114309 | Desk Review Pre | 99.9 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114310 | Cu Score | 1.9 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114311 | Cu Score | 1.5 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114312 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114313 | Cu Score | 1.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114314 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114315 | Desk Review Pre | 9.9 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114316 | Desk Review Pre | 4.5 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114317 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114318 | Desk Review Pre | 4.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114319 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114006 | Desk Review Pre | 9.9 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114320 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114007 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114321 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114322 | Desk Review Pre | 3.3 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114323 | Cu Score | 2 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114324 | Cu Score | 2.1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114325 | Cu Score | 1.9 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114326 | Cu Score | 2.1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114327 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | -$30000.00 | -8.571% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  | -8.571% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114328 | 2nd Appr | 5 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX | $XXXXXX.XX | $70000.00 | 14.000% | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | URAR Form 1004, 70, 72, 1025, 1073, 465, 2090, 1004C, and 70B (Form 1075 retired 11/1/2005) [3] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114329 | Desk Review Pre | 4.6 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114330 | Cu Score | 1.1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114008 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114331 | Desk Review Pre | 3.2 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114332 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114333 | Cu Score | 1.5 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114334 | Desk Review Pre | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114335 | 2nd Appr | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX | $XXXXXX.XX | $0.00 | 0.000% | XX/XX/XXXX | 1004 Residential Appraisal | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | URAR Form 1004, 70, 72, 1025, 1073, 465, 2090, 1004C, and 70B (Form 1075 retired 11/1/2005) [3] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114336 | Cu Score | 2.2 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114337 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114338 | Desk Review Pre | 9.9 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114339 | Desk Review Pre | 2.9 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114340 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114341 | Desk Review Pre | 3.5 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114342 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114343 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114344 | Desk Review Pre | 4.4 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114345 | Desk Review Pre | 2.5 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114346 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114347 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114348 | Desk Review Pre | 2.8 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114349 | Desk Review Pre | 39 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114350 | 2nd Appr | 1.5 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX | $XXXXXX.XX | $0.00 | 0.000% | XX/XX/XXXX | 1004 Residential Appraisal | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | URAR Form 1004, 70, 72, 1025, 1073, 465, 2090, 1004C, and 70B (Form 1075 retired 11/1/2005) [3] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114351 | AVM 10/90 Pre |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | iVN55 Appraisal with Rent Addendum | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $26000.00 | 12.381% | XXXXX | 94.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Automated Valuation Model [7] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114352 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$21000.00 | -29.167% | XXXXX | 73.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | $5069.00 | 7.040% | XXXXX | 82.300% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114353 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$59000.00 | -17.879% | XXXXX | 85.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | $291.00 | 0.088% | XXXXX | 84.500% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114354 | BPO |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$28000.00 | -16.000% | XXXXX | 94.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $4000.00 | 2.286% | BPO as-is [10] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | -$45000.00 | -25.714% | XXXXX | XX/XX/XXXX | $XXXXXX | $4000.00 | 2.286% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114355 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$55000.00 | -28.205% | XXXXX | 0.240% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$20464.00 | -10.494% | XXXXX | 84.100% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114009 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$102000.00 | -70.345% | XXXXX | 69.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$84433.00 | -58.230% | XXXXX | 88.500% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114010 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114356 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$345000.00 | -65.714% | XXXXX | 50.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114011 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$21000.00 | -20.588% | XXXXX | 62.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$10282.00 | -10.080% | XXXXX | 81.700% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114357 | AVM 10/90 Pre |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | iVN55 Appraisal with Rent Addendum | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$8000.00 | -5.517% | XXXXX | 94.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114012 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$19000.00 | -17.757% | XXXXX | 72.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$31000.00 | -28.972% | XXXXX | 74.000% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114358 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$51000.00 | -37.778% | XXXXX | 0.420% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | $25589.00 | 18.955% | XXXXX | 74.500% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114359 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$108000.00 | -28.052% | XXXXX | 57.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$42906.00 | -11.144% | XXXXX | 87.300% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114013 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$21000.00 | -15.672% | XXXXX | 0.460% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$20365.00 | -15.198% | XXXXX | 79.600% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114360 | Cu Score | 1.2 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$40000.00 | -11.940% | XXXXX | 95.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114361 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$42000.00 | -12.000% | XXXXX | 91.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | $11810.00 | 3.374% | XXXXX | 89.200% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114014 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$112000.00 | -64.000% | XXXXX | 56.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$36473.00 | -20.842% | XXXXX | 79.700% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114362 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$177000.00 | -21.852% | XXXXX | 79.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$81686.00 | -10.085% | XXXXX | 77.100% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114363 | Cu Score (AVM Confidence score less than 90) | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$101000.00 | -74.815% | XXXXX | 62.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $30272.00 | 22.424% | XXXXX | 82.400% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114364 | Cu Score | 1.2 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114365 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$20000.00 | -24.390% | XXXXX | 94.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$9826.00 | -11.983% | XXXXX | 74.300% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114366 | AVM 10/90 Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $276172.00 | 22.094% | Automated Valuation Model [7] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | $276172.00 | 22.094% | XXXXX | 94.600% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114367 | 2nd appr Post | 99 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $8000.00 | 7.619% | XXXXX | 68.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Other [98] | XXXXXX | XX/XX/XXXX | $XXXXXX | iVN55 Appraisal with Rent Addendum | XX/XX/XXXX | $0.00 | 0.000% | True Value Appraisal, Inc | True Value Appraisal, Inc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114368 | Desk Review Post | 9.9 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$35000.00 | -22.581% | XXXXX | 76.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$28655.00 | -18.487% | XXXXX | 88.200% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114369 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$130000.00 | -60.465% | XXXXX | 50.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114370 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$53000.00 | -53.000% | XXXXX | 60.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$36379.00 | -36.379% | XXXXX | 71.600% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114371 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$76000.00 | -16.889% | XXXXX | 73.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$73802.00 | -16.400% | XXXXX | 86.100% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114372 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$19000.00 | -14.615% | XXXXX | 81.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$17910.00 | -13.777% | XXXXX | 72.500% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114373 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$27000.00 | -15.429% | XXXXX | 70.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$22616.00 | -12.923% | XXXXX | 86.500% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114374 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$34000.00 | -13.600% | XXXXX | 76.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$54321.00 | -21.728% | XXXXX | 84.300% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114015 | Desk Review Post | 9.9 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$79000.00 | -41.579% | XXXXX | 75.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | $16298.00 | 8.578% | XXXXX | 79.000% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114375 | AVM 10/90 Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$123000.00 | -43.929% | XXXXX | 60.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | -$3809.00 | -1.360% | Automated Valuation Model [7] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$3809.00 | -1.360% | XXXXX | 90.600% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114376 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$20000.00 | -21.277% | XXXXX | 93.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$20821.00 | -22.150% | XXXXX | 72.800% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114377 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$85000.00 | -54.839% | XXXXX | 77.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114378 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$196000.00 | -21.538% | XXXXX | 68.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | $7631.00 | 0.839% | XXXXX | 89.100% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114379 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$64000.00 | -30.769% | XXXXX | 81.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$27489.00 | -13.216% | XXXXX | 95.500% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114380 | Desk Review Post | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $199000.00 | 31.840% | XXXXX | 50.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114381 | AVM 10/90 Post | 9.9 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$69000.00 | -32.547% | XXXXX | 68.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $18729.00 | 8.834% | Automated Valuation Model [7] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | $18729.00 | 8.834% | XXXXX | 91.700% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114382 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$105000.00 | -31.818% | XXXXX | 80.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | -$20000.00 | -6.061% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$70278.00 | -21.296% | XXXXX | 87.300% | XX/XX/XXXX | $XXXXXXX | -$20000.00 | -6.061% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114383 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$396000.00 | -52.105% | XXXXX | 81.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$263168.00 | -34.627% | XXXXX | 87.200% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114384 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$36000.00 | -32.143% | XXXXX | 74.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$9210.00 | -8.223% | XXXXX | 81.600% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114385 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $2000.00 | 3.448% | XXXXX | 72.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114386 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$35000.00 | -12.963% | XXXXX | 66.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | $68682.00 | 25.438% | XXXXX | 76.800% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114387 | Desk Review Post | 9.9 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$67000.00 | -24.815% | XXXXX | 69.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$61551.00 | -22.797% | XXXXX | 93.300% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114388 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$89000.00 | -40.455% | XXXXX | 81.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$82987.00 | -37.721% | XXXXX | 79.400% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114389 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$79000.00 | -37.981% | XXXXX | 90.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$26967.00 | -12.965% | XXXXX | 90.000% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114390 | Desk Review Post | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$15000.00 | -8.242% | XXXXX | 87.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114391 | Desk Review Post | 9.9 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$95000.00 | -45.238% | XXXXX | 87.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$103842.00 | -49.449% | XXXXX | 77.300% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114392 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$53000.00 | -45.690% | XXXXX | 83.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$33877.00 | -29.204% | XXXXX | 77.000% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114016 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$25000.00 | -20.000% | XXXXX | 58.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$40632.00 | -32.506% | XXXXX | 65.000% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114017 | AVM 10/90 Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$85000.00 | -14.050% | XXXXX | 66.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | -$29092.00 | -4.809% | Automated Valuation Model [7] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$29092.00 | -4.809% | XXXXX | 90.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114393 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$146000.00 | -31.739% | XXXXX | 73.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$79197.00 | -17.217% | XXXXX | 79.100% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114394 | Desk Review Post | 99 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$41000.00 | -46.591% | XXXXX | 0.300% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$9458.00 | -10.748% | XXXXX | 80.600% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114395 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$131000.00 | -37.971% | XXXXX | 71.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$17621.00 | -5.108% | XXXXX | 84.700% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114396 | AVM 10/90 Pre |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $2000.00 | 1.639% | XXXXX | 91.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $2000.00 | 1.639% | Automated Valuation Model [7] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114028 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $12000.00 | 12.000% | XXXXX | 63.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114397 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$50000.00 | -21.739% | XXXXX | 50.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | $16381.00 | 7.122% | XXXXX | 80.700% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114398 | AVM 10/90 Pre |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $39000.00 | 4.643% | XXXXX | 90.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Automated Valuation Model [7] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114399 | Desk Review Post | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $103000.00 | 45.778% | XXXXX | 50.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114400 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$22500.00 | -14.950% | XXXXX | 73.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | $58359.00 | 38.777% | XXXXX | 87.100% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114401 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $33000.00 | 16.500% | XXXXX | 74.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114402 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$138000.00 | -74.595% | XXXXX | 61.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$140000.00 | -75.676% | XXXXX | 63.000% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114403 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$21000.00 | -16.935% | XXXXX | 77.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114404 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$24000.00 | -24.490% | XXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$8568.00 | -8.743% | XXXXX | 76.900% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114018 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$1000.00 | -0.901% | XXXXX | 69.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114019 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$31000.00 | -20.667% | XXXXX | 50.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $5000.00 | 3.333% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | $5279.00 | 3.519% | XXXXX | 80.400% | XX/XX/XXXX | $XXXXXXX | $5000.00 | 3.333% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114405 | Desk Review Post | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$42000.00 | -12.174% | XXXXX | 84.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114406 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$8000.00 | -7.018% | XXXXX | 83.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114407 | AVM 10/90 Pre |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $5000.00 | 5.435% | XXXXX | 96.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Automated Valuation Model [7] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114408 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $7000.00 | 8.750% | XXXXX | 78.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114409 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $2000.00 | 1.786% | XXXXX | 76.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114410 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$32000.00 | -17.297% | XXXXX | 92.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114411 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$304000.00 | -80.000% | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114412 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$163000.00 | -40.750% | XXXXX | 88.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114413 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$399000.00 | -61.860% | XXXXX | 69.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$235425.00 | -36.500% | XXXXX | 72.100% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114414 | AVM 10/90 Pre |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$11000.00 | -6.667% | XXXXX | 94.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | -$11000.00 | -6.667% | Automated Valuation Model [7] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114415 | Desk Review Post | 9.9 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | 86.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114020 | AVM 10/90 Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$89000.00 | -30.169% | XXXXX | 87.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $42718.00 | 14.481% | Automated Valuation Model [7] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | $42718.00 | 14.481% | XXXXX | 90.800% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114026 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$215000.00 | -36.134% | XXXXX | 81.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$98416.00 | -16.541% | XXXXX |  | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114416 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$33000.00 | -42.857% | XXXXX | 68.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | $45524.00 | 59.122% | XXXXX | 81.700% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114417 | Desk Review Post | 9.9 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $16000.00 | 12.308% | XXXXX | 81.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114418 | Desk Review Post | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$41000.00 | -23.563% | XXXXX | 71.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114419 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$76000.00 | -46.061% | XXXXX | 78.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | $4395.00 | 2.664% | XXXXX | 79.700% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114420 | Desk Review Post | 9.9 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$55000.00 | -27.500% | XXXXX | 73.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | $30008.00 | 15.004% | XXXXX | 75.900% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114421 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$14000.00 | -5.490% | XXXXX | 83.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114422 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$36000.00 | -18.462% | XXXXX | 85.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114027 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$130000.00 | -27.660% | XXXXX | 77.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$19384.00 | -4.124% | XXXXX | 88.600% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114423 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $65000.00 | 38.012% | XXXXX | 77.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114424 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$71000.00 | -19.452% | XXXXX | 76.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$10157.00 | -2.783% | XXXXX | 82.700% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114425 | AVM 10/90 Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$57000.00 | -14.691% | XXXXX | 85.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | -$13439.00 | -3.464% | Automated Valuation Model [7] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$13439.00 | -3.464% | XXXXX | 94.900% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114426 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$19000.00 | -20.430% | XXXXX | 51.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | $64574.00 | 69.434% | XXXXX | 88.300% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114427 | AVM 10/90 Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $20000.00 | 10.000% | XXXXX | 90.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114428 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$1000.00 | -0.556% | XXXXX | 84.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114429 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$47000.00 | -16.968% | XXXXX | 91.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$13858.00 | -5.003% | XXXXX | 89.900% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114430 | Desk Review Post | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$118000.00 | -30.649% | XXXXX | 88.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114431 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114432 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$112000.00 | -35.000% | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114021 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $90000.00 | 28.571% | XXXXX | 81.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114433 | Desk Review Post | 3.4 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$63000.00 | -33.511% | XXXXX | 78.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$83019.00 | -44.159% | XXXXX | 84.900% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114434 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$106000.00 | -14.324% | XXXXX | 91.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $70000.00 | 9.459% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114022 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$11500.00 | -5.361% | XXXXX | 77.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114435 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $1000.00 | 0.339% | XXXXX | 68.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114436 | AVM 10/90 Pre | 99 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$29000.00 | -7.733% | XXXXX | 95.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Automated Valuation Model [7] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114437 | AVM 10/90 Pre | 99 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$40000.00 | -7.547% | XXXXX | 92.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Automated Valuation Model [7] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114438 | Desk Review Post | 9.9 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$28000.00 | -20.000% | XXXXX | 87.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  | $XXXXXX | -$61614.00 | -44.010% | XXXXX | 88.000% | XX/XX/XXXX | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114439 | Desk Review Post | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$12000.00 | -8.276% | XXXXX | 50.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114440 | AVM 10/90 Pre | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $11000.00 | 4.527% | XXXXX | 96.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $11000.00 | 4.527% | Automated Valuation Model [7] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114441 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $60000.00 | 26.667% | XXXXX | 84.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114442 | AVM 10/90 Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$22000.00 | -8.118% | XXXXX | 91.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114443 | AVM 10/90 Pre |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $2000.00 | 0.299% | XXXXX | 97.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Automated Valuation Model [7] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114444 | Desk Review Post | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$89000.00 | -29.667% | XXXXX | 78.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114023 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$39000.00 | -31.200% | XXXXX | 66.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114445 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$4500.00 | -3.502% | XXXXX | 78.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114446 | AVM 10/90 Pre |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$1000.00 | -0.725% | XXXXX | 90.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114447 | Desk Review Post | 99 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$26000.00 | -16.250% | XXXXX | 84.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114448 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$22000.00 | -17.600% | XXXXX | 79.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114024 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$44000.00 | -55.000% | XXXXX | 0.280% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114449 | AVM 10/90 Pre | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | $31000.00 | 17.222% | XXXXX | 94.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Automated Valuation Model [7] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114450 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114451 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$137000.00 | -48.070% | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114452 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$43000.00 | -10.118% | XXXXX | 91.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114453 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$98000.00 | -27.762% | XXXXX | 85.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114454 | Desk Review Post |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$100000.00 | -68.966% | XXXXX | 50.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114455 | AVM 10/90 Pre | 99 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$18000.00 | -2.941% | XXXXX | 96.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Automated Valuation Model [7] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114025 | AVM 10/90 Pre |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | Non-FNMA/FHLMC Standard; Acceptable | XX/XX/XXXX |  |  |  |  |  | $XXXXXXX | -$2000.00 | -1.250% | XXXXX | 90.000% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114456 | Desk Review Pre | 3.3 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | 0 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114457 | Desk Review Pre | 5 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114458 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114459 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114460 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114461 | Desk Review Pre | 1.5 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114462 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114463 | Desk Review Pre | 3.6 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114464 | Desk Review Pre | 4.1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $500.00 | 0.177% | XXXXX XXXXXXX | 0 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114465 | Desk Review Pre | 2.9 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114466 | Cu Score | 1.7 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114467 | Desk Review Pre | 4.4 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114468 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114469 | Cu Score | 2.2 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114470 | Desk Review Pre | 3.4 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114471 | Desk Review Pre | 3.8 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114472 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114473 | Cu Score | 1.2 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114474 | Cu Score | 1.8 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114475 | Desk Review Pre | 3 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114476 | Cu Score | 1.2 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114477 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114478 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114479 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114480 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114481 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | 0 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114482 | Desk Review Pre | 2.7 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114483 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114484 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114485 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114486 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114487 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114488 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114489 | Desk Review Pre | 2.7 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114490 | Cu Score | 1.2 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114491 | Cu Score | 1.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114492 | Cu Score | 2 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114493 | Cu Score | 2.5 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114494 | Cu Score | 1.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114495 | Cu Score | 2.1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114496 | Cu Score | 1.7 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114497 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114498 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114499 | Cu Score | 1.3 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114500 | Desk Review Pre | 2.8 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114501 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114502 | Cu Score | 2.1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114503 | Cu Score | 1.8 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114504 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114505 | Cu Score | 1.7 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114506 | Desk Review Pre | 2.8 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114507 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114508 | Cu Score | 1.3 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114509 | Cu Score | 2.1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114510 | Desk Review Pre | 9.9 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114511 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114512 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114513 | Desk Review Post | 2.6 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $0.00 | 0.000% | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114514 | Cu Score | 1.2 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114515 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114516 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114517 | Desk Review Pre | 9.9 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114518 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114519 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114520 | Desk Review Pre | 2.3 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114521 | Desk Review Pre | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114522 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114523 | Cu Score | 1.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114524 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114525 | Desk Review Pre | 4.8 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114526 | Desk Review Pre | 4.9 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114527 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114528 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114529 | Desk Review Pre | 3.2 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114530 | Desk Review Pre | 99.9 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | moderate risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114531 | Desk Review Pre | 4.6 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114532 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114533 | Cu Score | 2.3 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114534 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114535 | Cu Score | 1.4 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114536 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114537 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114538 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114539 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114540 | Desk Review |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114541 | Cu Score | 2.1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114542 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114543 | 2nd Appr |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX | $XXXXXX.XX | $100000.00 | 3.333% | XX/XX/XXXX | 1004 Residential Appraisal | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $100000.00 | 3.333% | URAR Form 1004, 70, 72, 1025, 1073, 465, 2090, 1004C, and 70B (Form 1075 retired 11/1/2005) [3] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114544 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114545 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114546 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114547 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114548 | Cu Score | 1.5 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114550 | Desk Review Pre | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114551 | Desk Review Pre | 3.3 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114552 | Desk Review Pre | 2 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114553 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114554 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114555 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114556 | Cu Score | 1.2 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114557 | Desk Review Pre | 1.2 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114558 | Cu Score | 2.4 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114559 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114560 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | 0 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114549 | Cu Score | 2.4 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114561 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114562 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114563 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114564 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114565 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114566 | Desk Review Pre | 2.7 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114567 | Desk Review Pre | 99.9 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114568 | Cu Score | 1.3 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114569 | Cu Score | 1.2 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114570 | Desk Review Pre | 1.1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114571 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114572 | Desk Review Pre | 3.6 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114573 | 2nd Appr | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX | $XXXXXX.XX | $0.00 | 0.000% | XX/XX/XXXX | 1004 Residential Appraisal | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114574 | Cu Score | 2 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114575 | Cu Score | 1.6 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114576 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | 0 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114577 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114578 | 2nd Appr | 4 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | 12.681% | XX/XX/XXXX | 1004 Residential Appraisal | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | URAR Form 1004, 70, 72, 1025, 1073, 465, 2090, 1004C, and 70B (Form 1075 retired 11/1/2005) [3] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114579 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114580 | Cu Score | 1.5 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114581 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114582 | Desk Review Pre | 99 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1025 2-4 Family Property | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderare | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114583 | Cu Score | 1.1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114584 | Desk Review Pre | 3.1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114585 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114586 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114587 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114588 | 2nd Appr | 1.2 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX | $XXXXXX.XX | $0.00 | 0.000% | XX/XX/XXXX | 1004 Residential Appraisal | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114589 | Cu Score | 1.2 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114590 | 2nd Appr | 3.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | 1.569% | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | URAR Form 1004, 70, 72, 1025, 1073, 465, 2090, 1004C, and 70B (Form 1075 retired 11/1/2005) [3] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114591 | Desk Review Pre | 3.5 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114592 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114593 | Desk Review Pre | 2.7 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114594 | Desk Review Pre | 4.3 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114595 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114596 | Desk Review | 4.6 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX | $XXXXXX.XX | $0.00 | 0.000% | XX/XX/XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114597 | Desk Review Pre | 3.2 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114598 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114599 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114600 | Cu Score | 1.3 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114601 | Cu Score | 1.2 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114602 | Cu Score | 1.7 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114603 | Desk Review Pre |  | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114604 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1073 Condominiums | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114605 | Desk Review Pre | 2.6 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX |  |  | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114606 | Cu Score | 1.7 | XX/XX/XXXX | $XXXXXX.XX |  | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114607 | Cu Score | 1 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | XXXXXX | 54920251114608 | Desk Review Pre | 2.5 | XX/XX/XXXX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | $XXXXXX.XX | 1004 Residential Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | XXXXX XXXXXXX | Moderrate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $0.00 | 0.000% | Desk Review [9] | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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